Citibank 2011 Annual Report Download - page 107
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85
Consumer Loan Net Credit Losses and Ratios
In millions of dollars, except average loan amounts in billions
Average
loans
2011
(1) Net credit losses (2)
2011
Citicorp
4OTAL $236.5 $ 7,688
!DDæIMPACTæOFæCREDITæCARDæSECURITIZATIONSæ —
-ANAGEDæ.#, 7,688
2ATIO 3.25%
Retail banking
4OTAL $126.3 $ 1,174
2ATIO 0.93%
North America 34.5 300
2ATIO 0.87%
EMEA 4.4 87
2ATIO 1.99%
Latin America 22.6 475
2ATIO 2.10%
Asia 64.8 312
2ATIO 0.48%
Citi-branded cards
4OTAL $110.2 $ 6,514
!DDæIMPACTæOFæCREDITæCARDæSECURITIZATIONSæ —
-ANAGEDæ.#, 6,514
2ATIO 5.92%
North America 73.1 4,649
!DDæIMPACTæOFæCREDITæCARDæSECURITIZATIONSæ —
-ANAGEDæ.#, 4,649
2ATIO 6.36%
EMEA 2.9 85
2ATIO 2.98%
Latin America 13.7 1,209
2ATIO 8.82%
Asia 20.5 571
2ATIO 2.78%
Citi Holdings—Local Consumer Lending
4OTAL $199.7 $10,659
!DDæIMPACTæOFæCREDITæCARDæSECURITIZATIONSæ —
-ANAGEDæ.#, 10,659
2ATIO 5.34%
)NTERNATIONAL 16.8 1,057
2ATIO 6.30%
North America retail PARTNERæCARDS 42.1 3,609
!DDæIMPACTæOFæCREDITæCARDæSECURITIZATIONSæ —
-ANAGEDæ.#, 3,609
2ATIO 8.58%
North America EXCLUDINGæCARDS 140.8 5,993
2ATIO 4.25%
Total Citigroup (excluding Special Asset Pool) $436.2 $18,347
!DDæIMPACTæOFæCREDITæCARDæSECURITIZATIONSæ —
-ANAGEDæ.#, 18,347
2ATIO 4.21%
æ !VERAGEæLOANSæINCLUDEæINTERESTæANDæFEESæONæCREDITæCARDS
æ 4HEæRATIOSæOFæNETæCREDITæLOSSESæAREæCALCULATEDæBASEDæONæAVERAGEæLOANSæNETæOFæUNEARNEDæINCOME
æ 3EEæ.OTEææTOæTHEæ#ONSOLIDATEDæ&INANCIALæ3TATEMENTSæFORæAæDISCUSSIONæOFæTHEæIMPACTæOFæ3&!3æ