CITIGROUPS 2007 ANNUAL REPORT ON FORM 10-K for Citigroup (C)

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C » Topics » CITIGROUPS 2007 ANNUAL REPORT ON FORM 10-K

This excerpt taken from the C 10-K filed Feb 22, 2008.

CITIGROUP’S 2007 ANNUAL REPORT ON FORM 10-K


THE COMPANY		2
Citigroup Segments and Products		2
Citigroup Regions		2
CITIGROUP INC. AND SUBSIDIARIES FIVE-YEAR SUMMARY OF SELECTED FINANCIAL DATA		3
MANAGEMENT’S DISCUSSION AND ANALYSIS		4
2007 in Summary		4
Outlook for 2008		5
Events in 2007		7
Events in 2006		12
Events in 2005		14
SIGNIFICANT ACCOUNTING POLICIES AND SIGNIFICANT ESTIMATES		16
SEGMENT, PRODUCT AND REGIONAL— NET INCOME AND REVENUE		19
Citigroup Net Income—Segment and Product View		19
Citigroup Net Income—Regional View		20
Citigroup Revenues—Segment and Product View		21
Citigroup Revenues—Regional View		22
GLOBAL CONSUMER		23
U.S. Consumer		24
U.S. Consumer Outlook		25
International Consumer		26
International Consumer Outlook		28
MARKETS & BANKING		29
Markets & Banking Outlook		31
GLOBAL WEALTH MANAGEMENT		32
Global Wealth Management Outlook		33
ALTERNATIVE INVESTMENTS		34
CORPORATE/OTHER		37
RISK FACTORS		38
MANAGING GLOBAL RISK		39
Risk Aggregation and Risk Convergence		39
Risk Capital		39
Credit Risk Management Process		40
Loans Outstanding		41
Other Real Estate Owned and Other Repossessed Assets		41
Details of Credit Loss Experience		42
Cash-Basis, Renegotiated, and Past Due Loans		43
Foregone Interest Revenue on Loans		43
Consumer Credit Risk		44
Consumer Portfolio Review		44
Exposure to Real Estate		48
Corporate Credit Risk		54
Citigroup Derivatives		57
Global Corporate Portfolio Review		60
Loan Maturities and Fixed/Variable Pricing		60
Market Risk Management Process		61
Operational Risk Management Process		64
Country and Cross-Border Risk Management Process		65
BALANCE SHEET REVIEW		66
Segment Balance Sheet at December 31, 2007		69
Average Balances and Interest Rates—Assets		71
Average Balances and Interest Rates—Liabilities and Equity, and Net Interest Revenue		72
Analysis of Changes in Interest Revenue		73


Analysis of Changes in Interest Expense and Net Interest Revenue		74
CAPITAL RESOURCES AND LIQUIDITY		75
Capital Resources		75
Funding		80
Liquidity		82
Off-Balance-Sheet Arrangements		85
Pension and Postretirement Plans		97
CORPORATE GOVERNANCE AND CONTROLS AND PROCEDURES		98
FORWARD-LOOKING STATEMENTS		98
GLOSSARY OF TERMS		99
MANAGEMENT’S REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING		101
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM—INTERNAL CONTROL OVER FINANCIAL REPORTING		102
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM— CONSOLIDATED FINANCIAL STATEMENTS		103
FINANCIAL STATEMENTS AND NOTES TABLE OF CONTENTS		104
CONSOLIDATED FINANCIAL STATEMENTS		105
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS		111
FINANCIAL DATA SUPPLEMENT (Unaudited)		192
Ratios		192
Average Deposit Liabilities in Offices Outside the U.S.		192
Maturity Profile of Time Deposits ($100,000 or more) in U.S. Offices		192
Short-Term and Other Borrowings		192
LEGAL AND REGULATORY REQUIREMENTS		193
Securities Regulation		194
Capital Requirements		194
General Business Factors		195
Properties		195
Legal Proceedings		195
Unregistered Sales of Equity Securities and Use of Proceeds		199
Equity Compensation Plan Information		200
10-K CROSS-REFERENCE INDEX		202
CORPORATE INFORMATION		203
Exhibits and Financial Statement Schedules		203
CITIGROUP BOARD OF DIRECTORS		205

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C » Topics » CITIGROUPS 2007 ANNUAL REPORT ON FORM 10-K

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