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Tj ET Q q 0 0 0 rg BT 422.29 167.10 Td (Y) Tj ET Q q 0 0 0 rg BT 427.18 167.10 Td (es) Tj ET Q /GS0 gs q 7.13 0 0 8.14 435.84 165.37 cm /I17 Do Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 442.97 167.10 Td (No) Tj ET Q /GS0 gs q 8.48 0 0 8.14 462.75 165.37 cm /I18 Do Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 36.00 149.50 Td (The aggr) Tj ET Q q 0 0 0 rg BT 66.74 149.50 Td (egate market value of Citigr) Tj ET Q q 0 0 0 rg BT 162.57 149.50 Td (oup Inc. common stock held by non-affiliates of Citigr) Tj ET Q q 0 0 0 rg BT 346.65 149.50 Td (oup Inc. on June 30, ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 417.56 149.50 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.56 149.50 Td ( was appr) Tj ET Q q 0 0 0 rg BT 466.75 149.50 Td (oximately $168.1 billion.) 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711.90 Td (Bank of New ) Tj ET Q q 0 0 0 rg BT 91.45 711.90 Td (Y) Tj ET Q q 0 0 0 rg BT 97.67 711.90 Td (ork in 1812.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 699.90 Td (Citigroup is a global diversified financial services holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 687.90 Td (company whose businesses provide consumers, corporations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 675.90 Td (governments and institutions with a broad, yet focused, range ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 663.90 Td (of financial products and services, including consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 651.90 Td (banking and credit, corporate and investment banking, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 639.90 Td (securities brokerage, trade and securities services and wealth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 627.90 Td (management. Citi has approximately 200 million customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 615.90 Td (accounts and does business in more than 160 countries and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 603.90 Td (jurisdictions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 591.90 Td (At December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.08 591.90 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.08 591.90 Td (, Citi had approximately 204,000 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 579.90 Td (full-time employees, compared to approximately 209,000 full-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 567.90 Td (time employees at December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.84 567.90 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.84 567.90 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 555.90 Td (Citigroup currently operates, for management reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 543.90 Td (purposes, via two primary business segments: ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 221.81 543.90 Td (Global ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 531.90 Td (Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.94 531.90 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 132.38 531.90 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 225.35 531.90 Td (oup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.35 531.90 Td (, with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 519.90 Td (remaining operations in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 133.48 519.90 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.25 519.90 Td (. For a further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 507.90 Td (description of the business segments and the products and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 495.90 Td (services they provide, see Citigroup Segments below) Tj ET Q q 0 0 0 rg BT 256.13 495.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 483.90 Td (Management) Tj ET Q q 0 0 0 rg BT 95.42 483.90 Td (s Discussion and ) Tj ET Q q 0 0 0 rg BT 164.59 483.90 Td (Analysis of Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 471.90 Td (Condition and Results of Operations and Note 3 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.90 Td (Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 447.90 Td (Throughout this report, Citigroup, Citi and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 435.90 Td (Company refer to Citigroup Inc. and its consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 423.90 Td (subsidiaries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 411.90 Td (Additional information about Citigroup is available on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 399.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 399.90 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 398.5669921875 m 182.2744140625 398.5669921875 l s q 0 0 0 rg BT 102.94 399.90 Td (www) Tj ET Q q 0 0 0 rg BT 123.95 399.90 Td (.citigroup.com) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.27 399.90 Td (. Citigroup) Tj ET Q q 0 0 0 rg BT 228.39 399.90 Td (s recent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.90 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 36.00 375.90 Td (and 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 36.00 363.90 Td (Securities and Exchange Commission \(SEC\), are available ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 351.90 Td (free of char) Tj ET Q q 0 0 0 rg BT 81.89 351.90 Td (ge through Citi) Tj ET Q q 0 0 0 rg BT 145.22 351.90 Td (s website by clicking on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 339.90 Td (Investors page and selecting All SEC Filings. ) Tj ET Q q 0 0 0 rg BT 238.00 339.90 Td (The SEC) Tj ET Q q 0 0 0 rg BT 277.16 339.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 327.90 Td (website also contains current reports on Form 8-K and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 315.90 Td (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 153.7490234375 314.5669921875 m 207.20849609375 314.5669921875 l s q 0 0 0 rg BT 153.75 315.90 Td (www) Tj ET Q q 0 0 0 rg BT 174.76 315.90 Td (.sec.gov) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.88 315.90 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 303.90 Td (Certain reclassifications, including a realignment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 291.90 Td (certain businesses, have been made to the prior periods) Tj ET Q q 0 0 0 rg BT 258.79 291.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 279.90 Td (financial statements to conform to the current period) Tj ET Q q 0 0 0 rg BT 248.98 279.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 267.90 Td (presentation. For information on certain recent such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 255.90 Td (reclassifications, see Note 3 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 243.90 Td (Statements.) 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Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 1 J 1 j 3 M 36 173.89999999999998 m 288 173.89999999999998 l s BT /F1 10.00 Tf ET endstream endobj 11 0 obj <> endobj 12 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 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (As described above, Citigr) Tj ET Q q 0 0 0 rg BT 148.59 749.25 Td (oup is managed pursuant to two business segments: ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 370.85 749.25 Td (Global Consumer Banking) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.99 749.25 Td ( and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 503.11 749.25 Td (Institutional ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Clients Group) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 94.07 737.25 Td (, with the r) Tj ET Q q 0 0 0 rg BT 140.55 737.25 Td (emaining operations in ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 240.84 737.25 Td (Corporate/Other) Tj ET Q q 0 0 0 rg BT 308.63 737.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 90.75 370.25 Td ( ) Tj ET Q /GS0 gs q 428.00 0 0 354.00 93.25 370.25 cm /I19 Do Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 350.25 Td (The following ar) Tj ET Q q 0 0 0 rg BT 106.38 350.25 Td (e the four) Tj ET Q q 0 0 0 rg BT 147.29 350.25 Td ( r) Tj ET Q q 0 0 0 rg BT 154.05 350.25 Td (egions in which Citigr) Tj ET Q q 0 0 0 rg BT 247.49 350.25 Td (oup operates. ) Tj ET Q q 0 0 0 rg BT 307.03 350.25 Td (The r) Tj ET Q q 0 0 0 rg BT 330.46 350.25 Td (egional r) Tj ET Q q 0 0 0 rg BT 367.77 350.25 Td (esults ar) Tj ET Q q 0 0 0 rg BT 403.42 350.25 Td (e fully r) Tj ET Q q 0 0 0 rg BT 436.57 350.25 Td (eflected in the segment r) Tj ET Q q 0 0 0 rg BT 540.24 350.25 Td (esults ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 338.25 Td (above.) Tj ET Q /GS0 gs q 452.00 0 0 129.00 80.00 204.25 cm /I20 Do Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 185.05 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 185.05 Td (Latin ) Tj ET Q q 0 0 0 rg BT 72.75 185.05 Td (America GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.85 185.05 Td ( consists of Citi) Tj ET Q q 0 0 0 rg BT 170.08 185.05 Td (s consumer banking business) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 263.18 185.05 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.18 185.05 Td (in Mexico.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 175.45 Td (\(2\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 175.45 Td (Asia GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 86.22 175.45 Td ( includes the results of operations of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 204.20 175.45 Td (GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.20 175.45 Td ( activities in certain ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 285.06 175.45 Td (EMEA) Tj ET Q q 0 0 0 rg BT 306.24 175.45 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.24 175.45 Td (countries for all periods presented.) 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During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 637.50 Td (2018, Citi reported 3% underlying revenue growth in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 251.23 637.50 Td (Global ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 625.50 Td (Consumer Banking \(GCB\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.10 625.50 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 161.54 625.50 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 254.51 625.50 Td (oup ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 613.50 Td (\(ICG\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.88 613.50 Td (, excluding the impact of gains on sale in 2018 and 2017 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 601.50 Td (\(see Citigroup below\). Citi had solid revenue growth across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 589.50 Td (treasury and trade solutions, private bank, securities services, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 577.50 Td (equity markets and corporate lending in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 197.62 577.50 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.84 577.50 Td (, partially of) Tj ET Q q 0 0 0 rg BT 263.81 577.50 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 565.50 Td (by weakness in fixed income as well as softness in equity and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 553.50 Td (debt underwriting. Citi reported revenue growth in all regions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 541.50 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 46.28 541.50 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.28 541.50 Td (, reflecting continued loan and overall deposit growth, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 529.50 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 529.50 Td (fset by the near) Tj ET Q q 0 0 0 rg BT 141.13 529.50 Td (-term impact of weak market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 517.50 Td (sentiment on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 89.88 517.50 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.66 517.50 Td ( wealth management revenues, as well as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 505.50 Td (impact from partnership renewal terms that went into ef) Tj ET Q q 0 0 0 rg BT 259.08 505.50 Td (fect in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 493.50 Td (2018 in Citi-branded cards in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 155.70 493.50 Td (North ) Tj ET Q q 0 0 0 rg BT 181.36 493.50 Td (America GCB. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 481.50 Td (Citi demonstrated strong expense discipline, resulting in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 469.50 Td (1% decrease in expenses, as well as positive operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 457.50 Td (leverage, even as Citi continued to make ongoing investments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 445.50 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 445.50 Td (s positive operating leverage, combined with continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 433.50 Td (credit discipline, resulted in an improvement in pretax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 421.50 Td (earnings. Citi also generated continued loan and deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 409.50 Td (growth during the year) Tj ET Q q 0 0 0 rg BT 126.81 409.50 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 397.50 Td (Moreover) Tj ET Q q 0 0 0 rg BT 93.03 397.50 Td (, Citi continued to return capital to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 385.50 Td (shareholders. In 2018, Citi returned $18.4 billion in the form ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 373.50 Td (of common stock repurchases and dividends. Citi repurchased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 361.50 Td (over 200 million shares during the last year) Tj ET Q q 0 0 0 rg BT 209.17 361.50 Td (, resulting in an 8% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 349.50 Td (reduction in outstanding common shares. ) Tj ET Q q 0 0 0 rg BT 203.01 349.50 Td (While Citi made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 337.50 Td (continued progress in returning capital to shareholders, each of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 325.50 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 325.50 Td (s key regulatory capital metrics remained strong \(see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 313.50 Td (Capital below\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 301.50 Td (Going into 2019, while global economic growth has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 289.50 Td (continued and the underlying macroeconomic environment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 277.50 Td (remains lar) Tj ET Q q 0 0 0 rg BT 80.52 277.50 Td (gely positive, there continue to be various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 265.50 Td (economic, political and other risks and uncertainties that could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 253.50 Td (create a more volatile operating environment and impact Citi) Tj ET Q q 0 0 0 rg BT 282.58 253.50 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 241.50 Td (businesses and future results. For a more detailed discussion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 229.50 Td (of the risks and uncertainties that could impact Citi) Tj ET Q q 0 0 0 rg BT 243.17 229.50 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 217.50 Td (businesses, results of operations and financial condition during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 205.50 Td (2019, see each respective business) Tj ET Q q 0 0 0 rg BT 176.79 205.50 Td (s results of operations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 193.50 Td (Risk Factors and Managing Global Risk below) Tj ET Q q 0 0 0 rg BT 240.86 193.50 Td (. Despite ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 181.50 Td (these risks and uncertainties, Citi intends to continue to build ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 169.50 Td (on the progress made during 2018 with a focus on further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 157.50 Td (optimizing its performance to benefit shareholders, while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 145.50 Td (remaining flexible and adapting to market and economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 133.50 Td (conditions as they develop. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 109.50 Td (2018 Summary Results) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 85.50 Td (Citigroup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 73.50 Td (Citigroup reported net income of $18.0 billion, or $6.68 per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 61.50 Td (share, compared to a net loss of $6.8 billion, or $2.98 per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 49.50 Td (share, in the prior year) Tj ET Q q 0 0 0 rg BT 125.69 49.50 Td (. Results in 2017 included a one-time, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 709.50 Td (non-cash char) Tj ET Q q 0 0 0 rg BT 379.63 709.50 Td (ge of $22.6 billion, related to the enactment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 697.50 Td (the ) Tj ET Q q 0 0 0 rg BT 338.54 697.50 Td (T) Tj ET Q q 0 0 0 rg BT 343.95 697.50 Td (ax Cuts and Jobs ) Tj ET Q q 0 0 0 rg BT 413.39 697.50 Td (Act \(T) Tj ET Q q 0 0 0 rg BT 439.07 697.50 Td (ax Reform\), which impacted the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 685.50 Td (tax line within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 384.27 685.50 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.05 685.50 Td (, as well as the tax lines in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 673.50 Td (North ) Tj ET Q q 0 0 0 rg BT 349.66 673.50 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.04 673.50 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 425.47 673.50 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.70 673.50 Td (. Results in 2018 included a one-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 661.50 Td (time benefit of $94 million, due to the finalization of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 649.50 Td (provisional component of the impact based on Citi) Tj ET Q q 0 0 0 rg BT 529.24 649.50 Td (s analysis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 637.50 Td (as well as additional guidance received from the U.S. ) Tj ET Q q 0 0 0 rg BT 539.58 637.50 Td (T) Tj ET Q q 0 0 0 rg BT 545.34 637.50 Td (reasury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 625.50 Td (Department related to ) Tj ET Q q 0 0 0 rg BT 413.50 625.50 Td (T) Tj ET Q q 0 0 0 rg BT 418.91 625.50 Td (ax Reform, which impacted the tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 613.50 Td (line within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 369.55 613.50 Td (Corporate/Other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.83 613.50 Td (\(for additional information, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 601.50 Td (Significant ) Tj ET Q q 0 0 0 rg BT 374.27 601.50 Td (Accounting Policies and EstimatesIncome ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 589.50 Td (T) Tj ET Q q 0 0 0 rg BT 329.41 589.50 Td (axes below\)) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 381.89 589.50 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 577.50 Td (Excluding the one-time impact of ) Tj ET Q q 0 0 0 rg BT 478.72 577.50 Td (T) Tj ET Q q 0 0 0 rg BT 484.13 577.50 Td (ax Reform in both the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 565.50 Td (current and prior year) Tj ET Q q 0 0 0 rg BT 410.50 565.50 Td (, Citigroup net income of $18.0 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 553.50 Td (increased 14% compared to the prior year) Tj ET Q q 0 0 0 rg BT 490.75 553.50 Td (, reflecting a lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 541.50 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 541.50 Td (fective tax rate, higher revenues and lower expenses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 529.50 Td (partially of) Tj ET Q q 0 0 0 rg BT 367.97 529.50 Td (fset by higher cost of credit. On this basis, earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 517.50 Td (per share increased 25%, due to growth in net income and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 505.50 Td (8% reduction in average shares outstanding, driven by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 493.50 Td (common stock repurchases. \(Citi) Tj ET Q q 0 0 0 rg BT 458.41 493.50 Td (s results of operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 481.50 Td (excluding the impact of ) Tj ET Q q 0 0 0 rg BT 421.01 481.50 Td (T) Tj ET Q q 0 0 0 rg BT 426.42 481.50 Td (ax Reform are non-GAAP) Tj ET Q q 0 0 0 rg BT 531.30 481.50 Td ( financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 469.50 Td (measures. Citi believes the presentation of its results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 457.50 Td (operations excluding the one-time impact of ) Tj ET Q q 0 0 0 rg BT 503.21 457.50 Td (T) Tj ET Q q 0 0 0 rg BT 508.62 457.50 Td (ax Reform in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 445.50 Td (both the current and prior year provides a meaningful ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 433.50 Td (depiction for investors of the underlying fundamentals of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 421.50 Td (businesses.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 409.50 Td (Citigroup revenues of $72.9 billion in 2018 increased 1%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 397.50 Td (as 3% growth in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 391.77 397.50 Td (GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.27 397.50 Td (and 1% growth in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 488.15 397.50 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.37 397.50 Td ( were lar) Tj ET Q q 0 0 0 rg BT 540.16 397.50 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 385.50 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 385.50 Td (fset by a 33% decrease in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 436.55 385.50 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.33 385.50 Td (, primarily due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 373.50 Td (the continued wind-down of legacy assets. Results in 2017 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 361.50 Td (included a one-time gain \(approximately $580 million\) on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 349.50 Td (sale of a fixed income analytics business in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 499.51 349.50 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.73 349.50 Td (,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 519.23 349.50 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.73 349.50 Td (and results in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 337.50 Td (2018 included a one-time gain \(approximately $250 million\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 325.50 Td (on the sale of an asset management business in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 514.23 325.50 Td (Latin ) Tj ET Q q 0 0 0 rg BT 537.67 325.50 Td (America ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 313.50 Td (GCB. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 313.50 Td (Excluding the gains on sale in both periods, aggregate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 301.50 Td (revenues in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 372.32 301.50 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.54 301.50 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 408.98 301.50 Td (GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.48 301.50 Td (grew 3% from the prior year) Tj ET Q q 0 0 0 rg BT 545.04 301.50 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 547.54 301.50 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 289.50 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 383.11 289.50 Td (s end-of-period loans increased 3% to $684 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 277.50 Td (billion versus the prior year) Tj ET Q q 0 0 0 rg BT 433.98 277.50 Td (. Excluding the impact of foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 265.50 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 324.00 253.50 Td (\(FX translation\), Citigroup) Tj ET Q q 0 0 0 rg BT 434.27 253.50 Td (s end-of-period loans grew 4%, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 241.50 Td (8% growth in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 380.94 241.50 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.16 241.50 Td ( and 3% growth in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 474.54 241.50 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.54 241.50 Td ( were partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 229.50 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 229.50 Td (fset by the continued wind-down of legacy assets in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 217.50 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.78 217.50 Td (. \(Citi) Tj ET Q q 0 0 0 rg BT 417.89 217.50 Td (s results of operations excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 205.50 Td (impact of gains on sales and FX translation are non-GAAP) Tj ET Q q 0 0 0 rg BT 559.42 205.50 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 193.50 Td (financial measures. Citi believes the presentation of its results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 181.50 Td (of operations excluding the impact of gains on sales and FX ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 169.50 Td (translation provides a meaningful depiction for investors of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 157.50 Td (the underlying fundamentals of its businesses.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 145.50 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 383.11 145.50 Td (s end-of-period deposits increased 6% to $1.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 133.50 Td (trillion versus the prior year) Tj ET Q q 0 0 0 rg BT 435.08 133.50 Td (. Excluding the impact of FX ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 121.50 Td (translation, Citigroup) Tj ET Q q 0 0 0 rg BT 412.33 121.50 Td (s deposits were up 7%, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 109.50 Td (reflecting a 10% increase in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 438.11 109.50 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.33 109.50 Td ( and a 1% increase in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 543.07 109.50 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.07 109.50 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 85.50 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 73.50 Td (Citigroup operating expenses of $41.8 billion decreased 1% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 61.50 Td (versus the prior year) Tj ET Q q 0 0 0 rg BT 405.51 61.50 Td (, as ef) Tj ET Q q 0 0 0 rg BT 428.93 61.50 Td (ficiency savings and the wind-down ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 49.50 Td (of legacy assets more than of) Tj ET Q q 0 0 0 rg BT 440.17 49.50 Td (fset the impact of higher volume-) 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 (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (related expenses and ongoing investments. Operating expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (in both ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 66.56 737.10 Td (ICG ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.28 737.10 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 103.22 737.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.22 737.10 Td ( were up 3%, while ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 203.19 737.10 Td (Corporate/Other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (operating expenses declined 40%, all versus the prior year) Tj ET Q q 0 0 0 rg BT 268.42 725.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (Cost of Credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 689.10 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 36.00 677.10 Td (claims of $7.6 billion increased 2% from the prior year) Tj ET Q q 0 0 0 rg BT 255.53 677.10 Td (, driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (by higher net loan loss reserve builds and higher net credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 64.71 653.10 Td (The net loan loss reserve build of $354 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (compared to a net loan loss reserve build of $266 million in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (the prior year) Tj ET Q q 0 0 0 rg BT 89.31 629.10 Td (. ) Tj ET Q q 0 0 0 rg BT 94.13 629.10 Td (The increase lar) Tj ET Q q 0 0 0 rg BT 157.80 629.10 Td (gely reflected a modest net loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (loss reserve build in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 118.76 617.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.99 617.10 Td (,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 138.49 617.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.99 617.10 Td (compared to a net loan loss reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (release in the prior year) Tj ET Q q 0 0 0 rg BT 129.99 605.10 Td (, partially of) Tj ET Q q 0 0 0 rg BT 178.96 605.10 Td (fset by lower net loan loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (reserve builds in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 104.59 593.10 Td (North ) Tj ET Q q 0 0 0 rg BT 130.25 593.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.63 593.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 581.10 Td (Net credit losses of $7.1 billion increased 1% versus the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 74.59 569.10 Td (. Consumer net credit losses increased 4% to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td ($6.9 billion, lar) Tj ET Q q 0 0 0 rg BT 97.48 557.10 Td (gely reflecting volume growth and seasoning in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.72 545.10 Td (North ) Tj ET Q q 0 0 0 rg BT 76.38 545.10 Td (America ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.75 545.10 Td (cards portfolios, partially of) Tj ET Q q 0 0 0 rg BT 224.21 545.10 Td (fset by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (continued wind-down of legacy assets in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 201.52 533.10 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.30 533.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (Corporate net credit losses decreased 55% to $169 million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (primarily reflecting the impact of an episodic char) Tj ET Q q 0 0 0 rg BT 236.57 509.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 257.49 509.10 Td (f ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (incurred in the prior year) Tj ET Q q 0 0 0 rg BT 135.40 497.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 485.10 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 192.88 485.10 Td (s consumer and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (corporate credit costs and allowance for loan losses, see each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (respective business) Tj ET Q q 0 0 0 rg BT 115.70 461.10 Td (s results of operations and Credit Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (below) Tj ET Q q 0 0 0 rg BT 59.79 449.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (Capital) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 413.10 Td (s Common Equity ) Tj ET Q q 0 0 0 rg BT 152.22 413.10 Td (T) Tj ET Q q 0 0 0 rg BT 157.97 413.10 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 226.66 413.10 Td (T) Tj ET Q q 0 0 0 rg BT 232.42 413.10 Td (ier 1 Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (ratios were 1) Tj ET Q q 0 0 0 rg BT 87.27 401.10 Td (1.9% and 13.5% as of December 31, 2018, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 83.66 389.10 Td (, compared to 12.4% and 14.1% as of December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (31, 2017, both based on the Basel III Standardized ) Tj ET Q q 0 0 0 rg BT 240.12 377.10 Td (Approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (for determining risk-weighted assets. ) Tj ET Q q 0 0 0 rg BT 186.62 365.10 Td (The decline in regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (capital lar) Tj ET Q q 0 0 0 rg BT 75.52 353.10 Td (gely reflected the return of capital to common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (shareholders, partially of) Tj ET Q q 0 0 0 rg BT 135.51 341.10 Td (fset by earnings growth. Citigroup) Tj ET Q q 0 0 0 rg BT 275.77 341.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (Supplementary Leverage ratio as of December 31, 2018 was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (6.4%, compared to 6.7% as of December 31, 2017. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (additional information on Citi) Tj ET Q q 0 0 0 rg BT 158.49 305.10 Td (s capital ratios and related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (components, see Capital Resources below) Tj ET Q q 0 0 0 rg BT 212.24 293.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (Global Consumer Banking) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 257.10 Td (net income of $5.8 billion increased 49%. Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (one-time impact of ) Tj ET Q q 0 0 0 rg BT 114.40 245.10 Td (T) Tj ET Q q 0 0 0 rg BT 119.81 245.10 Td (ax Reform in the prior year) Tj ET Q q 0 0 0 rg BT 228.54 245.10 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 233.54 245.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.54 245.10 Td ( net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (income increased 25%, driven primarily by a lower ef) Tj ET Q q 0 0 0 rg BT 251.57 233.10 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (tax rate and higher revenues, partially of) Tj ET Q q 0 0 0 rg BT 197.69 221.10 Td (fset by higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (expenses. Operating expenses were $18.6 billion, up 3%, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (higher volume-related expenses and continued investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (were partially of) Tj ET Q q 0 0 0 rg BT 101.90 185.10 Td (fset by ef) Tj ET Q q 0 0 0 rg BT 138.92 185.10 Td (ficiency savings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 173.10 Td (GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 173.10 Td (revenues of $33.8 billion increased 3% versus the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 74.75 161.10 Td (, driven by growth across all regions. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 225.55 161.10 Td (North ) Tj ET Q q 0 0 0 rg BT 251.21 161.10 Td (America ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 149.10 Td (revenues increased 1% to $20.5 billion, driven by higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (revenues across all businesses. Citi-branded cards revenues of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td ($8.6 billion were up 1% versus the prior year) Tj ET Q q 0 0 0 rg BT 216.39 125.10 Td (, as growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (interest-earning balances was lar) Tj ET Q q 0 0 0 rg BT 166.59 113.10 Td (gely of) Tj ET Q q 0 0 0 rg BT 194.46 113.10 Td (fset by the previously ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (disclosed impact of partnership renewal terms. Citi retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (services revenues of $6.6 billion increased 3% versus the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (year) Tj ET Q q 0 0 0 rg BT 52.81 77.10 Td (, primarily reflecting or) Tj ET Q q 0 0 0 rg BT 146.48 77.10 Td (ganic loan growth and the benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (of the L.L.Bean portfolio acquisition, partially of) Tj ET Q q 0 0 0 rg BT 232.16 65.10 Td (fset by higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (partner payments. Retail banking revenues increased 1% from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (the prior year to $5.3 billion. Excluding mortgage revenues, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (retail banking revenues of $4.8 billion were up 6% from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 362.75 725.10 Td (, driven by continued growth in deposit mar) Tj ET Q q 0 0 0 rg BT 538.09 725.10 Td (gins, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 367.97 713.10 Td (fset by lower deposit volumes.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 701.10 Td (North ) Tj ET Q q 0 0 0 rg BT 367.66 701.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.04 701.10 Td ( average deposits of $180 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (decreased a net 2% year) Tj ET Q q 0 0 0 rg BT 420.41 689.10 Td (-over) Tj ET Q q 0 0 0 rg BT 441.30 689.10 Td (-year) Tj ET Q q 0 0 0 rg BT 461.44 689.10 Td (, primarily driven by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (reduction in money market balances, as clients transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (money to investments. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 416.77 665.10 Td (North ) Tj ET Q q 0 0 0 rg BT 442.43 665.10 Td (America GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.30 665.10 Td (average retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (loans of $56 billion grew 1% from the prior year) Tj ET Q q 0 0 0 rg BT 518.12 653.10 Td (. ) Tj ET Q q 0 0 0 rg BT 522.57 653.10 Td (Assets under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (management of $60 billion were lar) Tj ET Q q 0 0 0 rg BT 466.83 641.10 Td (gely unchanged from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 362.75 629.10 Td (, as 5% underlying growth was of) Tj ET Q q 0 0 0 rg BT 497.26 629.10 Td (fset by the impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (of market movements, due to the equity market sell-of) Tj ET Q q 0 0 0 rg BT 541.26 617.10 Td (f at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (end of 2018. ) Tj ET Q q 0 0 0 rg BT 376.22 605.10 Td (A) Tj ET Q q 0 0 0 rg BT 382.70 605.10 Td (verage Citi-branded card loans of $88 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (increased 4%, while Citi-branded card purchase sales of $344 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (billion increased 8% versus the prior year) Tj ET Q q 0 0 0 rg BT 490.06 581.10 Td (. ) Tj ET Q q 0 0 0 rg BT 494.51 581.10 Td (A) Tj ET Q q 0 0 0 rg BT 500.99 581.10 Td (verage Citi retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (services loans of $48 billion increased 6% versus the prior ) 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 340.81 557.10 Td (, while Citi retail services purchase sales of $87 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (were up 7%. For additional information on the results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (operations of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 378.99 533.10 Td (North ) Tj ET Q q 0 0 0 rg BT 404.64 533.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.02 533.10 Td ( for 2018, see ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 522.39 533.10 Td (Global ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.94 521.10 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 410.94 521.10 Td (North ) Tj ET Q q 0 0 0 rg BT 436.60 521.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.97 521.10 Td ( below) Tj ET Q q 0 0 0 rg BT 523.70 521.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 509.10 Td (International ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 395.59 509.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.59 509.10 Td ( revenues \(consisting of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 513.34 509.10 Td (Latin ) Tj ET Q q 0 0 0 rg BT 536.78 509.10 Td (America ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 497.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 363.44 497.10 Td (Asia GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.72 497.10 Td ( \(which includes the results of operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (in certain ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 363.98 485.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.64 485.10 Td ( countries\)\) increased 5% versus the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (year to $13.2 billion. Excluding the impact of FX translation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (international ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 377.04 461.10 Td (GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.54 461.10 Td (revenues increased 6% versus the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (year) Tj ET Q q 0 0 0 rg BT 340.66 449.10 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 345.66 449.10 Td (Latin ) Tj ET Q q 0 0 0 rg BT 369.09 449.10 Td (America GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.97 449.10 Td (revenues increased 13% versus the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (prior year) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 363.15 437.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.15 437.10 Td (including the gain on sale in 2018) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 503.68 437.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.18 437.10 Td ( Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (gain on sale, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 376.76 425.10 Td (Latin ) Tj ET Q q 0 0 0 rg BT 400.20 425.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.58 425.10 Td ( revenues increased 8%,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 553.20 425.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (driven by growth in loans and deposits as well as improved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (deposit spreads. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 390.38 401.10 Td (Asia GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.16 401.10 Td (revenues increased 2% versus the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 362.75 389.10 Td (, as continued growth in deposit, cards and insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (revenues was lar) Tj ET Q q 0 0 0 rg BT 390.46 377.10 Td (gely of) Tj ET Q q 0 0 0 rg BT 418.32 377.10 Td (fset by lower investment revenues due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (to weak market sentiment. For additional information on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (results of operations of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 418.42 353.10 Td (Latin ) Tj ET Q q 0 0 0 rg BT 441.86 353.10 Td (America GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.74 353.10 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 517.68 353.10 Td (Asia GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.96 353.10 Td ( for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (2018, including the impact of FX translation,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 504.53 341.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.03 341.10 Td (see ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 526.73 341.10 Td (Global ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.94 329.10 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 410.94 329.10 Td (Latin ) Tj ET Q q 0 0 0 rg BT 434.38 329.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.75 329.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 519.07 329.10 Td (Global ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.94 317.10 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 410.94 317.10 Td (Asia GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.22 317.10 Td ( below) Tj ET Q q 0 0 0 rg BT 481.94 317.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 305.10 Td (Y) Tj ET Q q 0 0 0 rg BT 348.22 305.10 Td (ear) Tj ET Q q 0 0 0 rg BT 360.23 305.10 Td (-over) Tj ET Q q 0 0 0 rg BT 381.13 305.10 Td (-year) Tj ET Q q 0 0 0 rg BT 401.26 305.10 Td (, international ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 459.30 305.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.30 305.10 Td ( average deposits of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td ($127 billion increased 4%, average retail loans of $90 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (increased 3%, assets under management of $98 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (decreased 1%, average card loans of $24 billion increased 2% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (and card purchase sales of $104 billion increased 7%, all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (excluding the impact of FX translation.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (Institutional Clients Group) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (ICG ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.72 209.10 Td (net income of $12.2 billion) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 452.32 209.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.82 209.10 Td (increased 35%. Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (one-time impact of ) Tj ET Q q 0 0 0 rg BT 402.40 197.10 Td (T) Tj ET Q q 0 0 0 rg BT 407.81 197.10 Td (ax Reform in the prior year) Tj ET Q q 0 0 0 rg BT 516.54 197.10 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 521.54 197.10 Td (ICG ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.26 197.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (income increased 1) Tj ET Q q 0 0 0 rg BT 400.82 185.10 Td (1%, driven by a lower ef) Tj ET Q q 0 0 0 rg BT 499.49 185.10 Td (fective tax rate and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (higher revenues, partially of) Tj ET Q q 0 0 0 rg BT 436.55 173.10 Td (fset by higher operating expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (and higher cost of credit. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 426.19 161.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.41 161.10 Td ( operating expenses increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (3% to $21.0 billion, as higher compensation costs, volume-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (related expenses and continued investments were partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 125.10 Td (fset by ef) Tj ET Q q 0 0 0 rg BT 369.18 125.10 Td (ficiency savings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 113.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.22 113.10 Td ( revenues were $37.0 billion in 2018, up 1% from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 362.75 101.10 Td (, as a 6% increase in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 446.88 101.10 Td (Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.70 101.10 Td (revenues was lar) Tj ET Q q 0 0 0 rg BT 549.16 101.10 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 89.10 Td (fset by a 3% decrease in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 431.55 89.10 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.35 89.10 Td (,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 559.85 89.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (including the impact of the gain on sale in the prior year) Tj ET Q q 0 0 0 rg BT 548.10 77.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (Excluding the gain on sale in the prior year) Tj ET Q q 0 0 0 rg BT 496.32 65.10 Td (, revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (increased 3%, primarily driven by a 6% increase in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 531.14 53.10 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.47 53.10 Td ( ) 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 (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (revenues, as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 87.37 749.10 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.17 749.10 Td ( revenues were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (lar) Tj ET Q q 0 0 0 rg BT 46.37 737.10 Td (gely unchanged versus the prior year) Tj ET Q q 0 0 0 rg BT 193.26 737.10 Td (. ) Tj ET Q q 0 0 0 rg BT 198.08 737.10 Td (The increase in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.83 725.10 Td (revenues included the impact of $45 million of gains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (on loan hedges within corporate lending, compared to losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (of $133 million in the prior year) Tj ET Q q 0 0 0 rg BT 164.31 701.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 689.10 Td (Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.83 689.10 Td (revenues of $19.9 billion \(excluding the impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (of gains \(losses\) on loan hedges within corporate lending\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (increased 5%, driven by solid growth in treasury and trade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (solutions, private bank and corporate lending, partially of) Tj ET Q q 0 0 0 rg BT 265.48 653.10 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (by lower revenues in investment banking. Investment banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (revenues of $5.0 billion decreased 7% versus the prior year) Tj ET Q q 0 0 0 rg BT 272.74 629.10 Td (, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (growth in advisory was more than of) Tj ET Q q 0 0 0 rg BT 183.01 617.10 Td (fset by a decline in both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (debt and equity underwriting, lar) Tj ET Q q 0 0 0 rg BT 167.17 605.10 Td (gely reflecting lower market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (activity) Tj ET Q q 0 0 0 rg BT 65.34 593.10 Td (. ) Tj ET Q q 0 0 0 rg BT 69.79 593.10 Td (Advisory revenues increased 16% to $1.3 billion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (equity underwriting revenues decreased 12% to $991 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (and debt underwriting revenues decreased 13% to $2.7 billion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (all versus the prior year) Tj ET Q q 0 0 0 rg BT 129.86 557.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 545.10 Td (T) Tj ET Q q 0 0 0 rg BT 59.76 545.10 Td (reasury and trade solutions revenues of $9.3 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (increased 8% versus the prior year) Tj ET Q q 0 0 0 rg BT 173.60 533.10 Td (, reflecting volume growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (and improved deposit spreads, with solid growth across net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (interest and fee income. Private bank revenues increased 9% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (to $3.4 billion from the prior year) Tj ET Q q 0 0 0 rg BT 170.29 497.10 Td (, driven by growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (investments, as well as improved deposit spreads. Corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (lending revenues increased 26% to $2.3 billion. Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (impact of gains \(losses\) on loan hedges, corporate lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (revenues increased 15% versus the prior year) Tj ET Q q 0 0 0 rg BT 216.63 449.10 Td (, primarily driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (by loan growth and lower hedging costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 425.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.50 425.10 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.30 425.10 Td ( revenues of $17.0 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (decreased 3% from the prior year) Tj ET Q q 0 0 0 rg BT 168.99 413.10 Td (. Excluding the gain on sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (in the prior year) Tj ET Q q 0 0 0 rg BT 99.74 401.10 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 104.74 401.10 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.54 401.10 Td ( revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (were lar) Tj ET Q q 0 0 0 rg BT 68.29 389.10 Td (gely unchanged from the prior year) Tj ET Q q 0 0 0 rg BT 209.23 389.10 Td (, as a decline in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (fixed income markets revenues was of) Tj ET Q q 0 0 0 rg BT 189.37 377.10 Td (fset by an increase in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (both equity markets and securities services revenues. Fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (income markets revenues of $1) Tj ET Q q 0 0 0 rg BT 160.58 353.10 Td (1.6 billion decreased 6% from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (the prior year) Tj ET Q q 0 0 0 rg BT 89.46 341.10 Td (, driven by lower revenues in both rates and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (currencies and spread products, reflecting the more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (challenging environment. Equity markets revenues of $3.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (billion increased 19% from the prior year \(14% excluding an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (episodic loss in derivatives in the prior year\), driven by growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (in derivatives and prime finance as well as higher investor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (client revenue, partially of) Tj ET Q q 0 0 0 rg BT 141.33 269.10 Td (fset by a modest decline in cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (equities. Securities services revenues of $2.6 billion increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (1) Tj ET Q q 0 0 0 rg BT 40.63 245.10 Td (1%, driven by growth in client volumes and higher interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (revenue. For additional information on the results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (operations of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 90.99 221.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.21 221.10 Td ( for 2018, see ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 169.57 221.10 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 262.54 221.10 Td (oup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.54 221.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (below) Tj ET Q q 0 0 0 rg BT 59.79 209.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Corporate/Other) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.78 737.25 Td ( net income was $107 million in 2018, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (compared to a net loss of $19.7 billion in the prior year) Tj ET Q q 0 0 0 rg BT 543.95 725.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (Excluding the one-time impact of ) Tj ET Q q 0 0 0 rg BT 460.72 713.25 Td (T) Tj ET Q q 0 0 0 rg BT 466.13 713.25 Td (ax Reform in both periods, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (Corporate/Other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.28 701.25 Td (net income declined 92% to $13 million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (lar) Tj ET Q q 0 0 0 rg BT 334.37 689.25 Td (gely reflecting lower revenues, partially of) Tj ET Q q 0 0 0 rg BT 504.67 689.25 Td (fset by lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (operating expenses and lower cost of credit. Operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (expenses of $2.3 billion declined 40% from the prior year) Tj ET Q q 0 0 0 rg BT 554.64 665.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (lar) Tj ET Q q 0 0 0 rg BT 334.37 653.25 Td (gely reflecting the wind-down of legacy assets, lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (infrastructure costs and lower legal expenses. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 508.10 641.25 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 575.88 641.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (revenues were $2.1 billion, down 33% from the prior year) Tj ET Q q 0 0 0 rg BT 556.03 629.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (primarily reflecting the continued wind-down of legacy assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 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 324.00 593.25 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.78 593.25 Td ( for 2018, see ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 453.15 593.25 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.92 593.25 Td ( below) Tj ET Q q 0 0 0 rg BT 551.65 593.25 Td (.) 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 (9) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (RESUL) Tj ET Q q 0 0 0 rg BT 74.91 747.90 Td (TS OF) Tj ET Q q 0 0 0 rg BT 108.81 747.90 Td ( OPERA) Tj ET Q q 0 0 0 rg BT 152.92 747.90 Td (TIONS) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 725.50 Td (SUMMAR) Tj ET Q q 0 0 0 rg BT 90.90 725.50 Td (Y) Tj ET Q q 0 0 0 rg BT 99.12 725.50 Td ( OF) Tj ET Q q 0 0 0 rg BT 118.34 725.50 Td ( SELECTED FINANCIAL) Tj ET Q q 0 0 0 rg BT 255.71 725.50 Td ( DA) Tj ET Q q 0 0 0 rg BT 275.15 725.50 Td (T) Tj ET Q q 0 0 0 rg BT 282.26 725.50 Td (AP) Tj ET Q q 0 0 0 rg BT 309.37 725.50 Td (AGE1) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 412.55 706.70 Td (Citigr) Tj ET Q q 0 0 0 rg BT 433.72 706.70 Td (oup Inc. and Consolidated Subsidiaries) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 668.20 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 668.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 668.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 668.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 668.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 668.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 640.20 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 640.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 640.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 640.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 640.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 640.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 612.20 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 612.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 612.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 612.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 612.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 612.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 584.20 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 584.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 584.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 584.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 584.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 584.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 556.20 235.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 556.20 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 556.20 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 556.20 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 556.20 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 556.20 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 520.20 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 520.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 520.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 520.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 520.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 520.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 492.20 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 492.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 492.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 492.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 492.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 492.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 446.20 235.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 446.20 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 446.20 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 446.20 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 446.20 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 446.20 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 408.20 235.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 408.20 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 408.20 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 408.20 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 408.20 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 408.20 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 379.20 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 379.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 379.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 379.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 379.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 379.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 351.20 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 351.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 351.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 351.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 351.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 351.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 323.20 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 323.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 323.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 323.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 323.20 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 323.20 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 35.5 682.2 m 270.5 682.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 682.2 m 331.5 682.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 682.2 m 575.5 682.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 682.2 m 331.5 682.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 682.2 m 392.5 682.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 682.2 m 453.5 682.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 682.2 m 514.5 682.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 682.2 m 575.5 682.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 654.2 m 270.5 654.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 654.2 m 331.5 654.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 654.2 m 392.5 654.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 654.2 m 453.5 654.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 654.2 m 514.5 654.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 654.2 m 575.5 654.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 654.2 m 331.5 654.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 654.2 m 392.5 654.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 654.2 m 453.5 654.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 654.2 m 514.5 654.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 654.2 m 575.5 654.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 612.2 m 270.5 612.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 612.2 m 331.5 612.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 612.2 m 392.5 612.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 612.2 m 453.5 612.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 612.2 m 514.5 612.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 612.2 m 575.5 612.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 612.2 m 331.5 612.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 612.2 m 392.5 612.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 612.2 m 453.5 612.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 612.2 m 575.5 612.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 584.2 m 270.5 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 584.2 m 331.5 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 584.2 m 392.5 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 584.2 m 453.5 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 584.2 m 514.5 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 584.2 m 575.5 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 584.2 m 331.5 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 584.2 m 392.5 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 584.2 m 453.5 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 584.2 m 575.5 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 556.2 m 270.5 556.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 556.2 m 331.5 556.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 556.2 m 392.5 556.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 556.2 m 453.5 556.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 556.2 m 514.5 556.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 556.2 m 575.5 556.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 556.2 m 331.5 556.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 556.2 m 392.5 556.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 556.2 m 453.5 556.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 556.2 m 514.5 556.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 556.2 m 575.5 556.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 520.2 m 270.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 520.2 m 331.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 520.2 m 392.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 520.2 m 453.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 520.2 m 514.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 520.2 m 575.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 506.2 m 270.5 506.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 520.2 m 331.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 506.2 m 331.5 506.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 520.2 m 392.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 506.2 m 392.5 506.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 520.2 m 453.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 506.2 m 453.5 506.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 506.2 m 514.5 506.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 520.2 m 575.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 506.2 m 575.5 506.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 506.2 m 270.5 506.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 506.2 m 331.5 506.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 506.2 m 392.5 506.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 506.2 m 453.5 506.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 506.2 m 514.5 506.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 506.2 m 575.5 506.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 446.2 m 331.5 446.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 446.2 m 392.5 446.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 446.2 m 453.5 446.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 446.2 m 270.5 446.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 446.2 m 331.5 446.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 446.2 m 392.5 446.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 446.2 m 453.5 446.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 446.2 m 514.5 446.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 446.2 m 575.5 446.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 365.2 m 270.5 365.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 365.2 m 331.5 365.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 365.2 m 392.5 365.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 365.2 m 453.5 365.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 365.2 m 514.5 365.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 365.2 m 575.5 365.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 365.2 m 270.5 365.2 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 309.2 m 270.5 309.2 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 309.2 m 331.5 309.2 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 309.2 m 392.5 309.2 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 309.2 m 453.5 309.2 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 309.2 m 514.5 309.2 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 309.2 m 575.5 309.2 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 686.45 Td (In millions of dollars, except per shar) Tj ET Q q 0 0 0 rg BT 158.36 686.45 Td (e amounts and ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 686.65 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 686.66 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 686.66 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.50 686.66 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 686.66 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 672.66 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 672.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 672.65 Td (46,562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 672.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.90 672.66 Td (45,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 672.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.90 672.66 Td (45,476) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 672.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.90 672.66 Td (47,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 672.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.90 672.66 Td (48,445) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 658.66 Td (Non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 658.65 Td (26,292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.90 658.66 Td (27,383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.90 658.66 Td (25,321) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.90 658.66 Td (30,184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.90 658.66 Td (29,731) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 644.65 Td (Revenues, net of inter) Tj ET Q q 0 0 0 rg BT 121.40 644.65 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 644.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 644.65 Td (72,854) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 644.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.90 644.66 Td (72,444) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 644.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.90 644.66 Td (70,797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 644.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.90 644.66 Td (77,277) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 644.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.90 644.66 Td (78,176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 630.66 Td (Operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 630.65 Td (41,841) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.90 630.66 Td (42,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.90 630.66 Td (42,338) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.90 630.66 Td (44,538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.90 630.66 Td (56,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 616.66 Td (Provisions for credit losses and for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.40 616.65 Td (7,568) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.40 616.66 Td (7,451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.40 616.66 Td (6,982) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.40 616.66 Td (7,913) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.40 616.66 Td (7,467) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 602.65 Td (Income fr) Tj ET Q q 0 0 0 rg BT 75.65 602.65 Td (om continuing operations befor) Tj ET Q q 0 0 0 rg BT 196.24 602.65 Td (e income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 602.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 602.65 Td (23,445) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 602.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.90 602.66 Td (22,761) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 602.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.90 602.66 Td (21,477) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 602.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.90 602.66 Td (24,826) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 602.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.90 602.66 Td (14,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 588.66 Td (Income taxes) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 85.73 592.74 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.40 588.65 Td (5,357) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.90 588.66 Td (29,388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.40 588.66 Td (6,444) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.40 588.66 Td (7,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.40 588.66 Td (7,197) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 574.65 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 97.90 574.65 Td (om continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 574.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 574.65 Td (18,088) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 574.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.40 574.66 Td (\(6,627) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.65 574.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 574.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.90 574.66 Td (15,033) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 574.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.90 574.66 Td (17,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 574.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.40 574.66 Td (7,504) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 560.65 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 97.82 560.65 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 251.82 564.73 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.15 560.65 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.65 560.65 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.15 560.66 Td (\(1) Tj ET Q q 0 0 0 rg BT 379.65 560.66 Td (1) Tj ET Q q 0 0 0 rg BT 384.15 560.66 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.65 560.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.65 560.66 Td (\(58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.65 560.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.65 560.66 Td (\(54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.65 560.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.15 560.66 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.65 560.66 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 547.60 Td (Net income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 126.14 547.60 Td (e attribution of noncontr) Tj ET Q q 0 0 0 rg BT 221.23 547.60 Td (olling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 538.60 Td (inter) Tj ET Q q 0 0 0 rg BT 56.41 538.60 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 538.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 538.65 Td (18,080) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 538.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.40 538.66 Td (\(6,738) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.65 538.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 538.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.90 538.66 Td (14,975) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 538.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.90 538.66 Td (17,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 538.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.40 538.66 Td (7,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 524.66 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 79.73 524.66 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 81.98 524.66 Td (attributable to noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.65 524.65 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.65 524.66 Td (60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 524.66 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.65 524.66 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.15 524.66 Td (192) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 510.65 Td (Citigr) Tj ET Q q 0 0 0 rg BT 60.83 510.65 Td (oup) Tj ET Q q 0 0 0 rg BT 78.00 510.65 Td (s net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 147.74 514.73 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 510.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 510.65 Td (18,045) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 510.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.40 510.66 Td (\(6,798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.65 510.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 510.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.90 510.66 Td (14,912) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 510.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.90 510.66 Td (17,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 510.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.40 510.66 Td (7,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.50 496.66 Td (Less:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.00 482.66 Td (Preferred dividendsBasic) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 482.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.40 482.65 Td (1,173) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 482.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.40 482.66 Td (1,213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 482.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.40 482.66 Td (1,077) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 482.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.15 482.66 Td (769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 482.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.15 482.66 Td (51) Tj ET Q q 0 0 0 rg BT 567.15 482.66 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.00 468.66 Td (Dividends and undistributed earnings allocated to employee) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.50 459.66 Td (restricted and deferred shares that contain nonforfeitable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.50 450.66 Td (rights to dividends, applicable to basic EPS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.15 450.65 Td (200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.65 450.66 Td (37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.15 450.66 Td (195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.15 450.66 Td (224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.15 450.66 Td (1) Tj ET Q q 0 0 0 rg BT 562.65 450.66 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 436.65 Td (Income \(loss\) allocated to unr) Tj ET Q q 0 0 0 rg BT 151.41 436.65 Td (estricted common) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 427.65 Td (shar) Tj ET Q q 0 0 0 rg BT 54.92 427.65 Td (eholders for) Tj ET Q q 0 0 0 rg BT 101.00 427.65 Td ( basic and diluted EPS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 427.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 427.65 Td (16,672) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 427.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.40 427.66 Td (\(8,048) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.65 427.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 427.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.90 427.66 Td (13,640) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 427.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.90 427.66 Td (16,249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 427.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.40 427.66 Td (6,689) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 412.65 Td (Earnings per) Tj ET Q q 0 0 0 rg BT 88.17 412.65 Td ( shar) Tj ET Q q 0 0 0 rg BT 107.26 412.65 Td (e) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 397.65 Td (Basic) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 383.66 Td (Income \(loss\) from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 383.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.90 383.65 Td (6.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 383.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.90 383.66 Td (\(2.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.65 383.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 383.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.90 383.66 Td (4.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 383.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.90 383.66 Td (5.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 383.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.90 383.66 Td (2.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 369.66 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.90 369.65 Td (6.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.90 369.66 Td (\(2.98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.65 369.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.90 369.66 Td (4.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.90 369.66 Td (5.41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.90 369.66 Td (2.21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 355.65 Td (Diluted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 341.66 Td (Income \(loss\) from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 341.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.90 341.65 Td (6.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 341.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.90 341.66 Td (\(2.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.65 341.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 341.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.90 341.66 Td (4.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 341.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.90 341.66 Td (5.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 341.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.90 341.66 Td (2.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 327.66 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 79.73 327.66 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 81.98 327.66 Td (\(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.90 327.65 Td (6.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.90 327.66 Td (\(2.98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.65 327.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.90 327.66 Td (4.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.90 327.66 Td (5.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.90 327.66 Td (2.20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 313.65 Td (Dividends declar) Tj ET Q q 0 0 0 rg BT 102.59 313.65 Td (ed per) Tj ET Q q 0 0 0 rg BT 126.67 313.65 Td ( common shar) Tj ET Q q 0 0 0 rg BT 181.01 313.65 Td (e) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.90 313.65 Td (1.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.90 313.66 Td (0.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.90 313.66 Td (0.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.90 313.66 Td (0.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.90 313.66 Td (0.04) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.90 285.70 Td (T) Tj ET Q q 0 0 0 rg BT 203.31 285.70 Td (able continues on the next page, including footnotes.) 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 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 (SUMMAR) Tj ET Q q 0 0 0 rg BT 90.90 747.90 Td (Y) Tj ET Q q 0 0 0 rg BT 99.12 747.90 Td ( OF) Tj ET Q q 0 0 0 rg BT 118.34 747.90 Td ( SELECTED FINANCIAL) Tj ET Q q 0 0 0 rg BT 255.71 747.90 Td ( DA) Tj ET Q q 0 0 0 rg BT 275.15 747.90 Td (T) Tj ET Q q 0 0 0 rg BT 282.26 747.90 Td (AP) Tj ET Q q 0 0 0 rg BT 309.37 747.90 Td (AGE2) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 678.40 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 678.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 678.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 678.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 678.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 678.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 650.40 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 650.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 650.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 650.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 650.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 650.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 622.40 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 622.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 622.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 622.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 622.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 622.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 594.40 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 594.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 594.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 594.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 594.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 594.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 566.40 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 566.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 566.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 566.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 566.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 566.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 538.40 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 538.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 538.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 538.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 538.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 538.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 510.40 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 510.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 510.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 510.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 510.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 510.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 482.40 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 482.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 482.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 482.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 482.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 482.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 454.40 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 454.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 454.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 454.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 454.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 454.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 426.40 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 426.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 426.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 426.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 426.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 426.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 398.40 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 398.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 398.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 398.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 398.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 398.40 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 35.5 692.4 m 273.5 692.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 692.4 m 333.5 692.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 692.4 m 393.5 692.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 692.4 m 453.5 692.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 692.4 m 514.5 692.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 692.4 m 575.5 692.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 692.4 m 453.5 692.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 692.4 m 514.5 692.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 692.4 m 575.5 692.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 594.4 m 273.5 594.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 594.4 m 333.5 594.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 594.4 m 393.5 594.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 594.4 m 453.5 594.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 594.4 m 514.5 594.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 594.4 m 575.5 594.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 594.4 m 393.5 594.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 594.4 m 453.5 594.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 524.4 m 273.5 524.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 524.4 m 333.5 524.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 524.4 m 393.5 524.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 524.4 m 453.5 524.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 524.4 m 514.5 524.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 524.4 m 575.5 524.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 454.4 m 333.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 454.4 m 393.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 454.4 m 453.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 454.4 m 514.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 454.4 m 575.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 454.4 m 273.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 454.4 m 393.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 454.4 m 453.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 454.4 m 514.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 454.4 m 575.5 454.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 370.4 m 273.5 370.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 370.4 m 333.5 370.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 370.4 m 393.5 370.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 370.4 m 453.5 370.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 370.4 m 514.5 370.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 370.4 m 575.5 370.4 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 696.65 Td (In millions of dollars, except per shar) Tj ET Q q 0 0 0 rg BT 158.36 696.65 Td (e amounts, ratios and dir) Tj ET Q q 0 0 0 rg BT 238.73 696.65 Td (ect staff) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 696.85 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.00 696.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 696.86 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.50 696.86 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 696.86 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 682.85 Td (At December) Tj ET Q q 0 0 0 rg BT 88.64 682.85 Td ( 31:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 668.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 668.86 Td (otal assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 668.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 668.85 Td (1,917,383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 668.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 668.86 Td (1,842,465) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 668.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.50 668.86 Td (1,792,077) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 668.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.50 668.86 Td (1,731,210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 668.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 668.86 Td (1,842,181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 654.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 654.86 Td (otal deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 654.85 Td (1,013,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 654.86 Td (959,822) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 654.86 Td (929,406) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 654.86 Td (907,887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.25 654.86 Td (899,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 640.86 Td (Long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 640.85 Td (231,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 640.86 Td (236,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 640.86 Td (206,178) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 640.86 Td (201,275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.25 640.86 Td (223,080) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 626.86 Td (Citigroup common stockholders) Tj ET Q q 0 0 0 rg BT 156.32 626.86 Td ( equity) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 181.06 630.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 626.85 Td (177,760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 626.86 Td (181,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 626.86 Td (205,867) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 626.86 Td (205,139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.25 626.86 Td (199,717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 612.86 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 612.86 Td (otal Citigroup stockholders) Tj ET Q q 0 0 0 rg BT 143.19 612.86 Td ( equity) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 167.93 616.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 612.85 Td (196,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 612.86 Td (200,740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 612.86 Td (225,120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 612.86 Td (221,857) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.25 612.86 Td (210,185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 598.86 Td (Direct staf) Tj ET Q q 0 0 0 rg BT 75.57 598.86 Td (f ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 80.82 598.86 Td (\(in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 598.85 Td (204) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 598.86 Td (209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 598.86 Td (219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 598.86 Td (231) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.00 598.86 Td (241) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 584.85 Td (Performance metrics) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 570.86 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 570.85 Td (0.94) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 570.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 570.86 Td (\(0.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.50 570.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 570.86 Td (0.82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 570.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 570.86 Td (0.95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.50 570.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 570.86 Td (0.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 570.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 556.86 Td (Return on average common stockholders) Tj ET Q q 0 0 0 rg BT 187.79 556.86 Td ( equity) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 212.53 560.94 Td (\(1\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.75 556.85 Td (9.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 556.86 Td (\(3.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.50 556.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.25 556.86 Td (6.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.25 556.86 Td (8.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 556.86 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 542.86 Td (Return on average total stockholders) Tj ET Q q 0 0 0 rg BT 172.29 542.86 Td ( equity) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 197.03 546.94 Td (\(1\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.75 542.85 Td (9.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 542.86 Td (\(3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.50 542.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.25 542.86 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.25 542.86 Td (7.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 542.86 Td (3.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 528.86 Td (Ef) Tj ET Q q 0 0 0 rg BT 46.41 528.86 Td (ficiency ratio \(total operating expenses/total revenues\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 528.85 Td (57.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.75 528.86 Td (58.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 528.86 Td (59.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 528.86 Td (57.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 528.86 Td (71.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 514.85 Td (Basel III ratiosfull implementation) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 180.25 518.93 Td (\(1\)\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 500.86 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 99.84 500.86 Td (T) Tj ET Q q 0 0 0 rg BT 105.02 500.86 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 149.51 504.94 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.75 500.85 Td (1) Tj ET Q q 0 0 0 rg BT 308.25 500.85 Td (1.86) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 500.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.25 500.86 Td (12.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 500.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 500.86 Td (12.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 500.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 500.86 Td (12.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.50 500.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 500.86 Td (10.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 500.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 486.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 486.86 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 87.67 490.94 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.75 486.85 Td (13.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.25 486.86 Td (14.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 486.86 Td (14.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 486.86 Td (13.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 486.86 Td (1) Tj ET Q q 0 0 0 rg BT 551.75 486.86 Td (1.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 472.86 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 472.86 Td (otal Capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 84.61 476.94 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.75 472.85 Td (16.18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.25 472.86 Td (16.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 472.86 Td (16.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 472.86 Td (15.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 472.86 Td (12.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 458.86 Td (Supplementary Leverage ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 458.85 Td (6.41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.75 458.86 Td (6.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 458.86 Td (7.22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 458.86 Td (7.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 458.86 Td (5.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 444.86 Td (Citigroup common stockholders) Tj ET Q q 0 0 0 rg BT 156.32 444.86 Td ( equity to assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 213.56 448.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 444.85 Td (9.27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 444.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.75 444.86 Td (9.85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 444.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 444.86 Td (1) Tj ET Q q 0 0 0 rg BT 429.75 444.86 Td (1.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 444.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 444.86 Td (1) Tj ET Q q 0 0 0 rg BT 490.75 444.86 Td (1.85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.50 444.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 444.86 Td (10.84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 444.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 430.86 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 430.86 Td (otal Citigroup stockholders) Tj ET Q q 0 0 0 rg BT 143.19 430.86 Td ( equity to assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 200.43 434.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.75 430.85 Td (10.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.25 430.86 Td (10.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 430.86 Td (12.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 430.86 Td (12.82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 430.86 Td (1) Tj ET Q q 0 0 0 rg BT 551.75 430.86 Td (1.41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 416.86 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 116.98 420.94 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 416.85 Td (23.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 416.86 Td ( NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.25 416.86 Td (8.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.25 416.86 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 416.86 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 402.86 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 402.86 Td (otal payout ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 101.85 406.94 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.75 402.85 Td (109.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 402.86 Td ( NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 402.86 Td (77.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 402.86 Td (36.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 402.86 Td (19.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 388.86 Td (Book value per common share) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 147.97 392.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 388.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.75 388.85 Td (75.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 388.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.25 388.86 Td (70.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 388.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 388.86 Td (74.26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 388.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 388.86 Td (69.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 388.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 388.86 Td (66.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 374.86 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 374.86 Td (angible book value \(TBV\) per share) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 172.57 378.94 Td (\(1\)\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.75 374.85 Td (63.79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.25 374.86 Td (60.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 374.86 Td (64.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 374.86 Td (60.61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 374.86 Td (56.71) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 353.30 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 353.30 Td (2017 includes the one-time impact related to the enactment of ) Tj ET Q q 0 0 0 rg BT 253.79 353.30 Td (T) Tj ET Q q 0 0 0 rg BT 258.11 353.30 Td (ax Reform. 2018 reflects the tax rate structure under ) Tj ET Q q 0 0 0 rg BT 427.23 353.30 Td (T) Tj ET Q q 0 0 0 rg BT 431.56 353.30 Td (ax Reform. For additional information, see ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 343.70 Td (Significant ) Tj ET Q q 0 0 0 rg BT 94.21 343.70 Td (Accounting Policies and EstimatesIncome ) Tj ET Q q 0 0 0 rg BT 239.37 343.70 Td (T) Tj ET Q q 0 0 0 rg BT 243.70 343.70 Td (axes below) Tj ET Q q 0 0 0 rg BT 282.50 343.70 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 334.10 Td (See Note ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.10 334.10 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 89.10 334.10 Td ( to the Consolidated Financial Statements for additional information on Citi) Tj ET Q q 0 0 0 rg BT 333.51 334.10 Td (s discontinued operations.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 324.50 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 324.50 Td (The return on average common stockholders) Tj ET Q q 0 0 0 rg BT 198.91 324.50 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 553.99 324.50 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 314.90 Td (equity) Tj ET Q q 0 0 0 rg BT 73.48 314.90 Td (. ) Tj ET Q q 0 0 0 rg BT 77.33 314.90 Td (The return on average total Citigroup stockholders) Tj ET Q q 0 0 0 rg BT 241.13 314.90 Td ( equity is calculated using net income divided by average Citigroup stockholders) Tj ET Q q 0 0 0 rg BT 501.58 314.90 Td ( equity) Tj ET Q q 0 0 0 rg BT 523.06 314.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 305.30 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 305.30 Td (Citi) Tj ET Q q 0 0 0 rg BT 68.23 305.30 Td (s risk-based capital and leverage ratios for 2017 and prior years are non-GAAP) Tj ET Q q 0 0 0 rg BT 321.18 305.30 Td ( financial measures, which reflect full implementation of regulatory capital ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 295.70 Td (adjustments and deductions prior to the ef) Tj ET Q q 0 0 0 rg BT 188.05 295.70 Td (fective date of January 1, 2018.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 286.10 Td (As of December31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.42 286.10 Td (2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 136.42 286.10 Td ( and 2017, Citi) Tj ET Q q 0 0 0 rg BT 186.20 286.10 Td (s reportable Common Equity ) Tj ET Q q 0 0 0 rg BT 280.71 286.10 Td (T) Tj ET Q q 0 0 0 rg BT 285.31 286.10 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 340.26 286.10 Td (T) Tj ET Q q 0 0 0 rg BT 344.87 286.10 Td (ier 1 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 54.00 276.50 Td (Standardized ) Tj ET Q q 0 0 0 rg BT 97.32 276.50 Td (Approach, whereas the reportable ) Tj ET Q q 0 0 0 rg BT 207.13 276.50 Td (T) Tj ET Q q 0 0 0 rg BT 211.45 276.50 Td (otal Capital ratio was the lower derived under the Basel III ) Tj ET Q q 0 0 0 rg BT 400.95 276.50 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 434.93 276.50 Td (Approaches framework. For all prior ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 266.90 Td (periods presented, Citi) Tj ET Q q 0 0 0 rg BT 128.43 266.90 Td (s Common Equity ) Tj ET Q q 0 0 0 rg BT 188.51 266.90 Td (T) Tj ET Q q 0 0 0 rg BT 193.12 266.90 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 236.52 266.90 Td (T) Tj ET Q q 0 0 0 rg BT 241.12 266.90 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 296.07 266.90 Td (T) Tj ET Q q 0 0 0 rg BT 300.40 266.90 Td (otal Capital ratios were the lower derived under the Basel III ) Tj ET Q q 0 0 0 rg BT 496.11 266.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 530.09 266.90 Td (Approaches ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 257.30 Td (framework.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 247.70 Td (\(6\) ) Tj ET Q q 0 0 0 rg BT 54.00 247.70 Td (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 36.00 238.10 Td (\(7\) ) Tj ET Q q 0 0 0 rg BT 54.00 238.10 Td (T) Tj ET Q q 0 0 0 rg BT 58.33 238.10 Td (otal common dividends declared plus common stock repurchases as a percentage of net income available to common shareholders. See Consolidated Statement ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 228.50 Td (of Changes in Stockholders) Tj ET Q q 0 0 0 rg BT 144.28 228.50 Td ( Equity) Tj ET Q q 0 0 0 rg BT 167.09 228.50 Td (, Note 10 to the Consolidated Financial Statements and Equity Security Repurchases below for the component details. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 218.90 Td (\(8\) ) Tj ET Q q 0 0 0 rg BT 54.00 218.90 Td (For information on ) Tj ET Q q 0 0 0 rg BT 116.74 218.90 Td (TBV) Tj ET Q q 0 0 0 rg BT 131.71 218.90 Td (, see Capital ResourcesT) Tj ET Q q 0 0 0 rg BT 221.79 218.90 Td (angible Common Equity) Tj ET Q q 0 0 0 rg BT 299.93 218.90 Td (, Book ) Tj ET Q q 0 0 0 rg BT 323.12 218.90 Td (V) Tj ET Q q 0 0 0 rg BT 328.01 218.90 Td (alue Per Share, ) Tj ET Q q 0 0 0 rg BT 378.07 218.90 Td (T) Tj ET Q q 0 0 0 rg BT 382.39 218.90 Td (angible Book ) Tj ET Q q 0 0 0 rg BT 427.13 218.90 Td (V) Tj ET Q q 0 0 0 rg BT 432.02 218.90 Td (alue Per Share and Returns on Equity ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 209.30 Td (below) Tj ET Q q 0 0 0 rg BT 73.03 209.30 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 199.70 Td (NM Not meaningful) 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 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 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 /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 ( INCOME) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 682.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 682.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 682.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 682.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 682.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 682.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 654.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 654.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 654.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 654.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 654.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 654.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 626.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 626.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 626.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 626.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 626.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 626.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 598.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 598.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 598.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 598.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 598.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 598.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 570.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 570.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 570.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 570.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 570.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 570.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 542.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 542.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 542.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 542.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 542.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 542.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 514.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 514.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 514.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 514.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 514.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 514.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 486.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 486.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 486.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 486.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 486.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 486.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 458.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 458.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 458.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 458.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 458.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 458.40 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 35.5 682.4 m 270.5 682.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 682.4 m 331.5 682.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 682.4 m 392.5 682.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 682.4 m 453.5 682.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 682.4 m 514.5 682.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 682.4 m 575.5 682.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 612.4 m 270.5 612.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 612.4 m 331.5 612.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 612.4 m 392.5 612.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 598.4 m 270.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 598.4 m 331.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 598.4 m 392.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 612.4 m 453.5 612.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 598.4 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 453.5 612.4 m 514.5 612.4 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 514.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 612.4 m 575.5 612.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 598.4 m 575.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 528.4 m 270.5 528.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 528.4 m 331.5 528.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 528.4 m 392.5 528.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 528.4 m 453.5 528.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 528.4 m 514.5 528.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 528.4 m 575.5 528.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 514.4 m 270.5 514.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 514.4 m 331.5 514.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 514.4 m 392.5 514.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 514.4 m 453.5 514.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 514.4 m 514.5 514.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 514.4 m 575.5 514.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 500.4 m 270.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 500.4 m 331.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 500.4 m 392.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 500.4 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 453.5 500.4 m 514.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 500.4 m 575.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 486.4 m 270.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 486.4 m 331.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 486.4 m 392.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 486.4 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 453.5 486.4 m 514.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 486.4 m 575.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 486.4 m 270.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 486.4 m 331.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 486.4 m 392.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 486.4 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 35.5 458.4 m 270.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 458.4 m 331.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 458.4 m 392.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 458.4 m 453.5 458.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 444.4 m 270.5 444.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 458.4 m 331.5 458.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 444.4 m 331.5 444.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 444.4 m 392.5 444.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 458.4 m 453.5 458.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 444.4 m 453.5 444.4 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 514.5 458.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 444.4 m 514.5 444.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 458.4 m 575.5 458.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 444.4 m 575.5 444.4 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 686.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 686.85 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.05 686.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 367.05 690.94 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 686.86 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.10 695.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.95 686.85 Td (2018 vs. 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.85 695.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.95 686.86 Td (2017 vs. 2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 672.85 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 97.90 672.85 Td (om continuing operations) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 38.00 658.85 Td (Global Consumer Banking) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 644.85 Td (North ) Tj ET Q q 0 0 0 rg BT 61.17 644.85 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 644.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.40 644.85 Td (3,340) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 644.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.40 644.86 Td (1,990) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 644.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.40 644.86 Td (3,239) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 644.85 Td (68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 644.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 644.86 Td (\(39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 644.86 Td (\)%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 630.85 Td (Latin ) Tj ET Q q 0 0 0 rg BT 59.17 630.85 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.15 630.85 Td (928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.15 630.86 Td (610) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.15 630.86 Td (633) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 630.85 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 630.86 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 630.86 Td (\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 616.85 Td (Asia) Tj ET Q BT /F3 9.00 Tf ET BT /F3 5.85 Tf ET q 0 0 0 rg BT 54.00 620.93 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.40 616.85 Td (1,494) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.40 616.86 Td (1,278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.40 616.86 Td (1,059) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 616.85 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 616.86 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 602.85 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 602.85 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 602.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.40 602.85 Td (5,762) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 602.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.40 602.86 Td (3,878) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 602.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.40 602.86 Td (4,931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 602.85 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 602.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 602.86 Td (\(21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 602.86 Td (\)%) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 38.00 588.85 Td (Institutional Clients Group) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 574.85 Td (North ) Tj ET Q q 0 0 0 rg BT 61.17 574.85 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 574.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.40 574.85 Td (3,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 574.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.40 574.86 Td (2,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 574.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.40 574.86 Td (3,515) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 574.85 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 574.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 574.86 Td (\(33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 574.86 Td (\)%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 560.85 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.40 560.85 Td (3,891) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.40 560.86 Td (2,832) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.40 560.86 Td (2,345) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 560.85 Td (37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 560.86 Td (21) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 546.85 Td (Latin ) Tj ET Q q 0 0 0 rg BT 59.17 546.85 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.40 546.85 Td (1,889) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.40 546.86 Td (1,544) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.40 546.86 Td (1,454) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 546.85 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 546.86 Td (6) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 532.85 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.40 532.85 Td (2,920) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.40 532.86 Td (2,335) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.40 532.86 Td (2,21) Tj ET Q q 0 0 0 rg BT 445.15 532.86 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 532.85 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 532.86 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 518.85 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 518.85 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 518.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 518.85 Td (12,200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 518.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.40 518.86 Td (9,066) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 518.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.40 518.86 Td (9,525) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 518.85 Td (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 518.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 518.86 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 518.86 Td (\)%) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 38.00 504.85 Td (Corporate/Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 504.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.15 504.85 Td (126) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 504.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.90 504.86 Td (\(19,571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.65 504.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 504.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.15 504.86 Td (577) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 504.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 504.86 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 490.85 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 97.90 490.85 Td (om continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 490.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 490.85 Td (18,088) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 490.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.40 490.86 Td (\(6,627) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.65 490.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 490.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.90 490.86 Td (15,033) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 490.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 490.86 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 476.85 Td (Discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 476.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.15 476.85 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.65 476.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 476.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.15 476.86 Td (\(1) Tj ET Q q 0 0 0 rg BT 379.65 476.86 Td (1) Tj ET Q q 0 0 0 rg BT 384.15 476.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.65 476.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 476.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.65 476.86 Td (\(58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.65 476.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 476.85 Td (93) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 476.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 476.86 Td (\(91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 476.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 462.85 Td (Net income attributable to noncontr) Tj ET Q q 0 0 0 rg BT 176.40 462.85 Td (olling inter) Tj ET Q q 0 0 0 rg BT 218.49 462.85 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.65 462.85 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.65 462.86 Td (60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 462.86 Td (63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 462.85 Td (\(42) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 462.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 462.86 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 462.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 448.85 Td (Citigr) Tj ET Q q 0 0 0 rg BT 60.83 448.85 Td (oup) Tj ET Q q 0 0 0 rg BT 78.00 448.85 Td (s net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 448.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 448.85 Td (18,045) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 448.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.40 448.86 Td (\(6,798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.65 448.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 448.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.90 448.86 Td (14,912) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 448.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 448.86 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 425.70 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 425.70 Td (2017 includes the one-time impact related to the enactment of ) Tj ET Q q 0 0 0 rg BT 253.79 425.70 Td (T) Tj ET Q q 0 0 0 rg BT 258.11 425.70 Td (ax Reform. For additional information, see Significant ) Tj ET Q q 0 0 0 rg BT 437.41 425.70 Td (Accounting Policies and Estimates) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 416.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 79.84 416.10 Td (T) Tj ET Q q 0 0 0 rg BT 84.17 416.10 Td (axes below) Tj ET Q q 0 0 0 rg BT 122.97 416.10 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 406.50 Td (\(2\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 406.50 Td (Asia GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 86.22 406.50 Td ( includes the results of operations of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 204.20 406.50 Td (GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.20 406.50 Td ( activities in certain ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 285.06 406.50 Td (EMEA) Tj ET Q q 0 0 0 rg BT 306.24 406.50 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.24 406.50 Td (countries for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 396.90 Td (NM Not meaningful) 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 (12) Tj ET Q BT /F2 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 93.23 725.25 Td ( REVENUES) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 691.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 691.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 691.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 691.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 691.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 691.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 663.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 663.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 663.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 663.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 663.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 663.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 635.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 635.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 635.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 635.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 635.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 635.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 607.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 607.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 607.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 607.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 607.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 607.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 579.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 579.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 579.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 579.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 579.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 579.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 551.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 551.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 551.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 551.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 551.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 551.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 524.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 524.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 524.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 524.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 524.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 524.75 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 36.5 691.75 m 271.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 691.75 m 332.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 691.75 m 393.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 691.75 m 454.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 691.75 m 515.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 691.75 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 36.5 635.75 m 271.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 635.75 m 332.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 635.75 m 393.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 635.75 m 454.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 621.75 m 271.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 621.75 m 332.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 621.75 m 393.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 621.75 m 454.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 635.75 m 515.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 621.75 m 515.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 635.75 m 576.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 621.75 m 576.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 551.75 m 271.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 551.75 m 332.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 551.75 m 393.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 551.75 m 454.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 551.75 m 576.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 537.75 m 271.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 537.75 m 332.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 537.75 m 393.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 551.75 m 454.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 537.75 m 454.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 551.75 m 515.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 537.75 m 515.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 551.75 m 576.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 537.75 m 576.5 537.75 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 271.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 524.75 m 332.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 524.75 m 393.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 524.75 m 454.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 524.75 m 576.5 524.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 510.75 m 271.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 524.75 m 332.5 524.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 510.75 m 332.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 524.75 m 393.5 524.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 510.75 m 393.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 524.75 m 454.5 524.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 510.75 m 454.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 524.75 m 515.5 524.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 510.75 m 515.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 524.75 m 576.5 524.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 510.75 m 576.5 510.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 696.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 696.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 696.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 696.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.10 705.20 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.95 696.20 Td (2018 vs. 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.85 705.21 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.95 696.21 Td (2017 vs. 2016) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 682.20 Td (Global Consumer Banking) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 668.20 Td (North ) Tj ET Q q 0 0 0 rg BT 62.17 668.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 668.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.90 668.20 Td (20,544) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 668.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.90 668.21 Td (20,270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 668.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.90 668.21 Td (19,764) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 668.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 668.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 668.21 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 668.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 654.20 Td (Latin ) Tj ET Q q 0 0 0 rg BT 60.17 654.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.40 654.20 Td (5,760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 654.21 Td (5,222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.40 654.21 Td (4,971) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 654.20 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 654.21 Td (5) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 640.20 Td (Asia) Tj ET Q BT /F3 9.00 Tf ET BT /F3 5.85 Tf ET q 0 0 0 rg BT 55.00 644.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.40 640.20 Td (7,473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 640.21 Td (7,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.40 640.21 Td (6,889) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 640.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 640.21 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 626.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 626.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 626.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.90 626.20 Td (33,777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 626.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.90 626.21 Td (32,838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 626.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.90 626.21 Td (31,624) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 626.20 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 626.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 626.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 626.21 Td (%) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 612.20 Td (Institutional Clients Group) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 598.20 Td (North ) Tj ET Q q 0 0 0 rg BT 62.17 598.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 598.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.90 598.20 Td (12,914) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 598.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.90 598.21 Td (13,923) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 598.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.90 598.21 Td (12,767) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 598.20 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 598.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 598.21 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 598.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 584.20 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.90 584.20 Td (1) Tj ET Q q 0 0 0 rg BT 308.40 584.20 Td (1,770) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.90 584.21 Td (10,879) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.90 584.21 Td (10,012) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 584.20 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 584.21 Td (9) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 570.20 Td (Latin ) Tj ET Q q 0 0 0 rg BT 60.17 570.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.40 570.20 Td (4,504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 570.21 Td (4,385) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.40 570.21 Td (4,125) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 570.20 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 570.21 Td (6) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 556.20 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.40 556.20 Td (7,806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 556.21 Td (7,287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.40 556.21 Td (7,036) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 556.20 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 556.21 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 542.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 542.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 542.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.90 542.20 Td (36,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 542.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.90 542.21 Td (36,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 542.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.90 542.21 Td (33,940) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 542.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 542.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 542.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 542.21 Td (%) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 529.15 Td (Corporate/Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 529.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.40 529.15 Td (2,083) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 529.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 529.01 Td (3,132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 529.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.40 529.01 Td (5,233) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 529.15 Td (\(33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 529.15 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 529.01 Td (\(40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 529.01 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 515.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 515.20 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 83.75 515.20 Td (oup net r) Tj ET Q q 0 0 0 rg BT 118.59 515.20 Td (evenues) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 515.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.90 515.20 Td (72,854) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 515.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.90 515.21 Td (72,444) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 515.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.90 515.21 Td (70,797) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 515.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 515.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 515.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 515.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 489.65 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 489.65 Td (Asia GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 86.22 489.65 Td ( includes the results of operations of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 204.20 489.65 Td (GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.20 489.65 Td ( activities in certain ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 285.06 489.65 Td (EMEA) Tj ET Q q 0 0 0 rg BT 306.24 489.65 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.24 489.65 Td (countries for all periods presented.) 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 301.00 33.60 Td (13) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (SEGMENT) Tj ET Q q 0 0 0 rg BT 95.79 747.90 Td ( BALANCE SHEET) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 200.49 752.43 Td (\(1\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 652.40 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 652.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 652.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 652.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 652.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 652.40 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 624.40 180.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 624.40 69.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 624.40 69.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 624.40 69.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 624.40 69.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 624.40 84.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 588.40 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 588.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 588.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 588.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 588.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 588.40 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 551.40 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 551.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 551.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 551.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 551.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 551.40 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 523.40 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 523.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 523.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 523.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 523.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 523.40 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 495.40 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 495.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 495.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 495.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 495.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 495.40 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 459.40 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 459.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 459.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 459.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 459.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 459.40 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 431.40 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 431.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 431.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 431.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 431.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 431.40 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 403.40 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 403.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 403.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 403.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 403.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 403.40 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 375.40 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 375.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 375.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 375.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 375.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 375.40 84.00 -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 36.5 652.4 m 216.5 652.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 652.4 m 285.5 652.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 652.4 m 354.5 652.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 652.4 m 423.5 652.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 652.4 m 492.5 652.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 652.4 m 576.5 652.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 652.4 m 423.5 652.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 652.4 m 492.5 638.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 638.4 m 492.5 624.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 624.4 m 492.5 602.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 624.4 m 492.5 602.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 602.4 m 492.5 588.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 602.4 m 492.5 588.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 588.4 m 492.5 574.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 588.4 m 492.5 574.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 574.4 m 492.5 551.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 574.4 m 492.5 551.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 551.4 m 492.5 537.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 551.4 m 492.5 537.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 523.4 m 216.5 523.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 523.4 m 285.5 523.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 523.4 m 354.5 523.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 537.4 m 492.5 523.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 537.4 m 492.5 523.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 509.4 m 216.5 509.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 523.4 m 285.5 523.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 523.4 m 354.5 523.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 523.4 m 423.5 523.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 523.4 m 492.5 523.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 523.4 m 492.5 509.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 523.4 m 576.5 523.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 509.4 m 285.5 509.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 509.4 m 354.5 509.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 509.4 m 423.5 509.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 509.4 m 492.5 495.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 509.4 m 492.5 509.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 509.4 m 492.5 495.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 509.4 m 576.5 509.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 495.4 m 492.5 481.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 495.4 m 492.5 481.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 481.4 m 492.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 481.4 m 492.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 459.4 m 492.5 445.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 459.4 m 492.5 445.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 445.4 m 492.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 445.4 m 492.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 431.4 m 492.5 417.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 431.4 m 492.5 417.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 417.4 m 492.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 417.4 m 492.5 403.4 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 216.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 389.4 m 285.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 389.4 m 354.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 389.4 m 423.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 403.4 m 492.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 389.4 m 492.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 403.4 m 492.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 389.4 m 576.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 389.4 m 285.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 389.4 m 354.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 389.4 m 423.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 389.4 m 492.5 375.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 389.4 m 492.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 389.4 m 492.5 375.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 389.4 m 576.5 389.4 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 216.5 361.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 375.4 m 492.5 361.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 375.4 m 492.5 361.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 347.4 m 216.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 361.4 m 285.5 361.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 347.4 m 285.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 361.4 m 354.5 361.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 347.4 m 354.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 361.4 m 423.5 361.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 347.4 m 423.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 361.4 m 492.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 361.4 m 492.5 361.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 347.4 m 492.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 361.4 m 492.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 361.4 m 576.5 361.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 347.4 m 576.5 347.4 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 656.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.45 674.85 Td (Global) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.55 665.85 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.20 656.85 Td (Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.70 674.85 Td (Institutional) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 665.85 Td (Clients) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.80 656.85 Td (Gr) Tj ET Q q 0 0 0 rg BT 317.63 656.85 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.25 692.85 Td (Corporate/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.05 683.85 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.20 674.85 Td (and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.95 665.85 Td (consolidating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.55 656.85 Td (eliminations) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 408.55 660.93 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.80 719.85 Td (Citigr) Tj ET Q q 0 0 0 rg BT 461.63 719.85 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.80 710.85 Td (par) Tj ET Q q 0 0 0 rg BT 458.14 710.85 Td (ent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 701.85 Td (company-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.70 692.85 Td (issued) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 683.85 Td (long-term) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.60 674.85 Td (debt and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.05 665.85 Td (stockholders) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.05 656.85 Td (equity) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 466.05 660.93 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.15 674.85 Td (T) Tj ET Q q 0 0 0 rg BT 529.33 674.85 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.30 665.85 Td (Citigr) Tj ET Q q 0 0 0 rg BT 538.13 665.85 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.95 656.85 Td (consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 642.85 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.00 642.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 642.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 642.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 642.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 642.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 628.86 Td (Cash and deposits with banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.00 628.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.75 628.85 Td (8,338) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 628.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.25 628.85 Td (66,963) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 628.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.75 628.85 Td (1) Tj ET Q q 0 0 0 rg BT 395.25 628.85 Td (12,804) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 628.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 628.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 628.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 628.85 Td (188,105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 615.66 Td (Federal funds sold and securities borrowed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 606.66 Td (and purchased under agreements to resell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 606.85 Td (140) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.75 606.85 Td (270,322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 606.85 Td (222) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 606.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 606.85 Td (270,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 592.86 Td (T) Tj ET Q q 0 0 0 rg BT 50.34 592.86 Td (rading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 592.85 Td (949) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.75 592.85 Td (245,521) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.75 592.85 Td (9,647) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 592.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 592.85 Td (256,1) Tj ET Q q 0 0 0 rg BT 564.00 592.85 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 578.86 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.75 578.85 Td (1,152) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.75 578.85 Td (1) Tj ET Q q 0 0 0 rg BT 326.25 578.85 Td (16,006) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.75 578.85 Td (241,449) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 578.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 578.85 Td (358,607) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 564.86 Td (Loans, net of unearned income and allowance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 555.86 Td (for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.75 555.85 Td (305,631) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.75 555.85 Td (351,333) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 555.85 Td (14,917) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 555.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 555.85 Td (671,881) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 541.86 Td (Other assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.25 541.85 Td (37,551) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.25 541.85 Td (99,638) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 541.85 Td (34,800) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 541.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 541.85 Td (171,989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 527.86 Td (Net inter) Tj ET Q q 0 0 0 rg BT 76.56 527.86 Td (-segment liquid assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 156.05 531.94 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.25 527.85 Td (78,378) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.75 527.85 Td (244,387) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.75 527.85 Td (\(322,765) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.00 527.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 527.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 527.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 513.85 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 513.85 Td (otal assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.00 513.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.75 513.85 Td (432,139) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 513.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.00 513.85 Td (1,394,170) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 513.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 513.85 Td (91,074) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 513.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 513.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 513.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.00 513.85 Td (1,917,383) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 499.85 Td (Liabilities and equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.00 499.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 499.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 499.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 499.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 485.86 Td (T) Tj ET Q q 0 0 0 rg BT 50.18 485.86 Td (otal deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.00 485.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.75 485.85 Td (308,106) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 485.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.75 485.85 Td (689,983) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 485.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 485.85 Td (15,081) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 485.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 485.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 485.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.00 485.85 Td (1,013,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 472.66 Td (Federal funds purchased and securities loaned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 463.66 Td (and sold under agreements to repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.75 463.85 Td (4,459) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.75 463.85 Td (173,302) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 463.85 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 463.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 463.85 Td (177,768) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 449.86 Td (T) Tj ET Q q 0 0 0 rg BT 50.34 449.86 Td (rading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 449.85 Td (140) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.75 449.85 Td (143,751) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 449.85 Td (414) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 449.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 449.85 Td (144,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 435.86 Td (Short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 435.85 Td (491) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.25 435.85 Td (22,381) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.75 435.85 Td (9,474) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 435.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 435.85 Td (32,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 421.86 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 101.23 425.94 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.75 421.85 Td (1,865) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.25 421.85 Td (42,557) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 421.85 Td (43,809) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 421.85 Td (143,768) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 421.85 Td (231,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 407.86 Td (Other liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.25 407.85 Td (18,854) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.25 407.85 Td (88,036) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 407.85 Td (13,831) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 407.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 407.85 Td (120,721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 393.86 Td (Net inter) Tj ET Q q 0 0 0 rg BT 76.56 393.86 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 175.03 397.94 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.25 393.85 Td (98,224) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.75 393.85 Td (234,160) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.75 393.85 Td (7,604) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 393.85 Td (\(339,988) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 393.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 393.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 379.85 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 379.85 Td (otal liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.00 379.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.75 379.85 Td (432,139) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 379.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.00 379.85 Td (1,394,170) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 379.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 379.85 Td (90,220) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 379.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 379.85 Td (\(196,220) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 379.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 379.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.00 379.85 Td (1,720,309) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 365.85 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 365.85 Td (otal stockholders) Tj ET Q q 0 0 0 rg BT 111.76 365.85 Td ( equity) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 138.01 369.93 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 365.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.00 365.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 365.85 Td (854) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 365.85 Td (196,220) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 365.85 Td (197,074) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 351.85 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 351.85 Td (otal liabilities and equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.00 351.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.75 351.85 Td (432,139) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 351.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.00 351.85 Td (1,394,170) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 351.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 351.85 Td (91,074) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 351.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 351.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 351.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.00 351.85 Td (1,917,383) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 326.30 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 326.30 Td (The supplemental information presented in the table above reflects Citigroup) Tj ET Q q 0 0 0 rg BT 302.59 326.30 Td (s consolidated GAAP) Tj ET Q q 0 0 0 rg BT 371.62 326.30 Td ( balance sheet by reporting segment as of December31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 552.66 326.30 Td (2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 568.66 326.30 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 316.70 Td (The respective segment information depicts the assets and liabilities managed by each segment as of such date. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 307.10 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 307.10 Td (Consolidating eliminations for total Citigroup and Citigroup parent company assets and liabilities are recorded within ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 432.37 307.10 Td (Corporate/Other) Tj ET Q q 0 0 0 rg BT 485.70 307.10 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 297.50 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 297.50 Td (The total stockholders) Tj ET Q q 0 0 0 rg BT 127.16 297.50 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 54.00 287.90 Td (allocates stockholders) Tj ET Q q 0 0 0 rg BT 126.49 287.90 Td ( equity and long-term debt to its businesses through inter) Tj ET Q q 0 0 0 rg BT 308.30 287.90 Td (-segment allocations as shown above.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 278.30 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 278.30 Td (Represents the attribution of Citigroup) Tj ET Q q 0 0 0 rg BT 179.76 278.30 Td (s liquidity assets \(primarily consisting of cash, marketable equity securities and available-for) Tj ET Q q 0 0 0 rg BT 476.40 278.30 Td (-sale debt securities\) to the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 268.70 Td (various businesses based on Liquidity Coverage Ratio \(LCR\) assumptions.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 259.10 Td (\(5\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 259.10 Td (Corporate/Other ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 110.22 259.10 Td (equity represents noncontrolling interests.) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (14) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (GLOBAL) Tj ET Q q 0 0 0 rg BT 86.68 747.90 Td ( CONSUMER BANKING) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 727.90 Td (Global Consumer Banking \(GCB\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.88 727.90 Td (consists of consumer banking businesses in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 350.97 727.90 Td (North ) Tj ET Q q 0 0 0 rg BT 376.63 727.90 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.51 727.90 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 415.51 727.90 Td (Latin ) Tj ET Q q 0 0 0 rg BT 438.94 727.90 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.82 727.90 Td ( \(consisting of Citi) Tj ET Q q 0 0 0 rg BT 550.32 727.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 715.90 Td (consumer banking business in Mexico\) and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 212.08 715.90 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.86 715.90 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 234.86 715.90 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.86 715.90 Td ( provides traditional banking services to retail customers through retail banking, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (including commercial banking, and Citi-branded cards and Citi retail services \(for additional information on these businesses, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (Citigroup Segments above and Managing Global RiskConsumer Credit below\). ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 384.27 691.90 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.27 691.90 Td ( is focused on its priority markets in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 679.90 Td (U.S., Mexico and ) Tj ET Q q 0 0 0 rg BT 108.22 679.90 Td (Asia with 2,410 branches in 19 countries and jurisdictions as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.42 679.90 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.42 679.90 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 448.42 679.90 Td (Asia GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.70 679.90 Td ( also includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 667.90 Td (traditional retail banking and Citi-branded card products that are provided to retail customers in certain ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 450.58 667.90 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.24 667.90 Td ( countries. ) Tj ET Q q 0 0 0 rg BT 520.84 667.90 Td (At December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 655.90 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.00 655.90 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 655.90 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 76.00 655.90 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 655.90 Td ( had approximately $432 billion in assets and $308billion in deposits.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 643.90 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 643.90 Td () Tj ET Q q 0 0 0 rg BT 76.78 643.90 Td (s overall strategy is to leverage Citi) Tj ET Q q 0 0 0 rg BT 221.18 643.90 Td (s global footprint and be the pre-eminent bank for the emer) Tj ET Q q 0 0 0 rg BT 457.59 643.90 Td (ging af) Tj ET Q q 0 0 0 rg BT 485.46 643.90 Td (fluent and af) Tj ET Q q 0 0 0 rg BT 535.81 643.90 Td (fluent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 631.90 Td (consumers in lar) Tj ET Q q 0 0 0 rg BT 101.91 631.90 Td (ge urban centers. In credit cards and in certain retail markets \(including commercial banking\), Citi serves customers in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 619.90 Td (a somewhat broader set of segments and geographies.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 574.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 574.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 574.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 574.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 574.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 574.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 546.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 546.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 546.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 546.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 546.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 546.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 518.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 518.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 518.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 518.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 518.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 518.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 490.40 235.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 490.40 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 490.40 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 490.40 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 490.40 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 490.40 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 461.40 235.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 461.40 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 461.40 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 461.40 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 461.40 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 461.40 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 425.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 425.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 425.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 425.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 425.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 425.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 397.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 397.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 397.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 397.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 397.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 397.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 369.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 369.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 369.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 369.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 369.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 369.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 341.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 341.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 341.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 341.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 341.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 341.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 313.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 313.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 313.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 313.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 313.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 313.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 285.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 285.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 285.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 285.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 285.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 285.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 257.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 257.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 257.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 257.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 257.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 257.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 229.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 229.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 229.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 229.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 229.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 229.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 201.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 201.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 201.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 201.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 201.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 201.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 173.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 173.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 173.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 173.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 173.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 173.40 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 35.5 574.4 m 270.5 574.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 574.4 m 331.5 574.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 574.4 m 392.5 574.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 574.4 m 453.5 574.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 574.4 m 514.5 574.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 574.4 m 575.5 574.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 574.4 m 331.5 574.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 546.4 m 270.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 546.4 m 331.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 546.4 m 392.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 546.4 m 453.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 546.4 m 575.5 546.4 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 270.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 546.4 m 331.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 532.4 m 331.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 546.4 m 392.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 532.4 m 392.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 546.4 m 453.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 532.4 m 453.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 546.4 m 514.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 546.4 m 575.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 532.4 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 35.5 518.4 m 270.5 518.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 532.4 m 331.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 518.4 m 331.5 518.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 532.4 m 392.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 518.4 m 392.5 518.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 532.4 m 453.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 518.4 m 453.5 518.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 532.4 m 514.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 518.4 m 514.5 518.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 518.4 m 575.5 518.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 461.4 m 270.5 461.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 461.4 m 331.5 461.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 461.4 m 392.5 461.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 461.4 m 453.5 461.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 461.4 m 575.5 461.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 439.4 m 270.5 439.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 461.4 m 331.5 461.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 439.4 m 331.5 439.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 461.4 m 392.5 461.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 439.4 m 392.5 439.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 461.4 m 453.5 461.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 439.4 m 453.5 439.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 461.4 m 514.5 461.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 439.4 m 514.5 439.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 461.4 m 575.5 461.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 439.4 m 575.5 439.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 439.4 m 331.5 439.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 439.4 m 392.5 439.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 439.4 m 453.5 439.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 439.4 m 575.5 439.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 411.4 m 270.5 411.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 411.4 m 331.5 411.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 411.4 m 392.5 411.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 411.4 m 453.5 411.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 411.4 m 514.5 411.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 411.4 m 575.5 411.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 411.4 m 331.5 411.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 411.4 m 392.5 411.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 411.4 m 453.5 411.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 411.4 m 575.5 411.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 383.4 m 270.5 383.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 383.4 m 331.5 383.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 383.4 m 392.5 383.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 383.4 m 453.5 383.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 383.4 m 575.5 383.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 369.4 m 270.5 369.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 383.4 m 331.5 383.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 369.4 m 331.5 369.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 383.4 m 392.5 383.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 369.4 m 392.5 369.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 383.4 m 453.5 383.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 369.4 m 453.5 369.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 383.4 m 514.5 383.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 369.4 m 514.5 369.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 383.4 m 575.5 383.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 369.4 m 575.5 369.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 271.4 m 270.5 271.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 271.4 m 331.5 271.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 271.4 m 392.5 271.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 271.4 m 453.5 271.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 271.4 m 514.5 271.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 271.4 m 575.5 271.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 229.39999999999998 m 270.5 229.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 229.39999999999998 m 331.5 229.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 229.39999999999998 m 392.5 229.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 229.39999999999998 m 453.5 229.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 229.39999999999998 m 514.5 229.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 229.39999999999998 m 575.5 229.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 215.39999999999998 m 270.5 215.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 229.39999999999998 m 331.5 229.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 215.39999999999998 m 331.5 215.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 229.39999999999998 m 392.5 229.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 215.39999999999998 m 392.5 215.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 229.39999999999998 m 453.5 229.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 215.39999999999998 m 453.5 215.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 215.39999999999998 m 514.5 215.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 229.39999999999998 m 575.5 229.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 215.39999999999998 m 575.5 215.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 173.39999999999998 m 270.5 173.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 173.39999999999998 m 331.5 173.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 173.39999999999998 m 392.5 173.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 173.39999999999998 m 453.5 173.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 173.39999999999998 m 575.5 173.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 173.39999999999998 m 270.5 173.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 159.39999999999998 m 270.5 159.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 173.39999999999998 m 331.5 173.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 159.39999999999998 m 331.5 159.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 173.39999999999998 m 392.5 173.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 159.39999999999998 m 392.5 159.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 173.39999999999998 m 453.5 173.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 159.39999999999998 m 453.5 159.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 173.39999999999998 m 514.5 173.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 159.39999999999998 m 514.5 159.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 173.39999999999998 m 575.5 173.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 159.39999999999998 m 575.5 159.39999999999998 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 578.65 Td (In millions of dollars, except as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 578.85 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 578.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 578.86 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.10 587.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.95 578.85 Td (2018 vs. 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.85 587.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.95 578.86 Td (2017 vs. 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 564.86 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 564.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 564.85 Td (28,583) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 564.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 564.86 Td (27,425) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 564.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 564.86 Td (26,232) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 564.85 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 564.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 564.86 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 564.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 550.86 Td (Non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 550.85 Td (5,194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 550.86 Td (5,413) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 550.86 Td (5,392) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 550.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 550.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 550.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 536.85 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 536.85 Td (otal r) Tj ET Q q 0 0 0 rg BT 63.84 536.85 Td (evenues, net of inter) Tj ET Q q 0 0 0 rg BT 140.66 536.85 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 536.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 536.85 Td (33,777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 536.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 536.86 Td (32,838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 536.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 536.86 Td (31,624) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 536.85 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 536.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 536.86 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 536.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 522.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 522.86 Td (otal operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 522.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 522.85 Td (18,590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 522.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 522.86 Td (18,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 522.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 522.86 Td (17,627) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 522.85 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 522.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 522.86 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 522.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 508.86 Td (Net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 508.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 508.85 Td (6,920) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 508.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 508.86 Td (6,562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 508.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 508.86 Td (5,610) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 508.85 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 508.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 508.86 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 508.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 494.86 Td (Credit reserve build \(release\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 494.85 Td (563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 494.86 Td (965) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 494.86 Td (708) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 494.85 Td (\(42) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 494.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 494.86 Td (36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 479.86 Td (Provision \(release\) for unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 479.85 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 479.86 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 479.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 479.86 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 479.85 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 479.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 465.86 Td (Provision for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 465.85 Td (103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 465.86 Td (1) Tj ET Q q 0 0 0 rg BT 375.50 465.86 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 465.86 Td (106) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 465.85 Td (\(1) Tj ET Q q 0 0 0 rg BT 497.50 465.85 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 465.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 465.86 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 452.66 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 38.00 443.66 Td ( \(LLR & PBC\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 443.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 443.85 Td (7,586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 443.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 443.86 Td (7,641) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 443.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 443.86 Td (6,427) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 443.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 443.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 443.86 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 443.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 429.86 Td (Income from continuing operations before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 429.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 429.85 Td (7,601) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 429.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 429.86 Td (7,194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 429.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 429.86 Td (7,570) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 429.85 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 429.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 429.86 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 429.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 415.86 Td (Income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 415.85 Td (1,839) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 415.86 Td (3,316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 415.86 Td (2,639) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 415.85 Td (\(45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 415.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 415.86 Td (26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 401.85 Td (Income fr) Tj ET Q q 0 0 0 rg BT 75.65 401.85 Td (om continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 401.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 401.85 Td (5,762) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 401.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 401.86 Td (3,878) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 401.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 401.86 Td (4,931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 401.85 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 401.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 401.86 Td (\(21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 401.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 387.86 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 387.85 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 387.86 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 387.86 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 387.85 Td (\(22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 387.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 387.86 Td (29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 373.85 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 373.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 373.85 Td (5,755) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 373.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 373.86 Td (3,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 373.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 373.86 Td (4,924) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 373.85 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 373.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 373.86 Td (\(21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 373.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 359.85 Td (Balance Sheet data and ratios ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 154.25 359.85 Td (\(in billions of dollars\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 345.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 345.86 Td (otal EOP) Tj ET Q q 0 0 0 rg BT 75.45 345.86 Td ( assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 345.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 345.85 Td (432) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 345.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 345.86 Td (428) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 345.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 345.86 Td (41) Tj ET Q q 0 0 0 rg BT 441.00 345.86 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 345.85 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 345.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 345.86 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 345.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 331.86 Td (A) Tj ET Q q 0 0 0 rg BT 44.17 331.86 Td (verage assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 331.85 Td (423) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 331.86 Td (417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 331.86 Td (395) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 331.85 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 331.86 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 317.86 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 317.85 Td (1.36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 317.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.75 317.86 Td (0.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 317.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 317.86 Td (1.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 317.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 303.86 Td (Ef) Tj ET Q q 0 0 0 rg BT 46.41 303.86 Td (ficiency ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 303.85 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 303.86 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 303.86 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 289.86 Td (A) Tj ET Q q 0 0 0 rg BT 44.17 289.86 Td (verage deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 289.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 289.85 Td (307) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 289.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 289.86 Td (306) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 289.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 289.86 Td (298) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 289.85 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 289.86 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 275.86 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 306.25 275.85 Td (2.26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 275.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.75 275.86 Td (2.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 275.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 275.86 Td (2.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 275.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 261.85 Td (Revenue by business) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.00 247.86 Td (Retail banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 247.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 247.85 Td (14,065) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 247.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 247.86 Td (13,481) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 247.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 247.86 Td (12,990) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 247.85 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 247.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 247.86 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 247.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.00 233.86 Td (Cards) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 237.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 233.85 Td (19,712) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 233.86 Td (19,357) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 233.86 Td (18,634) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 233.85 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 233.86 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 219.85 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 219.85 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 219.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 219.85 Td (33,777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 219.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 219.86 Td (32,838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 219.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 219.86 Td (31,624) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 219.85 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 219.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 219.86 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 219.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 205.85 Td (Income fr) Tj ET Q q 0 0 0 rg BT 75.65 205.85 Td (om continuing operations by business) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.00 191.86 Td (Retail banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 191.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 191.85 Td (2,304) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 191.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 191.86 Td (1,656) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 191.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 191.86 Td (1,538) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 191.85 Td (39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 191.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 191.86 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 191.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.00 177.86 Td (Cards) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 181.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 177.85 Td (3,458) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 177.86 Td (2,222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 177.86 Td (3,393) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 177.85 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 177.86 Td (\(35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 177.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 163.85 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 163.85 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 163.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 163.85 Td (5,762) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 163.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 163.86 Td (3,878) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 163.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 163.86 Td (4,931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 163.85 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 163.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 163.86 Td (\(21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 163.86 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.90 137.90 Td (T) Tj ET Q q 0 0 0 rg BT 203.31 137.90 Td (able continues on the next page, including footnotes.) 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Tf ET q 0 0 0 rg BT 313.00 731.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.90 731.96 Td (32,838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 731.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.90 731.96 Td (31,624) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 731.95 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 731.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 731.96 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 731.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 717.96 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 136.73 722.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.65 717.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.15 717.96 Td (\(132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.65 717.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.65 717.96 Td (\(54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.65 717.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 703.96 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 703.96 Td (otal revenuesex-FX) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 123.59 708.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 703.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.90 703.95 Td (33,777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 703.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.90 703.96 Td (32,706) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 703.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.90 703.96 Td (31,570) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 703.95 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 703.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 703.96 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 703.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 689.96 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 689.96 Td (otal operating expensesas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 689.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.90 689.95 Td (18,590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 689.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.90 689.96 Td (18,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 689.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.90 689.96 Td (17,627) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 689.95 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 689.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 689.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 689.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 675.96 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 136.73 680.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.65 675.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.65 675.96 Td (\(54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.65 675.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.15 675.96 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 661.96 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 661.96 Td (otal operating expensesex-FX) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 160.34 666.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 661.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.90 661.95 Td (18,590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 661.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.90 661.96 Td (17,949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 661.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.90 661.96 Td (17,634) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 661.95 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 661.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 661.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 661.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 647.96 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 647.96 Td (otal provisions for LLR & PBCas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 647.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.40 647.95 Td (7,586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 647.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.40 647.96 Td (7,641) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 647.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.40 647.96 Td (6,427) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 647.95 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 647.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 647.96 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 647.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 633.96 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 136.73 638.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.65 633.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.65 633.96 Td (\(32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.65 633.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.65 633.96 Td (\(31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.65 633.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 619.96 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 619.96 Td (otal provisions for LLR & PBCex-FX) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 189.62 624.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 619.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.40 619.95 Td (7,586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 619.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.40 619.96 Td (7,609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 619.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.40 619.96 Td (6,396) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 619.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 619.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 619.96 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 619.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 605.96 Td (Net incomeas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 605.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.40 605.95 Td (5,755) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 605.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.40 605.96 Td (3,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 605.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.40 605.96 Td (4,924) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 605.95 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 605.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 605.96 Td (\(21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 605.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 591.96 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 136.73 596.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.65 591.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.65 591.96 Td (\(28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.65 591.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.65 591.96 Td (\(19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.65 591.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 577.96 Td (Net incomeex-FX) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 112.73 582.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 577.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.40 577.95 Td (5,755) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 577.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.40 577.96 Td (3,841) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 577.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.40 577.96 Td (4,905) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 577.95 Td (50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 577.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 577.96 Td (\(22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 577.96 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 554.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 554.40 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 36.00 544.80 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 544.80 Td (Reflects the impact of FX translation into U.S. dollars at the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.41 544.80 Td (2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.41 544.80 Td ( average exchange rates for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 535.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 535.25 Td (Presentation of this metric excluding FX translation is a non-GAAP) Tj ET Q q 0 0 0 rg BT 270.78 535.25 Td ( financial measure. ) 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 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, Citi-branded cards products 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 441.45 715.90 Td (North ) Tj ET Q q 0 0 0 rg BT 467.11 715.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.49 715.90 Td () Tj ET Q q 0 0 0 rg BT 526.27 715.90 Td (s U.S. cards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (product portfolio includes its proprietary portfolio \(including the Citi Double Cash, ) Tj ET Q q 0 0 0 rg BT 371.32 703.90 Td (Thank ) Tj ET Q q 0 0 0 rg BT 398.99 703.90 Td (Y) Tj ET Q q 0 0 0 rg BT 405.21 703.90 Td (ou and ) Tj ET Q q 0 0 0 rg BT 434.47 703.90 Td (V) Tj ET Q q 0 0 0 rg BT 440.58 703.90 Td (alue cards\) and co-branded cards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (\(including, among others, ) Tj ET Q q 0 0 0 rg BT 140.71 691.90 Td (American ) Tj ET Q q 0 0 0 rg BT 182.08 691.90 Td (Airlines and Costco\) within Citi-branded cards, as well as its co-brand and private label ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 679.90 Td (relationships \(including, among others, Sears, ) Tj ET Q q 0 0 0 rg BT 221.34 679.90 Td (The Home Depot, Best Buy and Macy) Tj ET Q q 0 0 0 rg BT 377.70 679.90 Td (s\) 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, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.03 667.90 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.03 667.90 Td (, ) 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 689 retail bank branches were 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 357.77 655.90 Td (Also as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.40 655.90 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.40 655.90 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 484.40 655.90 Td (North ) Tj ET Q q 0 0 0 rg BT 510.06 655.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 566.44 655.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 643.90 Td (had approximately 9.1million retail banking customer accounts, $56.8 billion in retail banking loans and $181.2billion in deposits. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 631.90 Td (addition, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 73.77 631.90 Td (North ) Tj ET Q q 0 0 0 rg BT 99.43 631.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.81 631.90 Td ( had approximately 121million Citi-branded and Citi retail services credit card accounts with $144.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 619.90 Td (billion in outstanding card loan balances.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 585.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 585.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 585.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 585.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 585.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 585.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 557.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 557.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 557.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 557.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 557.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 557.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 529.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 529.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 529.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 529.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 529.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 529.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 501.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 501.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 501.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 501.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 501.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 501.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 473.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 473.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 473.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 473.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 473.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 473.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 445.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 445.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 445.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 445.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 445.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 445.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 417.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 417.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 417.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 417.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 417.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 417.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 389.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 389.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 389.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 389.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 389.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 389.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 361.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 361.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 361.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 361.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 361.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 361.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 333.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 333.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 333.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 333.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 333.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 333.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 305.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 305.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 305.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 305.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 305.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 305.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 277.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 277.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 277.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 277.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 277.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 277.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 249.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 249.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 249.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 249.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 249.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 249.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 221.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 221.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 221.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 221.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 221.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 221.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 193.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 193.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 193.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 193.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 193.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 193.40 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 35.5 585.4 m 270.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 585.4 m 331.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 585.4 m 392.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 585.4 m 453.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 585.4 m 514.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 585.4 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 270.5 585.4 m 331.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 585.4 m 392.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 585.4 m 453.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 585.4 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 270.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 557.4 m 331.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 557.4 m 392.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 557.4 m 453.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 557.4 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 270.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 557.4 m 514.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 557.4 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 514.5 543.4 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 270.5 529.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 543.4 m 331.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 543.4 m 392.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 529.4 m 392.5 529.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 543.4 m 453.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 529.4 m 453.5 529.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 543.4 m 514.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 529.4 m 514.5 529.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 543.4 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 514.5 529.4 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 270.5 529.4 m 331.5 529.4 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 270.5 473.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 473.4 m 331.5 473.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 473.4 m 392.5 473.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 473.4 m 453.5 473.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 473.4 m 514.5 473.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 473.4 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 270.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 459.4 m 331.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 459.4 m 392.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 459.4 m 453.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 459.4 m 514.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 459.4 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 270.5 459.4 m 331.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 459.4 m 392.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 459.4 m 453.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 459.4 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 270.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 431.4 m 331.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 431.4 m 392.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 431.4 m 453.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 431.4 m 514.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 431.4 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 514.5 431.4 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 270.5 403.4 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 270.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 403.4 m 331.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 389.4 m 331.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 403.4 m 392.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 389.4 m 392.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 403.4 m 453.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 389.4 m 453.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 403.4 m 514.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 389.4 m 514.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 403.4 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 514.5 389.4 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 270.5 305.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 305.4 m 331.5 305.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 305.4 m 392.5 305.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 305.4 m 453.5 305.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 305.4 m 514.5 305.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 305.4 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 270.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 249.39999999999998 m 331.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 249.39999999999998 m 392.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 249.39999999999998 m 453.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 249.39999999999998 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 270.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 249.39999999999998 m 331.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 235.39999999999998 m 331.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 249.39999999999998 m 392.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 235.39999999999998 m 392.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 249.39999999999998 m 453.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 235.39999999999998 m 453.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 249.39999999999998 m 514.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 235.39999999999998 m 514.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 249.39999999999998 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 514.5 235.39999999999998 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 270.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 179.39999999999998 m 331.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 179.39999999999998 m 392.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 179.39999999999998 m 453.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 179.39999999999998 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 270.5 165.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 179.39999999999998 m 331.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 165.39999999999998 m 331.5 165.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 179.39999999999998 m 392.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 165.39999999999998 m 392.5 165.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 179.39999999999998 m 453.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 165.39999999999998 m 453.5 165.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 179.39999999999998 m 514.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 165.39999999999998 m 514.5 165.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 179.39999999999998 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 514.5 165.39999999999998 m 575.5 165.39999999999998 l s 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 291.50 589.85 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 589.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 589.86 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.10 598.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.95 589.85 Td (2018 vs. 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.85 598.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.95 589.86 Td (2017 vs. 2016) 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 273.00 575.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 575.85 Td (19,621) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 575.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 575.86 Td (18,879) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 575.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 575.86 Td (18,131) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 575.85 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 575.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 575.86 Td (4) 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 308.50 561.85 Td (923) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 561.86 Td (1,391) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 561.86 Td (1,633) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 561.85 Td (\(34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 561.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 561.86 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 561.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 547.85 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 547.85 Td (otal r) Tj ET Q q 0 0 0 rg BT 63.84 547.85 Td (evenues, net of inter) Tj ET Q q 0 0 0 rg BT 140.66 547.85 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 547.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 547.85 Td (20,544) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 547.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 547.86 Td (20,270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 547.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 547.86 Td (19,764) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 547.85 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 547.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 547.86 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 547.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 533.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 533.86 Td (otal operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 533.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 533.85 Td (10,631) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 533.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 533.86 Td (10,245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 533.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 533.86 Td (10,067) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 533.85 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 533.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 533.86 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 533.86 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 273.00 519.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 519.85 Td (5,097) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 519.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 519.86 Td (4,796) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 519.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 519.86 Td (3,919) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 519.85 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 519.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 519.86 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 519.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 505.86 Td (Credit reserve build) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 505.85 Td (438) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 505.86 Td (869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 505.86 Td (653) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 505.85 Td (\(50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 505.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 505.86 Td (33) 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 313.00 491.85 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 491.86 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 491.86 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.50 491.85 Td (\(100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 491.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 491.86 Td (\(33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 491.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 477.86 Td (Provision for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 477.85 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 477.86 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 477.86 Td (34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 477.85 Td (\(33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 477.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 477.86 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 477.86 Td (\)) 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 273.00 463.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 463.85 Td (5,557) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 463.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 463.86 Td (5,702) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 463.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 463.86 Td (4,612) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 463.85 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 463.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 463.86 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 463.86 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 273.00 449.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 449.85 Td (4,356) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 449.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 449.86 Td (4,323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 449.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 449.86 Td (5,085) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 449.85 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 449.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 449.86 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 449.86 Td (\)%) 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 301.75 435.85 Td (1,016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 435.86 Td (2,333) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 435.86 Td (1,846) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 435.85 Td (\(56) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 435.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 435.86 Td (26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 421.85 Td (Income fr) Tj ET Q q 0 0 0 rg BT 75.65 421.85 Td (om continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 421.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 421.85 Td (3,340) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 421.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 421.86 Td (1,990) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 421.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 421.86 Td (3,239) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 421.85 Td (68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 421.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 421.86 Td (\(39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 421.86 Td (\)%) 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 313.00 407.85 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 407.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 407.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 407.86 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 407.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 407.85 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 407.86 Td (50) 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 273.00 393.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 393.85 Td (3,340) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 393.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 393.86 Td (1,991) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 393.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 393.86 Td (3,241) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 393.85 Td (68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 393.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 393.86 Td (\(39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 393.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 379.85 Td (Balance Sheet data and ratios ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 156.50 379.85 Td (\(in billions of dollars\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 379.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 379.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 365.86 Td (A) Tj ET Q q 0 0 0 rg BT 44.17 365.86 Td (verage assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 365.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 365.85 Td (249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 365.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 365.86 Td (248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 365.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 365.86 Td (229) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 365.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 365.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 365.86 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 365.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 351.86 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 351.85 Td (1.34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 351.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.75 351.86 Td (0.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 351.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 351.86 Td (1.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 351.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 337.86 Td (Ef) Tj ET Q q 0 0 0 rg BT 46.41 337.86 Td (ficiency ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 337.85 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 337.86 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 337.86 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 323.86 Td (A) Tj ET Q q 0 0 0 rg BT 44.17 323.86 Td (verage deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 323.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 323.85 Td (180.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 323.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 323.86 Td (184.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 323.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 323.86 Td (183.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 323.85 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 323.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 323.86 Td () 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 306.25 309.85 Td (2.66) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 309.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.75 309.86 Td (2.58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 309.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 309.86 Td (2.29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 309.86 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 389.00 295.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 295.86 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 273.00 281.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 281.85 Td (5,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 281.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 281.86 Td (5,264) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 281.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 281.86 Td (5,227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 281.85 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 281.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 281.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 281.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 267.86 Td (Citi-branded cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 267.85 Td (8,628) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 267.86 Td (8,579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 267.86 Td (8,150) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 267.85 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 267.86 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 253.86 Td (Citi retail services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 253.85 Td (6,601) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 253.86 Td (6,427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 253.86 Td (6,387) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 253.85 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 253.86 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 239.85 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 239.85 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 239.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 239.85 Td (20,544) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 239.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 239.86 Td (20,270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 239.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 239.86 Td (19,764) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 239.85 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 239.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 239.86 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 239.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 225.85 Td (Income fr) Tj ET Q q 0 0 0 rg BT 75.65 225.85 Td (om continuing operations by business) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 225.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 225.86 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 273.00 211.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 211.85 Td (565) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 211.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 211.86 Td (412) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 211.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 211.86 Td (534) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 211.85 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 211.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 211.86 Td (\(23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 211.86 Td (\)%) 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 301.75 197.85 Td (1,581) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 197.86 Td (1,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 197.86 Td (1,441) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 197.85 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 197.86 Td (\(30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 197.86 Td (\)) 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 301.75 183.85 Td (1,194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 183.86 Td (569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 183.86 Td (1,264) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 183.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 183.86 Td (\(55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 183.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 169.85 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 169.85 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 169.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 169.85 Td (3,340) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 169.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 169.86 Td (1,990) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 169.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 169.86 Td (3,239) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 169.85 Td (68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 169.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 169.86 Td (\(39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 169.86 Td (\)%) 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 35 0 obj <> endobj 36 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 (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.00 749.25 Td ( vs. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.39 749.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 92.39 749.25 Td ( ) 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 ( increased 68%, lar) Tj ET Q q 0 0 0 rg BT 157.71 737.25 Td (gely reflecting the impact of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td ($750 million one-time, non-cash char) Tj ET Q q 0 0 0 rg BT 186.06 725.25 Td (ge recorded in the tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (line due to the impact of ) Tj ET Q q 0 0 0 rg BT 135.79 713.25 Td (T) Tj ET Q q 0 0 0 rg BT 141.20 713.25 Td (ax Reform in 2017 \(for additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (information, see Significant ) Tj ET Q q 0 0 0 rg BT 153.75 701.25 Td (Accounting Policies and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (Significant EstimatesIncome ) Tj ET Q q 0 0 0 rg BT 163.57 689.25 Td (T) Tj ET Q q 0 0 0 rg BT 168.98 689.25 Td (axes below\). Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (one-time impact of ) Tj ET Q q 0 0 0 rg BT 114.40 677.25 Td (T) Tj ET Q q 0 0 0 rg BT 119.81 677.25 Td (ax Reform, net income increased 22%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (driven primarily by a lower ef) Tj ET Q q 0 0 0 rg BT 156.05 665.25 Td (fective tax rate due to ) Tj ET Q q 0 0 0 rg BT 244.99 665.25 Td (T) Tj ET Q q 0 0 0 rg BT 250.40 665.25 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (Reform, higher revenues and lower cost of credit, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 641.25 Td (fset by higher expenses.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 629.25 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 629.25 Td ( increased 1%, driven by higher revenues across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (all businesses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 605.25 Td (Retail banking revenues increased 1%. Excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (mortgage revenues \(decline of 27%\), retail banking revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (were up 6%, driven by continued growth in deposit mar) Tj ET Q q 0 0 0 rg BT 259.10 581.25 Td (gins, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 569.25 Td (fset by lower deposit volumes. ) Tj ET Q q 0 0 0 rg BT 204.40 569.25 Td (A) Tj ET Q q 0 0 0 rg BT 210.88 569.25 Td (verage deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (decreased 2% year) Tj ET Q q 0 0 0 rg BT 110.75 557.25 Td (-over) Tj ET Q q 0 0 0 rg BT 131.65 557.25 Td (-year) Tj ET Q q 0 0 0 rg BT 151.79 557.25 Td (, primarily driven by a reduction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (in money market balances, as clients transferred money to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (investments. ) Tj ET Q q 0 0 0 rg BT 88.22 533.25 Td (Assets under management were lar) Tj ET Q q 0 0 0 rg BT 227.99 533.25 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (unchanged from the prior year as 5% underlying growth was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 509.25 Td (fset by the impact of market movements, due to the equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (market sell-of) Tj ET Q q 0 0 0 rg BT 91.63 497.25 Td (f at the end of 2018. ) Tj ET Q q 0 0 0 rg BT 174.48 497.25 Td (The decline in mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (revenues was driven by lower origination activity and higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (cost of funds, reflecting the higher interest rate environment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 461.25 Td (Cards revenues increased 1%. In Citi-branded cards, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (revenues increased 1%, as growth in interest-earning balances, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (driven by maturity of recent vintages and strength in loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (balance retention, was lar) Tj ET Q q 0 0 0 rg BT 137.99 425.25 Td (gely of) Tj ET Q q 0 0 0 rg BT 165.86 425.25 Td (fset by the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (previously disclosed partnership terms that went into ef) Tj ET Q q 0 0 0 rg BT 257.71 413.25 Td (fect in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (2018. Citi sold its Hilton portfolio in the first quarter of 2018, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (which resulted in a gain of approximately $150 million. ) Tj ET Q q 0 0 0 rg BT 261.33 389.25 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (gain was of) Tj ET Q q 0 0 0 rg BT 81.92 377.25 Td (fset by the loss of operating revenue in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (portfolio in 2018. ) Tj ET Q q 0 0 0 rg BT 108.22 365.25 Td (A) Tj ET Q q 0 0 0 rg BT 114.70 365.25 Td (verage loans increased 4% and purchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (sales increased 8%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 341.25 Td (Citi retail services revenues increased 3%, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (reflecting or) Tj ET Q q 0 0 0 rg BT 84.96 329.25 Td (ganic loan growth and the benefit of the L.L.Bean ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (portfolio acquisition in June 2018, partially of) Tj ET Q q 0 0 0 rg BT 219.96 317.25 Td (fset by higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (partner payments. ) Tj ET Q q 0 0 0 rg BT 109.59 305.25 Td (A) Tj ET Q q 0 0 0 rg BT 116.07 305.25 Td (verage loans increased 6% and purchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (sales increased 7%. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 281.25 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.21 281.25 Td ( increased 4%, as volume growth and ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (investments were partially of) Tj ET Q q 0 0 0 rg BT 152.17 269.25 Td (fset by ef) Tj ET Q q 0 0 0 rg BT 189.20 269.25 Td (ficiency savings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 257.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 63.63 257.25 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.41 257.25 Td ( decreased 3% from the prior year) Tj ET Q q 0 0 0 rg BT 232.05 257.25 Td (, driven by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (lower net loan loss reserve build, partially of) Tj ET Q q 0 0 0 rg BT 214.66 245.25 Td (fset by higher net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (credit losses. ) Tj ET Q q 0 0 0 rg BT 89.97 233.25 Td (The net loan loss reserve build was $438 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (in 2018, primarily reflecting volume growth and seasoning in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (both cards portfolios. ) Tj ET Q q 0 0 0 rg BT 123.58 209.25 Td (This compares to a build of $873 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (in the prior year) Tj ET Q q 0 0 0 rg BT 99.74 197.25 Td (, which included $300 million related to an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (increase in net flow rates in later delinquency buckets in Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (retail services and a slight increase in delinquencies for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (Citi-branded cards portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 149.25 Td (Net credit losses increased 6% to $5.1 billion, driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (higher net credit losses in both Citi-branded cards \(up 6% to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td ($2.6 billion\) and Citi retail services \(up 9% to $2.4 billion\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.25 Td (The increase in the cards net credit losses primarily reflected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 Td (volume growth and seasoning in both portfolios. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 89.25 Td (For additional information on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 175.09 89.25 Td (North ) Tj ET Q q 0 0 0 rg BT 200.75 89.25 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.13 89.25 Td () Tj ET Q q 0 0 0 rg BT 259.91 89.25 Td (s retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.25 Td (banking, including commercial banking, and its Citi-branded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (cards and Citi retail services portfolios, see Credit Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.25 Td (Consumer Credit below) Tj ET Q q 0 0 0 rg BT 135.33 53.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (As part of its Citi retail services business, Citi issues co-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (brand and private label credit card products with Sears. ) Tj ET Q q 0 0 0 rg BT 546.70 737.10 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (previously disclosed, in October 2018, Sears filed for Chapter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (1) Tj ET Q q 0 0 0 rg BT 328.63 713.10 Td (1 bankruptcy protection and in connection with the filing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Sears has closed, or announced plans to close, additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (stores. On February 1) Tj ET Q q 0 0 0 rg BT 410.28 689.10 Td (1, 2019, after bankruptcy court approval, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (ESL) Tj ET Q q 0 0 0 rg BT 341.41 677.10 Td ( Investments, Inc. purchased substantially all of Sears) Tj ET Q q 0 0 0 rg BT 558.66 677.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (assets on a going concern basis, including its credit card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (program agreement with Citi. ) Tj ET Q q 0 0 0 rg BT 444.62 653.10 Td (The impact to Citi retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (services, from reduced new account acquisitions or lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (purchase sales, will depend in part on the magnitude and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (timing of additional Sears store closures and continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (customer attrition. Citi does not currently expect that the sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (of Sears to ESL) Tj ET Q q 0 0 0 rg BT 386.68 593.10 Td ( will have an immediate or ongoing material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (impact on Citi) Tj ET Q q 0 0 0 rg BT 384.00 581.10 Td (s consolidated results. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (information on the potential impact from a deterioration in or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (failure to maintain Citi) Tj ET Q q 0 0 0 rg BT 418.15 557.10 Td (s co-branding and private label credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (card relationships, see Risk FactorsStrategic Risks below) Tj ET Q q 0 0 0 rg BT 570.80 545.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 523.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 344.00 523.10 Td ( vs. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.39 523.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.39 523.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 511.10 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.26 511.10 Td ( decreased 39% lar) Tj ET Q q 0 0 0 rg BT 444.87 511.10 Td (gely due to the one-time impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.65 499.10 Td (T) Tj ET Q q 0 0 0 rg BT 340.06 499.10 Td (ax Reform. Excluding the one-time impact of ) Tj ET Q q 0 0 0 rg BT 524.27 499.10 Td (T) Tj ET Q q 0 0 0 rg BT 529.68 499.10 Td (ax Reform, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 487.10 Td (net income decreased 15%, due to higher cost of credit and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 475.10 Td (higher expenses, partially of) Tj ET Q q 0 0 0 rg BT 437.12 475.10 Td (fset by higher revenues.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 463.10 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.75 463.10 Td ( increased 3%, driven by higher revenues across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 451.10 Td (all businesses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 439.10 Td (Retail banking revenues increased 1%. Excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 427.10 Td (mortgage revenues \(down 32%\), retail banking revenues were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 415.10 Td (up 9%, driven by growth in checking deposits, loans \(average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 403.10 Td (loans up 3%\) and assets under management \(up 14%\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 391.10 Td (increased commercial banking activity) Tj ET Q q 0 0 0 rg BT 478.01 391.10 Td (, as well as a benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 379.10 Td (from higher interest rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 367.10 Td (Cards revenues increased 3%. In Citi-branded cards, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 355.10 Td (revenues increased 5%, primarily reflecting the acquisition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 343.10 Td (the Costco portfolio, as well as modest growth in interest-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 331.10 Td (earning balances, partially of) Tj ET Q q 0 0 0 rg BT 439.88 331.10 Td (fset by the continued run-of) Tj ET Q q 0 0 0 rg BT 550.78 331.10 Td (f of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 319.10 Td (non-core portfolios and the higher cost to fund growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 307.10 Td (transactor and promotional balances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 295.10 Td (Citi retail services revenues increased 1%, as loan growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 283.10 Td (was partially of) Tj ET Q q 0 0 0 rg BT 386.02 283.10 Td (fset by the impact of the renewal and extension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 271.10 Td (of certain partnerships within the portfolio, as well as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 259.10 Td (absence of gains on sales of two cards portfolios in 2016. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 247.10 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.21 247.10 Td ( increased 2%, driven by the addition of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 235.10 Td (Costco portfolio, higher volume-related expenses and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 223.10 Td (investments as well as remediation costs related to a CARD ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 211.10 Td (Act matter) Tj ET Q q 0 0 0 rg BT 366.08 211.10 Td (, partially of) Tj ET Q q 0 0 0 rg BT 415.05 211.10 Td (fset by ef) Tj ET Q q 0 0 0 rg BT 452.08 211.10 Td (ficiency savings. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 199.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 351.63 199.10 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.41 199.10 Td ( increased 24%, driven by higher net credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 187.10 Td (losses and a higher net loan loss reserve build.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 175.10 Td (Net credit losses increased 22%, lar) Tj ET Q q 0 0 0 rg BT 484.54 175.10 Td (gely driven by higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 163.10 Td (net credit losses in both cards portfolios, primarily reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 151.10 Td (volume growth and seasoning, as well as the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 139.10 Td (acquiring the Costco portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 127.10 Td (The net loan loss reserve build was $873 million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 115.10 Td (compared to a build of $659 million in the prior year) Tj ET Q q 0 0 0 rg BT 534.66 115.10 Td (, driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 103.10 Td (by volume growth and seasoning in both cards portfolios, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 91.10 Td (well as the increase in net flow rates in later delinquency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 79.10 Td (buckets, primarily in Citi retail services.) 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 (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 in Mexico through Citibanamex, one of Mexico) Tj ET Q q 0 0 0 rg BT 406.21 715.90 Td (s lar) Tj ET Q q 0 0 0 rg BT 422.97 715.90 Td (gest banks. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 703.90 Td (At December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.08 703.90 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.08 703.90 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 150.08 703.90 Td (Latin ) Tj ET Q q 0 0 0 rg BT 173.52 703.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.90 703.90 Td ( had 1,463 retail branches in Mexico, with approximately 29.4million retail banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (customer accounts, $19.7 billion in retail banking loans and $27.7billion in deposits. In addition, the business had approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 679.90 Td (5.6million Citi-branded card accounts with $5.7 billion in outstanding loan balances.) 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1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 607.4 m 454.5 607.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 594.4 m 454.5 594.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 594.4 m 515.5 594.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 607.4 m 576.5 607.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 594.4 m 576.5 594.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 542.4 m 271.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 519.4 m 271.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 542.4 m 332.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 519.4 m 332.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 542.4 m 393.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 519.4 m 393.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 542.4 m 454.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 519.4 m 454.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 542.4 m 515.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 519.4 m 515.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 542.4 m 576.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 519.4 m 576.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 519.4 m 332.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 519.4 m 393.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 519.4 m 454.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 519.4 m 576.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 493.4 m 271.5 493.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 493.4 m 393.5 493.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 493.4 m 454.5 493.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 493.4 m 576.5 493.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 493.4 m 332.5 493.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 493.4 m 393.5 493.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 493.4 m 454.5 493.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 493.4 m 515.5 493.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 493.4 m 576.5 493.4 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 271.5 467.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 467.4 m 515.5 467.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 454.4 m 271.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 467.4 m 332.5 467.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 454.4 m 332.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 467.4 m 393.5 467.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 454.4 m 393.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 467.4 m 454.5 467.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 454.4 m 454.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 454.4 m 515.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 467.4 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 515.5 454.4 m 576.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 454.4 m 271.5 454.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 376.4 m 271.5 376.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 376.4 m 332.5 376.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 376.4 m 393.5 376.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 376.4 m 454.5 376.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 376.4 m 515.5 376.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 376.4 m 576.5 376.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 337.4 m 271.5 337.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 324.4 m 271.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 337.4 m 332.5 337.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 324.4 m 332.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 337.4 m 393.5 337.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 324.4 m 393.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 337.4 m 454.5 337.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 324.4 m 454.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 337.4 m 515.5 337.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 324.4 m 515.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 337.4 m 576.5 337.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 324.4 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 36.5 285.4 m 271.5 285.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 272.4 m 271.5 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 285.4 m 332.5 285.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 272.4 m 332.5 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 285.4 m 393.5 285.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 272.4 m 393.5 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 285.4 m 454.5 285.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 272.4 m 454.5 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 285.4 m 515.5 285.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 272.4 m 515.5 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 285.4 m 576.5 285.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 272.4 m 576.5 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 233.39999999999998 m 271.5 233.39999999999998 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 271.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 233.39999999999998 m 332.5 233.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 220.39999999999998 m 332.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 233.39999999999998 m 393.5 233.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 220.39999999999998 m 393.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 233.39999999999998 m 454.5 233.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 220.39999999999998 m 454.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 233.39999999999998 m 515.5 233.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 220.39999999999998 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 515.5 233.39999999999998 m 576.5 233.39999999999998 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 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 271.5 220.39999999999998 m 332.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 220.39999999999998 m 393.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 220.39999999999998 m 454.5 220.39999999999998 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 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 36.5 194.39999999999998 m 271.5 194.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 181.39999999999998 m 271.5 181.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 194.39999999999998 m 332.5 194.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 181.39999999999998 m 332.5 181.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 194.39999999999998 m 393.5 194.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 181.39999999999998 m 393.5 181.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 194.39999999999998 m 454.5 194.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 181.39999999999998 m 454.5 181.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 194.39999999999998 m 515.5 194.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 181.39999999999998 m 515.5 181.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 194.39999999999998 m 576.5 194.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 181.39999999999998 m 576.5 181.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 181.39999999999998 m 332.5 181.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 181.39999999999998 m 393.5 181.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 181.39999999999998 m 454.5 181.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 181.39999999999998 m 576.5 181.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 155.39999999999998 m 271.5 155.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 142.39999999999998 m 271.5 142.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 155.39999999999998 m 332.5 155.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 142.39999999999998 m 332.5 142.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 155.39999999999998 m 393.5 155.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 142.39999999999998 m 393.5 142.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 155.39999999999998 m 454.5 155.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 142.39999999999998 m 454.5 142.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 155.39999999999998 m 515.5 155.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 142.39999999999998 m 515.5 142.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 155.39999999999998 m 576.5 155.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 142.39999999999998 m 576.5 142.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 142.39999999999998 m 332.5 142.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 142.39999999999998 m 393.5 142.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 142.39999999999998 m 454.5 142.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 142.39999999999998 m 576.5 142.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 116.39999999999998 m 271.5 116.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 116.39999999999998 m 332.5 116.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 116.39999999999998 m 393.5 116.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 116.39999999999998 m 454.5 116.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 116.39999999999998 m 576.5 116.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 103.39999999999998 m 271.5 103.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 116.39999999999998 m 332.5 116.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 103.39999999999998 m 332.5 103.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 116.39999999999998 m 393.5 116.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 103.39999999999998 m 393.5 103.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 116.39999999999998 m 454.5 116.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 103.39999999999998 m 454.5 103.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 116.39999999999998 m 515.5 116.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 103.39999999999998 m 515.5 103.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 116.39999999999998 m 576.5 116.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 103.39999999999998 m 576.5 103.39999999999998 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 650.65 Td (In millions of dollars, except as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 650.85 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 650.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 650.86 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.10 659.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.95 650.85 Td (2018 vs. 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.85 659.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.95 650.86 Td (2017 vs. 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 637.66 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 637.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 637.80 Td (4,058) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 637.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 637.66 Td (3,844) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 637.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 637.66 Td (3,606) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 637.80 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 637.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 637.66 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 637.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 624.66 Td (Non-interest revenue) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 114.72 628.74 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 624.80 Td (1,702) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 624.66 Td (1,378) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 624.66 Td (1,365) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 624.80 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 624.66 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 611.80 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 611.80 Td (otal r) Tj ET Q q 0 0 0 rg BT 64.84 611.80 Td (evenues, net of inter) Tj ET Q q 0 0 0 rg BT 141.66 611.80 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 611.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 611.80 Td (5,760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 611.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 611.66 Td (5,222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 611.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 611.66 Td (4,971) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 611.80 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 611.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 611.66 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 611.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 598.66 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 598.66 Td (otal operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 598.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 598.80 Td (3,156) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 598.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 598.66 Td (2,959) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 598.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 598.66 Td (2,885) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 598.80 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 598.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 598.66 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 598.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 585.66 Td (Net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 585.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 585.80 Td (1,153) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 585.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 585.66 Td (1,1) Tj ET Q q 0 0 0 rg BT 376.50 585.66 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 585.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 585.66 Td (1,040) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 585.80 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 585.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 585.66 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 585.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 572.66 Td (Credit reserve build) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 572.80 Td (83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 572.66 Td (125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 572.66 Td (83) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 572.80 Td (\(34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 572.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 572.66 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 559.66 Td (Provision \(release\) for unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 559.80 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 559.66 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 559.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 559.66 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 559.80 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.45 559.66 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 546.66 Td (Provision for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 546.80 Td (81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 546.66 Td (83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 546.66 Td (72) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 546.80 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 546.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 546.66 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 532.86 Td (Provisions for credit losses and for benefits and claims \(LLR &) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 523.86 Td (PBC\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 523.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 523.85 Td (1,317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 523.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 523.86 Td (1,324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 523.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 523.86 Td (1,196) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 523.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 523.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 523.86 Td (1) Tj ET Q q 0 0 0 rg BT 561.00 523.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 523.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 510.66 Td (Income from continuing operations before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 510.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 510.80 Td (1,287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 510.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 510.66 Td (939) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 510.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 510.66 Td (890) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 510.80 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 510.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 510.66 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 510.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 497.66 Td (Income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 497.80 Td (359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 497.66 Td (329) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 497.66 Td (257) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 497.80 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 497.66 Td (28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 484.80 Td (Income fr) Tj ET Q q 0 0 0 rg BT 76.65 484.80 Td (om continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 484.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 484.80 Td (928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 484.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 484.66 Td (610) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 484.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 484.66 Td (633) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 484.80 Td (52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 484.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 484.66 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 484.66 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 471.66 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 471.80 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 471.66 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 471.66 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 471.80 Td (\(100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 471.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 471.66 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 458.80 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 458.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 458.80 Td (928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 458.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 458.66 Td (605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 458.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 458.66 Td (628) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 458.80 Td (53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 458.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 458.66 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 458.66 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 445.80 Td (Balance Sheet data and ratios ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 155.25 445.80 Td (\(in billions of dollars\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.00 445.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 445.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 432.66 Td (A) Tj ET Q q 0 0 0 rg BT 45.17 432.66 Td (verage assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 432.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 432.80 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 432.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 432.66 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 432.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 432.66 Td (47) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 432.80 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 432.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 432.66 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 432.66 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 419.66 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 419.80 Td (2.1) Tj ET Q q 0 0 0 rg BT 318.50 419.80 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 419.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 419.66 Td (1.34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 419.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 419.66 Td (1.34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 419.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 406.66 Td (Ef) Tj ET Q q 0 0 0 rg BT 47.41 406.66 Td (ficiency ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 406.80 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 406.66 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 406.66 Td (58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 393.66 Td (A) Tj ET Q q 0 0 0 rg BT 45.17 393.66 Td (verage deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 393.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 393.80 Td (28.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 393.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 393.66 Td (27.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 393.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 393.66 Td (25.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 393.80 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 393.66 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 380.66 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 307.25 380.80 Td (4.47) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 380.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 380.66 Td (4.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 380.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 380.66 Td (4.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 380.66 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 367.80 Td (Revenue by business) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 354.66 Td (Retail banking) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 91.74 358.74 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 354.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 354.80 Td (4,195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 354.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 354.66 Td (3,752) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 354.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 354.66 Td (3,493) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 354.80 Td (12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 354.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 354.66 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 354.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 341.66 Td (Citi-branded cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 341.80 Td (1,565) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 341.66 Td (1,470) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 341.66 Td (1,478) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 341.80 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 341.66 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 341.66 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 328.80 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 328.80 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 328.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 328.80 Td (5,760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 328.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 328.66 Td (5,222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 328.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 328.66 Td (4,971) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 328.80 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 328.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 328.66 Td (5) 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 (Income fr) Tj ET Q q 0 0 0 rg BT 76.65 315.80 Td (om continuing operations by business) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.00 315.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 315.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 302.66 Td (Retail banking) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 91.74 306.74 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 302.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 302.80 Td (722) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 302.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 302.66 Td (426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 302.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 302.66 Td (352) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 302.80 Td (69) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 302.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 302.66 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 302.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 289.66 Td (Citi-branded cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 289.80 Td (206) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 289.66 Td (184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 289.66 Td (281) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 289.80 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 289.66 Td (\(35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 289.66 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 276.80 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 276.80 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 276.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 276.80 Td (928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 276.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 276.66 Td (610) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 276.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 276.66 Td (633) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 276.80 Td (52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 276.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 276.66 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 276.66 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 263.80 Td (FX translation impact) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.00 263.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 263.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 250.66 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 250.66 Td (otal revenuesas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 250.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 250.80 Td (5,760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 250.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 250.66 Td (5,222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 250.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 250.66 Td (4,971) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 250.80 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 250.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 250.66 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 250.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 237.66 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 136.73 241.74 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 237.80 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 237.66 Td (\(105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 237.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 237.66 Td (\(145) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 237.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 224.66 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 224.66 Td (otal revenuesex-FX) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 123.59 228.74 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 224.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 224.80 Td (5,760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 224.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 224.66 Td (5,1) Tj ET Q q 0 0 0 rg BT 376.50 224.66 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 224.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 224.66 Td (4,826) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 224.80 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 224.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 224.66 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 224.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 211.66 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 211.66 Td (otal operating expensesas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 211.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 211.80 Td (3,156) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 211.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 211.66 Td (2,959) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 211.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 211.66 Td (2,885) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 211.80 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 211.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 211.66 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 211.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 198.66 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 136.73 202.74 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 198.80 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 198.66 Td (\(50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 198.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 198.66 Td (\(66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 198.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 185.66 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 185.66 Td (otal operating expensesex-FX) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 160.34 189.74 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 185.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 185.80 Td (3,156) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 185.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 185.66 Td (2,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 185.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 185.66 Td (2,819) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 185.80 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 185.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 185.66 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 185.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 172.66 Td (Provisions for LLR & PBCas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 172.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 172.80 Td (1,317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 172.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 172.66 Td (1,324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 172.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 172.66 Td (1,196) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 172.80 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 172.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 172.66 Td (1) Tj ET Q q 0 0 0 rg BT 561.00 172.66 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 172.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 159.66 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 136.73 163.74 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 159.80 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 159.66 Td (\(27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 159.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 159.66 Td (\(34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 159.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 146.66 Td (Provisions for LLR & PBCex-FX) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 169.51 150.74 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 146.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 146.80 Td (1,317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 146.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 146.66 Td (1,297) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 146.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 146.66 Td (1,162) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 146.80 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 146.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 146.66 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 146.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 133.66 Td (Net incomeas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 133.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 133.80 Td (928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 133.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 133.66 Td (605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 133.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 133.66 Td (628) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 133.80 Td (53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 133.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 133.66 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 133.66 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 120.66 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 136.73 124.74 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 120.80 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 120.66 Td (\(19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 120.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 120.66 Td (\(30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 120.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 107.66 Td (Net incomeex-FX) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 112.73 111.74 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 107.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 107.80 Td (928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 107.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 107.66 Td (586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 107.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 107.66 Td (598) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 107.80 Td (58) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 107.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 107.66 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 107.66 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 86.30 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 86.30 Td (2018 includes an approximate $250 million gain on the sale of an asset management business. See Note 2 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 76.70 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 76.70 Td (Reflects the impact of FX translation into U.S. dollars at the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.41 76.70 Td (2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.41 76.70 Td ( average exchange rates for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 67.10 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 67.10 Td (Presentation of this metric excluding FX translation is a non-GAAP) Tj ET Q q 0 0 0 rg BT 270.78 67.10 Td ( financial measure.) 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 (19) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (The discussion of the r) Tj ET Q q 0 0 0 rg BT 126.19 737.10 Td (esults of operations for Latin ) Tj ET Q q 0 0 0 rg BT 244.63 737.10 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 36.00 725.10 Td (pr) Tj ET Q q 0 0 0 rg BT 44.52 725.10 Td (esented. Pr) Tj ET Q q 0 0 0 rg BT 89.13 725.10 Td (esentations of the r) Tj ET Q q 0 0 0 rg BT 165.15 725.10 Td (esults of operations, excluding the impact of FX translation, ar) Tj ET Q q 0 0 0 rg BT 416.70 725.10 Td (e non-GAAP) Tj ET Q q 0 0 0 rg BT 467.33 725.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 536.96 725.10 Td (es. For a ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (r) Tj ET Q q 0 0 0 rg BT 39.52 713.10 Td (econciliation of certain of these metrics to the r) Tj ET Q q 0 0 0 rg BT 229.11 713.10 Td (eported r) Tj ET Q q 0 0 0 rg BT 265.68 713.10 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 (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.00 689.10 Td ( vs. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.39 689.10 Td (2017) 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 83.76 677.10 Td (increased 58% to $928 million, reflecting higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (revenues and a lower ef) Tj ET Q q 0 0 0 rg BT 130.77 665.10 Td (fective tax rate as a result of ) Tj ET Q q 0 0 0 rg BT 245.81 665.10 Td (T) Tj ET Q q 0 0 0 rg BT 251.22 665.10 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (Reform, partially of) Tj ET Q q 0 0 0 rg BT 115.52 653.10 Td (fset by higher expenses and cost of credit.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 641.10 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 641.10 Td ( increased 13%, including the gain on sale of an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (asset management business \(approximately $250 million\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (Excluding the gain on sale, revenues) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 182.62 617.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.12 617.10 Td (were up 8%, driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (increases in both retail banking and cards.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 593.10 Td (Retail banking revenues increased 14%. Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (gain on sale, retail banking revenues increased 7%, driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (continued growth across commercial loans and deposits, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (well as improved deposit spreads due to higher interest rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (A) Tj ET Q q 0 0 0 rg BT 42.48 545.10 Td (verage loans grew 3%, and average deposits grew 6%, while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (assets under management declined 5%, primarily driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (market performance during the second half of 2018. Cards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (revenues increased 9%, due to continued volume growth, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (reflecting higher purchase sales \(up 1) Tj ET Q q 0 0 0 rg BT 185.29 497.10 Td (1%\) and full-rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (revolving loans. ) Tj ET Q q 0 0 0 rg BT 102.38 485.10 Td (A) Tj ET Q q 0 0 0 rg BT 108.86 485.10 Td (verage cards loans grew 6%. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 473.10 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.21 473.10 Td ( increased 8%, driven by volume growth, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (ongoing investment spending and higher repositioning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (char) Tj ET Q q 0 0 0 rg BT 53.03 449.10 Td (ges, partially of) Tj ET Q q 0 0 0 rg BT 115.33 449.10 Td (fset by ef) Tj ET Q q 0 0 0 rg BT 152.35 449.10 Td (ficiency savings. ) Tj ET Q q 0 0 0 rg BT 221.50 449.10 Td (As previously ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (disclosed, Citi continues to execute on its investment plans for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (Citibanamex \(totaling more than $1 billion through 2020\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (including initiatives to modernize the branch network, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (enhance digital capabilities and upgrade core operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (platforms.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 377.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.63 377.10 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.41 377.10 Td ( increased 2%, as higher net credit losses were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (lar) Tj ET Q q 0 0 0 rg BT 46.37 365.10 Td (gely of) Tj ET Q q 0 0 0 rg BT 74.23 365.10 Td (fset by a lower net loan loss reserve build. ) Tj ET Q q 0 0 0 rg BT 245.12 365.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (increase in net credit losses was primarily due to volume ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (growth and seasoning in cards. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 329.10 Td (For additional information on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 171.09 329.10 Td (Latin) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.21 329.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 194.71 329.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.09 329.10 Td () Tj ET Q q 0 0 0 rg BT 253.87 329.10 Td (s retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (banking, including commercial banking, and its Citi-branded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (cards portfolios, see Credit RiskConsumer Credit below) Tj ET Q q 0 0 0 rg BT 278.36 305.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 293.10 Td (For additional information on potential macroeconomic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (and geopolitical challenges and other risks facing ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 236.21 281.10 Td (Latin) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.38 269.10 Td (, see Risk FactorsStrategic Risks below) Tj ET Q q 0 0 0 rg BT 268.36 269.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 344.00 689.10 Td ( vs. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.39 689.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.39 689.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.26 677.10 Td ( decreased 2%, primarily driven by higher credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (costs and expenses, partially of) Tj ET Q q 0 0 0 rg BT 448.51 665.10 Td (fset by higher revenues.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 653.10 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.75 653.10 Td ( increased 6%, driven by higher revenues in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (retail banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 629.10 Td (Retail banking revenues increased 8%, reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (continued growth in volumes, including increases in average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (deposits \(8%\), average loans \(6%\) and assets under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (management \(4%\), as well as improved deposit spreads, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (driven by higher interest rates. Cards revenues were lar) Tj ET Q q 0 0 0 rg BT 544.57 581.10 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (unchanged, as continued improvement in full-rate revolving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (loans was of) Tj ET Q q 0 0 0 rg BT 373.81 557.10 Td (fset by a higher cost to fund non-revolving loans. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 545.10 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.21 545.10 Td ( increased 3%, as ongoing investment spending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (and business growth were partially of) Tj ET Q q 0 0 0 rg BT 474.06 533.10 Td (fset by ef) Tj ET Q q 0 0 0 rg BT 511.08 533.10 Td (ficiency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (savings. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 338.00 509.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 347.63 509.10 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.41 509.10 Td ( increased 12%, primarily driven by higher net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (credit losses and an increase in the net loan loss reserve build, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (lar) Tj ET Q q 0 0 0 rg BT 334.37 485.10 Td (gely reflecting volume growth and seasoning, as well as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (Mexico earthquake-related loan loss reserve build.) 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 (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. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.29 715.90 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.29 715.90 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 284.29 715.90 Td (Asia GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.56 715.90 Td () Tj ET Q q 0 0 0 rg BT 327.34 715.90 Td (s most significant revenues were from Singapore, Hong ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (Kong, Korea, India, ) Tj ET Q q 0 0 0 rg BT 117.65 703.90 Td (Australia, ) Tj ET Q q 0 0 0 rg BT 159.12 703.90 Td (T) Tj ET Q q 0 0 0 rg BT 164.53 703.90 Td (aiwan, ) Tj ET Q q 0 0 0 rg BT 193.23 703.90 Td (Thailand, Philippines, Indonesia and Malaysia. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 383.74 703.90 Td (Asia GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.52 703.90 Td (also includes traditional retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (banking and Citi-branded card products that are provided to retail customers in certain ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 383.94 691.90 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.59 691.90 Td ( countries, primarily in Poland, Russia ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 679.90 Td (and the United ) Tj ET Q q 0 0 0 rg BT 96.82 679.90 Td (Arab Emirates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 667.90 Td (At December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 667.90 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.08 667.90 Td (, on a combined basis, the businesses had 258 retail branches, approximately 16.0million retail banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 655.90 Td (customer accounts, $69.2billion in retail banking loans and $99.2 billion in deposits. In addition, the businesses had approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 643.90 Td (15.3million Citi-branded card accounts with $19.3 billion in outstanding loan balances. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 598.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 598.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 598.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 598.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 598.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 598.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 570.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 570.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 570.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 570.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 570.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 570.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 542.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 542.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 542.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 542.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 542.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 542.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 514.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 514.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 514.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 514.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 514.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 514.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 486.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 486.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 486.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 486.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 486.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 486.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 458.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 458.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 458.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 458.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 458.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 458.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 430.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 430.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 430.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 430.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 430.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 430.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 402.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 402.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 402.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 402.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 402.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 402.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 374.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 374.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 374.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 374.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 374.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 374.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 346.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 346.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 346.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 346.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 346.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 346.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 318.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 318.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 318.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 318.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 318.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 318.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 290.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 290.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 290.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 290.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 290.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 290.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 262.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 262.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 262.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 262.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 262.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 262.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 234.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 234.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 234.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 234.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 234.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 234.40 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 36.5 598.4 m 271.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 598.4 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 271.5 598.4 m 332.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 598.4 m 393.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 598.4 m 454.5 598.4 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 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 36.5 570.4 m 271.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 570.4 m 332.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 570.4 m 393.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 570.4 m 454.5 570.4 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 576.5 570.4 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 271.5 556.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 570.4 m 332.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 556.4 m 332.5 556.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 570.4 m 393.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 556.4 m 393.5 556.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 570.4 m 454.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 556.4 m 454.5 556.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 570.4 m 515.5 570.4 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 576.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 556.4 m 576.5 556.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 542.4 m 271.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 556.4 m 332.5 556.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 542.4 m 332.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 556.4 m 393.5 556.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 542.4 m 393.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 556.4 m 454.5 556.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 542.4 m 454.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 556.4 m 515.5 556.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 542.4 m 515.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 556.4 m 576.5 556.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 542.4 m 576.5 542.4 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 271.5 500.4 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 271.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 500.4 m 332.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 486.4 m 332.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 500.4 m 393.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 486.4 m 393.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 500.4 m 454.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 486.4 m 454.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 500.4 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 454.5 486.4 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 576.5 500.4 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 576.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 486.4 m 332.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 486.4 m 393.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 486.4 m 454.5 486.4 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 576.5 486.4 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 271.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 458.4 m 332.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 458.4 m 393.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 458.4 m 454.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 458.4 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 576.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 458.4 m 332.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 458.4 m 393.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 458.4 m 454.5 458.4 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 576.5 458.4 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 271.5 430.4 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 271.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 430.4 m 332.5 430.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 416.4 m 332.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 430.4 m 393.5 430.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 416.4 m 393.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 430.4 m 454.5 430.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 416.4 m 454.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 430.4 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 454.5 416.4 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 576.5 430.4 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 576.5 416.4 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 271.5 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 332.4 m 332.5 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 332.4 m 393.5 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 332.4 m 454.5 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 332.4 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 576.5 332.4 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 271.5 290.4 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 271.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 290.4 m 332.5 290.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 276.4 m 332.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 290.4 m 393.5 290.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 276.4 m 393.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 290.4 m 454.5 290.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 276.4 m 454.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 290.4 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 454.5 276.4 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 576.5 290.4 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 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 36.5 234.39999999999998 m 271.5 234.39999999999998 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 271.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 234.39999999999998 m 332.5 234.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 234.39999999999998 m 393.5 234.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 220.39999999999998 m 393.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 234.39999999999998 m 454.5 234.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 220.39999999999998 m 454.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 234.39999999999998 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 454.5 220.39999999999998 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 576.5 234.39999999999998 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 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 271.5 220.39999999999998 m 332.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 220.39999999999998 m 393.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 220.39999999999998 m 454.5 220.39999999999998 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 576.5 220.39999999999998 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 /F3 8.00 Tf ET BT /F3 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 292.50 602.85 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 602.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 602.86 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.10 611.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.95 602.85 Td (2018 vs. 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.85 611.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.95 602.86 Td (2017 vs. 2016) 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 274.00 588.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 588.85 Td (4,904) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 588.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 588.86 Td (4,702) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 588.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 588.86 Td (4,495) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 588.85 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 588.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 588.86 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 588.86 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 302.75 574.85 Td (2,569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 574.86 Td (2,644) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 574.86 Td (2,394) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 574.85 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 574.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 574.86 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 560.85 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 560.85 Td (otal r) Tj ET Q q 0 0 0 rg BT 64.84 560.85 Td (evenues, net of inter) Tj ET Q q 0 0 0 rg BT 141.66 560.85 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 560.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 560.85 Td (7,473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 560.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 560.86 Td (7,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 560.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 560.86 Td (6,889) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 560.85 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 560.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 560.86 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 560.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 546.86 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 546.86 Td (otal operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 546.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 546.85 Td (4,803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 546.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 546.86 Td (4,799) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 546.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 546.86 Td (4,675) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 546.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 546.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 546.86 Td (3) 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 39.00 532.86 Td (Net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 532.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 532.85 Td (670) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 532.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 532.86 Td (649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 532.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 532.86 Td (651) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 532.85 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 532.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 532.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 532.86 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 314.00 518.85 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 518.86 Td (\(29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 518.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 518.86 Td (\(28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 518.86 Td (\)) 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 558.00 518.86 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 518.86 Td (\)) 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 314.00 504.85 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 504.86 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 504.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 504.86 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 504.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 504.85 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 504.86 Td (\(25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 504.86 Td (\)) 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 274.00 490.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 490.85 Td (712) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 490.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 490.86 Td (615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 490.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 490.86 Td (619) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 490.85 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 490.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 490.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 490.86 Td (\)%) 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 274.00 476.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 476.85 Td (1,958) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 476.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 476.86 Td (1,932) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 476.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 476.86 Td (1,595) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 476.85 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 476.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 476.86 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 476.86 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 309.50 462.85 Td (464) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 462.86 Td (654) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 462.86 Td (536) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 462.85 Td (\(29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 462.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 462.86 Td (22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 448.85 Td (Income fr) Tj ET Q q 0 0 0 rg BT 76.65 448.85 Td (om continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 448.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 448.85 Td (1,494) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 448.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 448.86 Td (1,278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 448.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 448.86 Td (1,059) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 448.85 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 448.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 448.86 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 448.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 434.86 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 434.85 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 434.86 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 434.86 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 434.85 Td (40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 434.86 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 420.85 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 420.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 420.85 Td (1,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 420.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 420.86 Td (1,273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 420.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 420.86 Td (1,055) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 420.85 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 420.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 420.86 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 420.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 406.85 Td (Balance Sheet data and ratios ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 155.25 406.85 Td (\(in billions of dollars\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.00 406.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 406.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 392.86 Td (A) Tj ET Q q 0 0 0 rg BT 45.17 392.86 Td (verage assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 392.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 392.85 Td (131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 392.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 392.86 Td (124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 392.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 392.86 Td (1) Tj ET Q q 0 0 0 rg BT 437.50 392.86 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 392.85 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 392.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 392.86 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 392.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 378.86 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 378.85 Td (1.14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 378.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 378.86 Td (1.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 378.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 378.86 Td (0.89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 378.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 364.86 Td (Ef) Tj ET Q q 0 0 0 rg BT 47.41 364.86 Td (ficiency ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 364.85 Td (64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 364.86 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 364.86 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 350.86 Td (A) Tj ET Q q 0 0 0 rg BT 45.17 350.86 Td (verage deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 350.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 350.85 Td (98.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 350.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 350.86 Td (94.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 350.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 350.86 Td (89.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 350.85 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 350.86 Td (6) 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 307.25 336.85 Td (0.76) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 336.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 336.86 Td (0.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 336.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 336.86 Td (0.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 336.86 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 274.00 308.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 308.85 Td (4,555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 308.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 308.86 Td (4,465) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 308.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 308.86 Td (4,270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 308.85 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 308.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 308.86 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 308.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 294.86 Td (Citi-branded cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 294.85 Td (2,918) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 294.86 Td (2,881) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 294.86 Td (2,619) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 294.85 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 294.86 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 280.85 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 280.85 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 280.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 280.85 Td (7,473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 280.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 280.86 Td (7,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 280.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 280.86 Td (6,889) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 280.85 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 280.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 280.86 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 280.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 266.85 Td (Income fr) Tj ET Q q 0 0 0 rg BT 76.65 266.85 Td (om continuing operations by business) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 252.86 Td (Retail banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 252.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 252.85 Td (1,017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 252.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 252.86 Td (818) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 252.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 252.86 Td (652) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 252.85 Td (24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 252.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 252.86 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 252.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 238.86 Td (Citi-branded cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 238.85 Td (477) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 238.86 Td (460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 238.86 Td (407) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 238.85 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 238.86 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 224.85 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 224.85 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 224.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 224.85 Td (1,494) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 224.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 224.86 Td (1,278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 224.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 224.86 Td (1,059) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 224.85 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 224.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 224.86 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 224.86 Td (%) Tj ET Q 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 (21) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 740.50 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 740.50 61.00 -14.00 re 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754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 755 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 754.5 m 515.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 755 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 754.5 m 576.5 754.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 754.5 m 332.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 754.5 m 393.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 754.5 m 454.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 754.5 m 576.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 712.5 m 271.5 712.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 712.5 m 332.5 712.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 698.5 m 271.5 698.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 698.5 m 332.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 712.5 m 393.5 712.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i 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[] 0 d 0 J 0 j 3 M 393.5 614.5 m 454.5 614.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 628.5 m 515.5 628.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 614.5 m 515.5 614.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 628.5 m 576.5 628.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 614.5 m 576.5 614.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 586.5 m 271.5 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 586.5 m 332.5 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 586.5 m 393.5 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 586.5 m 454.5 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 586.5 m 576.5 586.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 572.5 m 271.5 572.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 572.5 m 332.5 572.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 572.5 m 393.5 572.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 572.5 m 454.5 572.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 586.5 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 454.5 572.5 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 576.5 572.5 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 (T) Tj ET Q q 0 0 0 rg BT 44.18 730.96 Td (otal revenuesas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 730.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 730.95 Td (7,473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 730.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 730.96 Td (7,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 730.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 730.96 Td (6,889) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 730.95 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 730.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 730.96 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 730.96 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 314.00 716.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 716.96 Td (\(27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 716.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 716.96 Td (91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 702.96 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 702.96 Td (otal revenuesex-FX) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 123.59 707.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 702.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 702.95 Td (7,473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 702.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 702.96 Td (7,319) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 702.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 702.96 Td (6,980) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 702.95 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 702.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 702.96 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 702.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 688.96 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 688.96 Td (otal operating expensesas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 688.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 688.95 Td (4,803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 688.96 Td (4,799) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 688.96 Td (4,675) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 688.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 688.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 688.96 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 688.96 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 314.00 674.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 674.96 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 674.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 674.96 Td (73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 660.96 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 660.96 Td (otal operating expensesex-FX) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 160.34 665.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 660.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 660.95 Td (4,803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 660.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 660.96 Td (4,795) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 660.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 660.96 Td (4,748) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 660.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 660.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 660.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 660.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 646.96 Td (Provisions for credit lossesas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 646.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 646.95 Td (712) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 646.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 646.96 Td (615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 646.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 646.96 Td (619) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 646.95 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 646.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 646.96 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 646.96 Td (\)%) 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 314.00 632.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 632.96 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 632.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 632.96 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 618.96 Td (Provisions for credit lossesex-FX) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 168.24 623.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 618.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 618.95 Td (712) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 618.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 618.96 Td (610) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 618.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 618.96 Td (622) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 618.95 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 618.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 618.96 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 618.96 Td (\)%) 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 274.00 604.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 604.95 Td (1,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 604.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 604.96 Td (1,273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 604.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 604.96 Td (1,055) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 604.95 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 604.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 604.96 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 604.96 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 314.00 590.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 590.96 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 590.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 590.96 Td (1) Tj ET Q q 0 0 0 rg BT 442.00 590.96 Td (1) 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 /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 112.73 581.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 576.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 576.95 Td (1,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 576.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 576.96 Td (1,264) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 576.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 576.96 Td (1,066) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 576.95 Td (18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 576.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 576.96 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 576.96 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 BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 553.80 Td (Asia GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 86.22 553.80 Td ( includes the results of operations of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 204.20 553.80 Td (GCB ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.20 553.80 Td (activities in certain ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 285.06 553.80 Td (EMEA) Tj ET Q q 0 0 0 rg BT 306.24 553.80 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.24 553.80 Td (countries 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 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.41 544.20 Td (2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.41 544.20 Td ( 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 (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 534.60 Td (Presentation of this metric excluding FX translation is a non-GAAP) Tj ET Q q 0 0 0 rg BT 270.78 534.60 Td ( financial measure.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 501.00 Td (The discussion of the r) Tj ET Q q 0 0 0 rg BT 126.19 501.00 Td (esults of operations for ) Tj ET Q q 0 0 0 rg BT 221.01 501.00 Td (Asia GCB below excludes the impact of FX translation for all periods pr) Tj ET Q q 0 0 0 rg BT 511.17 501.00 Td (esented. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 489.00 Td (Pr) Tj ET Q q 0 0 0 rg BT 45.63 489.00 Td (esentations of the r) Tj ET Q q 0 0 0 rg BT 121.64 489.00 Td (esults of operations, excluding the impact of FX translation, ar) Tj ET Q q 0 0 0 rg BT 373.19 489.00 Td (e non-GAAP) Tj ET Q q 0 0 0 rg BT 423.83 489.00 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 493.45 489.00 Td (es. For a ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 477.00 Td (r) Tj ET Q q 0 0 0 rg BT 39.52 477.00 Td (econciliation of certain of these metrics to the r) Tj ET Q q 0 0 0 rg BT 229.11 477.00 Td (eported r) Tj ET Q q 0 0 0 rg BT 265.68 477.00 Td (esults, see the table above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 453.00 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.00 453.00 Td ( vs. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.39 453.00 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 92.39 453.00 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 441.00 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.26 441.00 Td ( increased 18%, reflecting higher revenues and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 429.00 Td (lower ef) Tj ET Q q 0 0 0 rg BT 68.86 429.00 Td (fective tax rate as a result of ) Tj ET Q q 0 0 0 rg BT 183.90 429.00 Td (T) Tj ET Q q 0 0 0 rg BT 189.31 429.00 Td (ax Reform, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 417.00 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 417.00 Td (fset by higher cost of credit.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 405.00 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 405.00 Td ( increased 2%, driven by higher retail banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 393.00 Td (and cards revenues.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 381.00 Td (Retail banking revenues increased 2%, as continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 369.00 Td (growth in deposit and insurance revenues was partially of) Tj ET Q q 0 0 0 rg BT 266.31 369.00 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 357.00 Td (by lower investment revenues due to weak market sentiment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 345.00 Td (A) Tj ET Q q 0 0 0 rg BT 42.48 345.00 Td (verage deposits increased 3% and assets under management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 333.00 Td (grew 1%, while investment sales decreased 8%. Retail lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 321.00 Td (revenues increased 1%, as volume growth in personal and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 309.00 Td (commercial loans was lar) Tj ET Q q 0 0 0 rg BT 137.72 309.00 Td (gely of) Tj ET Q q 0 0 0 rg BT 165.59 309.00 Td (fset by lower mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 297.00 Td (revenues due to spread compression. ) Tj ET Q q 0 0 0 rg BT 184.85 297.00 Td (A) Tj ET Q q 0 0 0 rg BT 191.33 297.00 Td (verage retail banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 285.00 Td (loans grew 3%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 273.00 Td (Cards revenues increased 2%. Excluding the benefit of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 261.00 Td (modest one-time gains in the prior year) Tj ET Q q 0 0 0 rg BT 192.78 261.00 Td (, revenues increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 249.00 Td (4%, driven by continued growth in purchase sales \(up 6%\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 237.00 Td (average loans \(up 2%\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 225.00 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.50 225.00 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.71 225.00 Td ( were lar) Tj ET Q q 0 0 0 rg BT 128.50 225.00 Td (gely unchanged, as volume-driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 213.00 Td (growth and ongoing investment spending were of) Tj ET Q q 0 0 0 rg BT 234.12 213.00 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 201.00 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 201.00 Td (ficiency savings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 189.00 Td (Pr) Tj ET Q q 0 0 0 rg BT 63.63 189.00 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.41 189.00 Td ( increased 17%, primarily driven by higher net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 177.00 Td (credit losses and a modest net loan loss reserve build ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 165.00 Td (compared to a modest net loan loss reserve release in the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 153.00 Td (year due to volume growth. Overall credit quality continued to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 141.00 Td (remain stable in the region.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 129.00 Td (For additional information on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 175.09 129.00 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.87 129.00 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 195.37 129.00 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.37 129.00 Td () Tj ET Q q 0 0 0 rg BT 218.15 129.00 Td (s retail banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 117.00 Td (portfolios, including commercial banking, and its Citi-branded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 105.00 Td (cards portfolio, see Credit RiskConsumer Credit below) Tj ET Q q 0 0 0 rg BT 274.47 105.00 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 453.00 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 344.00 453.00 Td ( vs. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.39 453.00 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.39 453.00 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 441.00 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.26 441.00 Td ( increased 19%, reflecting higher revenues and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 429.00 Td (lower cost of credit, partially of) Tj ET Q q 0 0 0 rg BT 450.44 429.00 Td (fset by higher expenses.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 417.00 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.75 417.00 Td ( increased 5%, driven by improvement in cards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 405.00 Td (and wealth management revenues, partially of) Tj ET Q q 0 0 0 rg BT 508.19 405.00 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 393.00 Td (continued lower retail lending revenues.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 381.00 Td (Retail banking revenues increased 3%, primarily due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 369.00 Td (higher investment revenues, driven by improved investor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 357.00 Td (sentiment, partially of) Tj ET Q q 0 0 0 rg BT 411.85 357.00 Td (fset by the repositioning of the retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 345.00 Td (loan portfolio. ) Tj ET Q q 0 0 0 rg BT 383.53 345.00 Td (The lower retail lending revenues \(down 4%\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 333.00 Td (reflected lower average loans \(down 1%\) due to the continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 321.00 Td (optimization of the portfolio away from lower yielding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 309.00 Td (mortgage loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 297.00 Td (Cards revenues increased 8%, reflecting 5% growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 285.00 Td (average loans and 6% growth in purchase sales, both of which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 273.00 Td (benefited from the portfolio acquisition in ) Tj ET Q q 0 0 0 rg BT 493.96 273.00 Td (Australia, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 261.00 Td (modest gains related to sales of merchant acquiring businesses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 249.00 Td (in certain countries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 237.00 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 344.50 237.00 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.71 237.00 Td ( increased 1%, resulting from volume-driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 225.00 Td (growth and ongoing investment spending, partially of) Tj ET Q q 0 0 0 rg BT 538.51 225.00 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 213.00 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 213.00 Td (ficiency savings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 201.00 Td (Pr) Tj ET Q q 0 0 0 rg BT 351.63 201.00 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.41 201.00 Td ( decreased 2%, primarily driven by a decrease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 189.00 Td (in net credit losses. ) 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 (22) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (INSTITUTIONAL) Tj ET Q q 0 0 0 rg BT 132.04 747.90 Td ( CLIENTS GROUP) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 727.90 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 128.97 727.90 Td (oup \(ICG\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.35 727.90 Td ( includes ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 208.68 727.90 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.00 727.90 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 715.90 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.80 715.90 Td ( \(for additional information on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (these businesses, see Citigroup Segments above\). ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 244.84 703.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.06 703.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (provides corporate, institutional, public sector and high-net-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 679.90 Td (worth clients around the world with a full range of wholesale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 667.90 Td (banking products and services, including fixed income and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 655.90 Td (equity sales and trading, foreign exchange, prime brokerage, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 643.90 Td (derivative services, equity and fixed income research, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 631.90 Td (corporate lending, investment banking and advisory services, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 619.90 Td (private banking, cash management, trade finance and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 607.90 Td (securities services. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 113.47 607.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.69 607.90 Td ( transacts with clients in both cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 595.90 Td (instruments and derivatives, including fixed income, foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 583.90 Td (currency) Tj ET Q q 0 0 0 rg BT 70.33 583.90 Td (, equity and commodity products.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 571.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.22 571.90 Td ( revenue is generated primarily from fees and spreads ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 559.90 Td (associated with these activities. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 164.02 559.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.24 559.90 Td ( earns fee income for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 547.90 Td (assisting clients with transactional services and clearing and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 535.90 Td (providing brokerage and investment banking services and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 523.90 Td (other such activities. Such fees are recognized at the point in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 511.90 Td (time when Citigroup) Tj ET Q q 0 0 0 rg BT 121.55 511.90 Td (s performance under the terms of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 499.90 Td (contractual arrangement is completed, which is typically at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 487.90 Td (trade/execution date or closing of a transaction. Revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 475.90 Td (generated from these activities is recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 217.87 475.90 Td (Commissions ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 463.90 Td (and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.05 463.90 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 88.49 463.90 Td (Investment banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.52 463.90 Td (. Revenue is also generated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 451.90 Td (from assets under custody and administration, which is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 439.90 Td (recognized as/when the associated promised service is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 427.90 Td (satisfied, which normally occurs at the point in time the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 415.90 Td (service is requested by the customer and provided by Citi. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 403.90 Td (Revenue generated from these activities is primarily recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 391.90 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 46.28 391.90 Td (Administration and other fiduciary fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.04 391.90 Td (. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 379.90 Td (information on these various types of revenues, see Note 5 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 367.90 Td (the Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 355.90 Td (In addition, as a market maker) Tj ET Q q 0 0 0 rg BT 175.22 355.90 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 180.22 355.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.44 355.90 Td ( facilitates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 343.90 Td (transactions, including holding product inventory to meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 331.90 Td (client demand, and earns the dif) Tj ET Q q 0 0 0 rg BT 163.55 331.90 Td (ferential between the price at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 319.90 Td (which it buys and sells the products. ) Tj ET Q q 0 0 0 rg BT 183.58 319.90 Td (These price dif) Tj ET Q q 0 0 0 rg BT 243.37 319.90 Td (ferentials ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 307.90 Td (and the unrealized gains and losses on the inventory are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 294.70 Td (recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 83.75 294.70 Td (Principal transactions) Tj ET Q BT /F5 11.00 Tf ET q 0 0 0 rg BT 173.48 294.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.96 294.70 Td (\(for additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 282.70 Td (on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 48.50 282.70 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.22 282.70 Td ( revenue, see Note 6 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 270.70 Td (Consolidated Financial Statements\). ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 183.20 270.70 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.53 270.70 Td ( primarily includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 258.70 Td (mark-to-market gains and losses on certain credit derivatives, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 246.70 Td (realized gains and losses on available-for) Tj ET Q q 0 0 0 rg BT 200.46 246.70 Td (-sale \(AFS\) debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 234.70 Td (securities, gains and losses on equity securities not held in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 222.70 Td (trading accounts and other non-recurring gains and losses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 210.70 Td (Interest income earned on assets held, less interest paid on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 198.70 Td (long- and short-term debt and to customers on deposits, is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 186.70 Td (recorded as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 84.31 186.70 Td (Net inter) Tj ET Q q 0 0 0 rg BT 119.21 186.70 Td (est r) Tj ET Q q 0 0 0 rg BT 136.34 186.70 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.09 186.70 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.70 Td (The amount and types of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 151.42 174.70 Td (Markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.19 174.70 Td ( revenues are impacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 162.70 Td (by a variety of interrelated factors, including market liquidity; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 150.70 Td (changes in market variables such as interest rates, foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 138.70 Td (exchange rates, equity prices, commodity prices and credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 126.70 Td (spreads, as well as their implied volatilities; investor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 114.70 Td (confidence and other macroeconomic conditions. ) Tj ET Q q 0 0 0 rg BT 234.82 114.70 Td (Assuming all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 102.70 Td (other market conditions do not change, increases in client ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 90.70 Td (activity levels or bid/of) Tj ET Q q 0 0 0 rg BT 128.85 90.70 Td (fer spreads generally result in increases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 78.70 Td (in revenues. However) Tj ET Q q 0 0 0 rg BT 123.07 78.70 Td (, changes in market conditions can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 66.70 Td (significantly impact client activity levels, bid/of) Tj ET Q q 0 0 0 rg BT 227.44 66.70 Td (fer spreads and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 54.70 Td (the fair value of product inventory) Tj ET Q q 0 0 0 rg BT 172.80 54.70 Td (. For example, a decrease in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 727.90 Td (market liquidity may increase bid/of) Tj ET Q q 0 0 0 rg BT 469.33 727.90 Td (fer spreads, decrease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 715.90 Td (client activity levels and widen credit spreads on product ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 703.90 Td (inventory positions. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 337.50 691.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.72 691.90 Td () Tj ET Q q 0 0 0 rg BT 357.50 691.90 Td (s management of the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 443.03 691.90 Td (Markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.80 691.90 Td ( businesses involves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 679.90 Td (daily monitoring and evaluation of the above factors at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 667.90 Td (trading desk as well as the country level. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 489.23 667.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.45 667.90 Td ( does not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 655.90 Td (separately track the impact on total ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 466.72 655.90 Td (Markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.49 655.90 Td ( revenues of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 643.90 Td (volume of transactions, bid/of) Tj ET Q q 0 0 0 rg BT 443.79 643.90 Td (fer spreads, fair value changes of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 631.90 Td (product inventory positions and economic hedges because, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 619.90 Td (noted above, these components are interrelated and are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 607.90 Td (deemed useful or necessary individually to manage the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 595.90 Td (Markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.77 595.90 Td ( businesses at an aggregate) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 464.51 595.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.01 595.90 Td (level.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 583.90 Td (In the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 367.55 583.90 Td (Markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.32 583.90 Td ( businesses, client revenues are those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 571.90 Td (revenues directly attributable to client transactions at the time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 559.90 Td (of inception, including commissions, interest or fees earned. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 547.90 Td (Client revenues do not include the results of client facilitation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 535.90 Td (activities \(e.g., holding product inventory in anticipation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 523.90 Td (client demand\) or the results of certain economic hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 511.90 Td (activities.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 499.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.22 499.90 Td () Tj ET Q q 0 0 0 rg BT 362.00 499.90 Td (s international presence is supported by trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 487.90 Td (floors in approximately 80 countries and a proprietary network ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 475.90 Td (in 98 countries and jurisdictions. ) Tj ET Q q 0 0 0 rg BT 456.76 475.90 Td (At December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.85 475.90 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.85 475.90 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 552.85 475.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 570.07 475.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 463.90 Td (had approximately $1.4 trillion of assets and $690 billion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 451.90 Td (deposits, while two of its businessessecurities services and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 439.90 Td (issuer servicesmanaged approximately $17.5 trillion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 427.90 Td (assets under custody as of December 31, 2018 and 2017. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 415.90 Td ( ) Tj ET Q endstream endobj 47 0 obj <> endobj 48 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (23) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 732.50 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 732.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 732.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 732.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 732.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 732.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 704.50 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 704.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 704.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 704.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 704.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 704.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 676.50 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 676.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 676.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 676.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 676.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 676.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 648.50 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 648.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 648.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 648.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 648.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 648.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 620.50 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 620.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 620.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 620.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 620.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 620.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 592.50 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 592.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 592.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 592.50 61.00 -14.00 re f /GS0 gs 0.8 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/GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 662.5 m 271.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 662.5 m 332.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 662.5 m 393.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 662.5 m 454.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 662.5 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 515.5 662.5 m 576.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 662.5 m 332.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 662.5 m 393.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 662.5 m 454.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 662.5 m 576.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 634.5 m 271.5 634.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 634.5 m 332.5 634.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 634.5 m 454.5 634.5 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 332.5 494.5 m 393.5 494.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 480.5 m 393.5 480.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 494.5 m 454.5 494.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 480.5 m 454.5 480.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 494.5 m 515.5 494.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 480.5 m 515.5 480.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 494.5 m 576.5 494.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 480.5 m 576.5 480.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 424.5 m 271.5 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 424.5 m 332.5 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 424.5 m 393.5 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 424.5 m 454.5 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 424.5 m 515.5 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 424.5 m 576.5 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 410.5 m 332.5 410.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 410.5 m 393.5 410.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 410.5 m 454.5 410.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 410.5 m 515.5 410.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 410.5 m 576.5 410.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 354.5 m 271.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 354.5 m 332.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 354.5 m 393.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 354.5 m 454.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 354.5 m 515.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 354.5 m 576.5 354.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 340.5 m 271.5 340.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 340.5 m 332.5 340.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 340.5 m 393.5 340.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 340.5 m 454.5 340.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 340.5 m 515.5 340.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 340.5 m 576.5 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 269.5 m 271.5 269.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 269.5 m 332.5 269.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 269.5 m 393.5 269.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 269.5 m 454.5 269.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 269.5 m 515.5 269.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 269.5 m 576.5 269.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 255.5 m 271.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 255.5 m 332.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 255.5 m 393.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 269.5 m 454.5 269.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 255.5 m 454.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 255.5 m 515.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 255.5 m 576.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 255.5 m 271.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 184.5 m 271.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 184.5 m 332.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 184.5 m 393.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 184.5 m 454.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 184.5 m 515.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 184.5 m 576.5 184.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 170.5 m 271.5 170.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 170.5 m 332.5 170.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 170.5 m 393.5 170.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 170.5 m 454.5 170.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 170.5 m 515.5 170.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 170.5 m 576.5 170.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 170.5 m 271.5 170.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 128.5 m 271.5 128.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 128.5 m 332.5 128.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 128.5 m 393.5 128.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 128.5 m 454.5 128.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 128.5 m 515.5 128.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 128.5 m 576.5 128.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 114.5 m 271.5 114.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 114.5 m 332.5 114.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 114.5 m 393.5 114.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 128.5 m 454.5 128.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 114.5 m 454.5 114.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 114.5 m 515.5 114.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 114.5 m 576.5 114.5 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 736.75 Td (In millions of dollars, except as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 736.95 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 736.96 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 736.96 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.10 745.95 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.95 736.95 Td (2018 vs. 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.85 745.96 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.95 736.96 Td (2017 vs. 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 722.96 Td (Commissions and fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 722.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 722.95 Td (4,516) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 722.96 Td (4,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 722.96 Td (3,998) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 722.95 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 722.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 722.96 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 722.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 708.96 Td (Administration and other fiduciary fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 708.95 Td (2,755) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 708.96 Td (2,668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 708.96 Td (2,448) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 708.95 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 708.96 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 694.96 Td (Investment banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 694.95 Td (4,352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 694.96 Td (4,661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 694.96 Td (3,868) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 694.95 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 694.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 694.96 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 680.96 Td (Principal transactions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 680.95 Td (8,852) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 680.96 Td (8,012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 680.96 Td (7,570) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 680.95 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 680.96 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 666.96 Td (Other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 59.49 671.04 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 666.95 Td (794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 666.96 Td (1,179) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 666.96 Td (\(143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 666.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 666.95 Td (\(33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 666.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.45 666.96 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 652.96 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 652.96 Td (otal non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 652.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 652.95 Td (21,269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 652.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 652.96 Td (20,838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 652.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 652.96 Td (17,741) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 652.95 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 652.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 652.96 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 652.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 638.96 Td (Net interest revenue \(including dividends\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 638.95 Td (15,725) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 638.96 Td (15,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 638.96 Td (16,199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 638.95 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 638.96 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 638.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 624.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 624.95 Td (otal r) Tj ET Q q 0 0 0 rg BT 64.84 624.95 Td (evenues, net of inter) Tj ET Q q 0 0 0 rg BT 141.66 624.95 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 624.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 624.95 Td (36,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 624.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 624.96 Td (36,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 624.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 624.96 Td (33,940) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 624.95 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 624.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 624.96 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 624.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 610.96 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 610.96 Td (otal operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 610.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 610.95 Td (20,979) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 610.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 610.96 Td (20,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 610.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 610.96 Td (19,669) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 610.95 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 610.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 610.96 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 610.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 596.96 Td (Net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 596.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 596.95 Td (172) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 596.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 596.96 Td (365) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 596.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 596.96 Td (516) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 596.95 Td (\(53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 596.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 596.96 Td (\(29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 596.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 582.96 Td (Credit reserve build \(release\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.50 582.95 Td (\(104) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 582.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 582.96 Td (\(221) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 582.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 582.96 Td (\(64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 582.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 582.95 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.45 582.96 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 568.96 Td (Provision \(release\) for unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 568.95 Td (1) Tj ET Q q 0 0 0 rg BT 314.00 568.95 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 568.96 Td (\(159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 568.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 568.96 Td (34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 568.95 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.45 568.96 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 554.96 Td (Provisions for credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 554.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 554.95 Td (184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 554.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 554.96 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 554.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 554.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 554.96 Td (486) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 554.95 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.45 554.96 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 540.96 Td (Income from continuing operations before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 540.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 540.95 Td (15,831) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 540.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 540.96 Td (16,074) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 540.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 540.96 Td (13,785) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 540.95 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 540.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 540.96 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 540.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 526.96 Td (Income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 526.95 Td (3,631) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 526.96 Td (7,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 526.96 Td (4,260) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 526.95 Td (\(48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 526.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 526.96 Td (65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 512.95 Td (Income fr) Tj ET Q q 0 0 0 rg BT 76.65 512.95 Td (om continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 512.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 512.95 Td (12,200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 512.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 512.96 Td (9,066) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 512.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 512.96 Td (9,525) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 512.95 Td (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 512.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 512.96 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 512.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 498.96 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 498.95 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 498.96 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 498.96 Td (58) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 498.95 Td (\(70) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 498.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 498.96 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 498.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 484.95 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 484.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 484.95 Td (12,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 484.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 484.96 Td (9,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 484.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 484.96 Td (9,467) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 484.95 Td (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 484.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 484.96 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 484.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 470.96 Td (EOP) Tj ET Q q 0 0 0 rg BT 55.67 470.96 Td ( assets ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 81.17 470.96 Td (\(in billions of dollars\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 470.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 470.95 Td (1,394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 470.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 470.96 Td (1,336) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 470.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 470.96 Td (1,277) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 470.95 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 470.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 470.96 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 470.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 456.96 Td (A) Tj ET Q q 0 0 0 rg BT 44.83 456.96 Td (verage assets ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 94.31 456.96 Td (\(in billions of dollars\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 456.95 Td (1,404) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 456.96 Td (1,358) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 456.96 Td (1,298) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 456.95 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 456.96 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 442.96 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 442.95 Td (0.87) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 442.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 442.96 Td (0.66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 442.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 442.96 Td (0.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 442.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 428.96 Td (Ef) Tj ET Q q 0 0 0 rg BT 47.41 428.96 Td (ficiency ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 428.95 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 428.96 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 428.96 Td (58) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 414.95 Td (Revenues by r) Tj ET Q q 0 0 0 rg BT 93.42 414.95 Td (egion) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 400.95 Td (North ) Tj ET Q q 0 0 0 rg BT 62.17 400.95 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 400.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 400.95 Td (12,914) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 400.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 400.96 Td (13,923) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 400.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 400.96 Td (12,767) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 400.95 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 400.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 400.96 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 400.96 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 386.95 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 386.95 Td (1) Tj ET Q q 0 0 0 rg BT 302.75 386.95 Td (1,770) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 386.96 Td (10,879) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 386.96 Td (10,012) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 386.95 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 386.96 Td (9) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 372.95 Td (Latin ) Tj ET Q q 0 0 0 rg BT 60.17 372.95 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 372.95 Td (4,504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 372.96 Td (4,385) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 372.96 Td (4,125) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 372.95 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 372.96 Td (6) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 358.95 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 358.95 Td (7,806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 358.96 Td (7,287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 358.96 Td (7,036) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 358.95 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 358.96 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 344.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 344.95 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 344.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 344.95 Td (36,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 344.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 344.96 Td (36,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 344.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 344.96 Td (33,940) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 344.95 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 344.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 344.96 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 344.96 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 329.95 Td (Income fr) Tj ET Q q 0 0 0 rg BT 76.65 329.95 Td (om continuing operations by r) Tj ET Q q 0 0 0 rg BT 192.50 329.95 Td (egion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.00 330.17 Td () Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 315.95 Td (North ) Tj ET Q q 0 0 0 rg BT 62.17 315.95 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 315.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 315.95 Td (3,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 315.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 315.96 Td (2,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 315.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 315.96 Td (3,515) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 315.95 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 315.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 315.96 Td (\(33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 315.96 Td (\)%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 301.95 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 301.95 Td (3,891) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 301.96 Td (2,832) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 301.96 Td (2,345) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 301.95 Td (37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 301.96 Td (21) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 287.95 Td (Latin ) Tj ET Q q 0 0 0 rg BT 60.17 287.95 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 287.95 Td (1,889) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 287.96 Td (1,544) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 287.96 Td (1,454) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 287.95 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 287.96 Td (6) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 273.95 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 273.95 Td (2,920) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 273.96 Td (2,335) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 273.96 Td (2,21) Tj ET Q q 0 0 0 rg BT 442.00 273.96 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 273.95 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 273.96 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 259.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 259.95 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 259.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 259.95 Td (12,200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 259.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 259.96 Td (9,066) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 259.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 259.96 Td (9,525) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 259.95 Td (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 259.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 259.96 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 259.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 244.96 Td (A) Tj ET Q q 0 0 0 rg BT 44.83 244.96 Td (verage loans by region) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 126.55 244.96 Td ( \(in billions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.00 245.17 Td () Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 230.95 Td (North ) Tj ET Q q 0 0 0 rg BT 62.17 230.95 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 230.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 230.95 Td (165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 230.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 230.96 Td (151) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 230.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 230.96 Td (145) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 230.95 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 230.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 230.96 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 230.96 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 216.95 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 216.95 Td (81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 216.96 Td (69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 216.96 Td (66) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 216.95 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 216.96 Td (5) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 202.95 Td (Latin ) Tj ET Q q 0 0 0 rg BT 60.17 202.95 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 202.95 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 202.96 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 202.96 Td (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 202.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 202.96 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 202.96 Td (\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 188.95 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 188.95 Td (66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 188.96 Td (62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 188.96 Td (57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 188.95 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 188.96 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 174.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 174.95 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 174.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 174.95 Td (346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 174.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 174.96 Td (316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 174.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 174.96 Td (303) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 174.95 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 174.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 174.96 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 174.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 160.96 Td (EOP) Tj ET Q q 0 0 0 rg BT 55.67 160.96 Td ( deposits by business ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 133.67 160.96 Td (\(in billions of dollars\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 146.96 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 146.96 Td (reasury and trade solutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 146.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 146.95 Td (472) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 146.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 146.96 Td (432) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 146.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 146.96 Td (412) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 146.95 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 146.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 146.96 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 146.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 132.96 Td (All other ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 73.49 132.96 Td (ICG) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 88.99 132.96 Td ( businesses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 132.95 Td (218) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 132.96 Td (208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 132.96 Td (200) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 132.95 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 132.96 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 118.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 118.95 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 118.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 118.95 Td (690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 118.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 118.96 Td (640) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 118.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 118.96 Td (612) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 118.95 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 118.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 118.96 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 118.96 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 95.80 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 95.80 Td (2017 includes the approximate $580 million gain on the sale of a fixed income analytics business. 2016 includes a char) Tj ET Q q 0 0 0 rg BT 435.09 95.80 Td (ge of approximately $180 million, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 86.20 Td (primarily reflecting the write-down of Citi) Tj ET Q q 0 0 0 rg BT 191.96 86.20 Td (s net investment in ) Tj ET Q q 0 0 0 rg BT 254.03 86.20 Td (V) Tj ET Q q 0 0 0 rg BT 258.92 86.20 Td (enezuela due to changes in the exchange rate.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 76.60 Td (NM Not meaningful) 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 (24) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (ICG) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.78 749.25 Td ( Revenue DetailsExcluding Gains \(Losses\) on Loan Hedges) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 707.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 707.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 707.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 707.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 707.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 707.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 679.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 679.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 679.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 679.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 679.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 679.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 651.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 651.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 651.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 651.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 651.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 651.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 623.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 623.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 623.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 623.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 623.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 623.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 595.75 235.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 595.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 595.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 595.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 595.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 595.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 558.75 235.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 558.75 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 558.75 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 558.75 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 558.75 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 558.75 61.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 522.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 522.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 522.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 522.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 522.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 522.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 494.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 494.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 494.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 494.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 494.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 494.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 458.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 458.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 458.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 458.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 458.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 458.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 430.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 430.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 430.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 430.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 430.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 430.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 402.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 402.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 402.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 402.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 402.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 402.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 374.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 374.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 374.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 374.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 374.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 374.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 346.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 346.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 346.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 346.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 346.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 346.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 318.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 318.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 318.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 318.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 318.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 318.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 290.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 290.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 290.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 290.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 290.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 290.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 262.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 262.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 262.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 262.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 262.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 262.75 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 36.5 707.75 m 271.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 707.75 m 332.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 707.75 m 393.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 707.75 m 454.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 707.75 m 515.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 707.75 m 576.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 651.75 m 271.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 651.75 m 332.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 651.75 m 393.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 651.75 m 454.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 651.75 m 515.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 651.75 m 576.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 595.75 m 271.5 595.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 595.75 m 332.5 595.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 595.75 m 393.5 595.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 595.75 m 454.5 595.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 595.75 m 515.5 595.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 595.75 m 576.5 595.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 572.75 m 271.5 572.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 572.75 m 332.5 572.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 572.75 m 393.5 572.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 572.75 m 454.5 572.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 572.75 m 515.5 572.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 572.75 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 36.5 558.75 m 271.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 558.75 m 332.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 558.75 m 393.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 558.75 m 454.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 558.75 m 515.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 558.75 m 576.5 558.75 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 271.5 536.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 536.75 m 332.5 536.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 536.75 m 393.5 536.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 536.75 m 454.5 536.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 536.75 m 515.5 536.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 536.75 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 36.5 480.75 m 271.5 480.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 458.75 m 271.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 480.75 m 332.5 480.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 458.75 m 332.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 480.75 m 393.5 480.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 458.75 m 393.5 458.75 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 454.5 480.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 458.75 m 454.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 480.75 m 515.5 480.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 458.75 m 515.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 480.75 m 576.5 480.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 458.75 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 36.5 458.75 m 271.5 458.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 444.75 m 271.5 444.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 444.75 m 332.5 444.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 444.75 m 393.5 444.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 444.75 m 454.5 444.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 444.75 m 515.5 444.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 444.75 m 576.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 402.75 m 271.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 402.75 m 332.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 402.75 m 393.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 402.75 m 454.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 402.75 m 515.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 402.75 m 576.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 374.75 m 271.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 374.75 m 332.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 374.75 m 393.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 374.75 m 454.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 374.75 m 576.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 374.75 m 271.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 360.75 m 271.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 374.75 m 332.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 360.75 m 332.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 374.75 m 393.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 360.75 m 393.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 374.75 m 454.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 360.75 m 454.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 374.75 m 515.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 360.75 m 515.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 374.75 m 576.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 360.75 m 576.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 360.75 m 271.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 360.75 m 332.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 360.75 m 393.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 360.75 m 454.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 360.75 m 515.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 360.75 m 576.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 332.75 m 271.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 332.75 m 332.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 332.75 m 393.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 332.75 m 454.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 332.75 m 576.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 332.75 m 271.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 318.75 m 271.5 318.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 332.75 m 332.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 318.75 m 332.5 318.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 332.75 m 393.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 318.75 m 393.5 318.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 332.75 m 454.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 318.75 m 454.5 318.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 332.75 m 515.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 318.75 m 515.5 318.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 332.75 m 576.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 318.75 m 576.5 318.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 276.75 m 271.5 276.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 276.75 m 332.5 276.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 276.75 m 393.5 276.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 276.75 m 454.5 276.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 276.75 m 515.5 276.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 276.75 m 576.5 276.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 248.75 m 271.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 248.75 m 332.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 248.75 m 393.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 248.75 m 454.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 248.75 m 576.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 248.75 m 271.5 248.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 234.75 m 271.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 248.75 m 332.5 248.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 234.75 m 332.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 248.75 m 393.5 248.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 234.75 m 393.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 248.75 m 454.5 248.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 234.75 m 454.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 248.75 m 515.5 248.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 234.75 m 515.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 248.75 m 576.5 248.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 234.75 m 576.5 234.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 712.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 712.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 712.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 712.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.10 721.20 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.95 712.20 Td (2018 vs. 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.85 721.21 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.95 712.21 Td (2017 vs. 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 698.21 Td (Investment banking) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 110.24 698.21 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 112.49 698.21 Td (revenue details) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 684.21 Td (Advisory) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 684.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 684.20 Td (1,301) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 684.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 684.21 Td (1,123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 684.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 684.21 Td (1,013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 684.20 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 684.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 684.21 Td (1) Tj ET Q q 0 0 0 rg BT 561.00 684.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 684.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 670.21 Td (Equity underwriting) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 670.20 Td (991) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 670.21 Td (1,121) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 670.21 Td (663) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 670.20 Td (\(12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 670.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 670.21 Td (69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 656.21 Td (Debt underwriting) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 656.20 Td (2,719) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 656.21 Td (3,126) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 656.21 Td (2,776) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 656.20 Td (\(13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 656.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 656.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 642.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 642.21 Td (otal investment banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 642.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 642.20 Td (5,01) Tj ET Q q 0 0 0 rg BT 324.50 642.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 642.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 642.21 Td (5,370) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 642.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 642.21 Td (4,452) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 642.20 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 642.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 642.21 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 642.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 628.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 628.21 Td (reasury and trade solutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 628.20 Td (9,289) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 628.21 Td (8,635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 628.21 Td (8,022) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 628.20 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 628.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 614.21 Td (Corporate lendingexcluding gains \(losses\) on loan hedges) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 255.95 618.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 614.20 Td (2,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 614.21 Td (1,938) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 614.21 Td (1,734) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 614.20 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 614.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 600.21 Td (Private bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 600.20 Td (3,398) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 600.21 Td (3,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 600.21 Td (2,728) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 600.20 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 600.21 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 586.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 586.20 Td (otal ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 60.92 586.20 Td (Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 92.94 586.20 Td ( r) Tj ET Q q 0 0 0 rg BT 99.02 586.20 Td (evenues \(ex-gains \(losses\) on ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 577.20 Td ( loan hedges\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 577.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 577.20 Td (19,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 577.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.90 577.21 Td (19,051) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 577.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 577.21 Td (16,936) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 577.20 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 577.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 577.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 577.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 563.21 Td (Corporate lendinggains \(losses\) on loan hedges) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 218.21 567.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 563.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 563.20 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.15 563.21 Td (\(133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.65 563.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 563.21 Td (\(594) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 563.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 563.20 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 563.21 Td (78) 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 39.00 550.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 550.15 Td (otal ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 60.92 550.15 Td (Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 92.94 550.15 Td ( r) Tj ET Q q 0 0 0 rg BT 99.02 550.15 Td (evenues \(including gains \(losses\) on loan ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 541.15 Td (hedges\), net of inter) Tj ET Q q 0 0 0 rg BT 114.82 541.15 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 541.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 541.20 Td (19,975) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 541.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.90 541.21 Td (18,918) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 541.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 541.21 Td (16,342) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 541.20 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 541.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 541.21 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 541.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 527.21 Td (Fixed income markets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 527.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 527.20 Td (1) Tj ET Q q 0 0 0 rg BT 308.75 527.20 Td (1,635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 527.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.90 527.21 Td (12,351) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 527.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 527.21 Td (13,063) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 527.20 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 527.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 527.21 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 527.21 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 513.21 Td (Equity markets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 513.20 Td (3,427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 513.21 Td (2,879) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 513.21 Td (2,933) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 513.20 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 513.21 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 513.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 499.21 Td (Securities services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 499.20 Td (2,631) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 499.21 Td (2,366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 499.21 Td (2,181) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 499.20 Td (1) Tj ET Q q 0 0 0 rg BT 498.50 499.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 499.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 485.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 59.49 489.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 485.20 Td (\(674) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 485.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.65 485.21 Td (\(40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.65 485.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 485.21 Td (\(579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 485.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 485.20 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 485.21 Td (93) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 472.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 472.15 Td (otal ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 60.92 472.15 Td (Markets and securities services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.17 472.15 Td ( r) Tj ET Q q 0 0 0 rg BT 182.25 472.15 Td (evenues, net ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 463.15 Td ( of inter) Tj ET Q q 0 0 0 rg BT 71.58 463.15 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 463.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 463.20 Td (17,019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 463.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.90 463.21 Td (17,556) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 463.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 463.21 Td (17,598) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 463.20 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 463.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 463.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 463.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 449.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 449.20 Td (otal r) Tj ET Q q 0 0 0 rg BT 64.84 449.20 Td (evenues, net of inter) Tj ET Q q 0 0 0 rg BT 141.66 449.20 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 449.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 449.20 Td (36,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 449.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.90 449.21 Td (36,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 449.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 449.21 Td (33,940) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 449.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 449.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 449.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 449.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 435.21 Td (Commissions and fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 435.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 435.20 Td (706) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 435.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.15 435.21 Td (641) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 435.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 435.21 Td (498) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 435.20 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 435.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 435.21 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 435.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 421.21 Td (Principal transactions) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 116.73 425.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 421.20 Td (7,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 421.21 Td (6,995) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 421.21 Td (6,680) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 421.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 421.21 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 407.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 407.20 Td (380) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.15 407.21 Td (596) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 407.21 Td (595) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 407.20 Td (\(36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 407.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 407.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 393.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 393.21 Td (otal non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 393.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 393.20 Td (8,194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 393.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 393.21 Td (8,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 393.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 393.21 Td (7,773) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 393.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 393.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 393.21 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 393.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 379.21 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 379.20 Td (3,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 379.21 Td (4,1) Tj ET Q q 0 0 0 rg BT 380.65 379.21 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 379.21 Td (5,290) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 379.20 Td (\(16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 379.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 379.21 Td (\(22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 379.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 365.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 365.20 Td (otal fixed income markets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 365.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 365.20 Td (1) Tj ET Q q 0 0 0 rg BT 308.75 365.20 Td (1,635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 365.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.90 365.21 Td (12,351) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 365.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 365.21 Td (13,063) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 365.20 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 365.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 365.21 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 365.21 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 351.21 Td (Rates and currencies) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 351.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 351.20 Td (8,461) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 351.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 351.21 Td (8,885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 351.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 351.21 Td (9,381) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 351.20 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 351.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 351.21 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 351.21 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 337.21 Td (Spread products/other fixed income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 337.20 Td (3,174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 337.21 Td (3,466) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 337.21 Td (3,682) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 337.20 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 337.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 337.21 Td (\(6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 337.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 323.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 323.20 Td (otal fixed income markets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 323.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 323.20 Td (1) Tj ET Q q 0 0 0 rg BT 308.75 323.20 Td (1,635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 323.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.90 323.21 Td (12,351) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 323.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 323.21 Td (13,063) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 323.20 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 323.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 323.21 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 323.21 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 309.21 Td (Commissions and fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 309.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 309.20 Td (1,268) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 309.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 309.21 Td (1,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 309.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 309.21 Td (1,338) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 309.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 309.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 309.21 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 309.21 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 295.21 Td (Principal transactions) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 116.73 299.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 295.20 Td (1,240) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.15 295.21 Td (478) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 295.21 Td (218) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 295.20 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.45 295.21 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 281.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 281.20 Td (109) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.15 281.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 281.21 Td (139) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 281.20 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 281.21 Td (\(95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 281.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 267.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 267.21 Td (otal non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 267.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 267.20 Td (2,617) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 267.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 267.21 Td (1,756) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 267.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 267.21 Td (1,695) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 267.20 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 267.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 267.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 267.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 253.21 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 253.20 Td (810) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 253.21 Td (1,123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 253.21 Td (1,238) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 253.20 Td (\(28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 253.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 253.21 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 253.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 239.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 239.20 Td (otal equity markets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 239.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 239.20 Td (3,427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 239.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.40 239.21 Td (2,879) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 239.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 239.21 Td (2,933) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 239.20 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 239.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 239.21 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 239.21 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 216.05 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 216.05 Td (Credit derivatives are used to economically hedge a portion of the corporate loan portfolio that includes both accrual loans and loans at fair value. Gains \(losses\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 206.45 Td (on loan hedges includes the mark-to-market on the credit derivatives and the mark-to-market on the loans in the portfolio that are at fair value. ) Tj ET Q q 0 0 0 rg BT 511.70 206.45 Td (The fixed premium ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 196.85 Td (costs of these hedges are netted against the corporate lending revenues to reflect the cost of credit protection. Citigroup) Tj ET Q q 0 0 0 rg BT 437.20 196.85 Td (s results of operations excluding the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 187.25 Td (impact of gains \(losses\) on loan hedges are non-GAAP) Tj ET Q q 0 0 0 rg BT 229.66 187.25 Td ( financial measures.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 177.65 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 177.65 Td (2017 includes the approximate $580 million gain on the sale of a fixed income analytics business. 2016 includes a char) Tj ET Q q 0 0 0 rg BT 435.09 177.65 Td (ge of approximately $180 million, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 168.05 Td (primarily reflecting the write-down of Citi) Tj ET Q q 0 0 0 rg BT 191.96 168.05 Td (s net investment in ) Tj ET Q q 0 0 0 rg BT 254.03 168.05 Td (V) Tj ET Q q 0 0 0 rg BT 258.92 168.05 Td (enezuela due to changes in the exchange rate.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 158.45 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 158.45 Td (Excludes principal transactions revenues of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 193.06 158.45 Td ( ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.84 158.45 Td ( businesses other than ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 280.83 158.45 Td (Markets and securities services) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 381.47 158.45 Td (, primarily treasury and trade solutions and the private bank.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 148.85 Td (NM Not meaningful) 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 33.60 Td (25) 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 ICG below excludes \(wher) Tj ET Q q 0 0 0 rg BT 327.18 749.10 Td (e noted\) the impact of gains \(losses\) on hedges of accrual ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (loans, which ar) Tj ET Q q 0 0 0 rg BT 97.58 737.10 Td (e non-GAAP) Tj ET Q q 0 0 0 rg BT 148.21 737.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 217.84 737.10 Td (es. For a r) Tj ET Q q 0 0 0 rg BT 259.69 737.10 Td (econciliation of these metrics to the r) Tj ET Q q 0 0 0 rg BT 408.17 737.10 Td (eported r) Tj ET Q q 0 0 0 rg BT 444.74 737.10 Td (esults, see the table above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.00 713.10 Td ( vs. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.39 713.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 92.39 713.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.26 701.10 Td ( increased 35%, reflecting the impact of a $2.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (billion one-time, non-cash char) Tj ET Q q 0 0 0 rg BT 160.78 689.10 Td (ge recorded in the tax line due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (to the impact of ) Tj ET Q q 0 0 0 rg BT 101.36 677.10 Td (T) Tj ET Q q 0 0 0 rg BT 106.77 677.10 Td (ax Reform in 2017 \(for additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (information, see Significant ) Tj ET Q q 0 0 0 rg BT 153.75 665.10 Td (Accounting Policies and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (Significant EstimatesIncome ) Tj ET Q q 0 0 0 rg BT 163.57 653.10 Td (T) Tj ET Q q 0 0 0 rg BT 168.98 653.10 Td (axes below\). Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (one-time impact of ) Tj ET Q q 0 0 0 rg BT 114.40 641.10 Td (T) Tj ET Q q 0 0 0 rg BT 119.81 641.10 Td (ax Reform, net income increased 1) Tj ET Q q 0 0 0 rg BT 258.83 641.10 Td (1%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (driven primarily by a lower ef) Tj ET Q q 0 0 0 rg BT 156.05 629.10 Td (fective tax rate as a result of ) Tj ET Q q 0 0 0 rg BT 271.09 629.10 Td (T) Tj ET Q q 0 0 0 rg BT 276.50 629.10 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (Reform and higher revenues, partially of) Tj ET Q q 0 0 0 rg BT 198.54 617.10 Td (fset by higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (expenses and higher cost of credit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 587.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 587.10 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 587.10 Td ( increased 1%, reflecting a 6% increase in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 575.10 Td (Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.83 575.10 Td (\(including the gains \(losses\) on loan hedges\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 563.10 Td (lar) Tj ET Q q 0 0 0 rg BT 64.37 563.10 Td (gely of) Tj ET Q q 0 0 0 rg BT 92.23 563.10 Td (fset by a 3% decrease in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 191.63 563.10 Td (Markets and securities ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 551.10 Td (services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.21 551.10 Td (. Excluding the impact of a gain of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 539.10 Td ($580 million on the sale of a fixed income analytics ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 527.10 Td (business in the prior year) Tj ET Q q 0 0 0 rg BT 154.13 527.10 Td (, revenues increased 3%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 515.10 Td (primarily driven by a 6% increase in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 202.56 515.10 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.88 515.10 Td ( revenue, as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 503.10 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.80 503.10 Td ( revenues were lar) Tj ET Q q 0 0 0 rg BT 252.63 503.10 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 491.10 Td (unchanged versus the prior year) Tj ET Q q 0 0 0 rg BT 181.18 491.10 Td (. Excluding the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 479.10 Td (the gains \(losses\) on loan hedges, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 190.36 479.10 Td (Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.19 479.10 Td (revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 467.10 Td (increased 5%, driven by solid growth across treasury and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 455.10 Td (trade solutions, private bank and corporate lending. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 443.10 Td (Excluding the gain on sale in the prior year) Tj ET Q q 0 0 0 rg BT 226.32 443.10 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 231.32 443.10 Td (Markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.09 443.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 266.59 443.10 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 431.10 Td (securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.03 431.10 Td ( revenues were lar) Tj ET Q q 0 0 0 rg BT 199.86 431.10 Td (gely unchanged, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 419.10 Td (increases in equity markets and securities services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 407.10 Td (revenues were of) Tj ET Q q 0 0 0 rg BT 122.12 407.10 Td (fset by a decrease in fixed income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 395.10 Td (markets revenues. Citi expects that revenues in its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 383.10 Td (markets and investment banking businesses will likely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 371.10 Td (reflect the overall market environment during 2019.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 347.10 Td (W) Tj ET Q q 0 0 0 rg BT 45.04 347.10 Td (ithin) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.37 347.10 Td ( Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.20 347.10 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 329.10 Td (Investment banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.03 329.10 Td ( revenues decreased 7%, lar) Tj ET Q q 0 0 0 rg BT 243.18 329.10 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 317.10 Td (reflecting a decline in market wallet and market share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 305.10 Td (across debt and equity underwriting as well as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 293.10 Td (comparison to the particularly strong performance in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 281.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 92.59 281.10 Td (. ) Tj ET Q q 0 0 0 rg BT 97.04 281.10 Td (Advisory revenues increased 16%, reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 269.10 Td (strength in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 99.00 269.10 Td (North ) Tj ET Q q 0 0 0 rg BT 124.65 269.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.53 269.10 Td (, driven by gains in wallet share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 257.10 Td (and increased market activity) Tj ET Q q 0 0 0 rg BT 170.80 257.10 Td (. Equity underwriting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 245.10 Td (revenues decreased 12%, primarily driven by lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 233.10 Td (revenues in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 102.32 233.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.97 233.10 Td (. Debt underwriting revenues decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 221.10 Td (13%, primarily driven by lower revenues in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 231.17 221.10 Td (North ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 209.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.88 209.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 197.10 Td (T) Tj ET Q q 0 0 0 rg BT 59.01 197.10 Td (r) Tj ET Q q 0 0 0 rg BT 62.53 197.10 Td (easury and trade solutions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.92 197.10 Td ( revenues increased 8%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 185.10 Td (Excluding the impact of FX translation, revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 173.10 Td (increased 9%, reflecting strength in all regions, driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 161.10 Td (growth across both net interest and fee income. Revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 149.10 Td (increased in the cash business, primarily driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 137.10 Td (continued growth in deposit balances and improved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 125.10 Td (deposit spreads due to higher interest rates, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 113.10 Td (higher transaction volumes from both new and existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 101.10 Td (clients. ) Tj ET Q q 0 0 0 rg BT 84.92 101.10 Td (The trade business experienced strong revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 89.10 Td (growth, as the business continued to focus on high-quality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 77.10 Td (loan growth, while spreads remained lar) Tj ET Q q 0 0 0 rg BT 214.32 77.10 Td (gely stable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 65.10 Td (throughout the year) Tj ET Q q 0 0 0 rg BT 131.76 65.10 Td (. ) Tj ET Q q 0 0 0 rg BT 136.21 65.10 Td (A) Tj ET Q q 0 0 0 rg BT 142.69 65.10 Td (verage deposits increased 6%, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 701.10 Td (growth across regions. ) Tj ET Q q 0 0 0 rg BT 434.21 701.10 Td (A) Tj ET Q q 0 0 0 rg BT 440.69 701.10 Td (verage trade loans increased 4%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 689.10 Td (driven by growth in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 423.66 689.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.31 689.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 469.75 689.10 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.53 689.10 Td (.) 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 (Corporate lending) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.17 677.10 Td ( revenues increased 26%. Excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 665.10 Td (the impact of gains \(losses\) on loan hedges, revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 653.10 Td (increased 15%, driven by higher loan volumes and lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 641.10 Td (hedging costs. ) Tj ET Q q 0 0 0 rg BT 401.17 641.10 Td (A) Tj ET Q q 0 0 0 rg BT 407.64 641.10 Td (verage loans increased 9% versus the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 629.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 380.59 629.10 Td (.) Tj ET Q BT /F1 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 (Private bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.37 617.10 Td ( revenues increased 9%, driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 605.10 Td (underlying growth across all regions, reflecting improved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 593.10 Td (deposit spreads due to higher interest rates and higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 581.10 Td (managed investment revenues.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (W) Tj ET Q q 0 0 0 rg BT 333.04 557.10 Td (ithin ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 353.87 557.10 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.67 557.10 Td (: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 533.10 Td (Fixed income markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.30 533.10 Td ( revenues decreased 6%, driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 521.10 Td (lower revenues in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 415.58 521.10 Td (North ) Tj ET Q q 0 0 0 rg BT 441.24 521.10 Td (America ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.62 521.10 Td (and) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 492.06 521.10 Td ( ) Tj ET Q q 0 0 0 rg BT 494.38 521.10 Td (Asia.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.66 521.10 Td ( ) Tj ET Q q 0 0 0 rg BT 516.98 521.10 Td (The decrease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 509.10 Td (in revenues was due to lower net interest revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 497.10 Td (\(decrease of 16%\), as non-interest revenues were lar) Tj ET Q q 0 0 0 rg BT 551.16 497.10 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 485.10 Td (unchanged. ) Tj ET Q q 0 0 0 rg BT 390.13 485.10 Td (The decline in net interest revenues was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 473.10 Td (driven by rates and currencies as well as spread products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 461.10 Td (and other fixed income revenues, mainly reflecting a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 449.10 Td (change in the mix of trading positions in support of client ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 437.10 Td (activity) Tj ET Q q 0 0 0 rg BT 371.34 437.10 Td (, as well as higher funding costs, given the higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 425.10 Td (interest rate environment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.00 413.10 Td (Rates and currencies revenues decreased 5%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 401.10 Td (primarily driven by lower G10 rates revenues in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 536.94 401.10 Td (North ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 389.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.88 389.10 Td (,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 378.38 389.10 Td ( ) Tj ET Q q 0 0 0 rg BT 380.70 389.10 Td (Asia ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.97 389.10 Td (and) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 415.41 389.10 Td ( EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.57 389.10 Td (, reflecting lower client activity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 377.10 Td (given the uncertain macroenvironment and challenging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 365.10 Td (trading environment, and comparison to a strong prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 353.10 Td (year) Tj ET Q q 0 0 0 rg BT 358.81 353.10 Td (, particularly in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 422.67 353.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.33 353.10 Td (. ) Tj ET Q q 0 0 0 rg BT 454.15 353.10 Td (This decrease in revenues was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 341.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 385.97 341.10 Td (fset by higher G10 FX revenues, particularly in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 329.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.66 329.10 Td (, reflecting the continued benefit from the return of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 317.10 Td (volatility in FX markets as well as strong corporate and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 305.10 Td (investor client activity) Tj ET Q q 0 0 0 rg BT 430.77 305.10 Td (. Spread products and other fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 293.10 Td (income revenues decreased 8%, driven by ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 512.76 293.10 Td (North ) Tj ET Q q 0 0 0 rg BT 538.42 293.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 572.30 293.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 281.10 Td (primarily due to the challenging trading environment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 269.10 Td (characterized by widening spreads and lower investor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 257.10 Td (client activity) Tj ET Q q 0 0 0 rg BT 396.05 257.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 245.10 Td (Equity markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.26 245.10 Td ( revenues increased 19%. Excluding an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 233.10 Td (episodic loss in derivatives of approximately $130 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 221.10 Td (related to a single client event in the prior year) Tj ET Q q 0 0 0 rg BT 527.91 221.10 Td (, revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 209.10 Td (increased 14%, as growth in equity derivatives and prime ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 197.10 Td (finance was partially of) Tj ET Q q 0 0 0 rg BT 435.95 197.10 Td (fset by lower cash equities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 185.10 Td (revenues. Excluding the episodic loss in the prior year) Tj ET Q q 0 0 0 rg BT 558.48 185.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 173.10 Td (equity derivatives revenues increased in all regions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 161.10 Td (driven by strong investor and corporate client activity as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 149.10 Td (well as a more favorable market environment. Principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 137.10 Td (transaction revenues increased, partially of) Tj ET Q q 0 0 0 rg BT 513.13 137.10 Td (fset by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 125.10 Td (decrease in net interest revenue, mainly reflecting a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 113.10 Td (change in the mix of trading positions in support of client ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 101.10 Td (activity) Tj ET Q q 0 0 0 rg BT 371.34 101.10 Td (. Prime finance revenues increased, particularly in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 89.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.66 89.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 388.09 89.10 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.87 89.10 Td (, reflecting growth in client balances and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 77.10 Td (higher investor client activity) Tj ET Q q 0 0 0 rg BT 458.82 77.10 Td (. Cash equities revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 65.10 Td (decreased modestly) Tj ET Q q 0 0 0 rg BT 419.93 65.10 Td (, primarily driven by ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 505.19 65.10 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.97 65.10 Td (, due to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 53.10 Td (more challenging trading environment.) Tj ET Q endstream endobj 53 0 obj <> endobj 54 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (Securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.14 749.10 Td ( revenues increased 1) Tj ET Q q 0 0 0 rg BT 213.56 749.10 Td (1%. Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 737.10 Td (impact of FX translation, revenues increased 13%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 725.10 Td (reflecting continued strength in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 181.74 725.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.39 725.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 227.83 725.10 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.61 725.10 Td (. ) Tj ET Q q 0 0 0 rg BT 250.43 725.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 713.10 Td (increase in revenues was driven by higher fee revenues, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 701.10 Td (reflecting growth in client volumes, as well as higher net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 689.10 Td (interest revenue driven by higher deposit volumes and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 677.10 Td (higher interest rates.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 653.10 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.21 653.10 Td ( increased 3%, as higher compensation, volume-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (related expenses and continued investments were partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 629.10 Td (fset by ef) Tj ET Q q 0 0 0 rg BT 81.18 629.10 Td (ficiency savings. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 617.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 63.63 617.10 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.41 617.10 Td ( increased $199 million, driven by a net loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (loss reserve build of $12 million \(compared to a net release of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td ($380 million in the prior year\), partially of) Tj ET Q q 0 0 0 rg BT 206.33 593.10 Td (fset by a 53% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (decline in net credit losses. ) Tj ET Q q 0 0 0 rg BT 146.34 581.10 Td (The modest net loan loss reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (build was driven by volume-related reserve builds for both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (funded loans and unfunded lending commitments, despite ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (credit quality remaining stable) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 157.90 545.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.65 545.10 Td (during 2018.) Tj ET Q q 0 0 0 rg BT 213.08 545.10 Td (The decline in net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (credit losses was lar) Tj ET Q q 0 0 0 rg BT 116.07 533.10 Td (gely driven by the absence of a single ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (client event in the fourth quarter of 2017.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.00 497.10 Td ( vs. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.39 497.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 92.39 497.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.26 485.10 Td ( decreased 5%, reflecting the one-time impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.41 473.10 Td (ax Reform in 2017. Excluding the one-time impact of ) Tj ET Q q 0 0 0 rg BT 258.40 473.10 Td (T) Tj ET Q q 0 0 0 rg BT 263.81 473.10 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (Reform in 2017, net income increased 16%, primarily driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (by higher revenues and lower cost of credit, partially of) Tj ET Q q 0 0 0 rg BT 257.96 449.10 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (higher expenses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 419.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 419.10 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 419.10 Td ( increased 7%, reflecting a 16% increase in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 407.10 Td (Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.83 407.10 Td (\(including the losses on loan hedges\). Excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 395.10 Td (the impact of the losses on loan hedges, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 215.35 395.10 Td (Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.18 395.10 Td (revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 383.10 Td (increased 12%. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 117.58 383.10 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.38 383.10 Td ( revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 371.10 Td (were lar) Tj ET Q q 0 0 0 rg BT 86.29 371.10 Td (gely unchanged, as growth in securities services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 359.10 Td (revenues \(increase of 8%\) as well as the gain on the sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 347.10 Td (of the fixed income analytics business in 2017 were of) Tj ET Q q 0 0 0 rg BT 271.82 347.10 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 335.10 Td (by a 5% decrease in fixed income markets and a 2% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 323.10 Td (decrease in equity markets revenues.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 299.10 Td (W) Tj ET Q q 0 0 0 rg BT 45.04 299.10 Td (ithin ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 65.87 299.10 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.20 299.10 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 281.10 Td (Investment banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.03 281.10 Td ( revenues increased 21%, lar) Tj ET Q q 0 0 0 rg BT 246.52 281.10 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 269.10 Td (reflecting gains in wallet share and increased market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 257.10 Td (activity) Tj ET Q q 0 0 0 rg BT 83.34 257.10 Td (. ) Tj ET Q q 0 0 0 rg BT 87.79 257.10 Td (Advisory revenues increased 1) Tj ET Q q 0 0 0 rg BT 210.43 257.10 Td (1%, equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 245.10 Td (underwriting revenues increased 69% and debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 233.10 Td (underwriting revenues increased 13%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 221.10 Td (T) Tj ET Q q 0 0 0 rg BT 59.01 221.10 Td (r) Tj ET Q q 0 0 0 rg BT 62.53 221.10 Td (easury and trade solutions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.92 221.10 Td ( revenues increased 8%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 209.10 Td (Excluding the impact of FX translation, revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 197.10 Td (increased 7%, primarily due to continued growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 185.10 Td (transaction volumes and deposit balances and improved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 173.10 Td (spreads. ) Tj ET Q q 0 0 0 rg BT 88.81 173.10 Td (T) Tj ET Q q 0 0 0 rg BT 94.57 173.10 Td (rade revenues increased modestly) Tj ET Q q 0 0 0 rg BT 228.58 173.10 Td (, driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 161.10 Td (steady loan growth, partially of) Tj ET Q q 0 0 0 rg BT 179.06 161.10 Td (fset by an industry-wide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 149.10 Td (tightening of loan spreads. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 137.10 Td (Corporate lending) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.17 137.10 Td ( revenues increased 58%. Excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 125.10 Td (the impact of losses on loans hedges, revenues increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 113.10 Td (12%, driven by lower hedging costs and the absence of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 101.10 Td (prior) Tj ET Q q 0 0 0 rg BT 73.24 101.10 Td (-year adjustment to the residual value of a lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 89.10 Td (financing transaction.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 77.10 Td (Private bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.37 77.10 Td ( revenues increased 14%, primarily due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 65.10 Td (higher loan and deposit volumes, higher deposit spreads ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (and increased managed investments and capital markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 737.10 Td (activity) Tj ET Q q 0 0 0 rg BT 371.34 737.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (W) Tj ET Q q 0 0 0 rg BT 333.04 713.10 Td (ithin ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 353.87 713.10 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.67 713.10 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 695.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 695.10 Td (Fixed income markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.30 695.10 Td ( revenues decreased 5%, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 683.10 Td (due to low volatility as well as the comparison to higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 671.10 Td (revenues in the prior year from a more robust trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 659.10 Td (environment. ) Tj ET Q q 0 0 0 rg BT 397.36 659.10 Td (The decline in revenues was driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 647.10 Td (lower net interest revenue, lar) Tj ET Q q 0 0 0 rg BT 460.93 647.10 Td (gely due to higher funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 635.10 Td (costs and a change in the mix of trading positions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 623.10 Td (support of client activity) Tj ET Q q 0 0 0 rg BT 439.38 623.10 Td (. ) Tj ET Q q 0 0 0 rg BT 444.20 623.10 Td (The decline was partially of) Tj ET Q q 0 0 0 rg BT 555.64 623.10 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 611.10 Td (by higher principal transactions revenues and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 599.10 Td (commissions and fees revenues.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.00 587.10 Td (Rates and currencies revenues decreased 5%, driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 575.10 Td (by lower G10 rates and currencies revenues. Spread ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 563.10 Td (products and other fixed income revenues decreased 6%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 551.10 Td (due to a dif) Tj ET Q q 0 0 0 rg BT 387.08 551.10 Td (ficult trading environment in 2017 given low ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 539.10 Td (volatility) Tj ET Q q 0 0 0 rg BT 377.46 539.10 Td (, driving lower credit markets and commodities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 527.10 Td (revenues, partially of) Tj ET Q q 0 0 0 rg BT 426.51 527.10 Td (fset by higher municipals revenues, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 515.10 Td (as well as higher securitized markets revenues.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 503.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 503.10 Td (Equity markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.76 503.10 Td (revenues decreased 2%. Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 491.10 Td (episodic loss in derivatives of approximately $130 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 479.10 Td (related to a single client event in 2017, revenues increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 467.10 Td (3%, as continued growth in prime finance and delta one ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 455.10 Td (client balances and higher investor client activity were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 443.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 385.97 443.10 Td (fset by lower episodic activity with corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 431.10 Td (clients. Excluding the episodic loss in derivatives, equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 419.10 Td (derivatives revenues increased, driven by the stronger ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 407.10 Td (investor client activity) Tj ET Q q 0 0 0 rg BT 430.77 407.10 Td (. Cash equities revenues were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 395.10 Td (modestly higher as well, partially of) Tj ET Q q 0 0 0 rg BT 486.23 395.10 Td (fset by lower cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 383.10 Td (commissions, as clients continued to move toward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 371.10 Td (automated execution platforms across the industry) Tj ET Q q 0 0 0 rg BT 542.68 371.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 359.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 359.10 Td (Securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.14 359.10 Td ( revenues increased 8%. Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 347.10 Td (impact of the divestiture of a private equity fund services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 335.10 Td (business in 2016, revenues increased 12%, driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 323.10 Td (growth in client volumes and higher interest revenue due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 311.10 Td (to a more favorable rate environment.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 287.10 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.21 287.10 Td ( increased 4%, as higher compensation, volume-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 275.10 Td (related expenses and investments were partially of) Tj ET Q q 0 0 0 rg BT 525.41 275.10 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 263.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 263.10 Td (ficiency savings. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 251.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 351.63 251.10 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.41 251.10 Td ( improved $501 million, driven by a net loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 239.10 Td (loss release of $380 million \(compared to a net release of $30 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 227.10 Td (million in 2016\) and a 29% decline in net credit losses. ) Tj ET Q q 0 0 0 rg BT 546.55 227.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 215.10 Td (increase in net loan loss reserve releases was driven by an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 203.10 Td (improvement in the provision for unfunded lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 191.10 Td (commitments in the corporate loan portfolio, as well as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 179.10 Td (favorable credit environment, stability in commodity prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 167.10 Td (and continued improvement in the portfolio.) Tj ET Q q 0 0 0 rg BT 503.50 167.10 Td (The decline in net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 155.10 Td (credit losses was lar) Tj ET Q q 0 0 0 rg BT 404.07 155.10 Td (gely driven by improvement in the ener) Tj ET Q q 0 0 0 rg BT 562.18 155.10 Td (gy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 143.10 Td (sector) Tj ET Q q 0 0 0 rg BT 347.48 143.10 Td (, partially of) Tj ET Q q 0 0 0 rg BT 396.45 143.10 Td (fset by the impact of the single client event ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 131.10 Td (noted above. ) 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 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 and income taxes, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 78.30 703.90 Td (T) Tj ET Q q 0 0 0 rg BT 84.06 703.90 Td (reasury) Tj ET Q q 0 0 0 rg BT 112.84 703.90 Td (, certain ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 147.54 703.90 Td (North ) Tj ET Q q 0 0 0 rg BT 173.20 703.90 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.08 703.90 Td ( legacy consumer loan portfolios, other legacy assets and discontinued operations \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (additional information on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 140.70 691.90 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.48 691.90 Td (, see Citigroup Segments above\). ) Tj ET Q q 0 0 0 rg BT 351.50 691.90 Td (At December 31, 2018, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 447.59 691.90 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.37 691.90 Td ( had $91 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 679.90 Td (billion in assets, an increase of 17% from the prior year) Tj ET Q q 0 0 0 rg BT 257.32 679.90 Td (. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 646.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 646.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 646.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 646.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 646.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 646.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 618.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 618.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 618.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 618.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 618.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 618.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 590.40 235.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 590.40 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 590.40 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 590.40 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 590.40 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 590.40 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 561.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 561.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 561.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 561.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 561.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 561.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 533.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 533.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 533.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 533.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 533.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 533.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 505.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 505.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 505.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 505.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 505.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 505.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 477.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 477.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 477.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 477.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 477.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 477.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 442.40 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 442.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 442.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 442.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 442.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 442.40 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 35.5 646.4 m 270.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 646.4 m 514.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 646.4 m 331.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 646.4 m 392.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 646.4 m 453.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 646.4 m 575.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 618.4 m 270.5 618.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 618.4 m 331.5 618.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 618.4 m 392.5 618.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 618.4 m 453.5 618.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 618.4 m 575.5 618.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 604.4 m 270.5 604.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 618.4 m 331.5 618.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 604.4 m 331.5 604.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 618.4 m 392.5 618.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 604.4 m 392.5 604.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 618.4 m 453.5 618.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 604.4 m 453.5 604.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 618.4 m 514.5 618.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 604.4 m 514.5 604.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 618.4 m 575.5 618.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 604.4 m 575.5 604.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 590.4 m 270.5 590.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 590.4 m 331.5 590.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 590.4 m 392.5 590.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 590.4 m 453.5 590.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 590.4 m 514.5 590.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 590.4 m 575.5 590.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 533.4 m 270.5 533.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 533.4 m 331.5 533.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 533.4 m 392.5 533.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 533.4 m 453.5 533.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 533.4 m 575.5 533.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 519.4 m 270.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 519.4 m 331.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 519.4 m 392.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 519.4 m 453.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 533.4 m 514.5 533.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 519.4 m 575.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 519.4 m 514.5 519.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 491.4 m 270.5 491.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 491.4 m 331.5 491.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 491.4 m 392.5 491.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 491.4 m 453.5 491.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 491.4 m 575.5 491.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 491.4 m 331.5 491.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 491.4 m 392.5 491.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 491.4 m 453.5 491.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 491.4 m 514.5 491.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 491.4 m 575.5 491.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 463.4 m 270.5 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 463.4 m 331.5 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 463.4 m 392.5 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 463.4 m 453.5 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 463.4 m 514.5 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 463.4 m 575.5 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 428.4 m 270.5 428.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 428.4 m 331.5 428.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 428.4 m 392.5 428.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 428.4 m 453.5 428.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 428.4 m 575.5 428.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 414.4 m 270.5 414.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 414.4 m 331.5 414.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 414.4 m 392.5 414.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 414.4 m 453.5 414.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 428.4 m 514.5 428.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 414.4 m 514.5 414.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 414.4 m 575.5 414.4 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 650.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 650.85 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 650.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 650.86 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.10 659.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.95 650.85 Td (2018 vs. 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.85 659.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.95 650.86 Td (2017 vs. 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 636.86 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 636.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 636.85 Td (2,254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 636.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.75 636.86 Td (2,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 636.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 636.86 Td (3,045) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 636.85 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 636.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 636.86 Td (\(34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 636.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 622.86 Td (Non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.50 622.85 Td (\(171) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.00 622.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.75 622.86 Td (1,132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 622.86 Td (2,188) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 622.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 622.86 Td (\(48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 622.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 608.85 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 608.85 Td (otal r) Tj ET Q q 0 0 0 rg BT 63.84 608.85 Td (evenues, net of inter) Tj ET Q q 0 0 0 rg BT 140.66 608.85 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 608.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 608.85 Td (2,083) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 608.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.75 608.86 Td (3,132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 608.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 608.86 Td (5,233) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 608.85 Td (\(33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 608.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 608.86 Td (\(40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 608.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 594.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 594.86 Td (otal operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 594.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 594.85 Td (2,272) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 594.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.75 594.86 Td (3,814) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 594.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 594.86 Td (5,042) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 594.85 Td (\(40) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 594.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 594.86 Td (\(24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 594.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 579.86 Td (Net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 579.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 579.85 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 579.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 579.86 Td (149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 579.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 579.86 Td (435) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 579.85 Td (\(86) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 579.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 579.86 Td (\(66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 579.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 565.86 Td (Credit reserve build \(release\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.50 565.85 Td (\(218) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.00 565.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 565.86 Td (\(317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 565.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 565.86 Td (\(456) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 565.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 565.85 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 565.86 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 551.86 Td (Provision \(release\) for unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.50 551.85 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.00 551.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 551.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.50 551.86 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 551.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 551.85 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.00 551.86 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 537.86 Td (Provision for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.50 537.85 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.00 537.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 537.86 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 537.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 537.86 Td (98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 537.85 Td (71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 537.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 523.86 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 273.00 523.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.50 523.85 Td (\(202) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.00 523.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 523.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 523.86 Td (\(175) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 523.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 523.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 523.86 Td (69) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 523.85 Td (\(15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 523.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 523.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 509.86 Td (Income \(loss\) from continuing operations before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 509.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 509.85 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 509.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 509.86 Td (\(507) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 509.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 509.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 509.86 Td (122) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 509.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 509.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 495.86 Td (Income taxes \(benefits\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.50 495.85 Td (\(1) Tj ET Q q 0 0 0 rg BT 319.00 495.85 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.00 495.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 495.86 Td (19,064) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 495.86 Td (\(455) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 495.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 495.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 495.86 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 481.85 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 97.90 481.85 Td (om continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 481.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 481.85 Td (126) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 481.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 481.86 Td (\(19,571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 481.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 481.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 481.86 Td (577) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 481.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 481.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 467.86 Td (Income \(loss\) from discontinued operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.50 467.85 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.00 467.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 467.86 Td (\(1) Tj ET Q q 0 0 0 rg BT 380.00 467.86 Td (1) Tj ET Q q 0 0 0 rg BT 384.50 467.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 467.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 467.86 Td (\(58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 467.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 467.85 Td (93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 467.86 Td (\(91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 467.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 454.80 Td (Net income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 126.14 454.80 Td (e attribution of noncontr) Tj ET Q q 0 0 0 rg BT 221.23 454.80 Td (olling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 445.80 Td (inter) Tj ET Q q 0 0 0 rg BT 56.41 445.80 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 446.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 446.85 Td (1) Tj ET Q q 0 0 0 rg BT 319.00 446.85 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 446.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 446.86 Td (\(19,682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 446.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 446.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 446.86 Td (519) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 446.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 446.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 432.86 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 432.85 Td (1) Tj ET Q q 0 0 0 rg BT 323.50 432.85 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 432.86 Td (\(6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 432.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.50 432.86 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 432.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 432.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 432.86 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 418.85 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 418.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 418.85 Td (107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 418.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 418.86 Td (\(19,676) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 418.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 418.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 418.86 Td (521) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 418.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 418.86 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 397.30 Td (NM Not meaningful) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 373.30 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.00 373.30 Td ( vs. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.39 373.30 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 92.39 373.30 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 361.30 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.26 361.30 Td ( was $107 million in 2018, compared to a net loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 349.30 Td (of $19.7 billion in the prior year) Tj ET Q q 0 0 0 rg BT 164.18 349.30 Td (, primarily driven by the $19.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 337.30 Td (billion one-time, non-cash char) Tj ET Q q 0 0 0 rg BT 160.78 337.30 Td (ge recorded in the tax line in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 325.30 Td (2017 due to the impact of ) Tj ET Q q 0 0 0 rg BT 140.79 325.30 Td (T) Tj ET Q q 0 0 0 rg BT 146.21 325.30 Td (ax Reform. Results in 2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 313.30 Td (included the one-time benefit of $94 million in the tax line, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 301.30 Td (related to ) Tj ET Q q 0 0 0 rg BT 75.80 301.30 Td (T) Tj ET Q q 0 0 0 rg BT 81.21 301.30 Td (ax Reform. For additional information, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 289.30 Td (Significant ) Tj ET Q q 0 0 0 rg BT 86.27 289.30 Td (Accounting Policies and Significant Estimates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 277.30 Td (Income ) Tj ET Q q 0 0 0 rg BT 68.30 277.30 Td (T) Tj ET Q q 0 0 0 rg BT 73.71 277.30 Td (axes below) Tj ET Q q 0 0 0 rg BT 122.21 277.30 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 265.30 Td (Excluding the one-time impact of ) Tj ET Q q 0 0 0 rg BT 190.72 265.30 Td (T) Tj ET Q q 0 0 0 rg BT 196.13 265.30 Td (ax Reform in 2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 253.30 Td (and 2017, net income decreased 92%, reflecting lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 241.30 Td (revenues, partially of) Tj ET Q q 0 0 0 rg BT 120.51 241.30 Td (fset by lower expenses, lower cost of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 229.30 Td (credit and tax benefits related to the reor) Tj ET Q q 0 0 0 rg BT 197.69 229.30 Td (ganization of certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 217.30 Td (non-U.S. subsidiaries. ) Tj ET Q q 0 0 0 rg BT 126.65 217.30 Td (The tax benefits were lar) Tj ET Q q 0 0 0 rg BT 225.86 217.30 Td (gely of) Tj ET Q q 0 0 0 rg BT 253.73 217.30 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 205.30 Td (the release of a foreign currency translation adjustment \(CT) Tj ET Q q 0 0 0 rg BT 273.99 205.30 Td (A\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 193.30 Td (from ) Tj ET Q q 0 0 0 rg BT 57.39 193.30 Td (AOCI to earnings \(for additional information on the CT) Tj ET Q q 0 0 0 rg BT 279.87 193.30 Td (A) Tj ET Q q 0 0 0 rg BT 286.54 193.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 181.30 Td (release, see Note 19 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 169.30 Td (Statements\).) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.00 157.30 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.75 157.30 Td ( decreased 33%, driven by the continued wind-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 145.30 Td (down of legacy assets.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.00 133.30 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.21 133.30 Td ( decreased 40%, primarily driven by the wind-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 121.30 Td (down of legacy assets, lower infrastructure costs and lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 109.30 Td (legal expenses.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.00 97.30 Td (Pr) Tj ET Q q 0 0 0 rg BT 66.63 97.30 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.41 97.30 Td ( decreased $27 million to a net benefit of $202 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 85.30 Td (million, primarily due to lower net credit losses, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 73.30 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 73.30 Td (fset by a lower net loan loss reserve release. Net credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 61.30 Td (losses declined 86% to $21 million, primarily reflecting the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 49.30 Td (impact of ongoing divestiture activity and the continued wind-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 361.30 Td (down of the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 374.27 361.30 Td (North ) Tj ET Q q 0 0 0 rg BT 399.93 361.30 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.80 361.30 Td ( mortgage portfolio. ) Tj ET Q q 0 0 0 rg BT 516.38 361.30 Td (The net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 349.30 Td (reserve release declined by $96 million to $221 million, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 337.30 Td (reflected the continued wind-down of the legacy ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 520.31 337.30 Td (North ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 325.30 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.88 325.30 Td ( mortgage portfolio and divestitures.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 301.30 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 344.00 301.30 Td ( vs. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.39 301.30 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.39 301.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 289.30 Td (The ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.05 289.30 Td (net loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.33 289.30 Td ( was $19.7 billion, compared to net income of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 277.30 Td ($521 million in the prior year) Tj ET Q q 0 0 0 rg BT 441.63 277.30 Td (, primarily driven by the one-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 265.30 Td (time impact of ) Tj ET Q q 0 0 0 rg BT 384.63 265.30 Td (T) Tj ET Q q 0 0 0 rg BT 390.04 265.30 Td (ax Reform. Excluding the one-time impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 253.30 Td (T) Tj ET Q q 0 0 0 rg BT 329.41 253.30 Td (ax Reform, net income declined 69% to $168 million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 241.30 Td (reflecting lower revenues, partially of) Tj ET Q q 0 0 0 rg BT 474.59 241.30 Td (fset by lower expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 229.30 Td (and lower cost of credit. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 217.30 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.75 217.30 Td ( declined 40%, primarily reflecting the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 205.30 Td (continued wind-down of legacy assets and the absence of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 193.30 Td (gains related to debt buybacks in 2016. Revenues included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 181.30 Td (approximately $750 million in gains on asset sales in the first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 169.30 Td (quarter of 2017, which more than of) Tj ET Q q 0 0 0 rg BT 468.50 169.30 Td (fset a roughly $300 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 157.30 Td (million char) Tj ET Q q 0 0 0 rg BT 372.42 157.30 Td (ge related to the exit of Citi) Tj ET Q q 0 0 0 rg BT 485.16 157.30 Td (s U.S. mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 145.30 Td (servicing operations in the quarter) Tj ET Q q 0 0 0 rg BT 460.07 145.30 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 133.30 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.21 133.30 Td ( declined 24%, reflecting the wind-down of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 121.30 Td (legacy assets and lower legal expenses, partially of) Tj ET Q q 0 0 0 rg BT 527.63 121.30 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 109.30 Td (approximately $100 million in episodic expenses primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 97.30 Td (related to the exit of the U.S. mortgage servicing operations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 85.30 Td (Also included in expenses is an approximately $255 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 73.30 Td (provision for remediation costs related to a CARD ) Tj ET Q q 0 0 0 rg BT 527.85 73.30 Td (Act matter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 61.30 Td (in 2017. ) 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 33.60 Td (28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.50 749.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 66.13 749.10 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.91 749.10 Td ( decreased $244 million to a net benefit of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td ($175 million, primarily due to lower net credit losses and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (lower provision for benefits and claims, partially of) Tj ET Q q 0 0 0 rg BT 241.87 725.10 Td (fset by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (lower net loan loss reserve release. Net credit losses declined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (66%, primarily reflecting the impact of ongoing divestiture ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (activity and the continued wind-down of the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 215.68 689.10 Td (North ) Tj ET Q q 0 0 0 rg BT 241.34 689.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.21 689.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (mortgage portfolio. ) Tj ET Q q 0 0 0 rg BT 116.08 677.10 Td (The decline in the provision for benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (and claims was primarily due to lower insurance activity) Tj ET Q q 0 0 0 rg BT 261.95 665.10 Td (. ) Tj ET Q q 0 0 0 rg BT 266.77 665.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (net reserve release declined $147 million, and reflected the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (continued wind-down of the legacy ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 180.13 641.10 Td (North ) Tj ET Q q 0 0 0 rg BT 205.79 641.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.66 641.10 Td ( mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (portfolio and divestitures.) 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 (29) 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 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 645.90 Td (mortgage-backed and other asset-backed securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 633.90 Td (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 its customers in monetizing their financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 465.90 Td (assets and securing financing at more favorable rates than Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 453.90 Td (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 Note1 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 405.90 Td (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 Form10-K ) 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 147.50 339.40 141.00 -59.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 258.40 111.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.50 258.40 141.00 -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 288.5 339.4 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 288.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 258.4 m 147.5 258.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 235.39999999999998 m 147.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 258.4 m 288.5 258.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 235.39999999999998 m 288.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 235.39999999999998 m 147.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 212.39999999999998 m 147.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 235.39999999999998 m 288.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 212.39999999999998 m 288.5 212.39999999999998 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 330.66 Td (V) Tj ET Q q 0 0 0 rg BT 45.00 330.66 Td (ariable 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 Note21 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 Note26 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 39.00 249.66 Td (Guarantees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.00 249.66 Td (See Note26 to the Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.00 240.66 Td (Financial Statements.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 226.66 Td (Leases) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.00 226.66 Td (See Note26 to the Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.00 217.66 Td (Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET 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 (30) 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 BT /F2 10.00 Tf ET q 0 0 0 rg BT 90.98 711.90 Td ( ) 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 529.5 687.4 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 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 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 529.5 673.4 m 529.5 659.4 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 529.5 659.4 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 529.5 659.4 m 529.5 645.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 645.4 m 529.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 645.4 m 529.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 631.4 m 529.5 617.4 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 529.5 617.4 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 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 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 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 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 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 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 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 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 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 603.4 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 /F1 9.00 Tf ET q 0 0 0 rg BT 459.75 691.86 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 (2019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 677.86 Td (2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 677.86 Td (2021) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 677.86 Td (2022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.00 677.86 Td (2023) 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 (T) Tj ET Q q 0 0 0 rg BT 548.17 677.86 Td (otal) 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.25 663.86 Td (38,590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 663.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.25 663.86 Td (37,303) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.00 663.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 663.86 Td (28,542) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 663.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.25 663.86 Td (14,095) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 663.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.25 663.86 Td (19,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 663.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 663.86 Td (94,408) 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 (231,999) 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 (8,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.75 649.86 Td (6,763) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 649.86 Td (5,489) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 649.86 Td (4,664) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.75 649.86 Td (4,022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 649.86 Td (37,617) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 649.86 Td (66,787) 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 293.50 635.86 Td (925) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.50 635.86 Td (748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 635.86 Td (657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 635.86 Td (525) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.50 635.86 Td (394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.75 635.86 Td (1,890) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 635.86 Td (5,139) 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 (535) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.50 621.86 Td (494) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 621.86 Td (509) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 621.86 Td (501) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.50 621.86 Td (329) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.75 621.86 Td (1,024) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 621.86 Td (3,392) 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 (33,077) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.50 607.86 Td (523) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 607.86 Td (132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 607.86 Td (79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.00 607.86 Td (75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.75 607.86 Td (1,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 607.86 Td (35,604) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 593.85 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 593.85 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.00 593.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.25 593.85 Td (81,359) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 593.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.25 593.85 Td (45,831) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 593.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.25 593.85 Td (35,329) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 593.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.25 593.85 Td (19,864) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 593.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 593.85 Td (23,881) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 593.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 593.85 Td (136,657) 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 (342,921) 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 Liquidity RiskLong-T) Tj ET Q q 0 0 0 rg BT 343.62 570.70 Td (erm Debt below and Note 17 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 561.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 561.10 Td (Contractual obligations related to interest payments on long-term debt for ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.71 561.10 Td (2019) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 307.71 561.10 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 311.71 561.10 Td (2023) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 327.71 561.10 Td ( are calculated by applying the December 31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 474.54 561.10 Td (2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.54 561.10 Td ( weighted-average interest ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 551.50 Td (rate \(3.87%\) 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 513.47 551.50 Td (The Thereafter ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 541.90 Td (interest payments on long-term debt for the remaining years to maturity \(20242098\) 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 54.00 532.30 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 36.00 522.70 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 522.70 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 54.00 513.10 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 54.00 503.50 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 457.54 503.50 Td (, that impact is not included in the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 493.90 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 36.00 484.30 Td (\(4\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 484.30 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.89 484.30 Td ( reflected on Citigroup) Tj ET Q q 0 0 0 rg BT 179.75 484.30 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 54.00 474.70 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 415.86 474.70 Td (Also includes discretionary contributions in 2018 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 465.10 Td (for Citi) Tj ET Q q 0 0 0 rg BT 79.55 465.10 Td (s employee-defined benefit obligations for the pension, postretirement and post employment plans and defined contribution plans. ) 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 (31) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 72.45 747.90 Td (AL) Tj ET Q q 0 0 0 rg BT 88.45 747.90 Td ( RESOURCES ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 723.90 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 711.90 Td (Capital is used principally to support assets in Citi) Tj ET Q q 0 0 0 rg BT 239.87 711.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 699.90 Td (businesses and to absorb credit, market and operational losses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 687.90 Td (Citi primarily generates capital through earnings from its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 675.90 Td (operating businesses. Citi may augment its capital through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 663.90 Td (issuances of common stock, noncumulative perpetual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 651.90 Td (preferred stock and equity issued through awards under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 639.90 Td (employee benefit plans, among other issuances. Further) Tj ET Q q 0 0 0 rg BT 258.31 639.90 Td (, Citi) Tj ET Q q 0 0 0 rg BT 281.10 639.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 627.90 Td (capital levels may also be af) Tj ET Q q 0 0 0 rg BT 148.83 627.90 Td (fected by changes in accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 615.90 Td (and regulatory standards, as well as U.S. corporate tax laws ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 603.90 Td (and the impact of future events on Citi) Tj ET Q q 0 0 0 rg BT 192.90 603.90 Td (s business results, such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 591.90 Td (as changes in interest and foreign exchange rates, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 579.90 Td (business and asset dispositions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 567.90 Td (During 2018, Citi returned a total of $18.4 billion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 555.90 Td (capital to common shareholders in the form of share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 543.90 Td (repurchases \(approximately 212 million common shares\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 531.90 Td (dividends. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 507.90 Td (Capital Management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 495.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 495.90 Td (s capital management framework is designed to ensure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 483.90 Td (that Citigroup and its principal subsidiaries maintain suf) Tj ET Q q 0 0 0 rg BT 260.51 483.90 Td (ficient ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 471.90 Td (capital consistent with each entity) Tj ET Q q 0 0 0 rg BT 174.29 471.90 Td (s respective risk profile, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.90 Td (management tar) Tj ET Q q 0 0 0 rg BT 99.96 459.90 Td (gets and all applicable regulatory standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 447.90 Td (and guidelines. Citi assesses its capital adequacy against a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 435.90 Td (series of internal quantitative capital goals, designed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 423.90 Td (evaluate its capital levels in expected and stressed economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 411.90 Td (environments. Underlying these internal quantitative capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 399.90 Td (goals are strategic capital considerations, centered on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.90 Td (preserving and building financial strength. ) Tj ET Q q 0 0 0 rg BT 208.00 387.90 Td (The Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 375.90 Td (Capital Committee, with oversight from the Risk Management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 363.90 Td (Committee of Citigroup) Tj ET Q q 0 0 0 rg BT 134.88 363.90 Td (s Board of Directors, has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 351.90 Td (responsibility for Citi) Tj ET Q q 0 0 0 rg BT 124.89 351.90 Td (s aggregate capital structure, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 339.90 Td (the capital assessment and planning process, which is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 327.90 Td (integrated into Citi) Tj ET Q q 0 0 0 rg BT 114.32 327.90 Td (s capital plan. Balance sheet management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 315.90 Td (including oversight of capital adequacy) Tj ET Q q 0 0 0 rg BT 193.08 315.90 Td (, for Citigroup) Tj ET Q q 0 0 0 rg BT 253.35 315.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 303.90 Td (subsidiaries is governed by each entity) Tj ET Q q 0 0 0 rg BT 193.46 303.90 Td (s ) Tj ET Q q 0 0 0 rg BT 199.30 303.90 Td (Asset and Liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 291.90 Td (Committee, where applicable. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 279.90 Td (Based on Citigroup) Tj ET Q q 0 0 0 rg BT 134.55 279.90 Td (s current regulatory capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 267.90 Td (requirements, as well as consideration of potential future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 255.90 Td (changes to the U.S. Basel III rules, management currently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 243.90 Td (believes that a tar) Tj ET Q q 0 0 0 rg BT 106.06 243.90 Td (geted Common Equity ) Tj ET Q q 0 0 0 rg BT 198.93 243.90 Td (T) Tj ET Q q 0 0 0 rg BT 204.69 243.90 Td (ier 1 Capital ratio of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 231.90 Td (approximately 1) Tj ET Q q 0 0 0 rg BT 100.89 231.90 Td (1.5% represents the amount necessary to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 219.90 Td (prudently operate and invest in Citi) Tj ET Q q 0 0 0 rg BT 180.14 219.90 Td (s franchise, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 207.90 Td (when considering future growth plans, capital return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 195.90 Td (projections and other factors that may impact Citi) Tj ET Q q 0 0 0 rg BT 237.33 195.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 183.90 Td (businesses. However) Tj ET Q q 0 0 0 rg BT 119.47 183.90 Td (, management may revise Citigroup) Tj ET Q q 0 0 0 rg BT 265.27 183.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 171.90 Td (tar) Tj ET Q q 0 0 0 rg BT 46.37 171.90 Td (geted Common Equity ) Tj ET Q q 0 0 0 rg BT 139.23 171.90 Td (T) Tj ET Q q 0 0 0 rg BT 144.99 171.90 Td (ier 1 Capital ratio in response to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 159.90 Td (changing regulatory capital requirements as well as other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 147.90 Td (relevant factors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 135.90 Td (For additional information regarding Citi) Tj ET Q q 0 0 0 rg BT 221.19 135.90 Td (s capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 123.90 Td (planning and stress testing exercises, see Stress ) Tj ET Q q 0 0 0 rg BT 231.88 123.90 Td (T) Tj ET Q q 0 0 0 rg BT 237.29 123.90 Td (esting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 111.90 Td (Component of Capital Planning below) Tj ET Q q 0 0 0 rg BT 193.66 111.90 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 723.90 Td (Curr) Tj ET Q q 0 0 0 rg BT 345.48 723.90 Td (ent Regulatory Capital Standards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 711.90 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 324.00 699.90 Td (Federal Reserve Board, which constitute the U.S. Basel III ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 687.90 Td (rules. ) Tj ET Q q 0 0 0 rg BT 348.26 687.90 Td (These rules establish an integrated capital adequacy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 675.90 Td (framework, encompassing both risk-based capital ratios and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 663.90 Td (leverage ratios.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 639.90 Td (Risk-Based Capital Ratios) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 627.90 Td (The U.S. Basel III rules set forth the composition of regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 615.90 Td (capital \(including the application of regulatory capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 603.90 Td (adjustments and deductions\), as well as two comprehensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 591.90 Td (methodologies \(a Standardized ) Tj ET Q q 0 0 0 rg BT 449.80 591.90 Td (Approach and ) Tj ET Q q 0 0 0 rg BT 508.12 591.90 Td (Advanced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 579.90 Td (Approaches\) for measuring total risk-weighted assets. ) Tj ET Q q 0 0 0 rg BT 541.81 579.90 Td (T) Tj ET Q q 0 0 0 rg BT 547.22 579.90 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 567.90 Td (risk-weighted assets under the ) Tj ET Q q 0 0 0 rg BT 446.75 567.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 489.23 567.90 Td (Approaches, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 555.90 Td (are primarily models based, include credit, market, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 543.90 Td (operational risk-weighted assets. ) Tj ET Q q 0 0 0 rg BT 457.12 543.90 Td (The Standardized ) Tj ET Q q 0 0 0 rg BT 529.31 543.90 Td (Approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 531.90 Td (generally applies prescribed supervisory risk weights to broad ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 519.90 Td (categories of credit risk exposures. ) Tj ET Q q 0 0 0 rg BT 465.06 519.90 Td (As a result, credit risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 507.90 Td (weighted assets calculated under the ) Tj ET Q q 0 0 0 rg BT 471.45 507.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 513.93 507.90 Td (Approaches ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 495.90 Td (are more risk sensitive than those calculated under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 483.90 Td (Standardized ) Tj ET Q q 0 0 0 rg BT 378.15 483.90 Td (Approach. Market risk-weighted assets are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 471.90 Td (currently calculated on a generally consistent basis under both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 459.90 Td (approaches. ) Tj ET Q q 0 0 0 rg BT 373.79 459.90 Td (The Standardized ) Tj ET Q q 0 0 0 rg BT 445.99 459.90 Td (Approach excludes operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 447.90 Td (risk-weighted assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 435.90 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 324.00 423.90 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 392.71 423.90 Td (T) Tj ET Q q 0 0 0 rg BT 398.47 423.90 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 452.72 423.90 Td (T) Tj ET Q q 0 0 0 rg BT 458.47 423.90 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 527.16 423.90 Td (T) Tj ET Q q 0 0 0 rg BT 532.57 423.90 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 411.90 Td (Capital ratios for substantially all U.S. banking or) Tj ET Q q 0 0 0 rg BT 522.96 411.90 Td (ganizations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 399.90 Td (including Citi and Citibank, N.A. \(Citibank\). Moreover) Tj ET Q q 0 0 0 rg BT 545.24 399.90 Td (, these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 387.90 Td (rules provide for both a fixed 2.5% Capital Conservation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 375.90 Td (Buf) Tj ET Q q 0 0 0 rg BT 338.82 375.90 Td (fer and, for ) Tj ET Q q 0 0 0 rg BT 385.46 375.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 427.95 375.90 Td (Approaches banking or) Tj ET Q q 0 0 0 rg BT 521.08 375.90 Td (ganizations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 363.90 Td (such as Citi and Citibank, a discretionary Countercyclical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 351.90 Td (Capital Buf) Tj ET Q q 0 0 0 rg BT 370.20 351.90 Td (fer) Tj ET Q q 0 0 0 rg BT 380.75 351.90 Td (. ) Tj ET Q q 0 0 0 rg BT 385.57 351.90 Td (These capital buf) Tj ET Q q 0 0 0 rg BT 454.24 351.90 Td (fers would be available to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 339.90 Td (absorb losses in advance of any potential impairment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 327.90 Td (regulatory capital below the stated minimum risk-based capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 315.90 Td (ratio requirements. ) Tj ET Q q 0 0 0 rg BT 401.48 315.90 Td (Any breach of the buf) Tj ET Q q 0 0 0 rg BT 489.04 315.90 Td (fers to absorb losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 303.90 Td (during periods of financial or economic stress would result in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 291.90 Td (restrictions on earnings distributions \(e.g., dividends, equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 279.90 Td (repurchases, and discretionary executive bonuses\), with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 267.90 Td (degree of such restrictions based upon the extent to which the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 255.90 Td (buf) Tj ET Q q 0 0 0 rg BT 337.15 255.90 Td (fers are breached. ) Tj ET Q q 0 0 0 rg BT 410.25 255.90 Td (The Federal Reserve Board last voted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 243.90 Td (af) Tj ET Q q 0 0 0 rg BT 331.59 243.90 Td (firm the Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 478.03 243.90 Td (fer amount at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 231.90 Td (current level of 0% in December 2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 219.90 Td (Further) Tj ET Q q 0 0 0 rg BT 371.04 219.90 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 324.00 207.90 Td (floor provision of the so-called Collins ) Tj ET Q q 0 0 0 rg BT 490.08 207.90 Td (Amendment of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 195.90 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 374.83 195.90 Td (Act, which requires ) Tj ET Q q 0 0 0 rg BT 455.36 195.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 497.85 195.90 Td (Approaches ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 183.90 Td (banking or) Tj ET Q q 0 0 0 rg BT 366.87 183.90 Td (ganizations to calculate each of the three risk-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 171.90 Td (capital ratios \(Common Equity ) Tj ET Q q 0 0 0 rg BT 449.91 171.90 Td (T) Tj ET Q q 0 0 0 rg BT 455.67 171.90 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 509.91 171.90 Td (T) Tj ET Q q 0 0 0 rg BT 515.67 171.90 Td (ier 1 Capital, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 159.90 Td (and ) Tj ET Q q 0 0 0 rg BT 340.76 159.90 Td (T) Tj ET Q q 0 0 0 rg BT 346.17 159.90 Td (otal Capital\) under both the U.S. Basel III Standardized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 147.90 Td (Approach and the ) Tj ET Q q 0 0 0 rg BT 397.03 147.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 439.52 147.90 Td (Approaches and comply with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 135.90 Td (lower of each of the resulting risk-based capital ratios.) 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 (32) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (GSIB Surcharge) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The Federal Reserve Board imposes a risk-based capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (surchar) Tj ET Q q 0 0 0 rg BT 65.25 725.25 Td (ge upon U.S. bank holding companies that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (identified as global systemically important bank holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (companies \(GSIBs\), including Citi. ) Tj ET Q q 0 0 0 rg BT 179.70 701.25 Td (The GSIB surchar) Tj ET Q q 0 0 0 rg BT 252.27 701.25 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (augments the Capital Conservation Buf) Tj ET Q q 0 0 0 rg BT 193.57 689.25 Td (fer and, if invoked, any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 148.01 677.25 Td (fer) Tj ET Q q 0 0 0 rg BT 158.55 677.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 665.25 Td (Under the Federal Reserve Board) Tj ET Q q 0 0 0 rg BT 190.62 665.25 Td (s rule, identification of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (a GSIB is based on the Basel Committee on Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (Supervision) Tj ET Q q 0 0 0 rg BT 86.56 641.25 Td (s \(Basel Committee\) GSIB methodology) Tj ET Q q 0 0 0 rg BT 248.67 641.25 Td (, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (primarily looks to five equally weighted broad categories of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (systemic importance: \(i\) size, \(ii\) interconnectedness, \(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (cross-jurisdictional activity) Tj ET Q q 0 0 0 rg BT 144.49 605.25 Td (, \(iv\) substitutability and \(v\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (complexity) Tj ET Q q 0 0 0 rg BT 80.34 593.25 Td (. ) Tj ET Q q 0 0 0 rg BT 85.16 593.25 Td (W) Tj ET Q q 0 0 0 rg BT 94.20 593.25 Td (ith the exception of size, each of the other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (categories is composed of multiple indicators, also of equal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (weight, and amounting to 12 indicators in total. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 557.25 Td (A) Tj ET Q q 0 0 0 rg BT 60.67 557.25 Td ( U.S. bank holding company that is designated a GSIB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (is required, on an annual basis, to calculate a surchar) Tj ET Q q 0 0 0 rg BT 246.57 545.25 Td (ge using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (two methods and is subject to the higher of the resulting two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (surchar) Tj ET Q q 0 0 0 rg BT 65.25 521.25 Td (ges. ) Tj ET Q q 0 0 0 rg BT 83.40 521.25 Td (The first method \(method 1\) is based on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (Basel Committee) Tj ET Q q 0 0 0 rg BT 107.93 509.25 Td (s GSIB methodology described above. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (Under the second method \(method 2\), the substitutability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (category is replaced with a quantitative measure intended to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (assess a GSIB) Tj ET Q q 0 0 0 rg BT 95.44 473.25 Td (s reliance on short-term wholesale funding. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (addition, method 1 incorporates relative measures of systemic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (importance across certain global banking or) Tj ET Q q 0 0 0 rg BT 211.03 449.25 Td (ganizations and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (year) Tj ET Q q 0 0 0 rg BT 53.01 437.25 Td (-end spot foreign exchange rate, whereas method 2 uses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (fixed measures of systemic importance and application of an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (average foreign exchange rate over a three-year period. ) Tj ET Q q 0 0 0 rg BT 259.30 413.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (GSIB surchar) Tj ET Q q 0 0 0 rg BT 90.53 401.25 Td (ges calculated under both method 1 and method ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (2 are based on measures of systemic importance from the year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (immediately preceding that in which the GSIB surchar) Tj ET Q q 0 0 0 rg BT 254.37 377.25 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (calculations are being performed \(e.g., the method 1 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (method 2 GSIB surchar) Tj ET Q q 0 0 0 rg BT 130.53 353.25 Td (ges to be calculated by December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (2019 will be based on 2018 systemic indicator data\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (Generally) Tj ET Q q 0 0 0 rg BT 74.77 329.25 Td (, Citi) Tj ET Q q 0 0 0 rg BT 97.56 329.25 Td (s surchar) Tj ET Q q 0 0 0 rg BT 133.20 329.25 Td (ge determined under method 2 will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (result in a higher surchar) Tj ET Q q 0 0 0 rg BT 135.23 317.25 Td (ge than its surchar) Tj ET Q q 0 0 0 rg BT 208.08 317.25 Td (ge determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (under method 1.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 293.25 Td (Should a GSIB) Tj ET Q q 0 0 0 rg BT 117.34 293.25 Td (s systemic importance change year) Tj ET Q q 0 0 0 rg BT 256.53 293.25 Td (-over) Tj ET Q q 0 0 0 rg BT 277.43 293.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (year such that it becomes subject to a higher surchar) Tj ET Q q 0 0 0 rg BT 244.91 281.25 Td (ge, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (higher surchar) Tj ET Q q 0 0 0 rg BT 93.29 269.25 Td (ge would not become ef) Tj ET Q q 0 0 0 rg BT 189.19 269.25 Td (fective for a full year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (\(e.g., a higher surchar) Tj ET Q q 0 0 0 rg BT 123.00 257.25 Td (ge calculated by December 31, 2019 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (would not become ef) Tj ET Q q 0 0 0 rg BT 119.96 245.25 Td (fective until January 1, 2021\). However) Tj ET Q q 0 0 0 rg BT 278.68 245.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (if a GSIB) Tj ET Q q 0 0 0 rg BT 77.11 233.25 Td (s systemic importance changes such that the GSIB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (would be subject to a lower surchar) Tj ET Q q 0 0 0 rg BT 178.00 221.25 Td (ge, the GSIB would be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (subject to the lower surchar) Tj ET Q q 0 0 0 rg BT 146.34 209.25 Td (ge beginning with the next ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (calendar year \(e.g., a lower surchar) Tj ET Q q 0 0 0 rg BT 176.29 197.25 Td (ge calculated by December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (31, 2019 would become ef) Tj ET Q q 0 0 0 rg BT 142.18 185.25 Td (fective January 1, 2020\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (The following table sets forth Citi) Tj ET Q q 0 0 0 rg BT 480.59 749.10 Td (s GSIB surchar) Tj ET Q q 0 0 0 rg BT 541.51 749.10 Td (ge as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (determined under method 1 and method 2 for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.84 737.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.84 737.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.28 737.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 567.28 737.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 712.60 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 712.60 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 712.60 84.00 -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 323.5 712.6 m 407.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 712.6 m 491.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 712.6 m 575.5 712.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 684.6 m 407.5 684.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 684.6 m 491.5 684.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 684.6 m 575.5 684.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 717.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 717.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 703.06 Td (Method 1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.75 703.05 Td (2.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 703.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 703.06 Td (2.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 703.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 689.06 Td (Method 2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.75 689.05 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 689.06 Td (3.0) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 661.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 661.10 Td (s GSIB surchar) Tj ET Q q 0 0 0 rg BT 420.71 661.10 Td (ge ef) Tj ET Q q 0 0 0 rg BT 440.23 661.10 Td (fective for both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.37 661.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.37 661.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.81 661.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.81 661.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 649.10 Td (was 3.0%, as derived under the higher method 2 result. Citi) Tj ET Q q 0 0 0 rg BT 564.22 649.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 637.10 Td (GSIB surchar) Tj ET Q q 0 0 0 rg BT 378.53 637.10 Td (ge ef) Tj ET Q q 0 0 0 rg BT 398.06 637.10 Td (fective for 2019 will remain unchanged at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 625.10 Td (3.0%, as derived under the higher method 2 result. Citi expects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 613.10 Td (that its method 2 GSIB surchar) Tj ET Q q 0 0 0 rg BT 447.97 613.10 Td (ge will continue to remain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 601.10 Td (higher than its method 1 GSIB surchar) Tj ET Q q 0 0 0 rg BT 478.24 601.10 Td (ge and, as such, Citi) Tj ET Q q 0 0 0 rg BT 561.56 601.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 589.10 Td (GSIB surchar) Tj ET Q q 0 0 0 rg BT 378.53 589.10 Td (ge ef) Tj ET Q q 0 0 0 rg BT 398.06 589.10 Td (fective for 2020 will not exceed 3.0%, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 577.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 577.10 Td (s GSIB surchar) Tj ET Q q 0 0 0 rg BT 402.71 577.10 Td (ge ef) Tj ET Q q 0 0 0 rg BT 422.23 577.10 Td (fective for 2021 is not expected to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 565.10 Td (exceed 3.0%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 553.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 541.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.74 541.10 Td (ransition Provisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 529.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 362.77 529.10 Td (, the U.S. Basel III rules contain several dif) Tj ET Q q 0 0 0 rg BT 535.60 529.10 Td (fering, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 517.10 Td (lar) Tj ET Q q 0 0 0 rg BT 334.37 517.10 Td (gely multi-year transition provisions, with various phase-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 505.10 Td (ins and phase-outs. Moreover) Tj ET Q q 0 0 0 rg BT 455.22 505.10 Td (, the GSIB surchar) Tj ET Q q 0 0 0 rg BT 529.47 505.10 Td (ge, Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 493.10 Td (Conservation Buf) Tj ET Q q 0 0 0 rg BT 394.64 493.10 Td (fer) Tj ET Q q 0 0 0 rg BT 405.34 493.10 Td (, and any Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 556.23 493.10 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 481.10 Td (\(currently 0%\) commenced phase-in on January 1, 2016, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 469.10 Td (becoming fully ef) Tj ET Q q 0 0 0 rg BT 394.91 469.10 Td (fective on January 1, 2019. However) Tj ET Q q 0 0 0 rg BT 541.96 469.10 Td (, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 457.10 Td (the exception of the non-grandfathered trust preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 445.10 Td (securities, which do not fully phase-out of ) Tj ET Q q 0 0 0 rg BT 494.89 445.10 Td (T) Tj ET Q q 0 0 0 rg BT 500.65 445.10 Td (ier 2 Capital until ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 433.10 Td (January 1, 2022, and the capital buf) Tj ET Q q 0 0 0 rg BT 466.55 433.10 Td (fers and GSIB surchar) Tj ET Q q 0 0 0 rg BT 555.51 433.10 Td (ge, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 421.10 Td (which do not fully phase-in until January 1, 2019, all other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 409.10 Td (transition provisions have occurred and were entirely reflected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 397.10 Td (in Citi) Tj ET Q q 0 0 0 rg BT 352.06 397.10 Td (s regulatory capital ratios beginning January 1, 2018. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 385.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 373.34 385.10 Td (, commencing with 2018, Citi is presenting a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 373.10 Td (single set of regulatory capital components and ratios, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 361.10 Td (reflecting current regulatory capital standards in ef) Tj ET Q q 0 0 0 rg BT 526.50 361.10 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 349.10 Td (throughout 2018. Citi previously disclosed its Basel III risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 337.10 Td (based capital and leverage ratios and related components ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 325.10 Td (reflecting Basel III transition arrangements with respect to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 313.10 Td (regulatory capital adjustments and deductions, as well as full ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 301.10 Td (implementation, in Citi) Tj ET Q q 0 0 0 rg BT 419.83 301.10 Td (s 2017 ) Tj ET Q q 0 0 0 rg BT 448.17 301.10 Td (Annual Report on Form 10-K; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 289.10 Td (however) Tj ET Q q 0 0 0 rg BT 358.03 289.10 Td (, beginning January 1, 2018, that distinction is no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 277.10 Td (longer relevant.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 265.10 Td (The following chart sets forth the transitional progression ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 253.10 Td (from January 1, 2017 to full implementation by January 1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 241.10 Td (2019 of the regulatory capital components comprising the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 229.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 229.10 Td (fective minimum risk-based capital ratios. ) 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 (33) 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 576.5 755.5 l s BT /F6 10.00 Tf ET q 0 0 0 rg BT 39.00 744.12 Td (Basel III T) Tj ET Q q 0 0 0 rg BT 85.13 744.12 Td (ransition ) Tj ET Q q 0 0 0 rg BT 129.77 744.12 Td (Arrangements: Minimum Risk-Based Capital Ratios) Tj ET Q /GS0 gs q 540.00 0 0 284.80 36.00 450.24 cm /I21 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 426.25 Td (For additional information regarding the transition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 414.25 Td (arrangements under the U.S. Basel III rules, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 402.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 402.25 Td (s and Citibank) Tj ET Q q 0 0 0 rg BT 137.67 402.25 Td (s capital resources reflecting Basel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 390.25 Td (III transition arrangements as of December 31, 2017, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 378.25 Td (Capital ResourcesCurrent Regulatory Capital Standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 366.25 Td (in Citigroup) Tj ET Q q 0 0 0 rg BT 87.39 366.25 Td (s 2017 ) Tj ET Q q 0 0 0 rg BT 115.73 366.25 Td (Annual Report on Form 10-K. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 342.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.74 342.25 Td (ier 1 Leverage Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 330.25 Td (Under the U.S. Basel III rules, Citi is also required to maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 318.25 Td (a minimum ) Tj ET Q q 0 0 0 rg BT 84.15 318.25 Td (T) Tj ET Q q 0 0 0 rg BT 89.91 318.25 Td (ier 1 Leverage ratio of 4.0%. ) Tj ET Q q 0 0 0 rg BT 207.45 318.25 Td (The ) Tj ET Q q 0 0 0 rg BT 225.32 318.25 Td (T) Tj ET Q q 0 0 0 rg BT 231.07 318.25 Td (ier 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 306.25 Td (Leverage ratio, a non-risk-based measure of capital adequacy) Tj ET Q q 0 0 0 rg BT 280.79 306.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 294.25 Td (is defined as ) Tj ET Q q 0 0 0 rg BT 88.30 294.25 Td (T) Tj ET Q q 0 0 0 rg BT 94.06 294.25 Td (ier 1 Capital as a percentage of quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 282.25 Td (adjusted average total assets less amounts deducted from ) Tj ET Q q 0 0 0 rg BT 265.75 282.25 Td (T) Tj ET Q q 0 0 0 rg BT 271.51 282.25 Td (ier ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 270.25 Td (1 Capital. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 426.25 Td (Supplementary Leverage Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 414.25 Td (Citi is also required to calculate a Supplementary Leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 402.25 Td (ratio, which dif) Tj ET Q q 0 0 0 rg BT 385.19 402.25 Td (fers from the ) Tj ET Q q 0 0 0 rg BT 439.16 402.25 Td (T) Tj ET Q q 0 0 0 rg BT 444.91 402.25 Td (ier 1 Leverage ratio by also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 390.25 Td (including certain of) Tj ET Q q 0 0 0 rg BT 402.13 390.25 Td (f-balance sheet exposures within the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 378.25 Td (denominator of the ratio \(T) Tj ET Q q 0 0 0 rg BT 432.15 378.25 Td (otal Leverage Exposure\). ) Tj ET Q q 0 0 0 rg BT 535.26 378.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 366.25 Td (Supplementary Leverage ratio represents end of period ) Tj ET Q q 0 0 0 rg BT 546.23 366.25 Td (T) Tj ET Q q 0 0 0 rg BT 551.99 366.25 Td (ier 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 354.25 Td (Capital to ) Tj ET Q q 0 0 0 rg BT 365.48 354.25 Td (T) Tj ET Q q 0 0 0 rg BT 370.89 354.25 Td (otal Leverage Exposure, with the latter defined as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 342.25 Td (the sum of the daily average of on-balance sheet assets for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 330.25 Td (quarter and the average of certain of) Tj ET Q q 0 0 0 rg BT 468.74 330.25 Td (f-balance sheet exposures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 318.25 Td (calculated as of the last day of each month in the quarter) Tj ET Q q 0 0 0 rg BT 549.34 318.25 Td (, less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 306.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 367.41 306.25 Td (T) Tj ET Q q 0 0 0 rg BT 373.17 306.25 Td (ier 1 Capital deductions. Ef) Tj ET Q q 0 0 0 rg BT 482.68 306.25 Td (fective January 1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 294.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 348.45 294.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 390.93 294.25 Td (Approaches banking or) Tj ET Q q 0 0 0 rg BT 484.06 294.25 Td (ganizations are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 282.25 Td (required to maintain a stated minimum Supplementary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 270.25 Td (Leverage ratio of 3.0%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 258.25 Td (Further) Tj ET Q q 0 0 0 rg BT 371.04 258.25 Td (, U.S. GSIBs, including Citi, are subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 246.25 Td (enhanced Supplementary Leverage ratio standards. ) Tj ET Q q 0 0 0 rg BT 530.40 246.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 234.25 Td (enhanced Supplementary Leverage ratio standards establish a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 222.25 Td (2.0% leverage buf) Tj ET Q q 0 0 0 rg BT 396.84 222.25 Td (fer in addition to the stated 3.0% minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 210.25 Td (Supplementary Leverage ratio requirement, for a total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 198.25 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 198.25 Td (fective minimum Supplementary Leverage ratio requirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 186.25 Td (of 5.0%. Ef) Tj ET Q q 0 0 0 rg BT 369.92 186.25 Td (fective January 1, 2018, if a U.S. GSIB fails to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 174.25 Td (exceed the 2.0% buf) Tj ET Q q 0 0 0 rg BT 405.45 174.25 Td (fer) Tj ET Q q 0 0 0 rg BT 416.15 174.25 Td (, it will be subject to increasingly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 162.25 Td (onerous restrictions \(depending upon the extent of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 150.25 Td (shortfall\) regarding capital distributions and discretionary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 138.25 Td (executive bonus payments. ) Tj ET Q 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 (34) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Prompt Corrective ) Tj ET Q q 0 0 0 rg BT 113.95 749.25 Td (Action Framework) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (In general, the Prompt Corrective ) Tj ET Q q 0 0 0 rg BT 172.07 737.25 Td (Action \(PCA\) regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (direct the U.S. banking agencies to enforce increasingly strict ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (limitations on the activities of insured depository institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (that fail to meet certain regulatory capital thresholds. ) Tj ET Q q 0 0 0 rg BT 249.91 701.25 Td (The PCA) Tj ET Q q 0 0 0 rg BT 286.85 701.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (framework contains five categories of capital adequacy as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (measured by risk-based capital and leverage ratios: \(i\) well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (capitalized, \(ii\) adequately capitalized, \(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (undercapitalized, \(iv\) significantly undercapitalized, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (\(v\) critically undercapitalized.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 629.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 103.34 629.25 Td (, an insured depository institution, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (Citibank, must maintain minimum Common Equity ) Tj ET Q q 0 0 0 rg BT 244.98 617.25 Td (T) Tj ET Q q 0 0 0 rg BT 250.74 617.25 Td (ier 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (Capital, ) Tj ET Q q 0 0 0 rg BT 69.70 605.25 Td (T) Tj ET Q q 0 0 0 rg BT 75.46 605.25 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 129.71 605.25 Td (T) Tj ET Q q 0 0 0 rg BT 135.12 605.25 Td (otal Capital, and ) Tj ET Q q 0 0 0 rg BT 203.25 605.25 Td (T) Tj ET Q q 0 0 0 rg BT 209.01 605.25 Td (ier 1 Leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (ratios of 6.5%, 8.0%, 10.0% and 5.0%, respectively) Tj ET Q q 0 0 0 rg BT 241.97 593.25 Td (, to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (considered well capitalized. ) Tj ET Q q 0 0 0 rg BT 158.16 581.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 208.07 581.25 Td (, insured depository ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (institution subsidiaries of U.S. GSIBs, including Citibank, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (must maintain a minimum Supplementary Leverage ratio of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (6.0%, ef) Tj ET Q q 0 0 0 rg BT 69.42 545.25 Td (fective January 1, 2018, to be considered well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (capitalized.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (Stress T) Tj ET Q q 0 0 0 rg BT 68.14 509.25 Td (esting Component of Capital Planning) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (Citi is subject to an annual assessment by the Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (Board as to whether Citigroup has ef) Tj ET Q q 0 0 0 rg BT 183.01 485.25 Td (fective capital planning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (processes as well as suf) Tj ET Q q 0 0 0 rg BT 130.24 473.25 Td (ficient regulatory capital to absorb ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (losses during stressful economic and financial conditions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (while also meeting obligations to creditors and counterparties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (and continuing to serve as a credit intermediary) Tj ET Q q 0 0 0 rg BT 225.56 437.25 Td (. ) Tj ET Q q 0 0 0 rg BT 230.38 437.25 Td (This annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (assessment includes two related programs: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 407.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 407.25 Td (The Comprehensive Capital ) Tj ET Q q 0 0 0 rg BT 168.14 407.25 Td (Analysis and Review ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 395.25 Td (\(CCAR\) evaluates Citi) Tj ET Q q 0 0 0 rg BT 147.88 395.25 Td (s capital adequacy) Tj ET Q q 0 0 0 rg BT 220.52 395.25 Td (, capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 383.25 Td (adequacy process, and its planned capital distributions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 371.25 Td (such as dividend payments and common stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 359.25 Td (repurchases. ) Tj ET Q q 0 0 0 rg BT 105.65 359.25 Td (As part of CCAR, the Federal Reserve Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 347.25 Td (assesses whether Citi has suf) Tj ET Q q 0 0 0 rg BT 169.36 347.25 Td (ficient capital to continue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 335.25 Td (operations throughout times of economic and financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 323.25 Td (market stress and whether Citi has robust, forward-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 311.25 Td (looking capital planning processes that account for its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 299.25 Td (unique risks. ) Tj ET Q q 0 0 0 rg BT 107.43 299.25 Td (The Federal Reserve Board may object to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 287.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 287.25 Td (s annual capital plan based on either quantitative or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 275.25 Td (qualitative grounds. If the Federal Reserve Board objects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 263.25 Td (to Citi) Tj ET Q q 0 0 0 rg BT 82.06 263.25 Td (s annual capital plan, Citi may not undertake any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 251.25 Td (capital distribution unless the Federal Reserve Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 239.25 Td (indicates in writing that it does not object to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 227.25 Td (distribution. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 215.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 215.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 104.83 215.25 Td (Act Stress ) Tj ET Q q 0 0 0 rg BT 147.98 215.25 Td (T) Tj ET Q q 0 0 0 rg BT 153.39 215.25 Td (esting \(DF) Tj ET Q q 0 0 0 rg BT 195.15 215.25 Td (AST\) is a forward-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 203.25 Td (looking quantitative evaluation of the impact of stressful ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 191.25 Td (economic and financial market conditions on Citi) Tj ET Q q 0 0 0 rg BT 254.50 191.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 179.25 Td (regulatory capital. ) Tj ET Q q 0 0 0 rg BT 129.06 179.25 Td (This program serves to inform the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 167.25 Td (Federal Reserve Board and the general public as to how ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 155.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 155.25 Td (s regulatory capital ratios might change using a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 143.25 Td (hypothetical set of adverse economic conditions as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 131.25 Td (designed by the Federal Reserve Board. In addition to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 119.25 Td (annual supervisory stress test conducted by the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 107.25 Td (Reserve Board, Citi is required to conduct annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 95.25 Td (company-run stress tests under the same adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 83.25 Td (economic conditions designed by the Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 71.25 Td (Board, as well as conduct a mid-cycle stress test under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 59.25 Td (company-developed scenarios.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (Both CCAR and DF) Tj ET Q q 0 0 0 rg BT 422.66 749.10 Td (AST) Tj ET Q q 0 0 0 rg BT 441.37 749.10 Td ( include an estimate of projected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (revenues, losses, reserves, pro forma regulatory capital ratios, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (and any other additional capital measures deemed relevant by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Citi. Projections are required over a nine-quarter planning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (horizon under three supervisory scenarios \(baseline, adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (and severely adverse conditions\). ) Tj ET Q q 0 0 0 rg BT 459.23 689.10 Td (All risk-based capital ratios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (reflect application of the Standardized ) Tj ET Q q 0 0 0 rg BT 478.66 677.10 Td (Approach framework ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (under the U.S. Basel III rules. Moreover) Tj ET Q q 0 0 0 rg BT 484.94 665.10 Td (, the Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Board has deferred the use of the ) Tj ET Q q 0 0 0 rg BT 458.12 653.10 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 500.60 653.10 Td (Approaches ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (framework indefinitely) Tj ET Q q 0 0 0 rg BT 415.82 641.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 629.10 Td (For additional information regarding CCAR, see Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (FactorsStrategic Risks below) Tj ET Q q 0 0 0 rg BT 454.44 617.10 Td (. For additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (on potential changes to the stress testing component of capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (planning and assessment process applicable to Citi, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (Regulatory Capital Standards Developments below) Tj ET Q q 0 0 0 rg BT 537.18 581.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 569.10 Td (In addition, Citibank is required to conduct the annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 374.83 557.10 Td (Act Stress ) Tj ET Q q 0 0 0 rg BT 417.98 557.10 Td (T) Tj ET Q q 0 0 0 rg BT 423.39 557.10 Td (est. ) Tj ET Q q 0 0 0 rg BT 439.32 557.10 Td (The annual stress test consists of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (a forward-looking quantitative evaluation of the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (stressful economic and financial market conditions under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (several scenarios on Citibank) Tj ET Q q 0 0 0 rg BT 444.24 521.10 Td (s regulatory capital. ) Tj ET Q q 0 0 0 rg BT 525.70 521.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (program serves to inform the Of) Tj ET Q q 0 0 0 rg BT 452.95 509.10 Td (fice of the Comptroller of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (the Currency as to how Citibank) Tj ET Q q 0 0 0 rg BT 456.48 497.10 Td (s regulatory capital ratios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (might change during a hypothetical set of adverse economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (conditions and to ultimately evaluate the reliability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (Citibank) Tj ET Q q 0 0 0 rg BT 361.22 461.10 Td (s capital planning process.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 366.05 437.10 Td (s Capital Resources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (Citi is required to maintain stated minimum Common Equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.76 413.10 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 384.00 413.10 Td (T) Tj ET Q q 0 0 0 rg BT 389.76 413.10 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 458.45 413.10 Td (T) Tj ET Q q 0 0 0 rg BT 463.86 413.10 Td (otal Capital ratios of 4.5%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (6.0% and 8.0%, respectively) Tj ET Q q 0 0 0 rg BT 437.76 401.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 389.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 389.10 Td (s ef) Tj ET Q q 0 0 0 rg BT 373.76 389.10 Td (fective minimum Common Equity ) Tj ET Q q 0 0 0 rg BT 513.57 389.10 Td (T) Tj ET Q q 0 0 0 rg BT 519.32 389.10 Td (ier 1 Capital, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.76 377.10 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 398.44 377.10 Td (T) Tj ET Q q 0 0 0 rg BT 403.85 377.10 Td (otal Capital ratios during 2018, inclusive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (of the 75% phase-in of both the 2.5% Capital Conservation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (Buf) Tj ET Q q 0 0 0 rg BT 338.82 353.10 Td (fer and the 3.0% GSIB surchar) Tj ET Q q 0 0 0 rg BT 461.93 353.10 Td (ge \(all of which is to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (composed of Common Equity ) Tj ET Q q 0 0 0 rg BT 446.59 341.10 Td (T) Tj ET Q q 0 0 0 rg BT 452.34 341.10 Td (ier 1 Capital\), are 8.625%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (10.125% and 12.125%, respectively) Tj ET Q q 0 0 0 rg BT 467.76 329.10 Td (. Citi) Tj ET Q q 0 0 0 rg BT 490.54 329.10 Td (s ef) Tj ET Q q 0 0 0 rg BT 504.52 329.10 Td (fective minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 392.71 317.10 Td (T) Tj ET Q q 0 0 0 rg BT 398.47 317.10 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 452.72 317.10 Td (T) Tj ET Q q 0 0 0 rg BT 458.47 317.10 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 527.16 317.10 Td (T) Tj ET Q q 0 0 0 rg BT 532.57 317.10 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (Capital ratios during 2017, inclusive of the 50% phase-in of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (both the 2.5% Capital Conservation Buf) Tj ET Q q 0 0 0 rg BT 484.35 293.10 Td (fer and the 3.0% GSIB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (surchar) Tj ET Q q 0 0 0 rg BT 353.25 281.10 Td (ge \(all of which is to be composed of Common Equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.76 269.10 Td (ier 1 Capital\), were 7.25%, 8.75% and 10.75%, respectively) Tj ET Q q 0 0 0 rg BT 569.03 269.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 257.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 257.10 Td (s ef) Tj ET Q q 0 0 0 rg BT 373.76 257.10 Td (fective minimum Common Equity ) Tj ET Q q 0 0 0 rg BT 513.57 257.10 Td (T) Tj ET Q q 0 0 0 rg BT 519.32 257.10 Td (ier 1 Capital, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.76 245.10 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 398.44 245.10 Td (T) Tj ET Q q 0 0 0 rg BT 403.85 245.10 Td (otal Capital ratio requirements during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (2019, inclusive of the 2.5% Capital Conservation Buf) Tj ET Q q 0 0 0 rg BT 538.51 233.10 Td (fer and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (the Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 450.72 221.10 Td (fer at its current level of 0%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (as well as a 3.0% GSIB surchar) Tj ET Q q 0 0 0 rg BT 450.18 209.10 Td (ge, will be 10.0%, 1) Tj ET Q q 0 0 0 rg BT 530.07 209.10 Td (1.5% and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (13.5%, respectively) Tj ET Q q 0 0 0 rg BT 402.49 197.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 185.10 Td (Furthermore, to be well capitalized under current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (federal bank regulatory agency definitions, a bank holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (company must have a ) Tj ET Q q 0 0 0 rg BT 413.24 161.10 Td (T) Tj ET Q q 0 0 0 rg BT 419.00 161.10 Td (ier 1 Capital ratio of at least 6.0%, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.41 149.10 Td (otal Capital ratio of at least 10.0%, and not be subject to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (Federal Reserve Board directive to maintain higher capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (levels. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 113.10 Td (Under the U.S. Basel III rules, Citi must comply with a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (4.0% minimum ) Tj ET Q q 0 0 0 rg BT 388.54 101.10 Td (T) Tj ET Q q 0 0 0 rg BT 394.30 101.10 Td (ier 1 Leverage ratio requirement. Ef) Tj ET Q q 0 0 0 rg BT 537.93 101.10 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (January 1, 2018, Citi must also comply with an ef) Tj ET Q q 0 0 0 rg BT 522.96 89.10 Td (fective 5.0% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (minimum Supplementary Leverage ratio requirement.) 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 33.60 Td (35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (The following tables set forth the capital tiers, total risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (weighted assets and underlying risk components, risk-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (capital ratios, quarterly adjusted average total assets, ) Tj ET Q q 0 0 0 rg BT 248.79 725.10 Td (T) Tj ET Q q 0 0 0 rg BT 254.20 725.10 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (Leverage Exposure and leverage ratios for Citi as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.58 701.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 701.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.02 701.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.02 701.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 668.10 Td (Citigroup Capital Components and Ratios ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 599.60 290.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 599.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 599.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 599.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 599.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 599.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 571.60 290.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 571.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 571.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 571.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 571.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 571.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 543.60 290.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 543.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 543.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 543.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 543.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 543.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 515.60 290.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 515.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 515.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 515.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 515.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 515.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 487.60 290.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 487.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 487.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 487.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 487.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 487.60 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 326.5 643.6 m 381.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 643.6 m 441.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 643.6 m 445.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 643.6 m 498.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 643.6 m 553.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 613.6 m 326.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 643.6 m 381.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 643.6 m 441.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 643.6 m 445.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 643.6 m 445.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 643.6 m 498.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 613.6 m 498.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 643.6 m 553.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 613.6 m 553.5 613.6 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 326.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 613.6 m 381.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 613.6 m 441.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 613.6 m 445.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 613.6 m 445.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 613.6 m 498.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 613.6 m 553.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 599.6 m 445.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 585.6 m 445.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 557.6 m 381.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 557.6 m 441.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 571.6 m 445.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 557.6 m 445.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 557.6 m 498.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 557.6 m 553.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 557.6 m 381.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 557.6 m 441.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 557.6 m 445.5 543.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 557.6 m 498.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 557.6 m 553.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 543.6 m 445.5 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 515.6 m 326.5 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 515.6 m 381.5 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 515.6 m 441.5 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 529.6 m 445.5 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 515.6 m 445.5 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 515.6 m 498.5 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 515.6 m 553.5 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 515.6 m 445.5 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 501.6 m 445.5 487.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 473.6 m 326.5 473.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 473.6 m 381.5 473.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 473.6 m 441.5 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 487.6 m 445.5 473.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 473.6 m 445.5 473.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 473.6 m 498.5 473.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 473.6 m 553.5 473.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.20 648.05 Td (December) Tj ET Q q 0 0 0 rg BT 386.01 648.05 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.60 648.06 Td (December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 42.00 617.85 Td (In millions of dollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.20 627.05 Td (Advanced) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.55 618.05 Td (Appr) Tj ET Q q 0 0 0 rg BT 350.97 618.05 Td (oaches) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.20 627.05 Td (Standardized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.80 618.05 Td (Appr) Tj ET Q q 0 0 0 rg BT 412.14 618.05 Td (oach) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.25 627.06 Td (Advanced) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 618.06 Td (Approaches) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 627.06 Td (Standardized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 618.06 Td (Approach) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 604.06 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 103.92 604.06 Td (T) Tj ET Q q 0 0 0 rg BT 109.18 604.06 Td (ier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 604.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 604.05 Td (139,252) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 604.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.75 604.05 Td (139,252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.00 604.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 604.06 Td (142,822) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 604.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 604.06 Td (142,822) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 590.06 Td (T) Tj ET Q q 0 0 0 rg BT 47.34 590.06 Td (ier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 590.05 Td (158,122) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.75 590.05 Td (158,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 590.06 Td (162,377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 590.06 Td (162,377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 576.06 Td (T) Tj ET Q q 0 0 0 rg BT 47.18 576.06 Td (otal Capital \(T) Tj ET Q q 0 0 0 rg BT 99.19 576.06 Td (ier 1 Capital + ) Tj ET Q q 0 0 0 rg BT 153.02 576.06 Td (T) Tj ET Q q 0 0 0 rg BT 158.27 576.06 Td (ier 2 Capital\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 576.05 Td (183,144) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.75 576.05 Td (195,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 576.06 Td (187,877) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 576.06 Td (199,989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 562.06 Td (T) Tj ET Q q 0 0 0 rg BT 47.18 562.06 Td (otal Risk-W) Tj ET Q q 0 0 0 rg BT 90.25 562.06 Td (eighted ) Tj ET Q q 0 0 0 rg BT 118.38 562.06 Td (Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 562.05 Td (1,131,933) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 562.05 Td (1,174,448) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.50 562.06 Td (1,152,644) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 562.06 Td (1,155,099) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 548.06 Td ( Credit Risk) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 548.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 548.05 Td (758,887) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 548.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 548.05 Td (1,109,007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.00 548.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 548.06 Td (767,102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 548.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 548.06 Td (1,089,372) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 534.06 Td ( Market Risk) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.25 534.05 Td (63,987) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.25 534.05 Td (65,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 534.06 Td (65,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 534.06 Td (65,727) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 520.06 Td ( Operational Risk) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 520.05 Td (309,059) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 520.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 520.06 Td (320,539) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 520.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 506.06 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 103.84 506.06 Td (T) Tj ET Q q 0 0 0 rg BT 109.02 506.06 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 172.25 510.14 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.75 506.05 Td (12.30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 506.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 506.05 Td (1) Tj ET Q q 0 0 0 rg BT 416.25 506.05 Td (1.86) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 506.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 506.06 Td (12.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.50 506.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 506.06 Td (12.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 506.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 492.06 Td (T) Tj ET Q q 0 0 0 rg BT 47.18 492.06 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 110.41 496.14 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.75 492.05 Td (13.97) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 492.05 Td (13.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 492.06 Td (14.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 492.06 Td (14.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 478.06 Td (T) Tj ET Q q 0 0 0 rg BT 46.87 478.06 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 107.35 482.14 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.75 478.05 Td (16.18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 478.05 Td (16.64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 478.06 Td (16.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 478.06 Td (17.31) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 436.60 290.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 436.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 436.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 436.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 436.60 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 436.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 406.60 290.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 406.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 406.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 406.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 406.60 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 406.60 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 36.5 436.6 m 326.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 436.6 m 381.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 436.6 m 441.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 436.6 m 445.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 436.6 m 498.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 436.6 m 553.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 436.6 m 441.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 436.6 m 553.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 406.6 m 326.5 406.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 406.6 m 381.5 406.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 406.6 m 445.5 406.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 406.6 m 498.5 406.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 406.6 m 553.5 406.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 406.6 m 441.5 406.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 376.6 m 326.5 376.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 376.6 m 381.5 376.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 376.6 m 441.5 376.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 376.6 m 445.5 376.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 376.6 m 498.5 376.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 376.6 m 553.5 376.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 42.00 440.85 Td (In millions of dollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.20 441.05 Td (December) Tj ET Q q 0 0 0 rg BT 386.01 441.05 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.60 441.06 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 426.06 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 78.24 426.06 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 112.49 426.06 Td (A) Tj ET Q q 0 0 0 rg BT 118.32 426.06 Td (verage ) Tj ET Q q 0 0 0 rg BT 144.39 426.06 Td (T) Tj ET Q q 0 0 0 rg BT 149.26 426.06 Td (otal ) Tj ET Q q 0 0 0 rg BT 164.51 426.06 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 188.01 430.14 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 426.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 426.05 Td (1,896,959) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 426.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 426.06 Td (1,868,326) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 411.06 Td (T) Tj ET Q q 0 0 0 rg BT 46.87 411.06 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 132.33 415.14 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.15 411.06 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 411.05 Td (2,465,641) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 411.06 Td (2,432,491) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 396.06 Td (T) Tj ET Q q 0 0 0 rg BT 47.18 396.06 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 117.89 400.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 396.05 Td (8.34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 396.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 396.06 Td (8.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 396.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 381.06 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 150.95 385.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 381.05 Td (6.41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 381.06 Td (6.68) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 357.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 357.90 Td (As of December31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.42 357.90 Td (2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 136.42 357.90 Td ( and 2017, Citi) Tj ET Q q 0 0 0 rg BT 186.20 357.90 Td (s reportable Common Equity ) Tj ET Q q 0 0 0 rg BT 280.71 357.90 Td (T) Tj ET Q q 0 0 0 rg BT 285.31 357.90 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 340.26 357.90 Td (T) Tj ET Q q 0 0 0 rg BT 344.87 357.90 Td (ier 1 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 54.00 348.30 Td (Standardized ) Tj ET Q q 0 0 0 rg BT 97.32 348.30 Td (Approach, whereas the reportable ) Tj ET Q q 0 0 0 rg BT 207.13 348.30 Td (T) Tj ET Q q 0 0 0 rg BT 211.45 348.30 Td (otal Capital ratio was the lower derived under the Basel III ) Tj ET Q q 0 0 0 rg BT 400.95 348.30 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 434.93 348.30 Td (Approaches framework. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 338.70 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 338.70 Td (Citi) Tj ET Q q 0 0 0 rg BT 68.23 338.70 Td (s risk-based capital and leverage ratios and related components as of December 31, 2017 are non-GAAP) Tj ET Q q 0 0 0 rg BT 402.04 338.70 Td ( financial measures, which reflect full implementation ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 329.10 Td (of regulatory capital adjustments and deductions prior to the ef) Tj ET Q q 0 0 0 rg BT 254.91 329.10 Td (fective date of January 1, 2018. Citi believes these ratios and the related components provide useful ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 319.50 Td (information to investors and others by measuring Citi) Tj ET Q q 0 0 0 rg BT 227.53 319.50 Td (s progress in prior periods against currently ef) Tj ET Q q 0 0 0 rg BT 374.68 319.50 Td (fective regulatory capital standards. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 309.90 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 309.90 Td (T) Tj ET Q q 0 0 0 rg BT 58.61 309.90 Td (ier 1 Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 163.45 309.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 300.30 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 300.30 Td (Supplementary Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 192.84 300.30 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 266.70 Td (Common Equity T) Tj ET Q q 0 0 0 rg BT 111.75 266.70 Td (ier 1 Capital Ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 254.70 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 254.70 Td (s Common Equity ) Tj ET Q q 0 0 0 rg BT 128.89 254.70 Td (T) Tj ET Q q 0 0 0 rg BT 134.64 254.70 Td (ier 1 Capital ratio was 1) Tj ET Q q 0 0 0 rg BT 230.08 254.70 Td (1.9% at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 242.70 Td (December 31, 2018, compared to 1) Tj ET Q q 0 0 0 rg BT 176.42 242.70 Td (1.7% at September 30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 230.70 Td (2018 and 12.4% at December 31, 2017. ) Tj ET Q q 0 0 0 rg BT 196.89 230.70 Td (The quarter) Tj ET Q q 0 0 0 rg BT 243.05 230.70 Td (-over) Tj ET Q q 0 0 0 rg BT 263.95 230.70 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 218.70 Td (quarter increase was primarily due to net income of $4.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 206.70 Td (billion as well as decreases in risk-weighted assets, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 194.70 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 194.70 Td (fset by the return of $5.8 billion of capital to common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 182.70 Td (shareholders. Citi) Tj ET Q q 0 0 0 rg BT 109.32 182.70 Td (s Common Equity ) Tj ET Q q 0 0 0 rg BT 184.42 182.70 Td (T) Tj ET Q q 0 0 0 rg BT 190.18 182.70 Td (ier 1 Capital ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 170.70 Td (declined from year) Tj ET Q q 0 0 0 rg BT 111.32 170.70 Td (-end 2017 primarily due to a reduction in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 158.70 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 104.71 158.70 Td (T) Tj ET Q q 0 0 0 rg BT 110.47 158.70 Td (ier 1 Capital resulting from the return of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 146.70 Td ($18.4 billion capital to common shareholders, an increase in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 134.70 Td (risk-weighted assets, and adverse net movements in ) Tj ET Q q 0 0 0 rg BT 244.84 134.70 Td (AOCI, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 122.70 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 122.70 Td (fset by net income of $18.0 billion in 2018.) 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 33.60 Td (36) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Components of Citigroup Capital) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 714.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 714.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 714.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 686.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 686.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 686.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 658.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 658.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 658.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 621.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 621.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 621.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 593.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 593.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 593.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 565.75 386.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 565.75 82.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 565.75 72.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 527.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 527.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 527.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 499.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 499.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 499.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 471.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 471.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 471.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 443.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 443.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 443.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 415.75 386.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 415.75 82.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 415.75 72.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 378.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 378.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 378.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 350.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 350.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 350.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 322.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 322.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 322.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 294.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 294.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 294.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 266.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 266.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 266.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 238.75 386.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 238.75 82.00 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0 j 3 M 503.5 527.75 m 575.5 527.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 527.75 m 421.5 527.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 527.75 m 503.5 527.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 527.75 m 575.5 527.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 429.75 m 421.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 415.75 m 421.5 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 429.75 m 503.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 415.75 m 503.5 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 429.75 m 575.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 415.75 m 575.5 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 415.75 m 421.5 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 392.75 m 421.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 415.75 m 503.5 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 392.75 m 503.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 415.75 m 575.5 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 392.75 m 575.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 392.75 m 421.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 392.75 m 503.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 392.75 m 575.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 294.75 m 421.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 294.75 m 503.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 294.75 m 575.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 294.75 m 421.5 294.75 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 421.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 294.75 m 503.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 280.75 m 503.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 294.75 m 575.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 280.75 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 421.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 266.75 m 421.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 280.75 m 503.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 266.75 m 503.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 280.75 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 503.5 266.75 m 575.5 266.75 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 421.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 252.75 m 503.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 252.75 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 35.5 238.75 m 421.5 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 238.75 m 503.5 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 238.75 m 575.5 238.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 224.75 m 421.5 224.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 224.75 m 503.5 224.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 224.75 m 575.5 224.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 41.00 719.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.80 730.00 Td (December) Tj ET Q q 0 0 0 rg BT 474.61 730.00 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 719.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 730.01 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 719.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 705.20 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 106.93 705.20 Td (T) Tj ET Q q 0 0 0 rg BT 112.77 705.20 Td (ier) Tj ET Q q 0 0 0 rg BT 123.10 705.20 Td ( 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 691.21 Td (Citigroup common stockholders) Tj ET Q q 0 0 0 rg BT 159.32 691.21 Td ( equity) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 184.06 695.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 691.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.75 691.20 Td (177,928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 691.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 691.21 Td (181,671) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 677.21 Td (Add: Qualifying noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 677.20 Td (147) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 677.21 Td (153) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 663.20 Td (Regulatory Capital ) Tj ET Q q 0 0 0 rg BT 116.75 663.20 Td (Adjustments and Deductions:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 649.21 Td (Less: ) Tj ET Q q 0 0 0 rg BT 61.75 649.21 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 300.42 653.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.50 649.20 Td (\(728) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 649.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 649.21 Td (\(698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 649.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 635.21 Td (Less: Cumulative unrealized net gain \(loss\) related to changes in fair value of financial liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 626.21 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 215.96 630.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 626.20 Td (580) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 626.21 Td (\(721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 626.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 612.21 Td (Less: Intangible assets:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 598.21 Td ( Goodwill, net of related DTLs) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 154.72 602.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 598.20 Td (21,778) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 598.21 Td (22,052) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 584.21 Td ( Identifiable intangible assets other than MSRs, net of related DTLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 584.20 Td (4,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 584.21 Td (4,401) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 570.21 Td (Less: Defined benefit pension plan net assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 570.20 Td (806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 570.21 Td (896) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 557.01 Td (Less: DT) Tj ET Q q 0 0 0 rg BT 73.52 557.01 Td (As arising from net operating loss, foreign tax credit and general business credit ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 546.21 Td ( carry-forwards) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 101.22 550.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 546.20 Td (1) Tj ET Q q 0 0 0 rg BT 479.75 546.20 Td (1,985) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 546.21 Td (13,072) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 532.20 Td (T) Tj ET Q q 0 0 0 rg BT 46.59 532.20 Td (otal Common Equity ) Tj ET Q q 0 0 0 rg BT 128.85 532.20 Td (T) Tj ET Q q 0 0 0 rg BT 134.69 532.20 Td (ier) Tj ET Q q 0 0 0 rg BT 145.02 532.20 Td ( 1 Capital \(Standardized ) Tj ET Q q 0 0 0 rg BT 241.20 532.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 261.37 532.20 Td (oach and ) Tj ET Q q 0 0 0 rg BT 298.06 532.20 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 338.31 532.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 358.49 532.20 Td (oaches\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 532.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.75 532.20 Td (139,252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 532.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 532.21 Td (142,822) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 518.20 Td (Additional ) Tj ET Q q 0 0 0 rg BT 84.18 518.20 Td (T) Tj ET Q q 0 0 0 rg BT 90.02 518.20 Td (ier) Tj ET Q q 0 0 0 rg BT 100.35 518.20 Td ( 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 504.21 Td (Qualifying noncumulative perpetual preferred stock) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 227.93 508.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 504.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 504.20 Td (18,292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 504.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 504.21 Td (19,069) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 490.21 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 169.70 494.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 490.20 Td (1,384) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 490.21 Td (1,377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 476.21 Td (Qualifying noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 476.20 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 476.21 Td (61) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 462.20 Td (Regulatory Capital Deductions:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 448.21 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 231.46 452.29 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 448.20 Td (806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 448.21 Td (900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 434.21 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 352.92 438.29 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 434.20 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 434.21 Td (52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 420.20 Td (T) Tj ET Q q 0 0 0 rg BT 46.59 420.20 Td (otal ) Tj ET Q q 0 0 0 rg BT 62.68 420.20 Td (Additional ) Tj ET Q q 0 0 0 rg BT 105.61 420.20 Td (T) Tj ET Q q 0 0 0 rg BT 111.45 420.20 Td (ier) Tj ET Q q 0 0 0 rg BT 121.78 420.20 Td ( 1 Capital \(Standardized ) Tj ET Q q 0 0 0 rg BT 217.96 420.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 238.13 420.20 Td (oach and ) Tj ET Q q 0 0 0 rg BT 274.81 420.20 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 315.07 420.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 335.25 420.20 Td (oaches\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 420.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 420.20 Td (18,870) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 420.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 420.21 Td (19,555) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 406.20 Td (T) Tj ET Q q 0 0 0 rg BT 46.18 406.20 Td (otal ) Tj ET Q q 0 0 0 rg BT 62.76 406.20 Td (T) Tj ET Q q 0 0 0 rg BT 68.60 406.20 Td (ier) Tj ET Q q 0 0 0 rg BT 78.93 406.20 Td ( 1 Capital \(Common Equity ) Tj ET Q q 0 0 0 rg BT 187.53 406.20 Td (T) Tj ET Q q 0 0 0 rg BT 193.37 406.20 Td (ier) Tj ET Q q 0 0 0 rg BT 203.69 406.20 Td ( 1 Capital + ) Tj ET Q q 0 0 0 rg BT 250.33 406.20 Td (Additional ) Tj ET Q q 0 0 0 rg BT 293.43 406.20 Td (T) Tj ET Q q 0 0 0 rg BT 299.27 406.20 Td (ier) Tj ET Q q 0 0 0 rg BT 309.60 406.20 Td ( 1 Capital\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 397.20 Td ( \(Standardized ) Tj ET Q q 0 0 0 rg BT 104.01 397.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 124.35 397.20 Td (oach and ) Tj ET Q q 0 0 0 rg BT 160.87 397.20 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 201.12 397.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 221.47 397.20 Td (oaches\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 397.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.75 397.20 Td (158,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 397.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 397.21 Td (162,377) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 383.20 Td (T) Tj ET Q q 0 0 0 rg BT 46.92 383.20 Td (ier) Tj ET Q q 0 0 0 rg BT 57.25 383.20 Td ( 2 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 369.21 Td (Qualifying subordinated debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 369.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 369.20 Td (23,324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 369.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 369.21 Td (23,673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 355.21 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 169.70 359.29 Td (\(9\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 355.20 Td (321) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 355.21 Td (329) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 341.21 Td (Qualifying noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 341.20 Td (47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 341.21 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 327.21 Td (Eligible allowance for credit losses) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 167.46 331.29 Td (\(10\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 327.20 Td (13,681) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 327.21 Td (13,612) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 313.20 Td (Regulatory Capital Deduction:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 299.21 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 352.92 303.29 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 299.20 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 299.21 Td (52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 285.20 Td (T) Tj ET Q q 0 0 0 rg BT 46.18 285.20 Td (otal ) Tj ET Q q 0 0 0 rg BT 62.76 285.20 Td (T) Tj ET Q q 0 0 0 rg BT 68.60 285.20 Td (ier) Tj ET Q q 0 0 0 rg BT 78.93 285.20 Td ( 2 Capital \(Standardized ) Tj ET Q q 0 0 0 rg BT 174.94 285.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 195.28 285.20 Td (oach\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 285.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 285.20 Td (37,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 285.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 285.21 Td (37,612) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 271.20 Td (T) Tj ET Q q 0 0 0 rg BT 46.59 271.20 Td (otal Capital \(T) Tj ET Q q 0 0 0 rg BT 102.60 271.20 Td (ier) Tj ET Q q 0 0 0 rg BT 112.92 271.20 Td ( 1 Capital + ) Tj ET Q q 0 0 0 rg BT 159.89 271.20 Td (T) Tj ET Q q 0 0 0 rg BT 165.73 271.20 Td (ier) Tj ET Q q 0 0 0 rg BT 176.06 271.20 Td ( 2 Capital\) \(Standardized ) Tj ET Q q 0 0 0 rg BT 275.23 271.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 295.41 271.20 Td (oach\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 271.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.75 271.20 Td (195,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 271.21 Td (199,989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 257.21 Td (Adjustment for 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 313.90 261.29 Td (\(10\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 257.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 257.20 Td (\(12,296) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 257.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 257.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 257.21 Td (\(12,1) Tj ET Q q 0 0 0 rg BT 563.00 257.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 257.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 243.20 Td (T) Tj ET Q q 0 0 0 rg BT 46.59 243.20 Td (otal ) Tj ET Q q 0 0 0 rg BT 62.84 243.20 Td (T) Tj ET Q q 0 0 0 rg BT 68.68 243.20 Td (ier) Tj ET Q q 0 0 0 rg BT 79.01 243.20 Td ( 2 Capital \(Advanced ) Tj ET Q q 0 0 0 rg BT 162.19 243.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 182.36 243.20 Td (oaches\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 243.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 243.20 Td (25,022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 243.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 243.21 Td (25,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 229.20 Td (T) Tj ET Q q 0 0 0 rg BT 46.18 229.20 Td (otal Capital \(T) Tj ET Q q 0 0 0 rg BT 102.51 229.20 Td (ier) Tj ET Q q 0 0 0 rg BT 112.84 229.20 Td ( 1 Capital + ) Tj ET Q q 0 0 0 rg BT 159.81 229.20 Td (T) Tj ET Q q 0 0 0 rg BT 165.65 229.20 Td (ier) Tj ET Q q 0 0 0 rg BT 175.98 229.20 Td ( 2 Capital\) \(Advanced ) Tj ET Q q 0 0 0 rg BT 261.98 229.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 282.33 229.20 Td (oaches\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 229.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.75 229.20 Td (183,144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 229.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 229.21 Td (187,877) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 206.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 206.05 Td (Issuance costs of $168 million and $184 million related to noncumulative perpetual preferred stock outstanding at December31, 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 557.12 206.05 Td (, are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 196.45 Td (excluded from common stockholders) Tj ET Q q 0 0 0 rg BT 174.93 196.45 Td ( equity and netted against such preferred stock in accordance with Federal Reserve Board regulatory reporting requirements, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 186.85 Td (which dif) Tj ET Q q 0 0 0 rg BT 84.29 186.85 Td (fer from those under U.S. GAAP) Tj ET Q q 0 0 0 rg BT 188.95 186.85 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 177.25 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 177.25 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 108.97 177.25 Td (T) Tj ET Q q 0 0 0 rg BT 113.57 177.25 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 441.70 177.25 Td (AOCI that relate to the hedging of items ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 167.65 Td (not recognized at fair value on the balance sheet.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 158.05 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 158.05 Td (The cumulative impact of changes in Citigroup) Tj ET Q q 0 0 0 rg BT 207.29 158.05 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 54.00 148.45 Td (valuation adjustments on derivatives, are excluded from Common Equity ) Tj ET Q q 0 0 0 rg BT 290.25 148.45 Td (T) Tj ET Q q 0 0 0 rg BT 294.85 148.45 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 36.00 138.85 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 138.85 Td (Includes goodwill embedded in the valuation of significant common stock investments in unconsolidated financial institutions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.55 95.65 Td (Footnotes continue on the following page.) 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 33.60 Td (37) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 750.50 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 750.50 Td (Of Citi) Tj ET Q q 0 0 0 rg BT 78.67 750.50 Td (s $22.9 billion of net DT) Tj ET Q q 0 0 0 rg BT 157.13 750.50 Td (As at December 31, 2018, $1) Tj ET Q q 0 0 0 rg BT 250.37 750.50 Td (1.9 billion was includable in Common Equity ) Tj ET Q q 0 0 0 rg BT 398.21 750.50 Td (T) Tj ET Q q 0 0 0 rg BT 402.82 750.50 Td (ier 1 Capital pursuant to the U.S. Basel III rules, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 740.90 Td (while $1) Tj ET Q q 0 0 0 rg BT 81.48 740.90 Td (1.0 billion was excluded. Excluded from Citi) Tj ET Q q 0 0 0 rg BT 227.67 740.90 Td (s Common Equity ) Tj ET Q q 0 0 0 rg BT 287.75 740.90 Td (T) Tj ET Q q 0 0 0 rg BT 292.36 740.90 Td (ier 1 Capital as of December 31, 2018 was $12.0 billion of net DT) Tj ET Q q 0 0 0 rg BT 503.89 740.90 Td (As arising from net ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 731.30 Td (operating loss, foreign tax credit and general business credit carry-forwards, which was reduced by $1.0 billion of net DTLs primarily associated with goodwill ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 721.70 Td (and certain other intangible assets. Separately) Tj ET Q q 0 0 0 rg BT 199.65 721.70 Td (, under the U.S. Basel III rules, goodwill and these other intangible assets are deducted net of associated DTLs in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 712.10 Td (arriving at Common Equity ) Tj ET Q q 0 0 0 rg BT 144.07 712.10 Td (T) Tj ET Q q 0 0 0 rg BT 148.67 712.10 Td (ier 1 Capital. DT) Tj ET Q q 0 0 0 rg BT 202.24 712.10 Td (As arising from net operating loss, foreign tax credit and general business credit carry-forwards are required to be ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 702.50 Td (entirely deducted from Common Equity ) Tj ET Q q 0 0 0 rg BT 183.83 702.50 Td (T) Tj ET Q q 0 0 0 rg BT 188.43 702.50 Td (ier 1 Capital under the U.S. Basel III rules. Commencing on December 31, 2017, Citi) Tj ET Q q 0 0 0 rg BT 463.71 702.50 Td (s DT) Tj ET Q q 0 0 0 rg BT 478.84 702.50 Td (As arising from temporary ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 692.90 Td (dif) Tj ET Q q 0 0 0 rg BT 62.74 692.90 Td (ferences were less than the 10% limitation under the U.S. Basel III rules and therefore not subject to deduction from Common Equity ) Tj ET Q q 0 0 0 rg BT 491.37 692.90 Td (T) Tj ET Q q 0 0 0 rg BT 495.98 692.90 Td (ier 1 Capital, but are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 683.30 Td (subject to risk-weighting at 250%. ) 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 (Represents Citigroup Capital XIII trust preferred securities, which are permanently grandfathered as ) Tj ET Q q 0 0 0 rg BT 376.63 673.70 Td (T) Tj ET Q q 0 0 0 rg BT 381.23 673.70 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 36.00 664.10 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 664.10 Td (Banking entities are required to be in compliance with the ) Tj ET Q q 0 0 0 rg BT 241.35 664.10 Td (V) Tj ET Q q 0 0 0 rg BT 246.10 664.10 Td (olcker Rule of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 346.30 664.10 Td (Act which prohibits conducting certain proprietary investment ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 654.50 Td (activities and limits their ownership of, and relationships with, covered funds. ) Tj ET Q q 0 0 0 rg BT 304.62 654.50 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 344.09 654.50 Td (, Citi is required by the ) Tj ET Q q 0 0 0 rg BT 419.71 654.50 Td (V) Tj ET Q q 0 0 0 rg BT 424.45 654.50 Td (olcker Rule to deduct from ) Tj ET Q q 0 0 0 rg BT 512.50 654.50 Td (T) Tj ET Q q 0 0 0 rg BT 517.11 654.50 Td (ier 1 Capital all ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 644.90 Td (permitted ownership interests in covered funds.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 635.30 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 635.30 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 451.29 635.30 Td (T) Tj ET Q q 0 0 0 rg BT 455.90 635.30 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 510.85 635.30 Td (T) Tj ET Q q 0 0 0 rg BT 515.45 635.30 Td (ier 2 Capital.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 625.70 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 625.70 Td (Represents the amount of non-grandfathered trust preferred securities eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 355.09 625.70 Td (T) Tj ET Q q 0 0 0 rg BT 359.70 625.70 Td (ier 2 Capital under the U.S. Basel III rules, which will be fully ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 616.10 Td (phased-out of ) Tj ET Q q 0 0 0 rg BT 99.62 616.10 Td (T) Tj ET Q q 0 0 0 rg BT 104.23 616.10 Td (ier 2 Capital by January 1, 2022. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 606.50 Td (\(10\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 606.50 Td (Under the Standardized ) Tj ET Q q 0 0 0 rg BT 131.09 606.50 Td (Approach, the allowance for credit losses is eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 349.55 606.50 Td (T) Tj ET Q q 0 0 0 rg BT 354.15 606.50 Td (ier 2 Capital up to 1.25% of credit risk-weighted assets, with any ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 596.90 Td (excess allowance for credit losses being deducted in arriving at credit risk-weighted assets, which dif) Tj ET Q q 0 0 0 rg BT 377.08 596.90 Td (fers from the ) Tj ET Q q 0 0 0 rg BT 419.96 596.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 453.95 596.90 Td (Approaches framework, in which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 587.30 Td (eligible credit reserves that exceed expected credit losses are eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 326.86 587.30 Td (T) Tj ET Q q 0 0 0 rg BT 331.46 587.30 Td (ier 2 Capital to the extent the excess reserves do not exceed 0.6% of credit ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 577.70 Td (risk-weighted assets. ) Tj ET Q q 0 0 0 rg BT 122.51 577.70 Td (The total amount of eligible credit reserves in excess of expected credit losses that were eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 482.02 577.70 Td (T) Tj ET Q q 0 0 0 rg BT 486.63 577.70 Td (ier 2 Capital, subject to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 568.10 Td (limitation, under the ) Tj ET Q q 0 0 0 rg BT 120.66 568.10 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 154.64 568.10 Td (Approaches framework was $1.4 billion and $1.5 billion at December31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.36 568.10 Td (2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.36 568.10 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.91 568.10 Td (2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.91 568.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 482.04 568.10 Td (. ) 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 33.60 Td (38) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Citigroup Capital Rollforward ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 714.75 334.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 714.75 103.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 714.75 103.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 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/GS0 gs 473.50 447.75 103.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 421.75 334.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 421.75 103.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 421.75 103.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 395.75 334.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 395.75 103.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 395.75 103.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 358.75 334.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 358.75 103.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 358.75 103.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 321.75 334.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 321.75 103.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 321.75 103.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg 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RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 256.75 m 576.5 256.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 243.75 m 576.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 191.75 m 370.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 178.75 m 370.5 178.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 191.75 m 473.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 178.75 m 473.5 178.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 191.75 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 473.5 178.75 m 576.5 178.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 165.75 m 370.5 165.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 178.75 m 473.5 178.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 165.75 m 473.5 165.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 178.75 m 576.5 178.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 165.75 m 576.5 165.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 152.75 m 370.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 165.75 m 473.5 165.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 152.75 m 473.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 165.75 m 576.5 165.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 152.75 m 576.5 152.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 42.00 719.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.55 730.00 Td (Thr) Tj ET Q q 0 0 0 rg BT 395.47 730.00 Td (ee Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.20 719.20 Td (December) Tj ET Q q 0 0 0 rg BT 424.09 719.20 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.55 730.00 Td (T) Tj ET Q q 0 0 0 rg BT 486.88 730.00 Td (welve Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.05 719.20 Td (December) Tj ET Q q 0 0 0 rg BT 528.11 719.20 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 706.15 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 107.93 706.15 Td (T) Tj ET Q q 0 0 0 rg BT 113.77 706.15 Td (ier) Tj ET Q q 0 0 0 rg BT 124.10 706.15 Td ( 1 Capital, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 706.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.75 706.15 Td (140,428) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 706.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 706.15 Td (142,822) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 693.01 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.75 693.15 Td (4,313) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 693.15 Td (18,045) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 680.01 Td (Common and preferred stock dividends declared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 680.15 Td (\(1,402) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 680.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 680.15 Td (\(5,039) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 680.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 667.01 Td ( Net increase in treasury stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 667.15 Td (\(4,692) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 667.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.25 667.15 Td (\(14,061) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 667.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 654.01 Td (Net change in common stock and additional paid-in capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 654.15 Td (81) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.50 654.15 Td (\(102) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 654.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 641.01 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 453.50 641.15 Td (\(394) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 641.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 641.15 Td (\(2,362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 641.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 628.01 Td (Net change in unrealized gains \(losses\) on debt securities ) Tj ET Q q 0 0 0 rg BT 249.93 628.01 Td (AFS, net of tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.75 628.15 Td (1,072) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 628.15 Td (\(1,092) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 628.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 615.01 Td (Net increase in defined benefit plans liability adjustment, net of tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 615.15 Td (\(489) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 615.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.00 615.15 Td (\(74) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 615.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 602.01 Td (Net change in adjustment related to changes in fair value of financial liabilities ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 591.21 Td ( attributable to own creditworthiness, net of tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 591.20 Td (\(129) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 591.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.50 591.20 Td (\(188) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 591.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 578.01 Td (Net decrease in ) Tj ET Q q 0 0 0 rg BT 99.47 578.01 Td (ASC 815Excluded component of Fair ) Tj ET Q q 0 0 0 rg BT 246.37 578.01 Td (V) Tj ET Q q 0 0 0 rg BT 252.29 578.01 Td (alue Hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 578.15 Td (\(35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 578.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.00 578.15 Td (\(57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 578.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 565.01 Td (Net decrease in goodwill, net of related DTLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 565.15 Td (1) Tj ET Q q 0 0 0 rg BT 461.00 565.15 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 565.15 Td (274) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 552.01 Td (Net increase in identifiable intangible assets other than MSRs, net of related DTLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 552.15 Td (\(98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 552.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 565.50 552.15 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 552.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 539.01 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 456.50 539.15 Td (125) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 539.15 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 526.01 Td ( Net decrease in DT) Tj ET Q q 0 0 0 rg BT 110.24 526.01 Td (As arising from net operating loss, foreign tax credit and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 515.21 Td ( general business credit carry-forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 515.20 Td (360) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 515.20 Td (1,087) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 502.01 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.50 502.15 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 502.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.00 502.15 Td (\(90) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 502.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 489.15 Td (Net decr) Tj ET Q q 0 0 0 rg BT 74.65 489.15 Td (ease in Common Equity ) Tj ET Q q 0 0 0 rg BT 168.49 489.15 Td (T) Tj ET Q q 0 0 0 rg BT 174.33 489.15 Td (ier) Tj ET Q q 0 0 0 rg BT 184.66 489.15 Td ( 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 489.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 489.15 Td (\(1,176) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 489.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 489.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 489.15 Td (\(3,570) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 489.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 474.20 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 107.85 474.20 Td (T) Tj ET Q q 0 0 0 rg BT 113.69 474.20 Td (ier) Tj ET Q q 0 0 0 rg BT 124.02 474.20 Td ( 1 Capital, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 465.20 Td ( \(Standardized ) Tj ET Q q 0 0 0 rg BT 107.26 465.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 127.60 465.20 Td (oach and ) Tj ET Q q 0 0 0 rg BT 164.12 465.20 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 204.37 465.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 224.72 465.20 Td (oaches\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 465.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.75 465.20 Td (139,252) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 465.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 465.20 Td (139,252) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 452.15 Td (Additional ) Tj ET Q q 0 0 0 rg BT 85.18 452.15 Td (T) Tj ET Q q 0 0 0 rg BT 91.02 452.15 Td (ier) Tj ET Q q 0 0 0 rg BT 101.35 452.15 Td ( 1 Capital, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 452.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.25 452.15 Td (19,449) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 452.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 452.15 Td (19,555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 439.01 Td (Net decrease in qualifying perpetual preferred stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 439.15 Td (\(559) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 439.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.50 439.15 Td (\(777) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 439.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 426.01 Td (Net increase in qualifying trust preferred securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.50 426.15 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.50 426.15 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 413.01 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 458.00 413.15 Td (\(1) Tj ET Q q 0 0 0 rg BT 465.50 413.15 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 413.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 413.15 Td (94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 400.01 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 400.15 Td (\(1) Tj ET Q q 0 0 0 rg BT 465.50 400.15 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 400.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 565.50 400.15 Td (\(9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 400.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 387.15 Td (Net decr) Tj ET Q q 0 0 0 rg BT 74.65 387.15 Td (ease in ) Tj ET Q q 0 0 0 rg BT 102.32 387.15 Td (Additional ) Tj ET Q q 0 0 0 rg BT 145.25 387.15 Td (T) Tj ET Q q 0 0 0 rg BT 151.09 387.15 Td (ier) Tj ET Q q 0 0 0 rg BT 161.42 387.15 Td ( 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 387.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 387.15 Td (\(579) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 387.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 387.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.50 387.15 Td (\(685) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 387.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 372.20 Td (Additional ) Tj ET Q q 0 0 0 rg BT 85.10 372.20 Td (T) Tj ET Q q 0 0 0 rg BT 90.94 372.20 Td (ier) Tj ET Q q 0 0 0 rg BT 101.27 372.20 Td ( 1 Capital, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 363.20 Td ( \(Standardized ) Tj ET Q q 0 0 0 rg BT 107.26 363.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 127.60 363.20 Td (oach and ) Tj ET Q q 0 0 0 rg BT 164.12 363.20 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 204.37 363.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 224.72 363.20 Td (oaches\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 363.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.25 363.20 Td (18,870) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 363.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 363.20 Td (18,870) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 348.20 Td (T) Tj ET Q q 0 0 0 rg BT 47.84 348.20 Td (ier) Tj ET Q q 0 0 0 rg BT 58.17 348.20 Td ( 1 Capital, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 339.20 Td ( \(Standardized ) Tj ET Q q 0 0 0 rg BT 107.26 339.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 127.60 339.20 Td (oach and ) Tj ET Q q 0 0 0 rg BT 164.12 339.20 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 204.37 339.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 224.72 339.20 Td (oaches\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 339.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.75 339.20 Td (158,122) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 339.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 339.20 Td (158,122) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 326.15 Td (T) Tj ET Q q 0 0 0 rg BT 47.92 326.15 Td (ier) Tj ET Q q 0 0 0 rg BT 58.25 326.15 Td ( 2 Capital, beginning of period \(Standardized ) Tj ET Q q 0 0 0 rg BT 233.94 326.15 Td (Appr) Tj ET Q q 0 0 0 rg BT 254.12 326.15 Td (oach\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 326.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.25 326.15 Td (36,931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 326.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 326.15 Td (37,612) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 313.01 Td (Net change in qualifying subordinated debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 313.15 Td (376) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.50 313.15 Td (\(349) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 313.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 300.01 Td (Net increase in eligible allowance for credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 300.15 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 300.15 Td (69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 287.01 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 287.15 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 287.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.00 287.15 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 287.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 274.15 Td (Net change in ) Tj ET Q q 0 0 0 rg BT 96.67 274.15 Td (T) Tj ET Q q 0 0 0 rg BT 102.51 274.15 Td (ier) Tj ET Q q 0 0 0 rg BT 112.83 274.15 Td ( 2 Capital \(Standardized ) Tj ET Q q 0 0 0 rg BT 209.01 274.15 Td (Appr) Tj ET Q q 0 0 0 rg BT 229.19 274.15 Td (oach\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 274.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 274.15 Td (387) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 274.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.50 274.15 Td (\(294) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 274.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 261.15 Td (T) Tj ET Q q 0 0 0 rg BT 47.92 261.15 Td (ier) Tj ET Q q 0 0 0 rg BT 58.25 261.15 Td ( 2 Capital, end of period \(Standardized ) Tj ET Q q 0 0 0 rg BT 209.93 261.15 Td (Appr) Tj ET Q q 0 0 0 rg BT 230.11 261.15 Td (oach\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 261.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.25 261.15 Td (37,318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 261.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 261.15 Td (37,318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 248.15 Td (T) Tj ET Q q 0 0 0 rg BT 47.59 248.15 Td (otal Capital, end of period \(Standardized ) Tj ET Q q 0 0 0 rg BT 206.69 248.15 Td (Appr) Tj ET Q q 0 0 0 rg BT 226.86 248.15 Td (oach\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 248.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.75 248.15 Td (195,440) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 248.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 248.15 Td (195,440) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 235.15 Td (T) Tj ET Q q 0 0 0 rg BT 47.92 235.15 Td (ier) Tj ET Q q 0 0 0 rg BT 58.25 235.15 Td ( 2 Capital, beginning of period \(Advanced ) Tj ET Q q 0 0 0 rg BT 220.94 235.15 Td (Appr) Tj ET Q q 0 0 0 rg BT 241.11 235.15 Td (oaches\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 235.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.25 235.15 Td (24,746) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 235.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 235.15 Td (25,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 222.01 Td (Net change in qualifying subordinated debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 222.15 Td (376) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.50 222.15 Td (\(349) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 222.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 209.01 Td (Net decrease 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 458.00 209.15 Td (\(86) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 209.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.50 209.15 Td (\(1) Tj ET Q q 0 0 0 rg BT 564.00 209.15 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 209.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 196.01 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 196.15 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 196.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.00 196.15 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 196.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 183.15 Td (Net change in ) Tj ET Q q 0 0 0 rg BT 96.67 183.15 Td (T) Tj ET Q q 0 0 0 rg BT 102.51 183.15 Td (ier) Tj ET Q q 0 0 0 rg BT 112.83 183.15 Td ( 2 Capital \(Advanced ) Tj ET Q q 0 0 0 rg BT 196.01 183.15 Td (Appr) Tj ET Q q 0 0 0 rg BT 216.18 183.15 Td (oaches\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 183.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 183.15 Td (276) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 183.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.50 183.15 Td (\(478) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 183.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 170.15 Td (T) Tj ET Q q 0 0 0 rg BT 47.92 170.15 Td (ier) Tj ET Q q 0 0 0 rg BT 58.25 170.15 Td ( 2 Capital, end of period \(Advanced ) Tj ET Q q 0 0 0 rg BT 196.93 170.15 Td (Appr) Tj ET Q q 0 0 0 rg BT 217.10 170.15 Td (oaches\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 170.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.25 170.15 Td (25,022) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 170.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 170.15 Td (25,022) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 157.15 Td (T) Tj ET Q q 0 0 0 rg BT 47.18 157.15 Td (otal Capital, end of period \(Advanced ) Tj ET Q q 0 0 0 rg BT 193.44 157.15 Td (Appr) Tj ET Q q 0 0 0 rg BT 213.78 157.15 Td (oaches\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 157.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.75 157.15 Td (183,144) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 157.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 157.15 Td (183,144) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 79 0 obj <> endobj 80 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (39) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Citigroup Risk-W) Tj ET Q q 0 0 0 rg BT 107.78 749.25 Td (eighted ) Tj ET Q q 0 0 0 rg BT 139.90 749.25 Td (Assets Rollforward \(Basel III Standardized ) Tj ET Q q 0 0 0 rg BT 319.29 749.25 Td (Approach\) ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 714.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 714.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 714.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 686.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 686.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 686.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 658.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 658.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 658.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 630.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 630.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 630.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 602.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 602.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 602.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 574.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 574.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 574.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 546.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 546.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 546.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 518.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 518.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 518.75 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 35.5 714.75 m 387.5 714.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 714.75 m 481.5 714.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 714.75 m 575.5 714.75 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 387.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 574.75 m 387.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 588.75 m 481.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 574.75 m 481.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 588.75 m 575.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 574.75 m 575.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 532.75 m 387.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 518.75 m 387.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 532.75 m 481.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 518.75 m 481.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 532.75 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 481.5 518.75 m 575.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 518.75 m 387.5 518.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 504.75 m 387.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 518.75 m 481.5 518.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 504.75 m 481.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 518.75 m 575.5 518.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 504.75 m 575.5 504.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 41.00 719.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.05 730.00 Td (Thr) Tj ET Q q 0 0 0 rg BT 407.97 730.00 Td (ee Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.70 719.20 Td (December) Tj ET Q q 0 0 0 rg BT 436.59 719.20 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.05 730.00 Td (T) Tj ET Q q 0 0 0 rg BT 490.38 730.00 Td (welve Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.55 719.20 Td (December) Tj ET Q q 0 0 0 rg BT 531.61 719.20 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 705.20 Td ( ) Tj ET Q q 0 0 0 rg BT 40.09 705.20 Td (T) Tj ET Q q 0 0 0 rg BT 45.26 705.20 Td (otal Risk-W) Tj ET Q q 0 0 0 rg BT 91.02 705.20 Td (eighted ) Tj ET Q q 0 0 0 rg BT 120.77 705.20 Td (Assets, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 705.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.00 705.20 Td (1,196,923) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 705.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.00 705.20 Td (1,155,099) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 691.20 Td (Changes in Cr) Tj ET Q q 0 0 0 rg BT 96.43 691.20 Td (edit Risk-W) Tj ET Q q 0 0 0 rg BT 142.35 691.20 Td (eighted ) Tj ET Q q 0 0 0 rg BT 172.10 691.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 677.21 Td (Net increase in general credit risk exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 200.43 681.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.50 677.20 Td (135) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 677.20 Td (2,850) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 663.21 Td (Net increase in repo-style transactions) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 178.45 667.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 663.20 Td (1,449) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 663.20 Td (7,070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 649.21 Td (Net increase in securitization exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 183.95 653.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 649.20 Td (2,300) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 649.20 Td (2,068) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 635.21 Td (Net change in equity exposures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 635.20 Td (\(1,484) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 635.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 635.20 Td (1,195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 621.21 Td (Net change in over) Tj ET Q q 0 0 0 rg BT 109.04 621.21 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 221.00 625.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 621.20 Td (\(10,849) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 621.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 621.20 Td (7,364) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 607.21 Td (Net change in other exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 149.96 611.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 607.20 Td (\(535) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 607.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 607.20 Td (1,464) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 593.21 Td (Net decrease in of) Tj ET Q q 0 0 0 rg BT 106.05 593.21 Td (f-balance sheet exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 198.51 597.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 593.20 Td (\(8,878) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 593.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.75 593.20 Td (\(2,376) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 593.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 579.20 Td (Net change in Cr) Tj ET Q q 0 0 0 rg BT 106.16 579.20 Td (edit Risk-W) Tj ET Q q 0 0 0 rg BT 152.08 579.20 Td (eighted ) Tj ET Q q 0 0 0 rg BT 181.83 579.20 Td (Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 579.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 579.20 Td (\(17,862) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 579.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 579.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 579.20 Td (19,635) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 565.20 Td (Changes in Market Risk-W) Tj ET Q q 0 0 0 rg BT 146.51 565.20 Td (eighted ) Tj ET Q q 0 0 0 rg BT 176.26 565.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 551.21 Td (Net change in risk levels) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 129.97 555.29 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 551.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 551.20 Td (\(4,219) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 551.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 551.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 551.20 Td (7,383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 537.21 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 231.19 541.29 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 537.20 Td (\(394) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 537.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.75 537.20 Td (\(7,669) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 537.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 523.20 Td (Net decr) Tj ET Q q 0 0 0 rg BT 73.65 523.20 Td (ease in Market Risk-W) Tj ET Q q 0 0 0 rg BT 162.06 523.20 Td (eighted ) Tj ET Q q 0 0 0 rg BT 191.81 523.20 Td (Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 523.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 523.20 Td (\(4,613) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 523.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 523.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.50 523.20 Td (\(286) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 523.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 509.20 Td (T) Tj ET Q q 0 0 0 rg BT 46.18 509.20 Td (otal Risk-W) Tj ET Q q 0 0 0 rg BT 91.93 509.20 Td (eighted ) Tj ET Q q 0 0 0 rg BT 121.68 509.20 Td (Assets, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 509.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.00 509.20 Td (1,174,448) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 509.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.00 509.20 Td (1,174,448) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 486.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 486.05 Td (General credit risk exposures include cash and balances due from depository institutions, securities, and loans and leases. General credit risk exposures increased ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 476.45 Td (during the 12 months ended December 31, 2018 mainly driven by growth in corporate loans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 466.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 466.85 Td (Repo-style transactions include repurchase and reverse repurchase transactions as well as securities borrowing and securities lending transactions.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 457.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 457.25 Td (Securitization exposures increased during the three and 12 months ended December 31, 2018 due to increased exposures from new deals.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 447.65 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 447.65 Td (OTC derivatives decreased during the three months ended December 31, 2018 due to a decrease in notional amounts for bilateral trades. OTC derivatives ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 438.05 Td (increased during the 12 months ended December 31, 2018, primarily due to notional increases.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 428.45 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 428.45 Td (Other exposures include cleared transactions, unsettled transactions, and other assets. Other exposures increased during the 12 months ended December 31, 2018 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 418.85 Td (primarily due to increases in various other assets subject to risk-weighting at 100% and additional DT) Tj ET Q q 0 0 0 rg BT 379.28 418.85 Td (As arising from temporary dif) Tj ET Q q 0 0 0 rg BT 475.11 418.85 Td (ferences, which are subject to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 409.25 Td (risk-weighting at 250%.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 399.65 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 399.65 Td (Of) Tj ET Q q 0 0 0 rg BT 62.30 399.65 Td (f-balance sheet exposures decreased during the three and 12 months ended December 31, 2018, primarily due to a reduction in loan commitments.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 390.05 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 390.05 Td (Risk levels decreased during the three months ended December31, 2018 primarily due to a decrease in positions subject to incremental risk char) Tj ET Q q 0 0 0 rg BT 517.04 390.05 Td (ges. Risk levels ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 380.45 Td (increased during the 12 months ended December31, 2018 primarily due to changes in exposure levels subject to ) Tj ET Q q 0 0 0 rg BT 416.20 380.45 Td (V) Tj ET Q q 0 0 0 rg BT 421.09 380.45 Td (alue at Risk and Stressed ) Tj ET Q q 0 0 0 rg BT 502.93 380.45 Td (V) Tj ET Q q 0 0 0 rg BT 507.82 380.45 Td (alue at Risk.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 370.85 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 370.85 Td (Risk-weighted assets decreased during the 12 months ended December31, 2018 primarily due to changes in model inputs regarding volatility and the correlation ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 361.25 Td (between market risk factors, as well as methodology changes for standard specific risk char) Tj ET Q q 0 0 0 rg BT 346.64 361.25 Td (ges.) 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 33.60 Td (40) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 728.90 Td (Citigroup Risk-W) Tj ET Q q 0 0 0 rg BT 107.78 728.90 Td (eighted ) Tj ET Q q 0 0 0 rg BT 139.90 728.90 Td (Assets Rollforward \(Basel III ) Tj ET Q q 0 0 0 rg BT 262.88 728.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 305.56 728.90 Td (Approaches\) ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 694.40 336.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 694.40 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 694.40 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 668.40 336.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 668.40 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 668.40 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 640.40 336.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 640.40 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 640.40 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 614.40 336.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 614.40 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 614.40 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 587.40 336.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 587.40 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 587.40 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 560.40 336.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 560.40 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 560.40 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 533.40 336.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 533.40 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 533.40 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 506.40 336.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 506.40 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 506.40 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 480.40 336.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 480.40 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 480.40 102.00 -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 35.5 694.4 m 371.5 694.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 694.4 m 473.5 694.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 694.4 m 575.5 694.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 546.4 m 371.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 533.4 m 371.5 533.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 546.4 m 473.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 533.4 m 473.5 533.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 546.4 m 575.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 533.4 m 575.5 533.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 533.4 m 473.5 533.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 533.4 m 575.5 533.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 493.4 m 371.5 493.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 480.4 m 371.5 480.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 493.4 m 473.5 493.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 480.4 m 473.5 480.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 493.4 m 575.5 493.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 480.4 m 575.5 480.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 480.4 m 371.5 480.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 466.4 m 371.5 466.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 480.4 m 473.5 480.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 466.4 m 473.5 466.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 480.4 m 575.5 480.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 466.4 m 575.5 466.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 466.4 m 371.5 466.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 453.4 m 371.5 453.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 466.4 m 473.5 466.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 453.4 m 473.5 453.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 466.4 m 575.5 466.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 453.4 m 575.5 453.4 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 41.00 698.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.05 709.65 Td (Thr) Tj ET Q q 0 0 0 rg BT 395.97 709.65 Td (ee Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.70 698.85 Td (December) Tj ET Q q 0 0 0 rg BT 424.59 698.85 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.05 709.65 Td (T) Tj ET Q q 0 0 0 rg BT 486.38 709.65 Td (welve Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.55 698.85 Td (December) Tj ET Q q 0 0 0 rg BT 527.61 698.85 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 685.80 Td ( ) Tj ET Q q 0 0 0 rg BT 40.09 685.80 Td (T) Tj ET Q q 0 0 0 rg BT 45.26 685.80 Td (otal Risk-W) Tj ET Q q 0 0 0 rg BT 91.02 685.80 Td (eighted ) Tj ET Q q 0 0 0 rg BT 120.77 685.80 Td (Assets, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 685.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.00 685.80 Td (1,155,188) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 685.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.00 685.80 Td (1,152,644) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 672.80 Td (Changes in Cr) Tj ET Q q 0 0 0 rg BT 96.43 672.80 Td (edit Risk-W) Tj ET Q q 0 0 0 rg BT 142.35 672.80 Td (eighted ) Tj ET Q q 0 0 0 rg BT 172.10 672.80 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 658.86 Td (Net change in retail exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 149.96 662.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.75 658.85 Td (2,320) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.25 658.85 Td (\(1) Tj ET Q q 0 0 0 rg BT 551.75 658.85 Td (1,898) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 658.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 644.86 Td (Net decrease in wholesale exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 172.95 648.94 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 644.85 Td (\(6,392) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 644.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.50 644.85 Td (\(635) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 644.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 631.66 Td (Net increase in repo-style transactions) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 178.45 635.74 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.75 631.80 Td (3,334) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 631.80 Td (4,728) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 618.66 Td (Net increase in securitization exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 183.95 622.74 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.75 618.80 Td (2,1) Tj ET Q q 0 0 0 rg BT 461.00 618.80 Td (18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 618.80 Td (2,505) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 605.66 Td (Net change in equity exposures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 605.80 Td (\(1,412) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 605.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 605.80 Td (1,466) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 591.86 Td (Net decrease in over) Tj ET Q q 0 0 0 rg BT 114.53 591.86 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 226.48 595.94 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 591.85 Td (\(8,817) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 591.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.75 591.85 Td (\(7,063) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 591.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 578.66 Td (Net change in derivatives CV) Tj ET Q q 0 0 0 rg BT 146.31 578.66 Td (A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 578.80 Td (\(465) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 578.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 578.80 Td (1,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 564.86 Td (Net change in other exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 149.96 568.94 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 564.85 Td (\(1,141) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 564.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 564.85 Td (1,904) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 550.86 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 192.70 554.94 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 550.85 Td (\(600) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 550.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.50 550.85 Td (\(540) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 550.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 537.80 Td (Net decr) Tj ET Q q 0 0 0 rg BT 73.65 537.80 Td (ease in Cr) Tj ET Q q 0 0 0 rg BT 111.98 537.80 Td (edit Risk-W) Tj ET Q q 0 0 0 rg BT 157.90 537.80 Td (eighted ) Tj ET Q q 0 0 0 rg BT 187.65 537.80 Td (Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 537.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.25 537.80 Td (\(1) Tj ET Q q 0 0 0 rg BT 449.75 537.80 Td (1,055) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 537.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 537.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.75 537.80 Td (\(8,215) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 537.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 524.80 Td (Changes in Market Risk-W) Tj ET Q q 0 0 0 rg BT 146.51 524.80 Td (eighted ) Tj ET Q q 0 0 0 rg BT 176.26 524.80 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 510.86 Td (Net change in risk levels) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 129.97 514.94 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 510.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 510.85 Td (\(4,266) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 510.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 510.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 510.85 Td (6,653) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 497.66 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 231.19 501.74 Td (\(9\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 497.80 Td (\(394) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 497.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.75 497.80 Td (\(7,669) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 497.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 484.80 Td (Net decr) Tj ET Q q 0 0 0 rg BT 73.65 484.80 Td (ease in Market Risk-W) Tj ET Q q 0 0 0 rg BT 162.06 484.80 Td (eighted ) Tj ET Q q 0 0 0 rg BT 191.81 484.80 Td (Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 484.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 484.80 Td (\(4,660) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 484.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 484.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.75 484.80 Td (\(1,016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 484.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 470.85 Td (Net decr) Tj ET Q q 0 0 0 rg BT 73.57 470.85 Td (ease in Operational Risk-W) Tj ET Q q 0 0 0 rg BT 179.32 470.85 Td (eighted ) Tj ET Q q 0 0 0 rg BT 209.07 470.85 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 233.07 474.93 Td (\(10\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 470.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 470.85 Td (\(7,540) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 470.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 470.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.25 470.85 Td (\(1) Tj ET Q q 0 0 0 rg BT 551.75 470.85 Td (1,480) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 470.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 457.80 Td (T) Tj ET Q q 0 0 0 rg BT 46.18 457.80 Td (otal Risk-W) Tj ET Q q 0 0 0 rg BT 91.93 457.80 Td (eighted ) Tj ET Q q 0 0 0 rg BT 121.68 457.80 Td (Assets, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 457.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.00 457.80 Td (1,131,933) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 457.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.00 457.80 Td (1,131,933) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 432.30 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 432.30 Td (Retail exposures increased during the three months ended December 31, 2018, primarily due to seasonal spending for qualifying revolving \(cards\) exposures. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 422.70 Td (Retail exposures decreased during the 12 months ended December 31, 2018, primarily due to residential mortgage loan sales and repayments.) 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 (Wholesale exposures decreased during the three months ended December 31, 2018, primarily due to decreases in loan commitments. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 403.50 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 403.50 Td (Repo-style transactions include repurchase and reverse repurchase transactions as well as securities borrowing and securities lending transactions. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 393.90 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 393.90 Td (Securitization exposures increased during the three and 12 months ended December 31, 2018, due to increased exposures from new deals.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 384.30 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 384.30 Td (OTC derivatives decreased during the three and 12 months ended December 31, 2018, primarily due to decreases in potential future exposure and fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 374.70 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 374.70 Td (Other exposures include cleared transactions, unsettled transactions, assets other than those reportable in specific exposure categories and non-material portfolios. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 365.10 Td (Supervisory 6% multiplier does not apply to derivatives CV) Tj ET Q q 0 0 0 rg BT 244.94 365.10 Td (A.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 355.50 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 355.50 Td (Risk levels decreased during the three months ended December31, 2018, primarily due to a decrease in positions subject to incremental risk char) Tj ET Q q 0 0 0 rg BT 519.04 355.50 Td (ges. Risk levels ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 345.90 Td (increased during the 12 months ended December31, 2018 primarily due to changes in exposure levels subject to ) Tj ET Q q 0 0 0 rg BT 416.20 345.90 Td (V) Tj ET Q q 0 0 0 rg BT 421.09 345.90 Td (alue at Risk and Stressed ) Tj ET Q q 0 0 0 rg BT 502.93 345.90 Td (V) Tj ET Q q 0 0 0 rg BT 507.82 345.90 Td (alue at Risk.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 336.30 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 336.30 Td (Risk-weighted assets decreased during the 12 months ended December31, 2018 primarily due to changes in model inputs regarding volatility and the correlation ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 326.70 Td (between market risk factors, as well as methodology changes for standard specific risk char) Tj ET Q q 0 0 0 rg BT 346.64 326.70 Td (ges.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (\(10\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 317.10 Td (Operational risk-weighted assets decreased during the three months and 12 months ended December 31, 2018 primarily due to changes in operational loss severity ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 307.50 Td (and frequency) Tj ET Q q 0 0 0 rg BT 99.01 307.50 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 283.50 Td (T) Tj ET Q q 0 0 0 rg BT 59.41 283.50 Td (otal risk-weighted assets under the Basel III ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 271.50 Td (Standardized ) Tj ET Q q 0 0 0 rg BT 90.15 271.50 Td (Approach increased from year) Tj ET Q q 0 0 0 rg BT 211.28 271.50 Td (-end ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.55 271.50 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.55 271.50 Td ( due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 259.50 Td (higher credit risk-weighted assets, slightly of) Tj ET Q q 0 0 0 rg BT 215.78 259.50 Td (fset by a decrease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 247.50 Td (in market risk-weighted assets. ) Tj ET Q q 0 0 0 rg BT 162.18 247.50 Td (The increase in credit risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 235.50 Td (weighted assets was primarily due to changes in OTC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 223.50 Td (derivative trade activity) Tj ET Q q 0 0 0 rg BT 130.31 223.50 Td (, repo-style transactions, growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 211.50 Td (corporate loans, securitization exposures and other exposures, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 199.50 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 199.50 Td (fset by a decrease in loan commitments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 187.50 Td (T) Tj ET Q q 0 0 0 rg BT 59.41 187.50 Td (otal risk-weighted assets under the Basel III ) Tj ET Q q 0 0 0 rg BT 236.86 187.50 Td (Advanced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 175.50 Td (Approaches decreased from year) Tj ET Q q 0 0 0 rg BT 167.12 175.50 Td (-end 2017 driven by lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 163.50 Td (operational and credit, as well as market risk-weighted assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 151.50 Td (The decrease in operational risk-weighted assets was primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 139.50 Td (due to changes in operational loss severity and frequency) Tj ET Q q 0 0 0 rg BT 264.16 139.50 Td (. ) Tj ET Q q 0 0 0 rg BT 268.98 139.50 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 127.50 Td (decrease in credit risk-weighted assets was primarily due to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 115.50 Td (decline in retail exposures driven by a reduction in residential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 103.50 Td (mortgage loan sales and repayments, and changes in OTC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 91.50 Td (derivative trade activity) Tj ET Q q 0 0 0 rg BT 130.31 91.50 Td (, partially of) Tj ET Q q 0 0 0 rg BT 179.28 91.50 Td (fset by increases in repo-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 79.50 Td (style transactions, securitization exposures and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 67.50 Td (exposures. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 283.50 Td (Market risk-weighted assets decreased under both the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 271.50 Td (Basel III Standardized ) Tj ET Q q 0 0 0 rg BT 415.36 271.50 Td (Approach and Basel III ) Tj ET Q q 0 0 0 rg BT 510.88 271.50 Td (Advanced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 259.50 Td (Approaches primarily due to changes in model inputs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 247.50 Td (regarding volatility and the correlation between market risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 235.50 Td (factors, as well as methodology changes for standard specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 223.50 Td (risk char) Tj ET Q q 0 0 0 rg BT 358.53 223.50 Td (ges, partially of) Tj ET Q q 0 0 0 rg BT 420.83 223.50 Td (fset by increases in positions subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 211.50 Td (to ) Tj ET Q q 0 0 0 rg BT 334.10 211.50 Td (V) Tj ET Q q 0 0 0 rg BT 340.21 211.50 Td (alue at Risk and Stressed ) Tj ET Q q 0 0 0 rg BT 442.51 211.50 Td (V) Tj ET Q q 0 0 0 rg BT 448.62 211.50 Td (alue at Risk.) Tj ET Q endstream endobj 83 0 obj <> endobj 84 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (41) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Supplementary Leverage Ratio) 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 Supplementary Leverage ratio was 6.4% for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (fourth quarter of 2018, compared to 6.5% for the third quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (of 2018 and 6.7% for the fourth quarter of 2017. ) Tj ET Q q 0 0 0 rg BT 231.88 713.25 Td (The decline ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (in the ratio quarter) Tj ET Q q 0 0 0 rg BT 109.94 701.25 Td (-over) Tj ET Q q 0 0 0 rg BT 130.83 701.25 Td (-quarter was principally driven by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (reduction in ) Tj ET Q q 0 0 0 rg BT 86.36 689.25 Td (T) Tj ET Q q 0 0 0 rg BT 92.12 689.25 Td (ier 1 Capital resulting from the return of $5.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (billion of capital to common shareholders, partially of) Tj ET Q q 0 0 0 rg BT 251.87 677.25 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (net income of $4.3 billion. ) Tj ET Q q 0 0 0 rg BT 144.41 665.25 Td (The decline in the ratio from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (fourth quarter of 2017 was lar) Tj ET Q q 0 0 0 rg BT 155.50 653.25 Td (gely attributable to a reduction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (in ) Tj ET Q q 0 0 0 rg BT 46.10 641.25 Td (T) Tj ET Q q 0 0 0 rg BT 51.85 641.25 Td (ier 1 Capital resulting from the return of $18.4 billion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (capital to common shareholders, adverse net movements in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (AOCI, as well as an increase in ) Tj ET Q q 0 0 0 rg BT 164.11 617.25 Td (T) Tj ET Q q 0 0 0 rg BT 169.52 617.25 Td (otal Leverage Exposure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (primarily due to growth in average on-balance sheet assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 593.25 Td (fset by net income of $18.0 billion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 581.25 Td (The following table sets forth Citi) Tj ET Q q 0 0 0 rg BT 192.59 581.25 Td (s Supplementary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (Leverage ratio and related components as of December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 557.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.44 557.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.44 557.25 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (Citigroup Basel III Supplementary Leverage Ratio and Related Components) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 508.75 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 508.75 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 508.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 480.75 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 480.75 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 480.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 452.75 341.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 452.75 84.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 452.75 92.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 421.75 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 421.75 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 421.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 393.75 341.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 393.75 84.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 393.75 92.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 366.75 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 366.75 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 366.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 338.75 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 338.75 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 338.75 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 36.5 508.75 m 377.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 508.75 m 461.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 508.75 m 553.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 508.75 m 553.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 494.75 m 377.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 494.75 m 461.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 494.75 m 553.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 380.75 m 377.5 380.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 380.75 m 377.5 380.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 380.75 m 461.5 380.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 380.75 m 553.5 380.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 352.75 m 377.5 352.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 352.75 m 461.5 352.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 352.75 m 553.5 352.75 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 377.5 338.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 324.75 m 377.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 338.75 m 461.5 338.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 324.75 m 461.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 338.75 m 553.5 338.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 324.75 m 553.5 324.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 513.00 Td (In millions of dollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.70 513.20 Td (December) Tj ET Q q 0 0 0 rg BT 421.51 513.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.60 513.21 Td (December 31, 2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 499.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.92 499.20 Td (ier) Tj ET Q q 0 0 0 rg BT 55.25 499.20 Td ( 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.00 499.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.75 499.20 Td (158,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 499.21 Td (162,377) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 485.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 485.20 Td (otal Leverage Exposur) Tj ET Q q 0 0 0 rg BT 131.08 485.20 Td (e \(TLE\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 471.20 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 135.50 475.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.00 471.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 471.20 Td (1,936,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 471.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 471.21 Td (1,909,699) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 457.20 Td (Certain off-balance sheet exposur) Tj ET Q q 0 0 0 rg BT 174.07 457.20 Td (es:) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 184.56 461.28 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 440.21 Td ( Potential future exposure on derivative contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.75 440.20 Td (187,130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 440.21 Td (191,555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 426.21 Td ( Ef) Tj ET Q q 0 0 0 rg BT 60.08 426.21 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 223.28 430.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.25 426.20 Td (49,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 426.21 Td (59,207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 412.21 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 233.94 416.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.25 412.20 Td (23,715) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 412.21 Td (27,005) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 398.21 Td ( Unconditionally cancelable commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.25 398.20 Td (69,630) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 398.21 Td (67,644) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 385.01 Td ( Other of) Tj ET Q q 0 0 0 rg BT 81.83 385.01 Td (f-balance sheet exposures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.75 385.15 Td (238,805) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 385.01 Td (218,754) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 371.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 371.20 Td (otal of certain off-balance sheet exposur) Tj ET Q q 0 0 0 rg BT 197.31 371.20 Td (es) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.00 371.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.75 371.20 Td (568,682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 371.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 371.21 Td (564,165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 357.21 Td (Less: ) Tj ET Q q 0 0 0 rg BT 60.08 357.21 Td (T) Tj ET Q q 0 0 0 rg BT 65.27 357.21 Td (ier 1 Capital deductions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.25 357.20 Td (39,832) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 357.21 Td (41,373) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 343.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 343.20 Td (otal Leverage Exposur) Tj ET Q q 0 0 0 rg BT 131.08 343.20 Td (e) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.00 343.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 343.20 Td (2,465,641) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 343.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 343.21 Td (2,432,491) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 329.20 Td (Supplementary Leverage ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.25 329.20 Td (6.41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 329.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 329.21 Td (6.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 329.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 306.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 306.05 Td (Represents the daily average of on-balance sheet assets for the quarter) Tj ET Q q 0 0 0 rg BT 277.91 306.05 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 296.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 296.45 Td (Represents the average of certain of) Tj ET Q q 0 0 0 rg BT 168.69 296.45 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 433.02 296.45 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 286.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 286.85 Td (Under the U.S. Basel III rules, banking or) Tj ET Q q 0 0 0 rg BT 187.60 286.85 Td (ganizations are required to include in ) Tj ET Q q 0 0 0 rg BT 308.30 286.85 Td (TLE the ef) Tj ET Q q 0 0 0 rg BT 342.80 286.85 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 54.00 277.25 Td (exposures permitted if certain conditions are met. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 267.65 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 267.65 Td (Repo-style transactions include repurchase or reverse repurchase transactions and securities borrowing or securities lending transactions.) 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 33.60 Td (42) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Capital Resources of Citigroup) Tj ET Q q 0 0 0 rg BT 166.10 749.25 Td (s Subsidiary U.S. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Depository Institutions ) 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 subsidiary U.S. depository institutions are also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (subject to regulatory capital standards issued by their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (respective primary federal bank regulatory agencies, which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (similar to the standards of the Federal Reserve Board. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 677.25 Td (During 2018, Citi) Tj ET Q q 0 0 0 rg BT 127.61 677.25 Td (s primary subsidiary U.S. depository ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (institution, Citibank, N.A. \(Citibank\), is subject to ef) Tj ET Q q 0 0 0 rg BT 246.91 665.25 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (minimum Common Equity ) Tj ET Q q 0 0 0 rg BT 146.10 653.25 Td (T) Tj ET Q q 0 0 0 rg BT 151.86 653.25 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 206.11 653.25 Td (T) Tj ET Q q 0 0 0 rg BT 211.86 653.25 Td (ier 1 Capital and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.41 641.25 Td (otal Capital ratios, inclusive of the 75% phase-in of the 2.5% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (Capital Conservation Buf) Tj ET Q q 0 0 0 rg BT 138.03 629.25 Td (fer) Tj ET Q q 0 0 0 rg BT 148.72 629.25 Td (, of 6.375%, 7.875% and 9.875%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 83.66 617.25 Td (. Citibank) Tj ET Q q 0 0 0 rg BT 125.88 617.25 Td (s ef) Tj ET Q q 0 0 0 rg BT 139.86 617.25 Td (fective minimum Common Equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 605.25 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 96.00 605.25 Td (T) Tj ET Q q 0 0 0 rg BT 101.76 605.25 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 170.45 605.25 Td (T) Tj ET Q q 0 0 0 rg BT 175.86 605.25 Td (otal Capital ratios during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (2017, inclusive of the 50% phase-in of the 2.5% Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (Conservation Buf) Tj ET Q q 0 0 0 rg BT 394.64 737.10 Td (fer) Tj ET Q q 0 0 0 rg BT 405.34 737.10 Td (, were 5.75%, 7.25% and 9.25%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 371.66 725.10 Td (. Citibank is required to maintain stated minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 392.71 713.10 Td (T) Tj ET Q q 0 0 0 rg BT 398.47 713.10 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 452.72 713.10 Td (T) Tj ET Q q 0 0 0 rg BT 458.47 713.10 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 527.16 713.10 Td (T) Tj ET Q q 0 0 0 rg BT 532.57 713.10 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Capital ratios of 4.5%, 6.0% and 8.0%, respectively) Tj ET Q q 0 0 0 rg BT 530.52 701.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 689.10 Td (The following tables set forth the capital tiers, total risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (weighted assets and underlying risk components, risk-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (capital ratios, quarterly adjusted average total assets, ) Tj ET Q q 0 0 0 rg BT 536.79 665.10 Td (T) Tj ET Q q 0 0 0 rg BT 542.20 665.10 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Leverage Exposure and leverage ratios for Citibank, Citi) Tj ET Q q 0 0 0 rg BT 553.37 653.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (primary subsidiary U.S. depository institution, as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.58 629.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.58 629.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.02 629.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.02 629.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 584.25 Td (Citibank Capital Components and Ratios) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 39.50 521.75 312.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 521.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 521.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 521.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 521.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 521.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 39.50 493.75 312.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 493.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 493.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 493.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 493.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 493.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 39.50 465.75 312.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 465.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 465.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 465.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 465.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 465.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 39.50 437.75 312.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 437.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 437.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 437.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 437.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 437.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 39.50 409.75 312.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 409.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 409.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 409.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 409.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 409.75 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 351.5 559.75 m 405.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 559.75 m 464.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 559.75 m 468.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 559.75 m 522.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 559.75 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 39.5 535.75 m 351.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 559.75 m 405.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 559.75 m 464.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 559.75 m 468.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 559.75 m 468.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 559.75 m 522.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 535.75 m 522.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 559.75 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 522.5 535.75 m 576.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 39.5 535.75 m 351.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 535.75 m 405.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 535.75 m 464.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 535.75 m 468.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 535.75 m 468.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 535.75 m 522.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 535.75 m 576.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 521.75 m 468.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 507.75 m 468.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 479.75 m 405.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 479.75 m 464.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 493.75 m 468.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 479.75 m 468.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 479.75 m 522.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 479.75 m 576.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 479.75 m 405.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 479.75 m 464.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 479.75 m 468.5 465.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 479.75 m 468.5 465.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 479.75 m 522.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 465.75 m 468.5 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 465.75 m 468.5 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 39.5 437.75 m 351.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 437.75 m 405.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 437.75 m 464.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 451.75 m 468.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 437.75 m 468.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 451.75 m 468.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 437.75 m 522.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 437.75 m 576.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 437.75 m 468.5 423.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 423.75 m 468.5 409.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 39.5 395.75 m 351.5 395.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 395.75 m 405.5 395.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 395.75 m 464.5 395.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 409.75 m 468.5 395.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 395.75 m 468.5 395.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 395.75 m 522.5 395.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 395.75 m 576.5 395.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.20 564.20 Td (December) Tj ET Q q 0 0 0 rg BT 410.01 564.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.60 564.21 Td (December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 45.00 540.00 Td (In millions of dollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.70 549.20 Td (Advanced) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.05 540.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 375.47 540.20 Td (oaches) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.70 549.20 Td (Standardized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.30 540.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 435.64 540.20 Td (oach) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 549.21 Td (Advanced) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 540.21 Td (Approaches) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.50 549.21 Td (Standardized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.25 540.21 Td (Approach) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 526.21 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 106.92 526.21 Td (T) Tj ET Q q 0 0 0 rg BT 112.18 526.21 Td (ier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 526.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.75 526.20 Td (129,217) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 526.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 526.20 Td (129,217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 526.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 526.21 Td (122,848) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 526.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 526.21 Td (122,848) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 512.21 Td (T) Tj ET Q q 0 0 0 rg BT 50.34 512.21 Td (ier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.75 512.20 Td (131,341) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 512.20 Td (131,341) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 512.21 Td (124,952) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 512.21 Td (124,952) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 498.21 Td (T) Tj ET Q q 0 0 0 rg BT 49.87 498.21 Td (otal Capital \(T) Tj ET Q q 0 0 0 rg BT 102.04 498.21 Td (ier 1 Capital + ) Tj ET Q q 0 0 0 rg BT 155.94 498.21 Td (T) Tj ET Q q 0 0 0 rg BT 161.12 498.21 Td (ier 2 Capital\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 208.60 502.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.75 498.20 Td (144,485) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 498.20 Td (155,280) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 498.21 Td (138,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 498.21 Td (148,946) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 484.21 Td (T) Tj ET Q q 0 0 0 rg BT 50.18 484.21 Td (otal Risk-W) Tj ET Q q 0 0 0 rg BT 93.25 484.21 Td (eighted ) Tj ET Q q 0 0 0 rg BT 121.38 484.21 Td (Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.75 484.20 Td (927,931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.00 484.20 Td (1,030,514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 484.21 Td (965,435) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 484.21 Td (1,024,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 470.21 Td ( Credit Risk) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 470.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.75 470.20 Td (656,664) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 470.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 470.20 Td (991,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 470.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 470.21 Td (674,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 470.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 470.21 Td (980,324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 456.21 Td ( Market Risk) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.25 456.20 Td (38,144) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.25 456.20 Td (38,515) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 456.21 Td (43,300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 456.21 Td (44,178) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 442.21 Td ( Operational Risk) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.75 442.20 Td (233,123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 442.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 442.21 Td (247,476) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 442.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 428.21 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 106.84 428.21 Td (T) Tj ET Q q 0 0 0 rg BT 112.02 428.21 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 175.25 432.29 Td (\(2\)\(3\)\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.75 428.20 Td (13.93) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 428.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.75 428.20 Td (12.54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 428.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.25 428.21 Td (12.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 428.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 428.21 Td (1) Tj ET Q q 0 0 0 rg BT 552.75 428.21 Td (1.99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 428.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 414.21 Td (T) Tj ET Q q 0 0 0 rg BT 50.18 414.21 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 113.41 418.29 Td (\(2\)\(3\)\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.75 414.20 Td (14.15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.75 414.20 Td (12.75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.25 414.21 Td (12.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 414.21 Td (12.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 400.21 Td (T) Tj ET Q q 0 0 0 rg BT 49.87 400.21 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 110.35 404.29 Td (\(2\)\(3\)\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.75 400.20 Td (15.57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.75 400.20 Td (15.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.25 400.21 Td (14.29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 400.21 Td (14.54) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 358.75 310.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 358.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 358.75 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 358.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.00 358.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.00 358.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 328.75 310.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 328.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 328.75 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 328.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.00 328.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.00 328.75 54.00 -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 41 358.75 m 351 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351 358.75 m 405 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405 358.75 m 464 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464 358.75 m 468 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 358.75 m 522 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522 358.75 m 576 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405 358.75 m 464 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464 358.75 m 468 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522 358.75 m 576 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 328.75 m 351 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351 328.75 m 405 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405 328.75 m 464 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464 328.75 m 468 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 328.75 m 522 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522 328.75 m 576 328.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 41 298.75 m 351 298.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 351 298.75 m 405 298.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 405 298.75 m 464 298.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 464 298.75 m 468 298.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468 298.75 m 522 298.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 522 298.75 m 576 298.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 46.50 363.00 Td (In millions of dollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.70 363.20 Td (December) Tj ET Q q 0 0 0 rg BT 409.51 363.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.10 363.21 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 46.50 348.21 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 82.74 348.21 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 116.99 348.21 Td (A) Tj ET Q q 0 0 0 rg BT 122.82 348.21 Td (verage ) Tj ET Q q 0 0 0 rg BT 148.89 348.21 Td (T) Tj ET Q q 0 0 0 rg BT 153.76 348.21 Td (otal ) Tj ET Q q 0 0 0 rg BT 169.01 348.21 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 192.51 352.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.50 348.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 348.20 Td (1,399,029) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 348.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.00 348.21 Td (1,401,187) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 46.50 333.21 Td (T) Tj ET Q q 0 0 0 rg BT 51.37 333.21 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 136.83 337.29 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.65 333.21 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 333.20 Td (1,914,817) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.00 333.21 Td (1,900,641) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 46.50 318.21 Td (T) Tj ET Q q 0 0 0 rg BT 51.68 318.21 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 122.39 322.29 Td (\(2\)\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.75 318.20 Td (9.39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.50 318.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 318.21 Td (8.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 318.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 46.50 303.21 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 155.45 307.29 Td (\(2\)\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.75 303.20 Td (6.86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 303.21 Td (6.57) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 280.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 280.05 Td (Under the ) Tj ET Q q 0 0 0 rg BT 87.32 280.05 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 121.31 280.05 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 471.47 280.05 Td (T) Tj ET Q q 0 0 0 rg BT 476.07 280.05 Td (ier 2 Capital to the extent the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 270.45 Td (excess reserves do not exceed 0.6% of credit risk-weighted assets, which dif) Tj ET Q q 0 0 0 rg BT 298.00 270.45 Td (fers from the Standardized ) Tj ET Q q 0 0 0 rg BT 384.63 270.45 Td (Approach in which the allowance for credit losses is ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 260.85 Td (eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 130.73 260.85 Td (T) Tj ET Q q 0 0 0 rg BT 135.34 260.85 Td (ier 2 Capital up to 1.25% of credit risk-weighted assets, with any excess allowance for credit losses being deducted in arriving at credit ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 251.25 Td (risk-weighted assets. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 241.65 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 241.65 Td (Citibank) Tj ET Q q 0 0 0 rg BT 83.78 241.65 Td (s risk-based capital and leverage ratios and related components as of December 31, 2017 are non-GAAP) Tj ET Q q 0 0 0 rg BT 417.59 241.65 Td ( financial measures, which reflect full ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 232.05 Td (implementation of regulatory capital adjustments and deductions prior to the ef) Tj ET Q q 0 0 0 rg BT 307.12 232.05 Td (fective date of January 1, 2018. Citi believes these ratios and the related ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 222.45 Td (components provide useful information to investors and others by measuring Citi) Tj ET Q q 0 0 0 rg BT 316.18 222.45 Td (s progress in prior periods against currently ef) Tj ET Q q 0 0 0 rg BT 463.33 222.45 Td (fective regulatory capital ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 212.85 Td (standards. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 203.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 203.25 Td (As of December 31, 2018, Citibank) Tj ET Q q 0 0 0 rg BT 170.20 203.25 Td (s reportable Common Equity ) Tj ET Q q 0 0 0 rg BT 264.71 203.25 Td (T) Tj ET Q q 0 0 0 rg BT 269.31 203.25 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 312.71 203.25 Td (T) Tj ET Q q 0 0 0 rg BT 317.32 203.25 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 372.27 203.25 Td (T) Tj ET Q q 0 0 0 rg BT 376.59 203.25 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 54.00 193.65 Td (Standardized ) Tj ET Q q 0 0 0 rg BT 97.32 193.65 Td (Approach. ) Tj ET Q q 0 0 0 rg BT 132.42 193.65 Td (As of December 31, 2017, Citibank) Tj ET Q q 0 0 0 rg BT 248.62 193.65 Td (s reportable Common Equity ) Tj ET Q q 0 0 0 rg BT 343.13 193.65 Td (T) Tj ET Q q 0 0 0 rg BT 347.73 193.65 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 402.68 193.65 Td (T) Tj ET Q q 0 0 0 rg BT 407.29 193.65 Td (ier 1 Capital ratios were the lower derived under the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 184.05 Td (Basel III Standardized ) Tj ET Q q 0 0 0 rg BT 127.09 184.05 Td (Approach, whereas the reportable ) Tj ET Q q 0 0 0 rg BT 236.89 184.05 Td (T) Tj ET Q q 0 0 0 rg BT 241.22 184.05 Td (otal Capital ratio was the lower derived under the Basel III ) Tj ET Q q 0 0 0 rg BT 430.71 184.05 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 464.70 184.05 Td (Approaches framework.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 174.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 174.45 Td (Citibank must maintain minimum Common Equity ) Tj ET Q q 0 0 0 rg BT 219.19 174.45 Td (T) Tj ET Q q 0 0 0 rg BT 223.79 174.45 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 267.19 174.45 Td (T) Tj ET Q q 0 0 0 rg BT 271.80 174.45 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 315.20 174.45 Td (T) Tj ET Q q 0 0 0 rg BT 319.52 174.45 Td (otal Capital and ) Tj ET Q q 0 0 0 rg BT 372.03 174.45 Td (T) Tj ET Q q 0 0 0 rg BT 376.64 174.45 Td (ier 1 Leverage ratios of 6.5%, 8.0%, 10.0% and 5.0%, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 164.85 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 164.85 Td (, to be considered well capitalized under the revised Prompt Corrective ) Tj ET Q q 0 0 0 rg BT 328.04 164.85 Td (Action \(PCA\) regulations applicable to insured depository institutions as ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 155.25 Td (established by the U.S. Basel III rules. Ef) Tj ET Q q 0 0 0 rg BT 186.27 155.25 Td (fective January 1, 2018, Citibank must also maintain a minimum Supplementary Leverage ratio of 6.0% to be considered ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 145.65 Td (well capitalized.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 136.05 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 136.05 Td (T) Tj ET Q q 0 0 0 rg BT 58.61 136.05 Td (ier 1 Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 163.45 136.05 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 126.45 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 126.45 Td (Supplementary Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 192.84 126.45 Td (. ) Tj ET Q endstream endobj 87 0 obj <> endobj 88 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (43) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Impact of Changes on Citigroup and Citibank Capital Ratios ) 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 estimated sensitivity of ) 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 and Citibank) Tj ET Q q 0 0 0 rg BT 137.67 725.25 Td (s capital ratios to changes of $100 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (million in Common Equity ) Tj ET Q q 0 0 0 rg BT 146.38 713.25 Td (T) Tj ET Q q 0 0 0 rg BT 152.14 713.25 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 206.39 713.25 Td (T) Tj ET Q q 0 0 0 rg BT 212.14 713.25 Td (ier 1 Capital and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.41 701.25 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 36.00 689.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 78.49 689.25 Td (Approaches and Standardized ) Tj ET Q q 0 0 0 rg BT 199.83 689.25 Td (Approach risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (weighted assets and quarterly adjusted average total assets, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (well as ) Tj ET Q q 0 0 0 rg BT 66.37 665.25 Td (T) Tj ET Q q 0 0 0 rg BT 71.78 665.25 Td (otal Leverage Exposure \(denominator\), as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.58 653.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 653.25 Td (. ) Tj ET Q q 0 0 0 rg BT 119.40 653.25 Td (The information below is provided for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (purpose of analyzing the impact that a change in Citigroup) Tj ET Q q 0 0 0 rg BT 273.43 641.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (or Citibank) Tj ET Q q 0 0 0 rg BT 372.05 749.10 Td (s financial position or results of operations could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (have on these ratios. ) Tj ET Q q 0 0 0 rg BT 407.96 737.10 Td (These sensitivities only consider a single ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (change to either a component of regulatory capital, risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (weighted assets, quarterly adjusted average total assets or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.41 701.10 Td (otal Leverage Exposure. ) Tj ET Q q 0 0 0 rg BT 428.81 701.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 478.15 701.10 Td (, an event that af) Tj ET Q q 0 0 0 rg BT 544.33 701.10 Td (fects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (more than one factor may have a lar) Tj ET Q q 0 0 0 rg BT 467.92 689.10 Td (ger basis point impact than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (is reflected in these tables.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (Impact of Changes on Citigroup and Citibank Risk-Based Capital Ratios ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 516.75 103.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 139.50 516.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 516.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 516.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 516.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 516.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 516.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 489.75 103.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 139.50 489.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 489.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 489.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 489.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 489.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 489.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 461.75 103.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 139.50 461.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 461.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 461.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 461.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 461.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 461.75 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 208.5 583.75 m 277.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 583.75 m 346.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 583.75 m 415.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 583.75 m 484.5 583.75 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 139.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 139.5 583.75 m 208.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 139.5 516.75 m 208.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 583.75 m 277.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 516.75 m 277.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 583.75 m 277.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 516.75 m 346.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 583.75 m 415.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 516.75 m 415.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 583.75 m 415.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 516.75 m 484.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 583.75 m 553.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 516.75 m 553.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 516.75 m 277.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 516.75 m 277.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 516.75 m 277.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 516.75 m 415.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 516.75 m 415.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 516.75 m 415.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 503.75 m 277.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 503.75 m 277.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 503.75 m 415.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 503.75 m 415.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 475.75 m 139.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 139.5 475.75 m 208.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 489.75 m 277.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 475.75 m 277.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 489.75 m 277.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 475.75 m 346.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 489.75 m 415.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 475.75 m 415.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 489.75 m 415.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 475.75 m 484.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 475.75 m 553.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 475.75 m 277.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 475.75 m 277.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 475.75 m 415.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 475.75 m 415.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 461.75 m 277.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 461.75 m 277.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 461.75 m 415.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 461.75 m 415.5 447.75 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 139.5 433.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 139.5 433.75 m 208.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 447.75 m 277.5 433.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 433.75 m 277.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 447.75 m 277.5 433.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 433.75 m 346.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 447.75 m 415.5 433.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 433.75 m 415.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 447.75 m 415.5 433.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 433.75 m 484.5 433.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 433.75 m 553.5 433.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.10 597.21 Td (Common Equity ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.75 588.21 Td (T) Tj ET Q q 0 0 0 rg BT 178.93 588.21 Td (ier 1 Capital ratio) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 588.21 Td (T) Tj ET Q q 0 0 0 rg BT 317.09 588.21 Td (ier 1 Capital ratio) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.30 588.21 Td (T) Tj ET Q q 0 0 0 rg BT 456.17 588.21 Td (otal Capital ratio) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 42.00 521.00 Td (In basis points) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 156.10 575.01 Td (Impact of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.35 564.21 Td ($100 million) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 156.10 553.46 Td (change in) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 156.70 542.61 Td (Common ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 161.50 531.86 Td (Equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 148.65 521.06 Td (T) Tj ET Q q 0 0 0 rg BT 153.83 521.06 Td (ier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.10 553.61 Td (Impact of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.10 542.81 Td ($1 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.75 532.06 Td (change in risk-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 214.35 521.21 Td (weighted assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.10 553.61 Td (Impact of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.35 542.81 Td ($100 million) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.10 532.06 Td (change in) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.65 521.21 Td (T) Tj ET Q q 0 0 0 rg BT 291.83 521.21 Td (ier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.10 553.61 Td (Impact of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.10 542.81 Td ($1 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.75 532.06 Td (change in risk-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.35 521.21 Td (weighted assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.10 553.61 Td (Impact of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.35 542.81 Td ($100 million) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.10 532.06 Td (change in) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.15 521.21 Td (T) Tj ET Q q 0 0 0 rg BT 431.02 521.21 Td (otal Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.10 553.61 Td (Impact of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.10 542.81 Td ($1 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 532.06 Td (change in risk-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.35 521.21 Td (weighted assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 508.15 Td (Citigr) Tj ET Q q 0 0 0 rg BT 64.91 508.15 Td (oup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 494.21 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 86.48 494.21 Td (Approaches) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.85 494.20 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.85 494.20 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.35 494.20 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.85 494.20 Td (1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.35 494.20 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.85 494.20 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 480.21 Td (Standardized ) Tj ET Q q 0 0 0 rg BT 96.98 480.21 Td (Approach) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.85 480.20 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.85 480.20 Td (1.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.35 480.20 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.85 480.20 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.35 480.20 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.85 480.20 Td (1.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 466.20 Td (Citibank) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 452.21 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 86.48 452.21 Td (Approaches) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.85 452.20 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.85 452.20 Td (1.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.85 452.20 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.85 452.20 Td (1.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.85 452.20 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.85 452.20 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 438.21 Td (Standardized ) Tj ET Q q 0 0 0 rg BT 96.74 438.21 Td (Approach) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.85 438.20 Td (1.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.85 438.20 Td (1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.85 438.20 Td (1.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.85 438.20 Td (1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.85 438.20 Td (1.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.85 438.20 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 410.25 Td (Impact of Changes on Citigroup and Citibank Leverage Ratios) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 307.75 241.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 307.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 307.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 307.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 307.75 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 346.5 385.75 m 415.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 385.75 m 484.5 385.75 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 277.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 385.75 m 346.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 307.75 m 346.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 385.75 m 415.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 307.75 m 415.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 385.75 m 415.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 307.75 m 484.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 385.75 m 553.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 307.75 m 415.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 307.75 m 415.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 307.75 m 415.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 307.75 m 553.5 307.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 279.75 m 277.5 279.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 279.75 m 346.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 293.75 m 415.5 279.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 279.75 m 415.5 279.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 279.75 m 484.5 279.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 279.75 m 553.5 279.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.05 390.21 Td (T) Tj ET Q q 0 0 0 rg BT 313.39 390.21 Td (ier 1 Leverage ratio) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 390.21 Td (Supplementary Leverage ratio) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 42.00 312.00 Td (In basis points) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.10 344.61 Td (Impact of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.35 333.81 Td ($100 million) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.10 323.06 Td (change in) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.65 312.21 Td (T) Tj ET Q q 0 0 0 rg BT 291.83 312.21 Td (ier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.10 377.01 Td (Impact of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.10 366.21 Td ($1 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.10 355.46 Td (change in ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 344.61 Td (quarterly ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 333.86 Td (adjusted ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.35 323.06 Td (average total ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 312.21 Td (assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.10 344.61 Td (Impact of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.35 333.81 Td ($100 million) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.10 323.06 Td (change in) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.65 312.21 Td (T) Tj ET Q q 0 0 0 rg BT 429.83 312.21 Td (ier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.10 355.36 Td (Impact of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.10 344.56 Td ($1 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.90 333.81 Td (change in ) Tj ET Q q 0 0 0 rg BT 527.72 333.81 Td (T) Tj ET Q q 0 0 0 rg BT 532.59 333.81 Td (otal ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 322.96 Td (Leverage ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 312.21 Td (Exposure) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 298.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 64.91 298.20 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.85 298.20 Td (0.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.85 298.20 Td (0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.85 298.20 Td (0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.85 298.20 Td (0.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 284.20 Td (Citibank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.85 284.20 Td (0.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.85 284.20 Td (0.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.85 284.20 Td (0.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.85 284.20 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 258.65 Td (Citigroup Broker-Dealer Subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 246.65 Td (At December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.08 246.65 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.08 246.65 Td (, Citigroup Global Markets Inc., a U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 234.65 Td (broker) Tj ET Q q 0 0 0 rg BT 61.90 234.65 Td (-dealer registered with the SEC that is an indirect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 222.65 Td (wholly owned subsidiary of Citigroup, had net capital, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 210.65 Td (computed in accordance with the SEC) Tj ET Q q 0 0 0 rg BT 191.79 210.65 Td (s net capital rule, of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 198.65 Td ($8.2 billion, which exceeded the minimum requirement by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 186.65 Td ($5.6 billion. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 174.65 Td (Moreover) Tj ET Q q 0 0 0 rg BT 93.03 174.65 Td (, Citigroup Global Markets Limited, a broker) Tj ET Q q 0 0 0 rg BT 273.35 174.65 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 162.65 Td (dealer registered with the United Kingdom) Tj ET Q q 0 0 0 rg BT 210.12 162.65 Td (s Prudential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 150.65 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 81.83 150.65 Td (Authority \(PRA\) that is also an indirect wholly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 138.65 Td (owned subsidiary of Citigroup, had total capital of $20.9 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 126.65 Td (billion at December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.91 126.65 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.91 126.65 Td (, which exceeded the PRA's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 114.65 Td (minimum regulatory capital requirements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 258.65 Td (In addition, certain of Citi) Tj ET Q q 0 0 0 rg BT 448.92 258.65 Td (s other broker) Tj ET Q q 0 0 0 rg BT 504.26 258.65 Td (-dealer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 246.65 Td (subsidiaries are subject to regulation in the countries in which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 234.65 Td (they do business, including requirements to maintain specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 222.65 Td (levels of net capital or its equivalent. Citigroup) Tj ET Q q 0 0 0 rg BT 515.06 222.65 Td (s other broker) Tj ET Q q 0 0 0 rg BT 570.40 222.65 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 210.65 Td (dealer subsidiaries were in compliance with their capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 198.65 Td (requirements at December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.00 198.65 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.00 198.65 Td (. ) 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 33.60 Td (44) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Regulatory Capital Standards Developments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The U.S. banking agencies and the Basel Committee issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (numerous proposed and final rules on a variety of topics in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (2018, as well as early 2019. In the U.S., the most significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (proposals would introduce stress buf) Tj ET Q q 0 0 0 rg BT 182.46 701.25 Td (fer requirements, as well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (as a new methodology for calculating risk-weighted assets for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (derivative contracts. ) Tj ET Q q 0 0 0 rg BT 119.39 677.25 Td (The Basel Committee, among other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (things, finalized revisions to the GSIB framework as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (the minimum capital requirements for market risk.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (U.S. Banking ) Tj ET Q q 0 0 0 rg BT 94.36 629.25 Td (Agencies) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (Regulatory Capital T) Tj ET Q q 0 0 0 rg BT 122.30 605.25 Td (reatmentImplementation and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.74 593.25 Td (ransition of the Current Expected Credit Losses \(CECL\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (Methodology) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (In February 2019, the U.S. banking agencies issued a final rule ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (that provides banking or) Tj ET Q q 0 0 0 rg BT 133.30 557.25 Td (ganizations an optional phase-in over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (a three-year period of the Day One adverse regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (capital ef) Tj ET Q q 0 0 0 rg BT 72.74 533.25 Td (fects resulting from adoption of the CECL) Tj ET Q q 0 0 0 rg BT 241.78 533.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (methodology) Tj ET Q q 0 0 0 rg BT 88.12 521.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 509.25 Td (The rule is in recognition of the issuance by the Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (Accounting Standards Board of ) Tj ET Q q 0 0 0 rg BT 164.31 497.25 Td (ASU No. 2016-13, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 246.81 497.25 Td (Financial ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (InstrumentsCr) Tj ET Q q 0 0 0 rg BT 102.30 485.25 Td (edit Losses,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.97 485.25 Td ( which will replace the current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (incurred loss methodology for recognizing credit losses with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (the CECL) Tj ET Q q 0 0 0 rg BT 75.90 461.25 Td ( methodology) Tj ET Q q 0 0 0 rg BT 130.53 461.25 Td (. ) Tj ET Q q 0 0 0 rg BT 135.35 461.25 Td (The ) Tj ET Q q 0 0 0 rg BT 152.84 461.25 Td (ASU will be ef) Tj ET Q q 0 0 0 rg BT 212.93 461.25 Td (fective for Citi as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (of January 1, 2020, and will generally result in the earlier ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (recognition of the provision for credit losses and related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (allowance for credit losses than current practice. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (additional information regarding the CECL) Tj ET Q q 0 0 0 rg BT 208.92 413.25 Td ( methodology) Tj ET Q q 0 0 0 rg BT 263.54 413.25 Td (, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (Future ) Tj ET Q q 0 0 0 rg BT 68.50 401.25 Td (Application of ) Tj ET Q q 0 0 0 rg BT 128.49 401.25 Td (Accounting Standards below) Tj ET Q q 0 0 0 rg BT 247.81 401.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 389.25 Td (Citi and Citibank plan to elect the transition provisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (provided by the rule, and will phase-in the Day One ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (regulatory capital ef) Tj ET Q q 0 0 0 rg BT 116.33 365.25 Td (fects resulting from adoption of the CECL) Tj ET Q q 0 0 0 rg BT 285.37 365.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (methodology over the three-year period beginning January 1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (2020. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 329.25 Td (Separately) Tj ET Q q 0 0 0 rg BT 95.55 329.25 Td (, in December 2018, the Federal Reserve Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (issued a statement that it plans to maintain its current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (framework for calculating allowances on loans in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (supervisory stress test for the 2020 and 2021 supervisory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (stress test cycles, and to evaluate appropriate future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (enhancements to this framework as best practices for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (implementing CECL) Tj ET Q q 0 0 0 rg BT 119.23 257.25 Td ( are developed. However) Tj ET Q q 0 0 0 rg BT 218.78 257.25 Td (, banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (or) Tj ET Q q 0 0 0 rg BT 44.15 245.25 Td (ganizations are required to incorporate CECL) Tj ET Q q 0 0 0 rg BT 226.21 245.25 Td ( into their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (stress testing methodologies, data, and disclosure beginning in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (the cycle coinciding with their first full year of CECL) Tj ET Q q 0 0 0 rg BT 250.84 221.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (adoption \(2020 for Citi\). ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (Stress Buf) Tj ET Q q 0 0 0 rg BT 78.33 185.25 Td (fer Requirements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (In ) Tj ET Q q 0 0 0 rg BT 46.28 173.25 Td (April 2018, the Federal Reserve Board issued a proposal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (that is designed to more closely integrate the results of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (quantitative assessment in CCAR with firms) Tj ET Q q 0 0 0 rg BT 216.63 149.25 Td ( ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (minimum capital requirements under the U.S. Basel III rules.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 125.25 Td (Specifically) Tj ET Q q 0 0 0 rg BT 101.11 125.25 Td (, the proposed rule would replace the existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.25 Td (Capital Conservation Buf) Tj ET Q q 0 0 0 rg BT 138.03 113.25 Td (fer) Tj ET Q q 0 0 0 rg BT 148.72 113.25 Td (, currently fixed at 2.5% under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 Td (U.S. Basel III rules, with \(i\) a variable buf) Tj ET Q q 0 0 0 rg BT 204.94 101.25 Td (fer known as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.25 Td (Stress Capital Buf) Tj ET Q q 0 0 0 rg BT 108.59 89.25 Td (fer \(as described below\), plus \(ii\) for U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.25 Td (GSIBs, the GSIB) Tj ET Q q 0 0 0 rg BT 107.95 77.25 Td (s then-current GSIB surchar) Tj ET Q q 0 0 0 rg BT 220.24 77.25 Td (ge, plus \(iii\) the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 148.01 65.25 Td (fer) Tj ET Q q 0 0 0 rg BT 158.71 65.25 Td (, if any) Tj ET Q q 0 0 0 rg BT 186.10 65.25 Td (. ) Tj ET Q q 0 0 0 rg BT 190.92 65.25 Td (These three ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (components would constitute the new Capital Conservation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (Buf) Tj ET Q q 0 0 0 rg BT 338.82 737.10 Td (fer) Tj ET Q q 0 0 0 rg BT 349.37 737.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 725.10 Td (The Stress Capital Buf) Tj ET Q q 0 0 0 rg BT 432.64 725.10 Td (fer \(SCB\) would be equal to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (maximum decline in a bank holding company) Tj ET Q q 0 0 0 rg BT 510.07 713.10 Td (s Common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 352.98 701.10 Td (T) Tj ET Q q 0 0 0 rg BT 358.74 701.10 Td (ier 1 Capital ratio under the severely adverse scenario ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (of the supervisory stress test, plus planned common stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (dividends for each of the fourth through seventh quarters of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (the planning horizon \(expressed as a percentage of risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (weighted assets\)the so-called dividend add-on. ) Tj ET Q q 0 0 0 rg BT 532.09 653.10 Td (The SCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (would be subject to a floor of 2.5%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 629.10 Td (In addition to the SCB, the proposed rule would establish ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (a new Stress Leverage Buf) Tj ET Q q 0 0 0 rg BT 431.00 617.10 Td (fer requirement above the stated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 365.21 605.10 Td (T) Tj ET Q q 0 0 0 rg BT 370.97 605.10 Td (ier 1 Leverage ratio requirement. ) Tj ET Q q 0 0 0 rg BT 505.16 605.10 Td (The Stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Leverage Buf) Tj ET Q q 0 0 0 rg BT 378.51 593.10 Td (fer would be equal to the maximum decline in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (bank holding company) Tj ET Q q 0 0 0 rg BT 418.43 581.10 Td (s ) Tj ET Q q 0 0 0 rg BT 424.64 581.10 Td (T) Tj ET Q q 0 0 0 rg BT 430.40 581.10 Td (ier 1 Leverage ratio under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (severely adverse scenario of the supervisory stress test, plus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (planned common stock dividends for each of the fourth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (through seventh quarters of the planning horizon \(expressed as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (a percentage of quarterly adjusted average total assets\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 521.10 Td (Finally) Tj ET Q q 0 0 0 rg BT 369.69 521.10 Td (, the proposed rule would also modify certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (assumptions currently required in supervisory stress tests, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (including continued capital distributions during the nine-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (quarter capital planning horizon and balance sheet growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (assumptions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 461.10 Td (Under the timeline for stress testing and CCAR cycles ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (included within the proposed rule, the Federal Reserve Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (would generally release its calculation of each bank holding ) 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 363.43 425.10 Td (s SCB and Stress Leverage Buf) Tj ET Q q 0 0 0 rg BT 489.07 425.10 Td (fer by June 30 of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (each year) Tj ET Q q 0 0 0 rg BT 361.47 413.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 401.10 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 401.10 Td ( final rule has not yet been issued. In late 2018, senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (staf) Tj ET Q q 0 0 0 rg BT 338.26 389.10 Td (f at the Federal Reserve Board indicated publicly that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (proposal would not take ef) Tj ET Q q 0 0 0 rg BT 430.46 377.10 Td (fect until 2020 at the earliest. It was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (also noted that the Federal Reserve Board plans to re-propose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (certain elements of the proposal to better balance the need to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (preserve the dynamism of stress testing while reducing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (unnecessary volatility) Tj ET Q q 0 0 0 rg BT 410.83 329.10 Td (. ) Tj ET Q q 0 0 0 rg BT 415.65 329.10 Td (The potential re-proposal may also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (address certain other elements of the original proposal, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (the relative timing between stress testing results and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (submission of a firm) Tj ET Q q 0 0 0 rg BT 409.27 293.10 Td (s capital plan, the consequences of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (breaching a buf) Tj ET Q q 0 0 0 rg BT 386.01 281.10 Td (fer) Tj ET Q q 0 0 0 rg BT 396.71 281.10 Td (, the role and calibration of the dividend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (add-on, and the necessity of the Stress Leverage Buf) Tj ET Q q 0 0 0 rg BT 534.03 269.10 Td (fer) Tj ET Q q 0 0 0 rg BT 544.58 269.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (Enhanced Supplementary Leverage Ratio and T) Tj ET Q q 0 0 0 rg BT 521.69 245.10 Td (otal Loss-) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (Absorbing Capacity \(TLAC\) Requirements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (In ) Tj ET Q q 0 0 0 rg BT 334.28 221.10 Td (April 2018, the Federal Reserve Board and the Of) Tj ET Q q 0 0 0 rg BT 533.76 221.10 Td (fice of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (Comptroller of the Currency \(OCC\) jointly issued a proposal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (that would modify the enhanced Supplementary Leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (ratio standards applicable to U.S. GSIBs and their Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (Reserve Board or OCC-regulated insured depository ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (institution subsidiaries. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 149.10 Td (The proposed rule would replace the currently fixed 2.0% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (leverage buf) Tj ET Q q 0 0 0 rg BT 373.51 137.10 Td (fer requirement with a variable leverage buf) Tj ET Q q 0 0 0 rg BT 549.35 137.10 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (requirement equal to 50% of the U.S. GSIB) Tj ET Q q 0 0 0 rg BT 501.47 125.10 Td (s currently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (applicable GSIB surchar) Tj ET Q q 0 0 0 rg BT 422.12 113.10 Td (ge. Similarly) Tj ET Q q 0 0 0 rg BT 473.13 113.10 Td (, for the regulated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (insured depository institution subsidiaries of U.S. GSIBs, such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (as Citibank, the proposed rule would replace the currently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (fixed 6.0% threshold at which these subsidiaries are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (considered to be well capitalized under the PCA) Tj ET Q q 0 0 0 rg BT 525.32 65.10 Td ( framework ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (with a threshold set at the stated minimum requirement of ) 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 33.60 Td (45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (3.0% plus 50% of the GSIB surchar) Tj ET Q q 0 0 0 rg BT 179.41 749.10 Td (ge applicable to the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (GSIB of which it is a subsidiary) Tj ET Q q 0 0 0 rg BT 163.68 737.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 725.10 Td (The proposed rule would also make corresponding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (modifications to certain of the Federal Reserve Board) Tj ET Q q 0 0 0 rg BT 253.43 713.10 Td (s ) Tj ET Q q 0 0 0 rg BT 259.64 713.10 Td (TLAC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (requirements applicable to U.S. GSIBs. ) Tj ET Q q 0 0 0 rg BT 195.98 701.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 245.31 701.10 Td (, under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (proposed rule, each U.S. GSIB) Tj ET Q q 0 0 0 rg BT 162.37 689.10 Td (s fixed 2.0% leverage-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (TLAC buf) Tj ET Q q 0 0 0 rg BT 77.76 677.10 Td (fer would be replaced with a buf) Tj ET Q q 0 0 0 rg BT 207.52 677.10 Td (fer equal to 50% of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (the GSIB surchar) Tj ET Q q 0 0 0 rg BT 105.25 665.10 Td (ge, and the leverage component of each U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (GSIB) Tj ET Q q 0 0 0 rg BT 61.56 653.10 Td (s Long-T) Tj ET Q q 0 0 0 rg BT 97.80 653.10 Td (erm Debt \(L) Tj ET Q q 0 0 0 rg BT 146.31 653.10 Td (TD\) requirement would be revised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (to equal ) Tj ET Q q 0 0 0 rg BT 70.25 641.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.66 641.10 Td (otal Leverage Exposure multiplied by 2.5% plus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (50% of the U.S. GSIB) Tj ET Q q 0 0 0 rg BT 128.22 629.10 Td (s applicable GSIB surchar) Tj ET Q q 0 0 0 rg BT 232.73 629.10 Td (ge. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (additional information about ) Tj ET Q q 0 0 0 rg BT 152.74 617.10 Td (TLAC, see Managing Global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (RiskLiquidity RiskLong-T) Tj ET Q q 0 0 0 rg BT 162.25 605.10 Td (erm DebtT) Tj ET Q q 0 0 0 rg BT 215.15 605.10 Td (otal Loss-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (Absorbing Capacity \(TLAC\) below) Tj ET Q q 0 0 0 rg BT 182.26 593.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 581.10 Td (If adopted as proposed, and assuming that Citi maintains a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (method 2 GSIB surchar) Tj ET Q q 0 0 0 rg BT 130.53 569.10 Td (ge of 3.0%, Citi) Tj ET Q q 0 0 0 rg BT 196.91 569.10 Td (s ef) Tj ET Q q 0 0 0 rg BT 210.89 569.10 Td (fective minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (Supplementary Leverage ratio requirement would be reduced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (to 4.5%, compared to the current 5.0%. Citibank) Tj ET Q q 0 0 0 rg BT 232.89 545.10 Td (s ef) Tj ET Q q 0 0 0 rg BT 246.87 545.10 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (minimum Supplementary Leverage ratio to be determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (well capitalized under the PCA) Tj ET Q q 0 0 0 rg BT 169.29 521.10 Td ( framework would similarly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (be reduced to 4.5%, compared to the current 6.0%. Citi) Tj ET Q q 0 0 0 rg BT 259.54 509.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (leverage-based ) Tj ET Q q 0 0 0 rg BT 98.28 497.10 Td (TLAC buf) Tj ET Q q 0 0 0 rg BT 140.04 497.10 Td (fer would decrease from 2.0% to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (1.5%, which would reduce Citi) Tj ET Q q 0 0 0 rg BT 163.20 485.10 Td (s ef) Tj ET Q q 0 0 0 rg BT 177.18 485.10 Td (fective minimum leverage-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (based ) Tj ET Q q 0 0 0 rg BT 61.09 473.10 Td (TLAC requirement from 9.5% to 9.0%. ) Tj ET Q q 0 0 0 rg BT 221.33 473.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 271.23 473.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (the leverage component of Citi) Tj ET Q q 0 0 0 rg BT 162.63 461.10 Td (s long-term debt requirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (would decrease from 4.5% to 4.0%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 437.10 Td (The Economic Growth, Regulatory Relief, and Consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (Protection ) Tj ET Q q 0 0 0 rg BT 79.05 425.10 Td (Act, which was signed into law in 2018, directs the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (U.S. banking agencies to amend the U.S. Basel III rules to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (exclude certain custody-related deposits from the definition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.41 389.10 Td (otal Leverage Exposure for custody banks. ) Tj ET Q q 0 0 0 rg BT 214.78 389.10 Td (The U.S. banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (agencies have not yet issued a notice of proposed rulemaking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (in response to this particular provision of the ) Tj ET Q q 0 0 0 rg BT 217.08 365.10 Td (Act, and it is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (currently unclear how this may impact or interact with their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (proposed rulemaking from ) Tj ET Q q 0 0 0 rg BT 144.59 341.10 Td (April 2018.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (Standardized ) Tj ET Q q 0 0 0 rg BT 92.03 317.10 Td (Approach for Counterparty Credit Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (In December 2018, the U.S. banking agencies issued a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (proposal to introduce the Standardized ) Tj ET Q q 0 0 0 rg BT 192.35 293.10 Td (Approach for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (Counterparty Credit Risk \(SA-CCR\) in the U.S. SA-CCR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (would replace the Current Exposure Method \(CEM\), which is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (the current methodology used to calculate risk-weighted assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (for all derivative contracts under the Standardized ) Tj ET Q q 0 0 0 rg BT 237.87 245.10 Td (Approach, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (as well as risk-weighted assets for derivative contracts under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (the ) Tj ET Q q 0 0 0 rg BT 50.17 221.10 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 92.65 221.10 Td (Approaches in cases where internal models are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (not used. ) Tj ET Q q 0 0 0 rg BT 74.06 209.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 123.96 209.10 Td (, SA-CCR would replace CEM in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (numerous other instances throughout the regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (framework, including but not limited to the Supplementary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (Leverage Ratio, single counterparty credit limits, and legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (lending limits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 149.10 Td (Under SA-CCR, a banking or) Tj ET Q q 0 0 0 rg BT 172.42 149.10 Td (ganization would calculate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (the exposure amount of its derivative contracts at the netting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (set level. Multiple derivative contracts would generally be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (considered to be under the same netting set so long as each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (derivative contract is subject to the same qualifying master ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (netting agreement. SA-CCR also introduces the concept of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (hedging sets, which would allow a banking or) Tj ET Q q 0 0 0 rg BT 219.68 77.10 Td (ganization to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (fully or partially net derivative contracts within the same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (netting set that share similar risk factors. Moreover) Tj ET Q q 0 0 0 rg BT 239.98 53.10 Td (, SA-CCR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (incorporates updated supervisory factors and maturity factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (to calculate the potential future exposure of a derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (contract, and provides for improved recognition of collateral. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Under the proposal, the exposure amount of a netting set ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (would be equal to an alpha factor of 1.4 multiplied by the sum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (of the replacement cost and potential future exposure of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (netting set.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 665.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 367.63 665.10 Td (fective date of the proposed rule is July 1, 2020; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (however) Tj ET Q q 0 0 0 rg BT 358.03 653.10 Td (, early adoption would be permitted. If adopted as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (proposed, Citi) Tj ET Q q 0 0 0 rg BT 383.44 641.10 Td (s risk-weighted assets related to derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (contracts under the Standardized ) Tj ET Q q 0 0 0 rg BT 456.73 629.10 Td (Approach are likely to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (increase. ) Tj ET Q q 0 0 0 rg BT 361.57 617.10 Td (The ultimate impact on Citi, however) Tj ET Q q 0 0 0 rg BT 511.13 617.10 Td (, will depend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (upon the specific provisions of any final rule.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (Stress T) Tj ET Q q 0 0 0 rg BT 356.14 581.10 Td (esting Requirements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (The U.S. banking agencies have recently issued a number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (proposals that would modify company-run stress testing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (requirements to conform with the Economic Growth, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (Regulatory Relief, and Consumer Protection ) Tj ET Q q 0 0 0 rg BT 503.97 533.10 Td (Act. In October ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (2018, the Federal Reserve Board released a proposal that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (would eliminate the mid-cycle stress test requirement for all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (bank holding companies, including Citi, ef) Tj ET Q q 0 0 0 rg BT 494.63 497.10 Td (fective in the 2020 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (cycle \(the proposal would maintain the requirement to conduct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (an annual company-run stress test\). In January 2019, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (Federal Reserve Board released a further proposal that would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (eliminate the hypothetical adverse scenario from company-run ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (stress tests for bank holding companies, including Citi. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (Similarly) Tj ET Q q 0 0 0 rg BT 360.57 425.10 Td (, the Federal Reserve Board would no longer include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (an adverse scenario in its supervisory stress tests. \(The Of) Tj ET Q q 0 0 0 rg BT 555.43 413.10 Td (fice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (of the Comptroller of the Currency and the Federal Deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (Insurance Corporation released similar proposals in December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (2018.\) Company-run stress tests and supervisory stress tests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (would continue to include a severely adverse scenario. ) Tj ET Q q 0 0 0 rg BT 544.57 365.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (proposals did not specify a proposed ef) Tj ET Q q 0 0 0 rg BT 480.45 353.10 Td (fective date for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (elimination of the adverse scenario.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (Basel Committee ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (Revised ) Tj ET Q q 0 0 0 rg BT 357.78 293.10 Td (Assessment Framework for Global Systemically ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (Important Banks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (In July 2018, the Basel Committee issued a final standard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (which revised its framework for assessing the global systemic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (importance of banks, beginning with the 2021 assessment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (\(For a description of the Basel Committee) Tj ET Q q 0 0 0 rg BT 495.07 233.10 Td (s GSIB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (methodology) Tj ET Q q 0 0 0 rg BT 376.12 221.10 Td (, so-called method 1 under the U.S. Basel III ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (rules, see Current Regulatory Capital StandardsGSIB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (Surchar) Tj ET Q q 0 0 0 rg BT 354.92 197.10 Td (ge above.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 185.10 Td (The final standard introduces a trading volume indicator ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (within the substitutability/financial institution infrastructure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (category) Tj ET Q q 0 0 0 rg BT 357.77 161.10 Td (, accompanied by an equivalent reduction in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (current weighting of the existing underwriting indicator) Tj ET Q q 0 0 0 rg BT 546.17 149.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (Among other revisions, the standard also expands the scope of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (consolidation to include exposures of insurance subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (within the size, interconnectedness, and complexity categories.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 101.10 Td (If the Federal Reserve Board were to adopt the Basel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (Committee) Tj ET Q q 0 0 0 rg BT 371.22 89.10 Td (s revisions with respect to the U.S. GSIB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (framework, Citi) Tj ET Q q 0 0 0 rg BT 390.65 77.10 Td (s estimated method 1 GSIB surchar) Tj ET Q q 0 0 0 rg BT 532.39 77.10 Td (ge would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (remain unchanged at 2.0%. ) 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 33.60 Td (46) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (The Basel Committee indicated in the standard that it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (plans to complete another review of the GSIB framework by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (2021, at which time it will consider alternative methodologies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (for the substitutability category) Tj ET Q q 0 0 0 rg BT 160.60 713.10 Td (, including the removal of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (existing cap. Citi) Tj ET Q q 0 0 0 rg BT 106.83 701.10 Td (s estimated method 1 GSIB surchar) Tj ET Q q 0 0 0 rg BT 248.56 701.10 Td (ge may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (increase in the future, if the Federal Reserve Board were to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (adopt alternative methodologies for the substitutability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (category) Tj ET Q q 0 0 0 rg BT 69.77 665.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (Revisions to the Minimum Capital Requirements for ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (Market Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (In January 2019, the Basel Committee issued a final standard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (that revises the market risk capital frameworkthe so-called ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (Fundamental Review of the ) Tj ET Q q 0 0 0 rg BT 149.13 593.10 Td (T) Tj ET Q q 0 0 0 rg BT 154.88 593.10 Td (rading Book, or FR) Tj ET Q q 0 0 0 rg BT 232.06 593.10 Td (TB. ) Tj ET Q q 0 0 0 rg BT 249.66 593.10 Td (The final ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (rule revises the assessment process under the ) Tj ET Q q 0 0 0 rg BT 217.89 581.10 Td (Advanced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (Approaches to determine whether a bank) Tj ET Q q 0 0 0 rg BT 202.88 569.10 Td (s internal risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (management models appropriately reflect the risks of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (individual trading desks, and clarifies the requirements for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (identification of risk factors that are eligible for internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (modeling. In addition, the risk weights for general interest rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (risk and foreign exchange risk under the Standardized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (Approach have been recalibrated. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 485.10 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 36.00 473.10 Td (Committee) Tj ET Q q 0 0 0 rg BT 83.22 473.10 Td (s revised market risk framework unchanged, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (believes its market risk-weighted assets could increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (significantly) Tj ET Q q 0 0 0 rg BT 85.34 449.10 Td (. ) Tj ET Q q 0 0 0 rg BT 90.16 449.10 Td (The ultimate impact on Citi, however) Tj ET Q q 0 0 0 rg BT 239.72 449.10 Td (, will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (depend upon the specific provisions of any final rule.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (Leverage Ratio T) Tj ET Q q 0 0 0 rg BT 106.72 413.10 Td (reatment of Client Cleared Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (In October 2018, the Basel Committee issued a consultative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (document seeking views as to whether a tar) Tj ET Q q 0 0 0 rg BT 209.93 389.10 Td (geted and limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (revision of the leverage ratio exposure measure was warranted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (with regard to the treatment of client cleared derivatives. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (the U.S., the Basel Committee) Tj ET Q q 0 0 0 rg BT 160.15 353.10 Td (s leverage ratio framework and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (leverage ratio exposure measure are most closely aligned with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (the Supplementary Leverage Ratio and ) Tj ET Q q 0 0 0 rg BT 194.37 329.10 Td (T) Tj ET Q q 0 0 0 rg BT 199.78 329.10 Td (otal Leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (Exposure, respectively) Tj ET Q q 0 0 0 rg BT 126.43 317.10 Td (. Under the Basel Committee) Tj ET Q q 0 0 0 rg BT 245.57 317.10 Td (s leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (ratio framework, the leverage ratio exposure measure is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (generally not adjusted for physical or financial collateral, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (guarantees or other credit risk mitigation techniques, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (initial mar) Tj ET Q q 0 0 0 rg BT 77.20 269.10 Td (gin received from clients. However) Tj ET Q q 0 0 0 rg BT 218.13 269.10 Td (, the Basel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (Committee consultative document proposes two alternative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (treatments for client cleared derivatives that would reduce the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (leverage ratio exposure measure, to varying degrees, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (recognition of the beneficial ef) Tj ET Q q 0 0 0 rg BT 159.10 221.10 Td (fects of mar) Tj ET Q q 0 0 0 rg BT 206.67 221.10 Td (gin requirements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (and overcollateralization, as applicable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 197.10 Td (One of the options under consideration would allow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (amounts of cash and non-cash initial mar) Tj ET Q q 0 0 0 rg BT 200.22 185.10 Td (gin that are received ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (from the client to of) Tj ET Q q 0 0 0 rg BT 115.79 173.10 Td (fset the potential future exposure of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (derivatives centrally cleared on the client) Tj ET Q q 0 0 0 rg BT 203.42 161.10 Td (s behalf. ) Tj ET Q q 0 0 0 rg BT 239.25 161.10 Td (Another ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (option would amend the currently specified treatment of client ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (cleared derivatives to align it with the measurement as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (determined per the Basel Committee) Tj ET Q q 0 0 0 rg BT 185.40 125.10 Td (s standardized approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (for measuring counterparty credit risk exposures, as used for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (risk-based capital requirements. ) Tj ET Q q 0 0 0 rg BT 165.77 101.10 Td (This option would permit both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (cash and non-cash forms of initial mar) Tj ET Q q 0 0 0 rg BT 189.66 89.10 Td (gin and variation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (mar) Tj ET Q q 0 0 0 rg BT 51.37 77.10 Td (gin received from the client to of) Tj ET Q q 0 0 0 rg BT 182.80 77.10 Td (fset replacement cost and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (potential future exposure for client cleared derivatives only) Tj ET Q q 0 0 0 rg BT 272.20 65.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (If the U.S. agencies were to amend the Supplementary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (Leverage Ratio requirements in a manner similar to either of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (the options under consideration by the Basel Committee, Citi) Tj ET Q q 0 0 0 rg BT 571.46 725.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Supplementary Leverage Ratio would likely benefit modestly) Tj ET Q q 0 0 0 rg BT 569.95 713.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (However) Tj ET Q q 0 0 0 rg BT 360.25 701.10 Td (, the impact from and timing of any actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (undertaken by the Basel Committee or the U.S. banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (agencies in this regard remains uncertain. ) 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 33.60 Td (47) Tj ET Q BT /F2 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 41.75 749.25 Td (angible Common Equity) Tj ET Q q 0 0 0 rg BT 145.66 749.25 Td (, Book ) Tj ET Q q 0 0 0 rg BT 175.21 749.25 Td (V) Tj ET Q q 0 0 0 rg BT 181.52 749.25 Td (alue Per) Tj ET Q q 0 0 0 rg BT 216.60 749.25 Td ( Shar) Tj ET Q q 0 0 0 rg BT 239.48 749.25 Td (e, ) Tj ET Q q 0 0 0 rg BT 248.74 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 254.49 749.25 Td (angible ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Book ) Tj ET Q q 0 0 0 rg BT 60.55 737.25 Td (V) Tj ET Q q 0 0 0 rg BT 66.85 737.25 Td (alue Per) Tj ET Q q 0 0 0 rg BT 101.94 737.25 Td ( Shar) Tj ET Q q 0 0 0 rg BT 124.82 737.25 Td (e and Returns on Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.41 725.25 Td (angible common equity \(TCE\), as defined by Citi, represents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (common stockholders) Tj ET Q q 0 0 0 rg BT 126.63 713.25 Td ( equity less goodwill and identifiable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (intangible assets \(other than MSRs\). Other companies may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (calculate ) Tj ET Q q 0 0 0 rg BT 73.85 689.25 Td (TCE in a dif) Tj ET Q q 0 0 0 rg BT 123.38 689.25 Td (ferent manner) Tj ET Q q 0 0 0 rg BT 178.63 689.25 Td (. ) Tj ET Q q 0 0 0 rg BT 183.45 689.25 Td (TCE, tangible book value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (\(TBV\) per share and return on average ) Tj ET Q q 0 0 0 rg BT 193.25 677.25 Td (TCE are non-GAAP) Tj ET Q q 0 0 0 rg BT 274.53 677.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (financial measures. Citi believes the presentation of ) Tj ET Q q 0 0 0 rg BT 245.19 665.25 Td (TCE, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (TBV) Tj ET Q q 0 0 0 rg BT 55.82 653.25 Td ( per share and return on average ) Tj ET Q q 0 0 0 rg BT 186.41 653.25 Td (TCE provides alternate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (measures of capital strength and performance that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (commonly used by investors and industry analysts.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 594.75 379.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 594.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 594.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 566.75 379.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 566.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 566.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 538.75 379.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 538.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 538.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 510.75 379.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 510.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 510.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 482.75 379.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 482.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 482.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 454.75 379.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 454.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 454.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 371.75 379.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 371.75 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 371.75 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 342.75 379.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 342.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 342.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 314.75 379.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 314.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 314.75 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 36.5 594.75 m 415.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 594.75 m 484.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 594.75 m 553.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 594.75 m 484.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 594.75 m 553.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 566.75 m 484.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 566.75 m 553.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 566.75 m 415.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 566.75 m 484.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 566.75 m 553.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 496.75 m 415.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 496.75 m 484.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 496.75 m 553.5 496.75 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 415.5 496.75 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 415.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 496.75 m 484.5 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 482.75 m 484.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 496.75 m 553.5 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 482.75 m 553.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 468.75 m 415.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 468.75 m 484.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 468.75 m 553.5 468.75 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 415.5 440.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 440.75 m 484.5 440.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 440.75 m 553.5 440.75 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 415.5 371.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 440.75 m 484.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 371.75 m 484.5 371.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 440.75 m 553.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 371.75 m 553.5 371.75 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 415.5 371.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 356.75 m 415.5 356.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 371.75 m 484.5 371.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 356.75 m 484.5 356.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 371.75 m 553.5 371.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 356.75 m 553.5 356.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 356.75 m 415.5 356.75 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 415.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 356.75 m 484.5 356.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 342.75 m 484.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 356.75 m 553.5 356.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 342.75 m 553.5 342.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 300.75 m 415.5 300.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 300.75 m 484.5 300.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 300.75 m 553.5 300.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 42.00 599.00 Td (In millions of dollars or shar) Tj ET Q q 0 0 0 rg BT 134.53 599.00 Td (es, except per shar) Tj ET Q q 0 0 0 rg BT 194.21 599.00 Td (e amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.30 610.00 Td (December) Tj ET Q q 0 0 0 rg BT 462.19 610.00 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.50 599.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.25 610.01 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 599.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 585.20 Td (T) Tj ET Q q 0 0 0 rg BT 47.59 585.20 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 86.83 585.20 Td (oup stockholders) Tj ET Q q 0 0 0 rg BT 154.68 585.20 Td ( equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 585.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 585.20 Td (196,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 585.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 585.21 Td (200,740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 571.21 Td (Less: Preferred stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 571.20 Td (18,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 571.21 Td (19,253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 557.20 Td (Common stockholders) Tj ET Q q 0 0 0 rg BT 130.91 557.20 Td ( equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 557.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 557.20 Td (177,760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 557.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 557.21 Td (181,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 543.21 Td (Less:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 529.21 Td ( Goodwill) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 529.20 Td (22,046) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 529.21 Td (22,256) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 515.21 Td ( Identifiable intangible assets \(other than MSRs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 515.20 Td (4,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 515.21 Td (4,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.00 501.21 Td ( Goodwill and identifiable intangible assets \(other than MSRs\) related to assets held-for) Tj ET Q q 0 0 0 rg BT 364.50 501.21 Td (-sale \(HFS\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 501.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 501.21 Td (32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 487.20 Td (T) Tj ET Q q 0 0 0 rg BT 47.59 487.20 Td (angible common equity \(TCE\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 487.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 487.20 Td (151,078) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 487.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 487.21 Td (154,61) Tj ET Q q 0 0 0 rg BT 541.00 487.21 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 473.20 Td (Common shar) Tj ET Q q 0 0 0 rg BT 96.67 473.20 Td (es outstanding \(CSO\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 473.20 Td (2,368.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 473.21 Td (2,569.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 459.20 Td (Book value per) Tj ET Q q 0 0 0 rg BT 99.92 459.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 119.01 459.20 Td (e \(common equity/CSO\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 459.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 459.20 Td (75.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 459.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 459.21 Td (70.62) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 445.20 Td (T) Tj ET Q q 0 0 0 rg BT 47.59 445.20 Td (angible book value per) Tj ET Q q 0 0 0 rg BT 134.36 445.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 153.45 445.20 Td (e \(TCE/CSO\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 445.20 Td (63.79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 445.21 Td (60.16) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 42.00 376.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.95 397.75 Td (Y) Tj ET Q q 0 0 0 rg BT 433.45 397.75 Td (ear) Tj ET Q q 0 0 0 rg BT 445.78 397.75 Td ( ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.05 386.95 Td ( December) Tj ET Q q 0 0 0 rg BT 464.36 386.95 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.50 376.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.30 397.76 Td (Y) Tj ET Q q 0 0 0 rg BT 503.90 397.76 Td (ear ended ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.25 386.96 Td (December 31, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.05 376.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 524.05 380.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 361.20 Td (Net income less pr) Tj ET Q q 0 0 0 rg BT 112.15 361.20 Td (eferr) Tj ET Q q 0 0 0 rg BT 130.96 361.20 Td (ed dividends) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 361.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 361.20 Td (16,872) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 361.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 361.21 Td (14,583) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 347.20 Td (A) Tj ET Q q 0 0 0 rg BT 48.17 347.20 Td (verage common stockholders) Tj ET Q q 0 0 0 rg BT 161.98 347.20 Td ( equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 347.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 347.20 Td (179,497) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 347.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 347.21 Td (207,747) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 333.20 Td (A) Tj ET Q q 0 0 0 rg BT 48.17 333.20 Td (verage ) Tj ET Q q 0 0 0 rg BT 75.48 333.20 Td (TCE) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 333.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 333.20 Td (153,343) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 333.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 333.21 Td (180,458) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 319.20 Td (Return on average common stockholders) Tj ET Q q 0 0 0 rg BT 201.81 319.20 Td ( equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 319.20 Td (9.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 319.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 319.21 Td (7.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 319.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.00 305.20 Td (Return on average ) Tj ET Q q 0 0 0 rg BT 115.57 305.20 Td (TCE \(ROTCE\)) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 174.33 309.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 305.20 Td (1) Tj ET Q q 0 0 0 rg BT 463.75 305.20 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 305.21 Td (8.1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 282.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 282.05 Td (Y) Tj ET Q q 0 0 0 rg BT 58.98 282.05 Td (ear ended December 31, 2017 excludes the one-time impact of ) Tj ET Q q 0 0 0 rg BT 261.20 282.05 Td (T) Tj ET Q q 0 0 0 rg BT 265.52 282.05 Td (ax Reform. For a reconciliation of these measures, see Significant ) Tj ET Q q 0 0 0 rg BT 481.45 282.05 Td (Accounting Policies and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 272.45 Td (Significant EstimatesIncome ) Tj ET Q q 0 0 0 rg BT 156.05 272.45 Td (T) Tj ET Q q 0 0 0 rg BT 160.38 272.45 Td (axes below) Tj ET Q q 0 0 0 rg BT 199.18 272.45 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 262.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 262.85 Td (ROTCE represents net income available to common shareholders as a percentage of average ) Tj ET Q q 0 0 0 rg BT 351.73 262.85 Td (TCE.) Tj ET Q endstream endobj 97 0 obj <> endobj 98 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (48) 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 216.61 651.90 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 (STRA) Tj ET Q q 0 0 0 rg BT 61.93 603.90 Td (TEGIC 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 ) Tj ET Q q 0 0 0 rg BT 59.61 579.90 Td (Ability to Return Capital to Common Shareholders ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 567.90 Td (Consistent with Its Capital Planning Ef) Tj ET Q q 0 0 0 rg BT 198.37 567.90 Td (forts and T) Tj ET Q q 0 0 0 rg BT 243.02 567.90 Td (argets ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 555.90 Td (Substantially Depends on the CCAR Process and the Results ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 543.90 Td (of Regulatory Stress T) Tj ET Q q 0 0 0 rg BT 127.03 543.90 Td (ests.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 531.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 531.90 Td (s ability to return capital to its common shareholders ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 519.90 Td (consistent with its capital planning ef) Tj ET Q q 0 0 0 rg BT 184.96 519.90 Td (forts and tar) Tj ET Q q 0 0 0 rg BT 233.09 519.90 Td (gets, whether ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 507.90 Td (through its common stock dividend or through a share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 495.90 Td (repurchase program, substantially depends, among other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 483.90 Td (things, on regulatory approval, including through the CCAR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 471.90 Td (process required by the Federal Reserve Board \(FRB\) and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.90 Td (supervisory stress tests required under the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 256.79 459.90 Td (Act. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 447.90 Td (The ability to return capital also depends on Citi) Tj ET Q q 0 0 0 rg BT 232.06 447.90 Td (s results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 435.90 Td (operations and ef) Tj ET Q q 0 0 0 rg BT 104.68 435.90 Td (fectiveness in managing its level of risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 423.90 Td (weighted assets and GSIB surchar) Tj ET Q q 0 0 0 rg BT 172.46 423.90 Td (ge. Citi) Tj ET Q q 0 0 0 rg BT 204.68 423.90 Td (s ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 411.90 Td (accurately predict, interpret or explain to stakeholders the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 399.90 Td (outcome of the CCAR process, and thus to address any market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.90 Td (or investor perceptions, may be limited as the FRB) Tj ET Q q 0 0 0 rg BT 242.35 387.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 375.90 Td (assessment of Citi) Tj ET Q q 0 0 0 rg BT 111.55 375.90 Td (s capital adequacy is conducted using the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 363.90 Td (FRB) Tj ET Q q 0 0 0 rg BT 57.68 363.90 Td (s proprietary stress test models, as well as a number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 351.90 Td (qualitative factors, including a detailed assessment of Citi) Tj ET Q q 0 0 0 rg BT 269.83 351.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 339.90 Td (capital adequacy process, as defined by the FRB. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 327.90 Td (additional information on Citi) Tj ET Q q 0 0 0 rg BT 158.49 327.90 Td (s return of capital to common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 315.90 Td (shareholders in 2018 as well as the CCAR process, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 303.90 Td (supervisory stress test requirements and GSIB surchar) Tj ET Q q 0 0 0 rg BT 252.44 303.90 Td (ge, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 291.90 Td (Capital ResourcesOverview and Capital Resources) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 279.90 Td (Current Regulatory Capital StandardsStress ) Tj ET Q q 0 0 0 rg BT 223.01 279.90 Td (T) Tj ET Q q 0 0 0 rg BT 228.42 279.90 Td (esting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 267.90 Td (Component of Capital Planning above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 255.90 Td (The FRB has stated that it expects leading capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 243.90 Td (adequacy practices will continue to evolve and will likely be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 231.90 Td (determined by the FRB each year as a result of its cross-firm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 219.90 Td (review of capital plan submissions. Similarly) Tj ET Q q 0 0 0 rg BT 215.88 219.90 Td (, the FRB has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 207.90 Td (indicated that, as part of its stated goal to continually evolve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 195.90 Td (its annual stress testing requirements, several parameters of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 183.90 Td (the annual stress testing process may continue to be altered, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 171.90 Td (including the severity of the stress test scenario, the FRB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 159.90 Td (modeling of Citi) Tj ET Q q 0 0 0 rg BT 104.89 159.90 Td (s balance sheet and the addition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 147.90 Td (components deemed important by the FRB. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 135.90 Td (Additionally) Tj ET Q q 0 0 0 rg BT 106.90 135.90 Td (, in ) Tj ET Q q 0 0 0 rg BT 121.63 135.90 Td (April 2018, the FRB proposed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 123.90 Td (integration of the annual stress testing requirements with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 111.90 Td (ongoing regulatory capital requirements. Proposed changes to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 99.90 Td (the stress testing regime include, among others, introduction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 87.90 Td (of a firm-specific stress capital buf) Tj ET Q q 0 0 0 rg BT 179.37 87.90 Td (fer \(SCB\), which would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 75.90 Td (be equal to the maximum decline in a firm) Tj ET Q q 0 0 0 rg BT 208.72 75.90 Td (s Common Equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 63.90 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 63.90 Td (ier 1 Capital ratio under a severely adverse scenario over a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 51.90 Td (nine-quarter CCAR measurement period, subject to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (minimum requirement of 2.5%. ) Tj ET Q q 0 0 0 rg BT 452.68 749.10 Td (The FRB proposed that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (SCB would replace the capital conservation buf) Tj ET Q q 0 0 0 rg BT 514.87 737.10 Td (fer in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (firm) Tj ET Q q 0 0 0 rg BT 344.00 725.10 Td (s ongoing regulatory capital requirements for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Standardized ) Tj ET Q q 0 0 0 rg BT 378.15 713.10 Td (Approach capital ratios. ) Tj ET Q q 0 0 0 rg BT 476.27 713.10 Td (The SCB would be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (calculated by the FRB using its proprietary data and modeling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (of each firm) Tj ET Q q 0 0 0 rg BT 375.64 689.10 Td (s results. ) Tj ET Q q 0 0 0 rg BT 412.59 689.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 461.92 689.10 Td (, a firm) Tj ET Q q 0 0 0 rg BT 493.86 689.10 Td (s SCB would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (change annually based on the supervisory stress test results, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (thus potentially resulting in year) Tj ET Q q 0 0 0 rg BT 453.22 665.10 Td (-to-year volatility in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (calculation of the SCB. For additional information on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (FRB) Tj ET Q q 0 0 0 rg BT 345.68 641.10 Td (s proposal, including calculation of the SCB, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (Capital ResourcesRegulatory Capital Standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (Developments above. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 605.10 Td (Although various uncertainties exist regarding the extent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (of, and the ultimate impact to Citi from, these changes to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (FRB) Tj ET Q q 0 0 0 rg BT 345.68 581.10 Td (s stress testing and CCAR regimes, these changes would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (likely increase the level of capital Citi is required or elects to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (hold, including as part of Citi) Tj ET Q q 0 0 0 rg BT 444.54 557.10 Td (s estimated management buf) Tj ET Q q 0 0 0 rg BT 558.49 557.10 Td (fer) Tj ET Q q 0 0 0 rg BT 569.19 557.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (thus potentially impacting the extent to which Citi is able to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (return capital to shareholders.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (Citi, Its Management and Its Businesses Must Continually ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (Review) Tj ET Q q 0 0 0 rg BT 353.06 497.10 Td (, ) Tj ET Q q 0 0 0 rg BT 357.69 497.10 Td (Analyze and Successfully ) Tj ET Q q 0 0 0 rg BT 464.27 497.10 Td (Adapt to Ongoing ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (Regulatory and Other Uncertainties and Changes in the U.S. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (and Globally) Tj ET Q q 0 0 0 rg BT 376.69 473.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 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 324.00 449.10 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 324.00 437.10 Td (Citi, its management and its businesses continually face ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (ongoing regulatory uncertainties and changes, both in the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (and globally) Tj ET Q q 0 0 0 rg BT 373.06 413.10 Td (. ) Tj ET Q q 0 0 0 rg BT 377.88 413.10 Td (While the areas of ongoing regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (uncertainties and changes facing Citi are too numerous to list ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (completely) Tj ET Q q 0 0 0 rg BT 367.78 389.10 Td (, various examples include, but are not limited to \(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (uncertainties and potential fiscal, monetary and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (changes arising from the U.S. Presidential administration and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (Congress; \(ii\) potential changes to various aspects of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (regulatory capital framework applicable to Citi \(see the CCAR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (risk factor and Capital ResourcesRegulatory Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (Standards Developments above\); and \(iii\) the terms of and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (other uncertainties resulting from the U.K.) Tj ET Q q 0 0 0 rg BT 497.01 305.10 Td (s potential exit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (from the European Union \(EU\) \(see the macroeconomic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (challenges and uncertainties risk factor below\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 269.10 Td (Ongoing regulatory uncertainties and changes make ) 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 and its management) Tj ET Q q 0 0 0 rg BT 430.93 257.10 Td (s long-term business, balance sheet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (and budget planning dif) Tj ET Q q 0 0 0 rg BT 419.08 245.10 Td (ficult or subject to change. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (example, the U.S. Presidential administration has implemented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (and continues to discuss various changes to certain regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (requirements, which would require ongoing assessment by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (management as to the impact to Citi, its businesses and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (business planning. Business planning is required to be based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (on possible or proposed rules or outcomes, which can change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (dramatically upon finalization, or upon implementation or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (interpretive guidance from numerous regulatory bodies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (worldwide, and such guidance can change. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 125.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 384.03 125.10 Td (, U.S. and international regulatory initiatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (have not always been undertaken or implemented on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (coordinated basis, and areas of diver) Tj ET Q q 0 0 0 rg BT 469.87 101.10 Td (gence have developed and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (continue to develop with respect to the scope, interpretation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (timing, structure or approach, leading to inconsistent or even ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (conflicting regulations, including within a single jurisdiction. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (For example, in 2016, the European Commission proposed to ) 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 33.60 Td (49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (introduce a new requirement for major banking groups ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (headquartered outside the EU \(which would include Citi\) to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (establish an intermediate EU holding company where the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (foreign bank has two or more institutions \(broadly meaning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (banks, broker) Tj ET Q q 0 0 0 rg BT 90.23 701.10 Td (-dealers and similar financial firms\) established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (in the EU. ) Tj ET Q q 0 0 0 rg BT 79.14 689.10 Td (While the proposal mirrors an existing U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (requirement for non-U.S. banking or) Tj ET Q q 0 0 0 rg BT 182.45 677.10 Td (ganizations to form U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (intermediate holding companies, if adopted, it could lead to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (additional complexity with respect to Citi) Tj ET Q q 0 0 0 rg BT 205.14 653.10 Td (s resolution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (planning, capital and liquidity allocation and ef) Tj ET Q q 0 0 0 rg BT 224.93 641.10 Td (ficiency in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (various jurisdictions. Regulatory changes have also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (significantly increased Citi) Tj ET Q q 0 0 0 rg BT 146.53 617.10 Td (s compliance risks and costs \(see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (the implementation and interpretation of regulatory changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (risk factor below\). ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.59 569.10 Td (s ) Tj ET Q q 0 0 0 rg BT 59.61 569.10 Td (Ability to Utilize Its DT) Tj ET Q q 0 0 0 rg BT 154.62 569.10 Td (As, and Thus Reduce the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (Negative Impact of the DT) Tj ET Q q 0 0 0 rg BT 144.87 557.10 Td (As on Citi) Tj ET Q q 0 0 0 rg BT 188.58 557.10 Td (s Regulatory Capital, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (W) Tj ET Q q 0 0 0 rg BT 44.52 545.10 Td (ill Be Driven by Its ) Tj ET Q q 0 0 0 rg BT 124.42 545.10 Td (Ability to Generate U.S. T) Tj ET Q q 0 0 0 rg BT 230.17 545.10 Td (axable ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (Income and by the Provisions of and Guidance Issued in ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (Connection with T) Tj ET Q q 0 0 0 rg BT 111.77 521.10 Td (ax Reform.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (At December 31, 2018, Citi) Tj ET Q q 0 0 0 rg BT 149.87 509.10 Td (s net DT) Tj ET Q q 0 0 0 rg BT 183.50 509.10 Td (As were $22.9 billion, net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (of a valuation allowance of $9.3 billion, of which $1) Tj ET Q q 0 0 0 rg BT 245.85 497.10 Td (1.0 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (was excluded from Citi) Tj ET Q q 0 0 0 rg BT 132.37 485.10 Td (s Common Equity ) Tj ET Q q 0 0 0 rg BT 207.47 485.10 Td (T) Tj ET Q q 0 0 0 rg BT 213.23 485.10 Td (ier 1 Capital under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (the U.S. Basel III rules \(for additional information, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (Capital ResourcesComponents of Citigroup Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (above\). Of the net DT) Tj ET Q q 0 0 0 rg BT 123.22 449.10 Td (As at December 31, 2018, $6.8 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (related to foreign tax credit carry-forwards \(FTCs\), net of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (valuation allowance. ) Tj ET Q q 0 0 0 rg BT 121.06 425.10 Td (The carry-forward utilization period for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (FTCs is 10 years and represents the most time-sensitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (component of Citi) Tj ET Q q 0 0 0 rg BT 111.55 401.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 130.47 401.10 Td (As. ) Tj ET Q q 0 0 0 rg BT 146.40 401.10 Td (The FTC carry-forwards at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (December 31, 2018 expire over the period of 2019-2028. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (must utilize any FTCs generated in the then-current year tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (return prior to utilizing any carry-forward FTCs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 353.10 Td (The accounting treatment for realization of DT) Tj ET Q q 0 0 0 rg BT 243.89 353.10 Td (As, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (including FTCs, is complex and requires significant judgment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (and estimates regarding future taxable earnings in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (jurisdictions in which the DT) Tj ET Q q 0 0 0 rg BT 152.41 317.10 Td (As arise and available tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (planning strategies. Citi) Tj ET Q q 0 0 0 rg BT 134.04 305.10 Td (s ability to utilize its DT) Tj ET Q q 0 0 0 rg BT 230.73 305.10 Td (As, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (the FTC components, will be dependent upon Citi) Tj ET Q q 0 0 0 rg BT 238.75 293.10 Td (s ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (generate U.S. taxable income in the relevant tax carry-forward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (periods. Failure to realize any portion of the net DT) Tj ET Q q 0 0 0 rg BT 241.80 269.10 Td (As would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (also have a corresponding negative impact on Citi) Tj ET Q q 0 0 0 rg BT 239.00 257.10 Td (s net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (income and financial returns. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 233.10 Td (The U.S. Department of the ) Tj ET Q q 0 0 0 rg BT 170.40 233.10 Td (T) Tj ET Q q 0 0 0 rg BT 176.16 233.10 Td (reasury \(U.S. ) Tj ET Q q 0 0 0 rg BT 231.52 233.10 Td (T) Tj ET Q q 0 0 0 rg BT 237.27 233.10 Td (reasury\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (issued proposed regulations in November 2018 regarding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (required allocation of existing FTC carry-forwards to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (appropriate FTC baskets as redefined by ) Tj ET Q q 0 0 0 rg BT 200.21 197.10 Td (T) Tj ET Q q 0 0 0 rg BT 205.62 197.10 Td (ax Reform and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (allocation of the overall domestic loss \(ODL\) to these FTC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (baskets. ) Tj ET Q q 0 0 0 rg BT 69.89 173.10 Td (An ODL) Tj ET Q q 0 0 0 rg BT 104.79 173.10 Td ( allows a company to recharacterize domestic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (income as income from sources outside the U.S., which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (enables a taxpayer to use FTC carry-forwards and FTCs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (generated in future years, assuming the generation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (suf) Tj ET Q q 0 0 0 rg BT 48.04 125.10 Td (ficient U.S. taxed income. If the final regulations issued by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (the U.S. ) Tj ET Q q 0 0 0 rg BT 70.82 113.10 Td (T) Tj ET Q q 0 0 0 rg BT 76.58 113.10 Td (reasury dif) Tj ET Q q 0 0 0 rg BT 119.43 113.10 Td (fer from the proposed regulations, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (valuation allowance against Citi) Tj ET Q q 0 0 0 rg BT 167.35 101.10 Td (s FTC carry-forwards would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (increase or decrease, depending upon the content of the final ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (regulations. Citi) Tj ET Q q 0 0 0 rg BT 103.22 77.10 Td (s net income would change by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (corresponding amount. However) Tj ET Q q 0 0 0 rg BT 166.95 65.10 Td (, a change in recognized FTC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (carry-forwards would not impact Citi) Tj ET Q q 0 0 0 rg BT 476.18 749.10 Td (s regulatory capital, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (given that such amounts are already fully disallowed. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 725.10 Td (Citi does not expect to be subject to the Base Erosion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Anti-Abuse ) Tj ET Q q 0 0 0 rg BT 372.98 713.10 Td (T) Tj ET Q q 0 0 0 rg BT 378.39 713.10 Td (ax \(BEA) Tj ET Q q 0 0 0 rg BT 412.55 713.10 Td (T\) added by ) Tj ET Q q 0 0 0 rg BT 463.18 713.10 Td (T) Tj ET Q q 0 0 0 rg BT 468.59 713.10 Td (ax Reform. However) Tj ET Q q 0 0 0 rg BT 552.33 713.10 Td (, any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (final BEA) Tj ET Q q 0 0 0 rg BT 363.72 701.10 Td (T) Tj ET Q q 0 0 0 rg BT 369.64 701.10 Td ( regulations could af) Tj ET Q q 0 0 0 rg BT 451.38 701.10 Td (fect Citi) Tj ET Q q 0 0 0 rg BT 486.65 701.10 Td (s decisions as to how ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (to structure its non-U.S. operations, possibly in a less cost-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 677.10 Td (ficient manner) Tj ET Q q 0 0 0 rg BT 389.06 677.10 Td (. Further) Tj ET Q q 0 0 0 rg BT 423.10 677.10 Td (, if BEA) Tj ET Q q 0 0 0 rg BT 455.60 677.10 Td (T) Tj ET Q q 0 0 0 rg BT 461.53 677.10 Td ( were to be applicable to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Citi in any given year) Tj ET Q q 0 0 0 rg BT 410.25 665.10 Td (, it could have a significantly adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 653.10 Td (fect on both Citi) Tj ET Q q 0 0 0 rg BT 399.63 653.10 Td (s net income and regulatory capital. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 641.10 Td (For additional information on the impact of ) Tj ET Q q 0 0 0 rg BT 521.17 641.10 Td (T) Tj ET Q q 0 0 0 rg BT 526.58 641.10 Td (ax Reform ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (and on Citi) Tj ET Q q 0 0 0 rg BT 371.22 629.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 390.14 629.10 Td (As, including the FTCs, see Significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (Accounting Policies and Significant EstimatesIncome ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.41 605.10 Td (axes below and Notes 1 and 9 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.59 569.10 Td (s Interpretation or ) Tj ET Q q 0 0 0 rg BT 419.29 569.10 Td (Application of the Complex T) Tj ET Q q 0 0 0 rg BT 540.04 569.10 Td (ax Laws ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (to ) Tj ET Q q 0 0 0 rg BT 334.10 557.10 Td (Which It Is Subject Could Dif) Tj ET Q q 0 0 0 rg BT 457.00 557.10 Td (fer from Those of the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (Relevant Governmental ) Tj ET Q q 0 0 0 rg BT 423.62 545.10 Td (Authorities, ) Tj ET Q q 0 0 0 rg BT 474.57 545.10 Td (Which Could Result in ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (the Payment of ) Tj ET Q q 0 0 0 rg BT 388.34 533.10 Td (Additional T) Tj ET Q q 0 0 0 rg BT 439.38 533.10 Td (axes, Penalties or Interest.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 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 324.00 509.10 Td (and municipalities, as well as the numerous non-U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (jurisdictions in which it operates. ) Tj ET Q q 0 0 0 rg BT 459.35 497.10 Td (These tax laws are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (inherently complex and Citi must make judgments and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (interpretations about the application of these laws, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.41 461.10 Td (ax Reform as mentioned above, to its entities, operations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (businesses. Citi) Tj ET Q q 0 0 0 rg BT 389.00 449.10 Td (s interpretations and application of the tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (laws, including with respect to ) Tj ET Q q 0 0 0 rg BT 448.79 437.10 Td (T) Tj ET Q q 0 0 0 rg BT 454.21 437.10 Td (ax Reform, withholding tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (obligations and stamp and other transactional taxes, could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (dif) Tj ET Q q 0 0 0 rg BT 334.93 413.10 Td (fer from that of the relevant governmental taxing authority) Tj ET Q q 0 0 0 rg BT 568.64 413.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (which could result in the payment of additional taxes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (penalties or interest, which could be material.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.59 365.10 Td (s Continued Investments and Ef) Tj ET Q q 0 0 0 rg BT 473.66 365.10 Td (ficiency Initiatives May ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (Not Be as Successful as It Projects or Expects. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (Citi continues to leverage its scale and make incremental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (investments to deepen client relationships, increase revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (and lower expenses. For example, Citi continues to make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (investments to enhance its digital capabilities across the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (franchise, including digital platforms and mobile and cloud ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (architecture. Citi also has been investing in higher return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (businesses, such as the U.S. cards and wealth management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (businesses in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 379.00 257.10 Td (Global Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.22 257.10 Td ( \() Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 492.05 257.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.05 257.10 Td (\) as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (equities and other businesses in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 452.59 245.10 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 545.56 245.10 Td (oup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (\() Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 327.33 233.10 Td (ICG\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.88 233.10 Td (. Citi also continues to execute on its investment of more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (than $1 billion in Citibanamex through 2020. Further) Tj ET Q q 0 0 0 rg BT 536.35 221.10 Td (, Citi has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (been pursuing ef) Tj ET Q q 0 0 0 rg BT 390.46 209.10 Td (ficiency savings through various technology ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (and digital initiatives, location strategy and or) Tj ET Q q 0 0 0 rg BT 507.38 197.10 Td (ganizational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (simplification, which are intended to self-fund Citi) Tj ET Q q 0 0 0 rg BT 529.79 185.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (incremental investment initiatives as well as of) Tj ET Q q 0 0 0 rg BT 511.54 173.10 Td (fset growth-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (related expenses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 149.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 362.78 149.10 Td (s investments and ef) Tj ET Q q 0 0 0 rg BT 443.97 149.10 Td (ficiency initiatives are being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (undertaken as part of its overall strategy to meet operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (and financial objectives and tar) Tj ET Q q 0 0 0 rg BT 448.77 125.10 Td (gets, including operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 113.10 Td (ficiency and revenue and earnings growth expectations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (There is no guarantee that these or other initiatives Citi may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (pursue will be as productive or ef) Tj ET Q q 0 0 0 rg BT 457.67 89.10 Td (fective as Citi expects, or at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (all. Citi) Tj ET Q q 0 0 0 rg BT 356.78 77.10 Td (s investment and ef) Tj ET Q q 0 0 0 rg BT 434.08 77.10 Td (ficiency initiatives may continue to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (evolve as its business strategies and the market environment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (change, which could make the initiatives more costly and ) 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 33.60 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (more challenging to implement, and limit their ef) Tj ET Q q 0 0 0 rg BT 232.99 749.10 Td (fectiveness. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 75.03 737.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 97.81 737.10 Td (s ability to achieve expected returns on its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (investments and costs savings depends, in part, on factors that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (it cannot control, such as macroeconomic conditions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (customer) Tj ET Q q 0 0 0 rg BT 72.25 701.10 Td (, client and competitor actions and ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (regulatory changes, among others. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (A) Tj ET Q q 0 0 0 rg BT 42.12 665.10 Td ( Deterioration in or Failure to Maintain Citi) Tj ET Q q 0 0 0 rg BT 227.25 665.10 Td (s Co-) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (Branding or Private Label Credit Card Relationships, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (Including as a Result of any Bankruptcy or Liquidation, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (Could Have a Negative Impact on Citi) Tj ET Q q 0 0 0 rg BT 195.80 629.10 Td (s Results of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (Operations or Financial Condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (Citi has co-branding and private label relationships through its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (Citi-branded cards and Citi retail services credit card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (businesses with various retailers and merchants globally in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (ordinary course of business whereby Citi issues credit cards to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (customers of the retailers or merchants. Citi) Tj ET Q q 0 0 0 rg BT 214.00 557.10 Td (s co-branding and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (private label agreements provide for shared economics ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (between the parties and generally have a fixed term. ) Tj ET Q q 0 0 0 rg BT 246.83 533.10 Td (The five ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (lar) Tj ET Q q 0 0 0 rg BT 46.37 521.10 Td (gest relationships, including Sears, constituted an aggregate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (of approximately 1) Tj ET Q q 0 0 0 rg BT 111.72 509.10 Td (1% of Citi) Tj ET Q q 0 0 0 rg BT 156.16 509.10 Td (s revenues in 2018. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 497.10 Td (These relationships could be negatively impacted by) Tj ET Q q 0 0 0 rg BT 266.29 497.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (among other things, external factors outside the control of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (either party to the relationship, such as the general economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (environment, declining sales and revenues or other operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 449.10 Td (ficulties of the retailer or merchant, termination due to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (contractual breach by Citi or by the retailer or merchant, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (other factors, including bankruptcies, liquidations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (restructurings, consolidations or other similar events. Over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (last several years, a number of U.S. retailers have continued to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (experience declining sales, which has resulted in significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (numbers of store closures and, in a number of cases, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (bankruptcies, as retailers attempt to cut costs and reor) Tj ET Q q 0 0 0 rg BT 250.47 365.10 Td (ganize. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (For example, as previously disclosed, Sears filed for Chapter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (1) Tj ET Q q 0 0 0 rg BT 40.63 341.10 Td (1 bankruptcy protection in October 2018. On February 1) Tj ET Q q 0 0 0 rg BT 266.59 341.10 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (2019, after bankruptcy court approval, ESL) Tj ET Q q 0 0 0 rg BT 209.74 329.10 Td ( Investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (purchased substantially all of Sears) Tj ET Q q 0 0 0 rg BT 179.66 317.10 Td ( assets on a going concern ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (basis, including its credit card program agreement with Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (\(for further information, including certain potential impacts to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (Citi retail services, see ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 133.46 281.10 Td (Global Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.68 281.10 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 250.68 281.10 Td (North ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.38 269.10 Td ( above\). In addition, as has been widely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (reported, competition among card issuers, including Citi, for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (these relationships is significant, and it has become ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (increasingly dif) Tj ET Q q 0 0 0 rg BT 98.30 233.10 Td (ficult in recent years to maintain such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (relationships on the same terms or at all. ) Tj ET Q q 0 0 0 rg BT 199.95 221.10 Td (While various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 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 36.00 197.10 Td (events were to occur) Tj ET Q q 0 0 0 rg BT 118.26 197.10 Td (-such as by replacing the retailer or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (merchant or of) Tj ET Q q 0 0 0 rg BT 94.68 185.10 Td (fering other card productssuch events, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (particularly bankruptcies or liquidations, could negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (impact the results of operations or financial condition of Citi-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (branded cards, Citi retail services or Citi as a whole, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (as a result of loss of revenues, increased expenses, higher cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (of credit, impairment of purchased credit card relationships ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (and contract-related intangibles or other losses \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (information on Citi) Tj ET Q q 0 0 0 rg BT 116.00 101.10 Td (s credit card related intangibles generally) Tj ET Q q 0 0 0 rg BT 279.99 101.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (see Note 16 to the Consolidated Financial Statements\). ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Macroeconomic and Geopolitical Challenges and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Uncertainties Globally Could Have a Negative Impact on ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.59 725.25 Td (s Businesses and Results of Operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 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 324.00 701.25 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 324.00 689.25 Td (a result of macroeconomic and geopolitical challenges, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (uncertainties and volatility) Tj ET Q q 0 0 0 rg BT 429.99 677.25 Td (. For example, changes in U.S. trade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (policies, which have resulted in retaliatory measures from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (other countries, could result in a reduction or realignment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (trade flows among countries and negatively impact businesses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (sectors and economic growth rates. ) Tj ET Q q 0 0 0 rg BT 466.73 629.25 Td (Additional areas of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (uncertainty include, among others, geopolitical tensions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (conflicts, natural disasters, election outcomes and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (macroeconomic developments, such as those involving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (economic growth rates, consumer confidence and spending, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (employment rates and commodity prices.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 557.25 Td (Governmental fiscal and monetary actions, or expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (actions, such as changes in interest rate policies and any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (balance sheet normalization program implemented by a central ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (bank to reduce the size of its balance sheet could significantly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (impact interest rates, economic growth rates, the volatility of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (global financial markets, foreign exchange rates and capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (flows among countries. For example, in 2017, the FRB began ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (implementing a balance sheet normalization program to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (reduce the size of the central bank) Tj ET Q q 0 0 0 rg BT 463.38 461.25 Td (s balance sheet, although ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (there are various uncertainties regarding the ultimate size of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (the balance sheet and its composition. Such actions could, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (among other things, result in higher interest rates. ) Tj ET Q q 0 0 0 rg BT 524.51 425.25 Td (Although ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (Citi estimates its overall net interest revenue would generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (increase due to higher interest rates, higher rates could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (adversely af) Tj ET Q q 0 0 0 rg BT 372.40 389.25 Td (fect Citi) Tj ET Q q 0 0 0 rg BT 407.67 389.25 Td (s funding costs, levels of deposits in its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (consumer and institutional businesses and certain business or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (product revenues. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 353.25 Td (As a result of the U.K.) Tj ET Q q 0 0 0 rg BT 438.04 353.25 Td (s 2016 referendum on exiting the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (EU, numerous uncertainties have arisen regarding the U.K.) Tj ET Q q 0 0 0 rg BT 563.37 341.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (potential exit from and future relationship with the EU. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (example, the terms of a withdrawal continue to be negotiated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (within the U.K. and between the U.K. and the EU, and it is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (unclear whether the parties will be able to agree on terms prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (to the currently scheduled exit on March 29, 2019. If no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 Td (agreement is reached on terms of an exit, it could result in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (what is commonly referred to as a clif) Tj ET Q q 0 0 0 rg BT 480.15 257.25 Td (f-edge or hard exit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.25 Td (scenario. ) Tj ET Q q 0 0 0 rg BT 361.76 245.25 Td (A) Tj ET Q q 0 0 0 rg BT 368.43 245.25 Td ( hard exit scenario would result in the U.K. and EU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.25 Td (losing reciprocal financial services license-passporting rights ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.25 Td (and require the U.K. to deal with the EU as a third country ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.25 Td (regime, but without an equivalence regime or transition period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.25 Td (in place. ) Tj ET Q q 0 0 0 rg BT 359.82 197.25 Td (A) Tj ET Q q 0 0 0 rg BT 366.49 197.25 Td ( hard exit scenario could cause severe disruptions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.25 Td (the movement of goods and services between the U.K. and EU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.25 Td (countries and negatively impact financial markets and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.25 Td (U.K. and EU economies. Citi) Tj ET Q q 0 0 0 rg BT 444.26 161.25 Td (s business and operations could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.25 Td (be impacted by these and other factors, including the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.25 Td (preparedness and reaction of clients, counterparties and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.25 Td (financial markets infrastructure. For information about Citi) Tj ET Q q 0 0 0 rg BT 563.10 125.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.25 Td (actions to manage the U.K.) Tj ET Q q 0 0 0 rg BT 435.64 113.25 Td (s potential exit from the EU, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.25 Td (Managing Global RiskStrategic RiskPotential Exit of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.25 Td (U.K. from EU below) Tj ET Q q 0 0 0 rg BT 411.94 89.25 Td (. Further) Tj ET Q q 0 0 0 rg BT 445.98 89.25 Td (, the economic and fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.25 Td (situations of some EU countries have remained fragile, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.25 Td (concerns and uncertainties remain in Europe over the resulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.25 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 53.25 Td (fects of the U.K.) Tj ET Q q 0 0 0 rg BT 400.73 53.25 Td (s potential exit from the EU. ) 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 33.60 Td (51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 749.10 Td (These and other global macroeconomic and geopolitical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (challenges, uncertainties and volatilities have negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (impacted, and could continue to negatively impact, Citi) Tj ET Q q 0 0 0 rg BT 260.66 725.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (businesses, results of operations and financial condition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (including its credit costs, revenues in its ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 198.75 701.10 Td (Markets and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (securities services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.53 689.10 Td (and other businesses, and ) Tj ET Q q 0 0 0 rg BT 215.13 689.10 Td (AOCI \(which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (would in turn negatively impact Citi) Tj ET Q q 0 0 0 rg BT 184.03 677.10 Td (s book and tangible book ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (value\). ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.59 641.10 Td (s Presence in the Emerging Markets Subjects It to ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (V) Tj ET Q q 0 0 0 rg BT 41.56 629.10 Td (arious Risks as well as Increased Compliance and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (Regulatory Risks and Costs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (During 2018, emer) Tj ET Q q 0 0 0 rg BT 111.63 605.10 Td (ging markets revenues accounted for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (approximately 37% of Citi) Tj ET Q q 0 0 0 rg BT 145.70 593.10 Td (s total revenues \(Citi generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (defines emer) Tj ET Q q 0 0 0 rg BT 87.18 581.10 Td (ging markets as countries in Latin ) Tj ET Q q 0 0 0 rg BT 224.93 581.10 Td (America, ) Tj ET Q q 0 0 0 rg BT 263.80 581.10 Td (Asia ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (\(other than Japan, ) Tj ET Q q 0 0 0 rg BT 109.31 569.10 Td (Australia and New Zealand\), Central and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (Eastern Europe, the Middle East and ) Tj ET Q q 0 0 0 rg BT 184.57 557.10 Td (Africa\). ) Tj ET Q q 0 0 0 rg BT 217.88 557.10 Td (Although Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (continues to pursue its tar) Tj ET Q q 0 0 0 rg BT 138.58 545.10 Td (get client strategy) Tj ET Q q 0 0 0 rg BT 209.01 545.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 231.80 545.10 Td (s presence in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (the emer) Tj ET Q q 0 0 0 rg BT 70.52 533.10 Td (ging markets subjects it to a number of risks, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (including sovereign volatility) Tj ET Q q 0 0 0 rg BT 153.11 521.10 Td (, election outcomes, regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (changes and political events, foreign exchange controls, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (limitations on foreign investment, sociopolitical instability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (\(including from hyperinflation\), fraud, nationalization or loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (of licenses, business restrictions, sanctions or asset freezes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (potential criminal char) Tj ET Q q 0 0 0 rg BT 126.34 461.10 Td (ges, closure of branches or subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (and confiscation of assets. For example, Citi operates in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (several countries that have, or have had in the past, strict ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (foreign exchange controls, such as ) Tj ET Q q 0 0 0 rg BT 175.96 425.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 186.33 425.10 Td (gentina, that limit its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (ability to convert local currency into U.S. dollars and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (transfer funds outside of the country) Tj ET Q q 0 0 0 rg BT 180.59 401.10 Td (. In prior years, Citi has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (also discovered fraud in certain emer) Tj ET Q q 0 0 0 rg BT 183.81 389.10 Td (ging markets in which it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (operates. Political turmoil and instability have occurred in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (certain regions and countries, including ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 196.51 365.10 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.29 365.10 Td (, the Middle East ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.94 353.10 Td (Latin ) Tj ET Q q 0 0 0 rg BT 76.38 353.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.25 353.10 Td (, which have required management time and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (attention in prior years \(such as monitoring the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (sanctions on certain emer) Tj ET Q q 0 0 0 rg BT 137.72 329.10 Td (ging market economies as well as on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 317.10 Td (s businesses and results of operations in af) Tj ET Q q 0 0 0 rg BT 223.29 317.10 Td (fected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (countries\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 293.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 74.78 293.10 Td (s emer) Tj ET Q q 0 0 0 rg BT 100.98 293.10 Td (ging markets presence also increases its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (compliance and regulatory risks and costs. For example, Citi) Tj ET Q q 0 0 0 rg BT 281.50 281.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (operations in emer) Tj ET Q q 0 0 0 rg BT 110.24 269.10 Td (ging markets, including facilitating cross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 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 36.00 245.10 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 36.00 233.10 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 36.00 221.10 Td (money laundering regulations and the Foreign Corrupt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (Practices ) Tj ET Q q 0 0 0 rg BT 74.04 209.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 93.30 209.10 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 36.00 197.10 Td (markets and thus require substantial investment in compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (infrastructure or could result in a reduction in certain of Citi) Tj ET Q q 0 0 0 rg BT 278.70 185.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (business activities. ) Tj ET Q q 0 0 0 rg BT 112.94 173.10 Td (Any failure by Citi to comply with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 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 36.00 149.10 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 36.00 137.10 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 36.00 125.10 Td (other similar restrictions, any of which could negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (impact Citi) Tj ET Q q 0 0 0 rg BT 83.50 113.10 Td (s results of operations and reputation \(see the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (implementation and interpretation of regulatory changes and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (legal and regulatory proceedings risk factors below\). ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.59 749.25 Td (s Inability in Its Resolution Plan Submissions to ) Tj ET Q q 0 0 0 rg BT 542.40 749.25 Td (Address ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Any Deficiencies Identified or Guidance Provided by the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (FRB and FDIC Could Subject Citi to More Stringent ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (Capital, Leverage or Liquidity Requirements, or Restrictions ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (on Its Growth, ) Tj ET Q q 0 0 0 rg BT 385.88 701.25 Td (Activities or Operations, and Could ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (Eventually Require Citi to Divest ) Tj ET Q q 0 0 0 rg BT 461.68 689.25 Td (Assets or Operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (T) Tj ET Q q 0 0 0 rg BT 329.76 677.25 Td (itle I of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 427.24 677.25 Td (Act requires Citi to prepare and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (submit a plan to the FRB and the FDIC for the orderly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (resolution of Citigroup \(the bank holding company\) and its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (significant legal entities, under the U.S. Bankruptcy Code in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (the event of future material financial distress or failure. ) Tj ET Q q 0 0 0 rg BT 546.69 629.25 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (previously announced, Citi) Tj ET Q q 0 0 0 rg BT 434.82 617.25 Td (s next resolution plan submission ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (is due July 1, 2019. On December 20, 2018, the FRB and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (FDIC issued final guidance for the 2019 and subsequent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (resolution plan submissions for the eight U.S. GSIBs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (including Citi. For additional information on Citi) Tj ET Q q 0 0 0 rg BT 523.16 569.25 Td (s resolution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (plan submissions, see Managing Global RiskLiquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (Risk below) Tj ET Q q 0 0 0 rg BT 373.07 545.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 533.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 372.31 533.25 Td (T) Tj ET Q q 0 0 0 rg BT 378.07 533.25 Td (itle I, if the FRB and the FDIC jointly determine ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (that Citi) Tj ET Q q 0 0 0 rg BT 359.28 521.25 Td (s resolution plan is not credible \(which, although ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (not defined, is generally believed to mean the regulators do ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (not believe the plan is feasible or would otherwise allow the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (regulators to resolve Citi in a way that protects systemically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (important functions without severe systemic disruption\), or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (would not facilitate an orderly resolution of Citi under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (U.S. Bankruptcy Code, and Citi fails to resubmit a resolution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (plan that remedies any identified deficiencies, Citi could be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (subjected to more stringent capital, leverage or liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (requirements, or restrictions on its growth, activities or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (operations. If within two years from the imposition of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (requirements or restrictions Citi has still not remediated any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (identified deficiencies, then Citi could eventually be required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (to divest certain assets or operations. ) Tj ET Q q 0 0 0 rg BT 473.13 365.25 Td (Any such restrictions or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (actions would negatively impact Citi) Tj ET Q q 0 0 0 rg BT 473.97 353.25 Td (s reputation, market and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (investor perception, operations and strategy) Tj ET Q q 0 0 0 rg BT 498.02 341.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.59 317.25 Td (s Performance and the Performance of Its Individual ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (Businesses Could Be Negatively Impacted if Citi Is Not ) Tj ET Q q 0 0 0 rg BT 552.79 305.25 Td (Able ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (to Ef) Tj ET Q q 0 0 0 rg BT 344.10 293.25 Td (fectively Compete for Highly Qualified Employees. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 281.25 Td (s performance and the performance of its individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 Td (businesses lar) Tj ET Q q 0 0 0 rg BT 379.09 269.25 Td (gely depends on the talents and ef) Tj ET Q q 0 0 0 rg BT 514.42 269.25 Td (forts of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (highly skilled employees. Specifically) Tj ET Q q 0 0 0 rg BT 476.09 257.25 Td (, Citi) Tj ET Q q 0 0 0 rg BT 498.88 257.25 Td (s continued ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.25 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 324.00 233.25 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 233.25 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 324.00 221.25 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 324.00 209.25 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 324.00 197.25 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 324.00 185.25 Td (employees, Citi) Tj ET Q q 0 0 0 rg BT 389.55 185.25 Td (s performance, including its competitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.25 Td (position, the successful execution of its overall strategy and its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.25 Td (results of operations could be negatively impacted. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 149.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 362.78 149.25 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 324.00 137.25 Td (numerous factors, some of which are outside of its control. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.25 Td (example, the banking industry generally is subject to more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.25 Td (comprehensive regulation of executive and employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.25 Td (compensation than other industries, including deferral and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.25 Td (clawback requirements for incentive compensation. Citi often ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.25 Td (competes in the market for talent with entities that are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.25 Td (subject to such comprehensive regulatory requirements on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.25 Td (structure of incentive compensation, including, among others, ) 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 33.60 Td (52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (technology companies. Other factors that could impact Citi) Tj ET Q q 0 0 0 rg BT 275.38 749.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (ability to attract and retain employees include its culture and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (the management and leadership of the Company as well as its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (individual businesses, presence in the particular market or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (region at issue and the professional opportunities it of) Tj ET Q q 0 0 0 rg BT 250.78 701.10 Td (fers.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (Financial Services Companies and Others as well as ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (Emerging T) Tj ET Q q 0 0 0 rg BT 84.81 665.10 Td (echnologies Pose Increasingly Competitive ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (Challenges to Citi. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (Citi operates in an increasingly competitive environment, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (which includes both financial and non-financial services firms, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (such as traditional banks, online banks, financial technology ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (companies and others. ) Tj ET Q q 0 0 0 rg BT 127.46 605.10 Td (These companies compete on the basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (of, among other factors, size, quality and type of products and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (services of) Tj ET Q q 0 0 0 rg BT 78.86 581.10 Td (fered, price, technology and reputation. Emer) Tj ET Q q 0 0 0 rg BT 260.27 581.10 Td (ging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (technologies have the potential to intensify competition and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (accelerate disruption in the financial services industry) Tj ET Q q 0 0 0 rg BT 250.82 557.10 Td (. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (competes with financial services companies in the U.S. and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (globally that continue to develop and introduce new products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (and services. In recent years, non-financial services firms, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (such as financial technology companies, have begun to of) Tj ET Q q 0 0 0 rg BT 266.58 509.10 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (services traditionally provided by financial institutions, such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (as Citi. ) Tj ET Q q 0 0 0 rg BT 66.65 485.10 Td (These firms attempt to use technology and mobile ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (platforms to enhance the ability of companies and individuals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (to borrow money) Tj ET Q q 0 0 0 rg BT 104.23 461.10 Td (, save and invest. ) Tj ET Q q 0 0 0 rg BT 175.14 461.10 Td (T) Tj ET Q q 0 0 0 rg BT 180.55 461.10 Td (o the extent Citi is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (able to compete ef) Tj ET Q q 0 0 0 rg BT 109.39 449.10 Td (fectively with these and other firms, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (could be placed at a competitive disadvantage, which could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (result in loss of customers and market share, and its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (businesses, results of operations and financial condition could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (suf) Tj ET Q q 0 0 0 rg BT 48.04 401.10 Td (fer) Tj ET Q q 0 0 0 rg BT 58.59 401.10 Td (. For additional information on Citi) Tj ET Q q 0 0 0 rg BT 202.46 401.10 Td (s competitors, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (the co-brand and private label cards risk factor above and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (Supervision, Regulation and OtherCompetition below) Tj ET Q q 0 0 0 rg BT 270.03 377.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (Uncertainties Regarding the Possible Discontinuance of the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (London Inter-Bank Of) Tj ET Q q 0 0 0 rg BT 129.73 341.10 Td (fered Rate \(LIBOR\) or ) Tj ET Q q 0 0 0 rg BT 225.45 341.10 Td (Any Other ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (Interest Rate Benchmark Could Have ) Tj ET Q q 0 0 0 rg BT 193.69 329.10 Td (Adverse Consequences ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (for Market Participants, Including Citi.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (In 2017, the U.K. Financial Conduct ) Tj ET Q q 0 0 0 rg BT 184.04 305.10 Td (Authority \(FCA\) noted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (that market conditions raised serious questions about the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (future sustainability of LIBOR benchmarks. ) Tj ET Q q 0 0 0 rg BT 214.67 281.10 Td (W) Tj ET Q q 0 0 0 rg BT 223.71 281.10 Td (ith the FCA) Tj ET Q q 0 0 0 rg BT 270.38 281.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (securing voluntary panel bank support to sustain LIBOR only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (until 2021, the future of LIBOR beyond 2021 remains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (uncertain. In addition, following guidance provided by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (Financial Stability Board \(FSB\), other regulators have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (suggested reforming or replacing other benchmark rates with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (alternative reference rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 197.10 Td (Given LIBOR) Tj ET Q q 0 0 0 rg BT 116.72 197.10 Td (s extensive use across financial markets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (the transition away from LIBOR presents various risks and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (challenges to financial markets and institutions, including Citi. ) Tj ET Q BT /F1 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 53.78 161.10 Td (s consumer and institutional businesses issue, trade, hold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (or otherwise use various products and securities that reference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (LIBOR, including, among others, mortgages and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (consumer loans, commercial loans, corporate loans, various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (types of debt, derivatives and other securities. If not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (suf) Tj ET Q q 0 0 0 rg BT 48.04 101.10 Td (ficiently planned for) Tj ET Q q 0 0 0 rg BT 129.28 101.10 Td (, the discontinuation of LIBOR or any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (other interest rate benchmark could result in increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (financial, operational, legal, reputational or compliance risks. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (For example, a significant challenge will be the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (LIBOR transition on contractual mechanics of floating rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (financial instruments and contracts that reference LIBOR and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (mature after 2021. Certain of these instruments and contracts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (do not provide for alternative reference rates. Even if the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (instruments and contracts transition to alternative reference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (rates, the new reference rates are likely to dif) Tj ET Q q 0 0 0 rg BT 504.00 701.10 Td (fer from the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (benchmark rates. ) Tj ET Q q 0 0 0 rg BT 394.62 689.10 Td (While there are a number of international ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (working groups focused on transition plans and fallback ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (contract language that seek to address market disruption and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (value transfer) Tj ET Q q 0 0 0 rg BT 378.29 653.10 Td (, replacement of LIBOR or any other benchmark ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (with a new benchmark rate could adversely impact the value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (of and return on existing instruments and contracts. Moreover) Tj ET Q q 0 0 0 rg BT 571.04 629.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (replacement of LIBOR or other benchmark rates could result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (in market dislocations and have other adverse consequences ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (for market participants, including the potential for increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (costs, including by requiring Citi to pay higher interest on its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (obligations, and litigation risks. 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (Credit risk arises from Citi) Tj ET Q q 0 0 0 rg BT 433.99 473.10 Td (s lending and other businesses in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (both ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 344.28 461.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.28 461.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 383.72 461.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.94 461.10 Td (. Citi has credit exposures to counterparties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (in the U.S. and various countries and jurisdictions globally) Tj ET Q q 0 0 0 rg BT 558.32 449.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (including end-of-period consumer loans of $331 billion and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (end-of-period corporate loans of $354 billion at year) Tj ET Q q 0 0 0 rg BT 534.00 425.10 Td (-end ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 348.45 413.10 Td (A) Tj ET Q q 0 0 0 rg BT 355.12 413.10 Td ( default by a borrower or counterparty) Tj ET Q q 0 0 0 rg BT 507.18 413.10 Td (, or a decline in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (the credit quality or value of any underlying collateral, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (exposes Citi to credit risk. ) Tj ET Q q 0 0 0 rg BT 431.03 389.10 Td (V) Tj ET Q q 0 0 0 rg BT 437.14 389.10 Td (arious macroeconomic, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (geopolitical and other factors, among other things, can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (increase Citi) Tj ET Q q 0 0 0 rg BT 377.04 365.10 Td (s credit risk and credit costs \(for additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (information, see co-branding and private label credit card and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (macroeconomic challenges and uncertainties risk factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (above\). ) Tj ET Q q 0 0 0 rg BT 356.03 329.10 Td (While Citi provides reserves for probable losses for its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (credit exposures, such reserves are subject to judgments and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (estimates that could be incorrect or dif) Tj ET Q q 0 0 0 rg BT 477.65 305.10 Td (fer from actual future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (events \(see incorrect assumptions or estimates risk factor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (below\). For additional information on Citi) Tj ET Q q 0 0 0 rg BT 495.65 281.10 Td (s credit and country ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (risk, see each respective business) Tj ET Q q 0 0 0 rg BT 459.60 269.10 Td ( results of operations above ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (and Managing Global RiskCredit Risk and Managing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (Global RiskStrategic RiskCountry Risk below and Note ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (14 to the Consolidated Financial Statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 221.10 Td (Concentrations of risk, particularly credit and market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (risks, can also increase Citi) Tj ET Q q 0 0 0 rg BT 435.91 209.10 Td (s risk of significant losses. ) Tj ET Q q 0 0 0 rg BT 543.69 209.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (year) Tj ET Q q 0 0 0 rg BT 341.01 197.10 Td (-end 2018, Citi) Tj ET Q q 0 0 0 rg BT 404.06 197.10 Td (s most significant concentration of credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (risk was with the U.S. government and its agencies, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (primarily results from trading assets and investments issued by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (the U.S. government and its agencies \(for additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (information, including concentrations of credit risk to other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (public sector entities, see Note 23 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (Financial Statements\). Citi also routinely executes a high ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (volume of securities, trading, derivative and foreign exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (transactions with non-U.S. sovereigns and with counterparties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (in the financial services industry) Tj ET Q q 0 0 0 rg BT 453.31 89.10 Td (, including banks, insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (companies, investment banks, governments, central banks and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (other financial institutions. ) Tj ET Q q 0 0 0 rg BT 433.43 65.10 Td (A) Tj ET Q q 0 0 0 rg BT 440.10 65.10 Td ( rapid deterioration of a lar) Tj ET Q q 0 0 0 rg BT 547.37 65.10 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (counterparty or within a sector or country where Citi has lar) Tj ET Q q 0 0 0 rg BT 563.74 53.10 Td (ge ) 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 33.60 Td (53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (exposures or unexpected market dislocations could cause Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (to incur significant losses.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (LIQUIDITY) Tj ET Q q 0 0 0 rg BT 90.09 713.10 Td ( RISKS) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (The Maintenance of ) Tj ET Q q 0 0 0 rg BT 122.02 689.10 Td (Adequate Liquidity and Funding ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (Depends on Numerous Factors, Including Those Outside of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.59 665.10 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 36.00 653.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.59 653.10 Td (s Credit Spreads.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (As a global financial institution, adequate liquidity and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (sources of funding are essential to Citi) Tj ET Q q 0 0 0 rg BT 192.63 629.10 Td (s businesses. Citi) Tj ET Q q 0 0 0 rg BT 264.03 629.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 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 36.00 605.10 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 36.00 593.10 Td (general disruptions in the financial markets, governmental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (fiscal and monetary policies, regulatory changes or negative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (investor perceptions of Citi) Tj ET Q q 0 0 0 rg BT 147.92 569.10 Td (s creditworthiness, unexpected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (increases in cash or collateral requirements and the inability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (monetize available liquidity resources. For example, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (competes with other banks and financial institutions for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (deposits, which represent Citi) Tj ET Q q 0 0 0 rg BT 157.65 521.10 Td (s most stable and lowest cost of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (long-term funding. ) Tj ET Q q 0 0 0 rg BT 113.86 509.10 Td (The competitive environment has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (increased for retail banking deposits, including as online banks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (and other competitors have increased rates paid for deposits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (More recently) Tj ET Q q 0 0 0 rg BT 91.71 473.10 Td (, as interest rates have increased, a growing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (number of customers have transferred deposits to other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (products, including investments and interest bearing accounts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (and/or other financial institutions. ) Tj ET Q q 0 0 0 rg BT 173.85 437.10 Td (This, along with slower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (industry growth in deposits, has resulted in a more challenging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (environment for deposits. In addition, as interest rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (continue to rise, financial institutions, such as Citi, may have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (to raise the rates paid for deposits, thus increasing the cost of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (funds and af) Tj ET Q q 0 0 0 rg BT 85.25 377.10 Td (fecting net interest income and mar) Tj ET Q q 0 0 0 rg BT 226.40 377.10 Td (gin. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 365.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 96.03 365.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 118.81 365.10 Td (s costs to obtain and access secured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (funding and long-term unsecured funding are directly related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (to its credit spreads. Changes in credit spreads constantly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (occur and are market driven, including both external market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (factors and factors specific to Citi, and can be highly volatile. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 174.88 305.10 Td (s primary sources of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (funding, see Liquidity Risk below) Tj ET Q q 0 0 0 rg BT 180.60 293.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 281.10 Td (In addition, Citi) Tj ET Q q 0 0 0 rg BT 123.39 281.10 Td (s ability to obtain funding may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (impaired if other market participants are seeking to access the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (markets at the same time, or if market appetite is reduced, as is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (likely to occur in a liquidity or other market crisis. ) Tj ET Q q 0 0 0 rg BT 239.56 245.10 Td (A) Tj ET Q q 0 0 0 rg BT 246.23 245.10 Td ( sudden ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (drop in market liquidity could also cause a temporary or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (lengthier dislocation of underwriting and capital markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (activity) Tj ET Q q 0 0 0 rg BT 65.34 209.10 Td (. In addition, clearing or) Tj ET Q q 0 0 0 rg BT 161.80 209.10 Td (ganizations, central banks, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (clients and financial institutions with which Citi interacts may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (exercise the right to require additional collateral based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (these market perceptions or market conditions, which could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (further impair Citi) Tj ET Q q 0 0 0 rg BT 112.09 161.10 Td (s access to and cost of funding. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 149.10 Td (As a holding company) Tj ET Q q 0 0 0 rg BT 146.61 149.10 Td (, Citi relies on interest, dividends, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 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 36.00 125.10 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 36.00 113.10 Td (Several of Citi) Tj ET Q q 0 0 0 rg BT 97.10 113.10 Td (s U.S. and non-U.S. subsidiaries are or may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 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 89.10 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 77.10 Td (including any local regulatory stress test requirements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (Limitations on the payments that Citi receives from its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (subsidiaries could also impact its liquidity) Tj ET Q q 0 0 0 rg BT 203.94 53.10 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (The Credit Rating ) Tj ET Q q 0 0 0 rg BT 400.58 737.10 Td (Agencies Continuously Review the Credit ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 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 324.00 713.10 Td (Downgrades Could Have a Negative Impact on Citi) Tj ET Q q 0 0 0 rg BT 537.97 713.10 Td (s ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Funding and Liquidity Due to Reduced Funding Capacity ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (and Increased Funding Costs, Including Derivatives ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.74 677.10 Td (riggers That Could Require Cash Obligations or Collateral ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (The credit rating agencies, such as Fitch, Moody) Tj ET Q q 0 0 0 rg BT 521.45 653.10 Td (s and S&P) Tj ET Q q 0 0 0 rg BT 562.57 653.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 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 324.00 629.10 Td (their ratings of Citi and its more significant subsidiaries) Tj ET Q q 0 0 0 rg BT 549.33 629.10 Td ( long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (term/senior debt and short-term/commercial paper) Tj ET Q q 0 0 0 rg BT 524.63 617.10 Td (, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 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 324.00 593.10 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 324.00 581.10 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 324.00 569.10 Td (agencies) Tj ET Q q 0 0 0 rg BT 361.01 569.10 Td ( proprietary rating methodologies and assumptions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (and conditions af) Tj ET Q q 0 0 0 rg BT 392.69 557.10 Td (fecting the financial services industry and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (markets generally) Tj ET Q q 0 0 0 rg BT 394.71 545.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 533.10 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 324.00 521.10 Td (current respective ratings. Ratings downgrades could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (negatively impact Citi) Tj ET Q q 0 0 0 rg BT 415.65 509.10 Td (s ability to access the capital markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 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 324.00 485.10 Td (and its ability to maintain certain deposits. ) Tj ET Q q 0 0 0 rg BT 495.64 485.10 Td (A) Tj ET Q q 0 0 0 rg BT 502.31 485.10 Td ( ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (downgrade could also have a negative impact on Citi) Tj ET Q q 0 0 0 rg BT 538.94 473.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (funding and liquidity due to reduced funding capacity) Tj ET Q q 0 0 0 rg BT 538.57 461.10 Td (, as well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (as the impact of derivative triggers, which could require Citi to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (meet cash obligations and collateral requirements. In addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (a ratings downgrade could also have a negative impact on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (other funding sources, such as secured financing and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (mar) Tj ET Q q 0 0 0 rg BT 339.37 401.10 Td (gined transactions for which there may be no explicit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (triggers, as well as on contractual provisions and other credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (requirements of Citi) Tj ET Q q 0 0 0 rg BT 407.32 377.10 Td (s counterparties and clients, which may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (contain minimum ratings thresholds in order for Citi to hold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (third-party funds. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 341.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 384.03 341.10 Td (, credit ratings downgrades can have impacts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (that may not be currently known to Citi or are not possible to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (quantify) Tj ET Q q 0 0 0 rg BT 356.68 317.10 Td (. For example, some entities may have ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (limitations as to their permissible counterparties, of which Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (may or may not be aware. Further) Tj ET Q q 0 0 0 rg BT 459.39 293.10 Td (, certain of Citi) Tj ET Q q 0 0 0 rg BT 522.70 293.10 Td (s corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (customers and trading counterparties, among other clients, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (could re-evaluate their business relationships with Citi and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (limit the trading of certain contracts or market instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (with Citi in response to ratings downgrades. Changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (customer and counterparty behavior could impact not only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 221.10 Td (s funding and liquidity but also the results of operations of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (certain Citi businesses. For additional information on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (potential impact of a reduction in Citi) Tj ET Q q 0 0 0 rg BT 477.30 197.10 Td (s or Citibank) Tj ET Q q 0 0 0 rg BT 531.74 197.10 Td (s credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (ratings, see Managing Global RiskLiquidity Risk below) Tj ET Q q 0 0 0 rg BT 565.82 185.10 Td (.) 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 33.60 Td (54) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (OPERA) Tj ET Q q 0 0 0 rg BT 70.26 749.25 Td (TIONAL) Tj ET Q q 0 0 0 rg BT 109.16 749.25 Td ( RISKS) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (A) Tj ET Q q 0 0 0 rg BT 42.12 725.25 Td ( Disruption of Citi) Tj ET Q q 0 0 0 rg BT 120.00 725.25 Td (s Operational Systems Could Negatively ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (Impact Citi) Tj ET Q q 0 0 0 rg BT 84.98 713.25 Td (s Reputation, Customers, Clients, Businesses or ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (Results of Operations and Financial Condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (A) Tj ET Q q 0 0 0 rg BT 42.67 689.25 Td ( significant portion of Citi) Tj ET Q q 0 0 0 rg BT 149.88 689.25 Td (s operations relies heavily on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (secure processing, storage and transmission of confidential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (and other information as well as the monitoring of a lar) Tj ET Q q 0 0 0 rg BT 256.87 665.25 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 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 36.00 641.25 Td (For example, through its ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 136.82 641.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.82 641.25 Td ( and treasury and trade solutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (and securities services businesses in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 182.91 629.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.13 629.25 Td (, Citi obtains and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (stores an extensive amount of personal and client-specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (information for its retail, corporate and governmental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 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 36.00 581.25 Td (their extensive account transactions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 569.25 Td (W) Tj ET Q q 0 0 0 rg BT 66.04 569.25 Td (ith the evolving proliferation of new technologies and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (the increasing use of the Internet, mobile devices and cloud ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (technologies to conduct financial transactions, lar) Tj ET Q q 0 0 0 rg BT 234.09 545.25 Td (ge global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (financial institutions such as Citi have been, and will continue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (to be, subject to an increasing risk of operational disruption or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (cyber or information security incidents from these activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (\(for additional information on cybersecurity risk, see the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (discussion below\). ) Tj ET Q q 0 0 0 rg BT 112.76 485.25 Td (These incidents are unpredictable and can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (arise from numerous sources, not all of which are in Citi) Tj ET Q q 0 0 0 rg BT 264.55 473.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (control, including, among others, human error) Tj ET Q q 0 0 0 rg BT 220.00 461.25 Td (, fraud or malice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (on the part of employees, accidental technological failure, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (electrical or telecommunication outages, failures of computer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (servers or other similar damage to Citi) Tj ET Q q 0 0 0 rg BT 192.63 425.25 Td (s property or assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (These issues can also arise as a result of failures by third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (parties with which Citi does business, such as failures by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (Internet, mobile technology and cloud service providers or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (other vendors to adequately safeguard their systems and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (prevent system disruptions or cyber attacks. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 353.25 Td (Such events could cause interruptions or malfunctions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (the operations of Citi \(such as the temporary loss of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (availability of Citi) Tj ET Q q 0 0 0 rg BT 112.10 329.25 Td (s online banking system or mobile banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (platform\), as well as the operations of its clients, customers or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (other third parties. Given Citi) Tj ET Q q 0 0 0 rg BT 156.81 305.25 Td (s global footprint and the high ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (volume of transactions processed by Citi, certain errors or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (actions may be repeated or compounded before they are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (discovered and rectified, which would further increase these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (costs and consequences. ) Tj ET Q q 0 0 0 rg BT 134.86 257.25 Td (Any such events could also result in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (financial losses as well as misappropriation, corruption or loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (of confidential and other information or assets, which could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (negatively impact Citi) Tj ET Q q 0 0 0 rg BT 127.65 221.25 Td (s reputation, customers, clients, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (businesses or results of operations and financial condition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (perhaps significantly) Tj ET Q q 0 0 0 rg BT 118.94 197.25 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (Citi and Third Parties) Tj ET Q q 0 0 0 rg BT 128.88 173.25 Td ( Computer Systems and Networks ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (Have Been, and ) Tj ET Q q 0 0 0 rg BT 104.14 161.25 Td (W) Tj ET Q q 0 0 0 rg BT 112.67 161.25 Td (ill Continue to Be, Susceptible to an ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (Increasing Risk of Continually Evolving, Sophisticated ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (Cybersecurity ) Tj ET Q q 0 0 0 rg BT 94.78 137.25 Td (Activities That Could Result in the Theft, Loss, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td (Misuse or Disclosure of Confidential Client or Customer ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 113.25 Td (Information, Damage to Citi) Tj ET Q q 0 0 0 rg BT 156.38 113.25 Td (s Reputation, ) Tj ET Q q 0 0 0 rg BT 212.97 113.25 Td (Additional Costs ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 Td (to Citi, Regulatory Penalties, Legal Exposure and Financial ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 89.25 Td (Losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 77.25 Td (s computer systems, software and networks are subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (ongoing cyber incidents such as unauthorized access, loss or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.25 Td (destruction of data \(including confidential client information\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (account takeovers, unavailability of service, computer viruses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (or other malicious code, cyber attacks and other similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (events. ) Tj ET Q q 0 0 0 rg BT 354.37 725.10 Td (These threats can arise from external parties, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (cyber criminals, cyber terrorists, hacktivists and nation state ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (actors, as well as insiders who knowingly or unknowingly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (engage in or enable malicious cyber activities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 677.10 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 324.00 665.10 Td (retailers and other third parties with which Citi) Tj ET Q q 0 0 0 rg BT 514.23 665.10 Td (s customers do ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (business, may also be sources of cybersecurity risks, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (particularly where activities of customers are beyond Citi) Tj ET Q q 0 0 0 rg BT 556.42 641.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (security and control systems. For example, Citi outsources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (certain functions, such as processing customer credit card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (transactions, uploading content on customer) Tj ET Q q 0 0 0 rg BT 500.15 605.10 Td (-facing websites, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (and developing software for new products and services. ) Tj ET Q q 0 0 0 rg BT 549.02 593.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (relationships allow for the storage and processing of customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (information by third-party hosting of or access to Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (websites, which could result in compromise or the potential to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (introduce vulnerable or malicious code, resulting in security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (breaches impacting Citi customers. Furthermore, because ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (financial institutions are becoming increasingly interconnected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (with central agents, exchanges and clearing houses, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (as a result of the derivatives reforms over the last few years, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (Citi has increased exposure to cyber attacks through third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (parties. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 461.10 Td (Citi has been subject to intentional cyber incidents from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (external sources over the last several years, including \(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (denial of service attacks, which attempted to interrupt service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (to clients and customers, \(ii\) data breaches, which obtained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (unauthorized access to customer account data and \(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (malicious software attacks on client systems, which attempted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (to allow unauthorized entrance to Citi) Tj ET Q q 0 0 0 rg BT 478.12 389.10 Td (s systems under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (guise of a client and the extraction of client data. ) Tj ET Q q 0 0 0 rg BT 521.24 377.10 Td (While Citi) Tj ET Q q 0 0 0 rg BT 565.96 377.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (monitoring and protection services were able to detect and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (respond to the incidents tar) Tj ET Q q 0 0 0 rg BT 432.13 353.10 Td (geting its systems before they ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (became significant, they still resulted in limited losses in some ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (instances as well as increases in expenditures to monitor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (against the threat of similar future cyber incidents. ) Tj ET Q q 0 0 0 rg BT 527.92 317.10 Td (There can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (be no assurance that such cyber incidents will not occur again, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (and they could occur more frequently and on a more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (significant scale. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 269.10 Td (Further) Tj ET Q q 0 0 0 rg BT 374.04 269.10 Td (, although Citi devotes significant resources to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (implement, maintain, monitor and regularly upgrade its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (systems and networks with measures such as intrusion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (detection and prevention and firewalls to safeguard critical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (business applications, there is no guarantee that these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (measures or any other measures can provide absolute security) Tj ET Q q 0 0 0 rg BT 570.48 209.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 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 324.00 185.10 Td (frequently or) Tj ET Q q 0 0 0 rg BT 375.52 185.10 Td (, in some cases, are not recognized until launched ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (or even later) Tj ET Q q 0 0 0 rg BT 373.57 173.10 Td (, Citi may be unable to implement ef) Tj ET Q q 0 0 0 rg BT 520.02 173.10 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (preventive measures or proactively address these methods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (until they are discovered. In addition, given the evolving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (nature of cyber threat actors and the frequency and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (sophistication of cyber activities they carry out, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (determination of the severity and potential impact of a cyber ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (incident may not occur for a substantial period until after the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (incident has been discovered. ) Tj ET Q q 0 0 0 rg BT 443.68 89.10 Td (Also, while Citi engages in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (certain actions to reduce the exposure resulting from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (outsourcing, such as performing security control assessments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (of third-party vendors and limiting third-party access to the ) 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 33.60 Td (55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (least privileged level necessary to perform job functions, these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (actions cannot prevent all third-party related cyber attacks or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (data breaches. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 713.10 Td (Cyber incidents can result in the disclosure of personal, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (confidential or proprietary customer or client information, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (damage to Citi) Tj ET Q q 0 0 0 rg BT 97.66 689.10 Td (s reputation with its clients and the market, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (customer dissatisfaction and additional costs, including credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (costs, to Citi, such as repairing systems, replacing customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (payment cards or adding new personnel or protection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (technologies. Regulatory penalties, loss of revenues, exposure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (to litigation and other financial losses, including loss of funds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (to both Citi and its clients and customers and disruption to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 605.10 Td (s operational systems could also result from cyber ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (incidents \(for additional information on the potential impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (operational disruptions, see the operational systems risk factor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (above\). Moreover) Tj ET Q q 0 0 0 rg BT 107.24 569.10 Td (, the increasing risk of cyber incidents has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (resulted in increased legislative and regulatory scrutiny of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (firms) Tj ET Q q 0 0 0 rg BT 59.70 545.10 Td ( cybersecurity protection services and calls for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (additional laws and regulations to further enhance protection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (of consumers) Tj ET Q q 0 0 0 rg BT 92.19 521.10 Td ( personal data. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 509.10 Td ( ) Tj ET Q q 0 0 0 rg BT 59.32 509.10 Td (While Citi maintains insurance coverage that may) Tj ET Q q 0 0 0 rg BT 258.60 509.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (subject to policy terms and conditions including significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 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 36.00 473.10 Td (such insurance coverage may be insuf) Tj ET Q q 0 0 0 rg BT 187.70 473.10 Td (ficient to cover all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 449.10 Td (For additional information about Citi) Tj ET Q q 0 0 0 rg BT 208.09 449.10 Td (s management of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (cybersecurity risk, see Managing Global RiskOperational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (RiskCybersecurity Risk below) Tj ET Q q 0 0 0 rg BT 172.00 425.10 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (Incorrect ) Tj ET Q q 0 0 0 rg BT 76.46 401.10 Td (Assumptions or Estimates in Citi) Tj ET Q q 0 0 0 rg BT 214.09 401.10 Td (s Financial ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (Statements Could Cause Significant Unexpected Losses in ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (the Future, and Changes to Financial ) Tj ET Q q 0 0 0 rg BT 194.84 377.10 Td (Accounting and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (Reporting Standards or Interpretations Could Have a ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 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 36.00 341.10 Td (Financial Condition and Results of Operations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (U.S. GAAP) Tj ET Q q 0 0 0 rg BT 83.14 329.10 Td ( requires Citi to use certain assumptions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (estimates in preparing its financial statements, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (reserves related to litigation and regulatory exposures, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (valuation of DT) Tj ET Q q 0 0 0 rg BT 99.07 293.10 Td (As, the estimate of the allowance for credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (losses and the fair values of certain assets and liabilities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (among other items. If Citi) Tj ET Q q 0 0 0 rg BT 142.37 269.10 Td (s assumptions or estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (underlying its financial statements are incorrect or dif) Tj ET Q q 0 0 0 rg BT 250.46 257.10 Td (fer from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (actual events, Citi could experience unexpected losses, some ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (of which could be significant. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 221.10 Td (Periodically) Tj ET Q q 0 0 0 rg BT 104.67 221.10 Td (, the Financial ) Tj ET Q q 0 0 0 rg BT 163.55 221.10 Td (Accounting Standards Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (\(F) Tj ET Q q 0 0 0 rg BT 44.15 209.10 Td (ASB\) issues financial accounting and reporting standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (that may govern key aspects of Citi) Tj ET Q q 0 0 0 rg BT 180.41 197.10 Td (s financial statements or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (interpretations thereof when those standards become ef) Tj ET Q q 0 0 0 rg BT 256.29 185.10 Td (fective, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (including those areas where Citi is required to make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (assumptions or estimates. For example, the F) Tj ET Q q 0 0 0 rg BT 215.79 161.10 Td (ASB) Tj ET Q q 0 0 0 rg BT 238.02 161.10 Td (s new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (accounting standard on credit losses \(CECL\), which will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (become ef) Tj ET Q q 0 0 0 rg BT 77.18 137.10 Td (fective for Citi on January 1, 2020, will require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (earlier recognition of credit losses on loans and held-to-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (maturity securities and other financial assets. ) Tj ET Q q 0 0 0 rg BT 218.26 113.10 Td (The CECL) Tj ET Q q 0 0 0 rg BT 261.49 113.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (methodology requires that lifetime expected credit losses be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (recorded at the time the financial asset is originated or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (acquired. ) Tj ET Q q 0 0 0 rg BT 75.24 77.10 Td (The expected credit losses are adjusted each period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (for changes in expected lifetime credit losses. ) Tj ET Q q 0 0 0 rg BT 220.75 65.10 Td (The CECL) Tj ET Q q 0 0 0 rg BT 263.98 65.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (methodology replaces the multiple existing impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (models under U.S. GAAP) Tj ET Q q 0 0 0 rg BT 427.79 749.10 Td ( that generally require that a loss be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (incurred before it is recognized. For additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (on this and other accounting standards, including the expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (impacts on Citi) Tj ET Q q 0 0 0 rg BT 387.89 713.10 Td (s results of operations and financial condition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (see Future ) Tj ET Q q 0 0 0 rg BT 371.76 701.10 Td (Application of ) Tj ET Q q 0 0 0 rg BT 431.75 701.10 Td (Accounting Standards below) Tj ET Q q 0 0 0 rg BT 551.08 701.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 689.10 Td (Changes to financial accounting or reporting standards or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (interpretations, whether promulgated or required by the F) Tj ET Q q 0 0 0 rg BT 553.19 677.10 Td (ASB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (or other regulators, could present operational challenges and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 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 324.00 641.10 Td (estimates it previously used in preparing its financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 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 324.00 617.10 Td (reports its financial condition and results of operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 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 324.00 593.10 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 324.00 581.10 Td (and estimates are used in preparing Citi) Tj ET Q q 0 0 0 rg BT 485.06 581.10 Td (s financial statements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (see Significant ) Tj ET Q q 0 0 0 rg BT 389.54 569.10 Td (Accounting Policies and Significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (Estimates below and Notes 1 and 27 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (Financial Statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (Citi May Incur Significant Losses and Its Regulatory Capital ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (and Capital Ratios Could Be Negatively Impacted if Its Risk ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (Management Processes, Strategies or Models ) Tj ET Q q 0 0 0 rg BT 512.52 497.10 Td (Are Deficient ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (or Inef) Tj ET Q q 0 0 0 rg BT 352.43 485.10 Td (fective.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (Citi utilizes a broad and diversified set of risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (and mitigation processes and strategies, including the use of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (risk models in analyzing and monitoring the various risks Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (assumes in conducting its activities. For example, Citi uses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (models as part of its comprehensive stress testing initiatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (across Citi. Citi also relies on data to aggregate, assess and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (manage various risk exposures. Management of these risks is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (made even more challenging within a global financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 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 324.00 365.10 Td (and rapidly changing financial markets and conditions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (which Citi operates as well as that losses can occur from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (untimely) Tj ET Q q 0 0 0 rg BT 358.90 341.10 Td (, inaccurate or incomplete processes caused by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (unintentional human error) Tj ET Q q 0 0 0 rg BT 427.86 329.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 317.10 Td (These processes, strategies and models are inherently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (limited because they involve techniques, including the use of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (historical data in many circumstances, assumptions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (judgments that cannot anticipate every economic and financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (outcome in the markets in which Citi operates, nor can they ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (anticipate the specifics and timing of such outcomes. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (could incur significant losses, and its regulatory capital and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (capital ratios could be negatively impacted, if Citi) Tj ET Q q 0 0 0 rg BT 526.71 233.10 Td (s risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (management processes, including its ability to manage and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (aggregate data in a timely and accurate manner) Tj ET Q q 0 0 0 rg BT 512.11 209.10 Td (, strategies or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (models are deficient or inef) Tj ET Q q 0 0 0 rg BT 433.77 197.10 Td (fective. Such deficiencies or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (inef) Tj ET Q q 0 0 0 rg BT 339.37 185.10 Td (fectiveness could also result in inaccurate financial, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (regulatory or risk reporting. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 161.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 384.03 161.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 406.81 161.10 Td (s Basel III regulatory capital models, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (including its credit, market and operational risk models, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (currently remain subject to ongoing regulatory review and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (approval, which may result in refinements, modifications or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (enhancements \(required or otherwise\) to these models. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 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 89.10 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 77.10 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 65.10 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 53.10 Td (continue to result in, significant changes to Citi) Tj ET Q q 0 0 0 rg BT 516.19 53.10 Td (s risk-) 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 (56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (weighted assets. ) Tj ET Q q 0 0 0 rg BT 103.30 749.10 Td (These changes can negatively impact Citi) Tj ET Q q 0 0 0 rg BT 272.41 749.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (capital ratios and its ability to achieve its regulatory capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (requirements as it projects or as required. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (COMPLIANCE RISKS) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (Ongoing Implementation and Interpretation of Regulatory ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 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 36.00 653.10 Td (Increased Citi) Tj ET Q q 0 0 0 rg BT 96.64 653.10 Td (s Compliance Risks and Costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 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 36.00 629.10 Td (required to implement a significant number of regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 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 36.00 605.10 Td (changes continue. In some cases, Citi) Tj ET Q q 0 0 0 rg BT 188.46 605.10 Td (s implementation of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (regulatory requirement is occurring simultaneously with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (changing or conflicting regulatory guidance, legal challenges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (or legislative action to modify or repeal existing rules or enact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (new rules. 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For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (example, Citi employed roughly 30,000 risk, regulatory and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (compliance staf) Tj ET Q q 0 0 0 rg BT 98.85 125.10 Td (f as of year) Tj ET Q q 0 0 0 rg BT 143.34 125.10 Td (-end 2018, out of a total employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (population of 204,000, compared to approximately 14,000 as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (of year) Tj ET Q q 0 0 0 rg BT 63.84 101.10 Td (-end 2008 with a total employee population of 323,000. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (These higher regulatory and compliance costs can impede ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 77.10 Td (s ongoing, business-as-usual cost reduction ef) Tj ET Q q 0 0 0 rg BT 236.90 77.10 Td (forts, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (can also require management to reallocate resources, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (potentially away from ongoing business investment initiatives, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (as discussed above. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Citi Is Subject to Extensive Legal and Regulatory ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Proceedings, Investigations and Inquiries That Could Result ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 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 324.00 677.10 Td (Its Businesses and Results of Operations.) 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In addition to increasing Citi) Tj ET Q q 0 0 0 rg BT 523.96 401.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (compliance and reputational risks, this focus on conduct risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (could lead to more regulatory or other enforcement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (proceedings and civil litigation, including for practices, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (historically were acceptable but now receive greater scrutiny) Tj ET Q q 0 0 0 rg BT 566.29 353.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (Further) Tj ET Q q 0 0 0 rg BT 353.04 341.10 Td (, while Citi takes numerous steps to prevent and detect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (conduct by employees and agents that could potentially harm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (clients, customers, investors or the markets, such behavior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (may not always be deterred or prevented. Banking regulators ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (have also focused on the overall culture of financial services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (firms, including Citi. In addition to regulatory restrictions or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (structural changes that could result from perceived ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (deficiencies in Citi) Tj ET Q q 0 0 0 rg BT 402.31 257.10 Td (s culture, such focus could also lead to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (additional regulatory proceedings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 233.10 Td (In addition, the severity of the remedies sought in legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (and regulatory proceedings to which Citi is subject has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (remained elevated. 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Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 550 656.26005859375 m 559 656.26005859375 l s q 0 0 1 rg BT 550.00 657.46 Td (64) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 550 642.26005859375 m 559 642.26005859375 l s q 0 0 1 rg BT 550.00 643.46 Td (71) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 550 628.26005859375 m 559 628.26005859375 l s q 0 0 1 rg BT 550.00 629.46 Td (74) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 550 614.26005859375 m 559 614.26005859375 l s q 0 0 1 rg BT 550.00 615.46 Td (74) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 550 600.26005859375 m 559 600.26005859375 l s q 0 0 1 rg BT 550.00 601.46 Td (75) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 550 572.26005859375 m 559 572.26005859375 l s q 0 0 1 rg BT 550.00 573.46 Td (78) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 550 544.26005859375 m 559 544.26005859375 l s q 0 0 1 rg BT 550.00 545.46 Td (82) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 550 530.26005859375 m 559 530.26005859375 l s q 0 0 1 rg BT 550.00 531.46 Td (82) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 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376.26005859375 m 559 376.26005859375 l s q 0 0 1 rg BT 550.00 377.46 Td (92) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 550 362.26005859375 m 559 362.26005859375 l s q 0 0 1 rg BT 550.00 363.46 Td (92) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 550 334.26005859375 m 559 334.26005859375 l s q 0 0 1 rg BT 550.00 335.46 Td (95) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 545.5 306.26005859375 m 559 306.26005859375 l s q 0 0 1 rg BT 545.50 307.46 Td (101) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 545.5 250.26005859375005 m 559 250.26005859375005 l s q 0 0 1 rg BT 545.50 251.46 Td (106) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 545.5 236.26005859375005 m 559 236.26005859375005 l s q 0 0 1 rg BT 545.50 237.46 Td (106) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 545.5 222.26005859375005 m 559 222.26005859375005 l s q 0 0 1 rg BT 545.50 223.46 Td (106) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 545.5 208.26005859375005 m 559 208.26005859375005 l s q 0 0 1 rg BT 545.50 209.46 Td (107) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 545.5 194.26005859375005 m 559 194.26005859375005 l s q 0 0 1 rg BT 545.50 195.46 Td (108) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 545.5 180.26005859375005 m 559 180.26005859375005 l s q 0 0 1 rg BT 545.50 181.46 Td (108) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 545.5 166.26005859375005 m 559 166.26005859375005 l s q 0 0 1 rg BT 545.50 167.46 Td (108) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 545.5 152.26005859375005 m 559 152.26005859375005 l s q 0 0 1 rg BT 545.50 153.46 Td (108) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 545.8 124.26005859375005 m 558.966015625 124.26005859375005 l s q 0 0 1 rg BT 545.80 125.46 Td (1) Tj ET Q q 0 0 1 rg BT 549.97 125.46 Td (10) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 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 (59) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (MANAGING GLOBAL) Tj ET Q q 0 0 0 rg BT 159.01 747.90 Td ( RISK) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 723.90 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 711.90 Td (For Citi, ef) Tj ET Q q 0 0 0 rg BT 79.98 711.90 Td (fective risk management is of primary importance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 699.90 Td (to its overall operations. ) Tj ET Q q 0 0 0 rg BT 134.59 699.90 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 183.93 699.90 Td (, Citi) Tj ET Q q 0 0 0 rg BT 206.71 699.90 Td (s risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 687.90 Td (process has been designed to monitor) Tj ET Q q 0 0 0 rg BT 185.29 687.90 Td (, evaluate and manage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 675.90 Td (the principal risks it assumes in conducting its activities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 663.90 Td (Specifically) Tj ET Q q 0 0 0 rg BT 83.11 663.90 Td (, the activities that Citi engages in, and the risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 651.90 Td (those activities generate, must be consistent with Citi) Tj ET Q q 0 0 0 rg BT 251.51 651.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 639.90 Td (mission and value proposition, the key principles that guide it, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 627.90 Td (and Citi's risk appetite.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 615.90 Td (Risk management must be built on a foundation of ethical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 603.90 Td (culture. Under Citi) Tj ET Q q 0 0 0 rg BT 114.04 603.90 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 Company) Tj ET Q q 0 0 0 rg BT 135.34 579.90 Td (, Citi strives to serve its clients as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 567.90 Td (trusted partner 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 138.75 531.90 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 our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 507.90 Td (clients) Tj ET Q q 0 0 0 rg BT 64.69 507.90 Td ( interests, create economic value and are always ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 495.90 Td (systemically responsible. ) Tj ET Q q 0 0 0 rg BT 138.49 495.90 Td (Additionally) Tj ET Q q 0 0 0 rg BT 188.39 495.90 Td (, Citi evaluates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 483.90 Td (employees) Tj ET Q q 0 0 0 rg BT 81.35 483.90 Td ( performance against behavioral expectations set ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 471.90 Td (out in Citi) Tj ET Q q 0 0 0 rg BT 79.34 471.90 Td (s leadership standards, which were designed in part ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.90 Td (to ef) Tj ET Q q 0 0 0 rg BT 53.87 459.90 Td (fectuate Citi) Tj ET Q q 0 0 0 rg BT 105.79 459.90 Td (s mission and value proposition. Other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 447.90 Td (culture-related ef) Tj ET Q q 0 0 0 rg BT 104.38 447.90 Td (forts in connection with conduct risk, ethics ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 435.90 Td (and leadership, escalation and treating customers fairly help ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 423.90 Td (Citi to execute 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 (Citi) Tj ET Q q 0 0 0 rg BT 71.78 411.90 Td (s Company-wide risk governance framework consists ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 399.90 Td (of the policies, standards, procedures and processes through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.90 Td (which Citi identifies, assesses, measures, manages, monitors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 375.90 Td (reports and controls risks across the Company) Tj ET Q q 0 0 0 rg BT 219.76 375.90 Td (. It also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 363.90 Td (emphasizes Citi) Tj ET Q q 0 0 0 rg BT 102.38 363.90 Td (s risk culture and lays out standards, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 351.90 Td (procedures and programs that are designed and undertaken to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 339.90 Td (enhance the Company) Tj ET Q q 0 0 0 rg BT 127.64 339.90 Td (s risk culture, embed this culture deeply ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 327.90 Td (within the or) Tj ET Q q 0 0 0 rg BT 86.92 327.90 Td (ganization, and give employees tools to make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 315.90 Td (sound and ethical risk decisions and to escalate issues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 303.90 Td (appropriately) Tj ET Q q 0 0 0 rg BT 88.66 303.90 Td (. ) Tj ET Q q 0 0 0 rg BT 93.48 303.90 Td (The risk governance framework has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 291.90 Td (developed in alignment with the expectations of the Of) Tj ET Q q 0 0 0 rg BT 255.76 291.90 Td (fice of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 279.90 Td (the Comptroller of the Currency \(OCC\) Heightened Standards. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 267.90 Td (It is also aligned with the relevant components of the Basel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 255.90 Td (Committee on Banking Supervision) Tj ET Q q 0 0 0 rg BT 182.38 255.90 Td (s corporate governance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 243.90 Td (principles for banks and relevant components of the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 231.90 Td (Reserve) Tj ET Q q 0 0 0 rg BT 70.99 231.90 Td (s Enhanced Prudential Standards for Bank Holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 219.90 Td (Companies and Foreign Banking Or) Tj ET Q q 0 0 0 rg BT 180.80 219.90 Td (ganizations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 207.90 Td (Four key principlescommon purpose, responsible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 195.90 Td (finance, ingenuity and leadershipguide Citi as it performs its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 183.90 Td (mission. Citi) Tj ET Q q 0 0 0 rg BT 89.90 183.90 Td (s risk appetite, which is approved by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 171.90 Td (Citigroup Board of Directors, specifies the aggregate levels ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 159.90 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 36.00 147.90 Td (assume to achieve Citi) Tj ET Q q 0 0 0 rg BT 129.03 147.90 Td (s strategic objectives and business plan, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 135.90 Td (consistent with applicable capital, liquidity and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 123.90 Td (regulatory requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 111.90 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 99.90 Td (business strategy) Tj ET Q q 0 0 0 rg BT 103.40 99.90 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 87.90 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 75.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 75.90 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 63.90 Td (follows:) 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 (Cr) Tj ET Q q 0 0 0 rg BT 352.19 749.10 Td (edit risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.69 749.10 Td ( is the risk of loss resulting from the decline in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 737.10 Td (credit quality \(or downgrade risk\) or failure of a borrower) Tj ET Q q 0 0 0 rg BT 572.90 737.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 725.10 Td (counterparty) Tj ET Q q 0 0 0 rg BT 391.88 725.10 Td (, third party or issuer to honor its financial or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 713.10 Td (contractual obligations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 701.10 Td (Liquidity risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.61 701.10 Td ( is the risk that the Company will not be able ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 689.10 Td (to meet ef) Tj ET Q q 0 0 0 rg BT 381.80 689.10 Td (ficiently both expected and unexpected current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 677.10 Td (and future cash flow and collateral needs without ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 665.10 Td (adversely af) Tj ET Q q 0 0 0 rg BT 390.40 665.10 Td (fecting either daily operations or financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 653.10 Td (conditions of the Company) Tj ET Q q 0 0 0 rg BT 449.95 653.10 Td (. ) Tj ET Q q 0 0 0 rg BT 454.77 653.10 Td (The risk may be exacerbated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 641.10 Td (by the inability of the Company to access funding sources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 629.10 Td (or monetize assets and the composition of liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 617.10 Td (funding and liquid assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 605.10 Td (Market risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.38 605.10 Td ( is the risk of loss arising from changes in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 593.10 Td (value of Citi) Tj ET Q q 0 0 0 rg BT 394.77 593.10 Td (s assets and liabilities resulting from changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 581.10 Td (in market variables, such as interest rates, exchange rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 569.10 Td (or credit spreads. Losses can be exacerbated by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 557.10 Td (presence of basis or correlation risks.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 545.10 Td (Operational risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.39 545.10 Td ( is the risk of loss resulting from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 533.10 Td (inadequate or failed internal processes, systems or human ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 521.10 Td (factors, or from external events. It includes risk of failing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 509.10 Td (to comply with applicable laws and regulations, but ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 497.10 Td (excludes strategic risk \(see below\). It also includes the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 485.10 Td (reputation and franchise risk associated with business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 473.10 Td (practices or market conduct in which Citi is involved, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 461.10 Td (well as compliance, conduct and legal risks. Operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 449.10 Td (risk is inherent in Citi) Tj ET Q q 0 0 0 rg BT 432.00 449.10 Td (s global business activities, as well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 437.10 Td (as related support, and can result in losses arising from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 425.10 Td (events related to fraud, theft and unauthorized activity; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 413.10 Td (employment practices and workplace environment; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 401.10 Td (clients, products and business practices; physical assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 389.10 Td (and infrastructure, and execution, delivery and process ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 377.10 Td (management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 365.10 Td (Compliance risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.83 365.10 Td ( is the risk to current or projected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 353.10 Td (financial condition and resilience arising from violations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 341.10 Td (of laws or regulations, or from nonconformance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 329.10 Td (prescribed practices, internal policies and procedures, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 317.10 Td (ethical standards. ) Tj ET Q q 0 0 0 rg BT 413.74 317.10 Td (This risk exposes a bank to fines, civil ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 305.10 Td (money penalties, payment of damages and the voiding of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 293.10 Td (contracts. Compliance risk is not limited to risk from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 281.10 Td (failure to comply with consumer protection laws; it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 269.10 Td (encompasses the risk of noncompliance with all laws and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 257.10 Td (regulations, as well as prudent ethical standards and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 245.10 Td (contractual obligations. It also includes the exposure to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 233.10 Td (litigation \(known as legal risk\) from all aspects of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 221.10 Td (banking, traditional and nontraditional.) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 498.35 221.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.85 221.10 Td (Compliance risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 209.10 Td (spans across all risk types outlined in the risk governance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 197.10 Td (framework.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 185.10 Td (Reputational risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.16 185.10 Td ( is the risk to current or anticipated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 173.10 Td (earnings, capital, or franchise or enterprise value and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 161.10 Td (resilience arising from negative public opinion.) 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 (Strategic risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.10 149.10 Td (is the risk to current or anticipated earnings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 137.10 Td (capital, or franchise or enterprise value arising from poor) Tj ET Q q 0 0 0 rg BT 570.12 137.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 125.10 Td (but authorized business decisions \(in compliance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 113.10 Td (regulations, policies and procedures\), an inability to adapt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 101.10 Td (to changes in the operating environment or other external ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 89.10 Td (factors that may impair the ability to carry out a business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 77.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 373.01 77.10 Td (. Strategic risk also includes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 59.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 360.00 59.10 Td (Country risk,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.78 59.10 Td ( which is the risk that an event in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.00 47.10 Td (country \(precipitated by developments within or ) Tj ET Q endstream endobj 121 0 obj <> endobj 122 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 749.10 Td (external to a country\) will impair the value of Citi) Tj ET Q q 0 0 0 rg BT 274.44 749.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 737.10 Td (franchise or will adversely af) Tj ET Q q 0 0 0 rg BT 188.44 737.10 Td (fect the ability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 725.10 Td (obligors within that country to honor their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 713.10 Td (obligations. Country risk events may include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 701.10 Td (sovereign defaults, banking crises, currency crises, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 689.10 Td (currency convertibility and/or transferability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 677.10 Td (restrictions or political events.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 653.10 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 36.00 641.10 Td (defense: \(i\) business management, \(ii\) independent control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (functions and \(iii\) internal audit. ) Tj ET Q q 0 0 0 rg BT 168.01 629.10 Td (The three lines of defense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 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 36.00 605.10 Td (to bring various perspectives together and to lead the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (or) Tj ET Q q 0 0 0 rg BT 44.15 593.10 Td (ganization toward outcomes that are in clients) Tj ET Q q 0 0 0 rg BT 230.57 593.10 Td ( interests, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (create economic value and are systemically responsible.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (First Line of Defense: Business Management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (Each of Citi) Tj ET Q q 0 0 0 rg BT 87.10 545.10 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 36.00 533.10 Td (identifying, assessing and managing its risks. Each business is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (also responsible for establishing and operating controls to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (mitigate key risks, assessing internal controls and promoting a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (culture of compliance and control. In doing so, a business is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (required to maintain appropriate staf) Tj ET Q q 0 0 0 rg BT 181.87 485.10 Td (fing and implement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (appropriate procedures to fulfill its risk governance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (responsibilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 449.10 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 36.00 437.10 Td (Citigroup CEO. ) Tj ET Q q 0 0 0 rg BT 101.65 437.10 Td (The Head of Enterprise Infrastructure, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (Operations and ) Tj ET Q q 0 0 0 rg BT 99.13 425.10 Td (T) Tj ET Q q 0 0 0 rg BT 104.54 425.10 Td (echnology \(EIO&T\), who is considered part ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (of the first line of defense, also reports to the Citigroup CEO.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 401.10 Td (Businesses at Citi or) Tj ET Q q 0 0 0 rg BT 135.76 401.10 Td (ganize and chair committees and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (councils that cover risk considerations with participation from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (independent control functions, including committees or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 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 36.00 353.10 Td (capital, assets and liabilities, business practices, business risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (and controls, mer) Tj ET Q q 0 0 0 rg BT 105.52 341.10 Td (gers and acquisitions, the Community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (Reinvestment ) Tj ET Q q 0 0 0 rg BT 92.94 329.10 Td (Act and fair lending and incentives.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (Second Line of Defense: Independent Contr) Tj ET Q q 0 0 0 rg BT 222.77 305.10 Td (ol Functions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 293.10 Td (s independent control functions, including Risk, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (Independent Compliance Risk Management, Human ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (Resources, Legal and Finance, set standards by which Citi and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (its businesses manage and oversee risks, including compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (with applicable laws, regulatory requirements, policies and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (other relevant standards of conduct. ) Tj ET Q q 0 0 0 rg BT 180.95 233.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 230.85 233.10 Td (, among other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (responsibilities, the independent control functions provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (advice and training to Citi) Tj ET Q q 0 0 0 rg BT 143.20 209.10 Td (s businesses and establish tools, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (methodologies, processes and oversight for controls used by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 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 36.00 161.10 Td (Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (The Risk or) Tj ET Q q 0 0 0 rg BT 83.04 149.10 Td (ganization is designed to act as an independent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 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 36.00 125.10 Td (operational risk in a manner consistent with Citi) Tj ET Q q 0 0 0 rg BT 231.24 125.10 Td (s risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (appetite. Risk establishes policies and guidelines for risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 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 89.10 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 77.10 Td (Company) Tj ET Q q 0 0 0 rg BT 74.24 77.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 65.10 Td (There is an independent Chief Risk Of) Tj ET Q q 0 0 0 rg BT 208.22 65.10 Td (ficer for each of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 53.10 Td (s consumer) Tj ET Q q 0 0 0 rg BT 98.65 53.10 Td (, commercial and corporate lending businesses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 352.06 749.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.28 749.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 388.72 749.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.72 749.10 Td ( \(Business CROs\). Each of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (Business CROs reports directly to Citi) Tj ET Q q 0 0 0 rg BT 480.39 737.10 Td (s Chief Risk Of) Tj ET Q q 0 0 0 rg BT 542.71 737.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 560.47 737.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (The Business CROs are the focal point for most day-to-day ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (risk decisions, such as setting risk limits and approving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (transactions within the businesses. In addition there are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (Regional and Legal Entity Chief Risk Of) Tj ET Q q 0 0 0 rg BT 487.68 689.10 Td (ficers. ) Tj ET Q q 0 0 0 rg BT 514.70 689.10 Td (There are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (independent Chief Risk Of) Tj ET Q q 0 0 0 rg BT 431.30 677.10 Td (ficers for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 470.17 677.10 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.95 677.10 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 492.95 677.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.60 677.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 539.04 677.10 Td (Latin ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.88 665.10 Td (, including Mexico \(Regional CROs\). Each of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Regional CROs reports directly to Citi) Tj ET Q q 0 0 0 rg BT 480.93 653.10 Td (s Chief Risk Of) Tj ET Q q 0 0 0 rg BT 543.25 653.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 561.01 653.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (The Regional CROs are accountable for overseeing the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (management of all risks in their geographic areas and across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (businesses, and are the primary risk contacts for the Regional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (Chief Executive Of) Tj ET Q q 0 0 0 rg BT 401.57 605.10 Td (ficers and local regulators. Legal Entity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Chief Risk Of) Tj ET Q q 0 0 0 rg BT 379.93 593.10 Td (ficers are responsible for identifying and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (managing risks in Citibank as well as other specific legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (entities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 557.10 Td (The Citi Chief Risk Of) Tj ET Q q 0 0 0 rg BT 433.48 557.10 Td (ficer reports to the Citigroup CEO ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (and the Risk Management Committee of the Citigroup Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (of Directors. ) Tj ET Q q 0 0 0 rg BT 376.86 533.10 Td (The Chief Risk Of) Tj ET Q q 0 0 0 rg BT 450.83 533.10 Td (ficer has regular and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (unrestricted access to the Risk Management Committee of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (Board and also to the Citigroup Board of Directors to address ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (risks and issues identified through Risk) Tj ET Q q 0 0 0 rg BT 484.27 497.10 Td (s activities.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (Independent Compliance Risk Management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (The Independent Compliance Risk Management \(ICRM\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (or) Tj ET Q q 0 0 0 rg BT 332.15 449.10 Td (ganization is designed to protect Citi by overseeing senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (management, the businesses and other control functions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (managing compliance risk, as well as promoting business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (conduct and activity that is consistent with Citi) Tj ET Q q 0 0 0 rg BT 514.81 413.10 Td (s mission and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (value proposition. Citi) Tj ET Q q 0 0 0 rg BT 416.50 401.10 Td (s objective is to embed an enterprise-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (wide compliance risk management framework and culture that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (identifies, measures, monitors, mitigates and controls ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (compliance risk across the three lines of defense. For further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (information on Citi) Tj ET Q q 0 0 0 rg BT 404.00 353.10 Td (s compliance risk framework, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (Compliance Risk below) Tj ET Q q 0 0 0 rg BT 428.33 341.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 329.10 Td (The Chief Compliance Of) Tj ET Q q 0 0 0 rg BT 445.96 329.10 Td (ficer reports to the Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (CEO and has regular and unrestricted access to the committees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (of the Citigroup Board of Directors, including the ) Tj ET Q q 0 0 0 rg BT 524.80 305.10 Td (Audit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (Committee and the Ethics and Culture Committee.) 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For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (select activities HR also acts in a first line capacity and is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (subject to appropriate review and challenge by second line ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (functions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 77.10 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 324.00 65.10 Td (CEO and interacts regularly with the Personnel and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (Compensation Committee of the Citigroup Board of Directors.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 573.90 Td (Credit risk also arises from settlement and clearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 561.90 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 36.00 549.90 Td (its counter) Tj ET Q q 0 0 0 rg BT 77.73 549.90 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 36.00 537.90 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 36.00 525.90 Td (risk associated with having credit exposure concentrated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 513.90 Td (within a specific client, industry) Tj ET Q q 0 0 0 rg BT 163.93 513.90 Td (, region or other category) Tj ET Q q 0 0 0 rg BT 264.63 513.90 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 501.90 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 36.00 489.90 Td (an institution. For additional information, see Risk Factors) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 477.90 Td (Credit Risk above. ) Tj ET Q q 0 0 0 rg BT 117.10 477.90 Td (As a result, Citi has a well-established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 465.90 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 36.00 453.90 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 83.04 453.90 Td (This includes a defined risk appetite, credit limits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 441.90 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 36.00 429.90 Td (Company-wide level. Citi) Tj ET Q q 0 0 0 rg BT 142.37 429.90 Td (s credit risk management also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 417.90 Td (includes processes and policies with respect to problem ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 405.90 Td (recognition, including watch lists, portfolio reviews, stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 393.90 Td (tests, updated risk ratings and classification triggers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 381.90 Td (W) Tj ET Q q 0 0 0 rg BT 63.04 381.90 Td (ith respect to Citi) Tj ET Q q 0 0 0 rg BT 134.97 381.90 Td (s settlement and clearing activities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 369.90 Td (intraday client usage of lines is monitored against limits, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 357.90 Td (well as against usage patterns. ) Tj ET Q q 0 0 0 rg BT 159.12 357.90 Td (T) Tj ET Q q 0 0 0 rg BT 164.53 357.90 Td (o the extent a problem ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 345.90 Td (develops, Citi typically moves the client to a secured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 333.90 Td (\(collateralized\) operating model. Generally) Tj ET Q q 0 0 0 rg BT 208.05 333.90 Td (, Citi) Tj ET Q q 0 0 0 rg BT 230.83 333.90 Td (s intraday ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 321.90 Td (settlement and clearing lines are uncommitted and cancelable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 309.90 Td (at any time.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 297.90 Td (T) Tj ET Q q 0 0 0 rg BT 59.41 297.90 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 36.00 285.90 Td (has in place a correlation framework consisting of industry ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 273.90 Td (limits, an idiosyncratic framework consisting of single name ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 261.90 Td (concentrations for each business and across Citigroup and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 249.90 Td (specialized framework consisting of product limits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 237.90 Td (Credit exposures are generally reported in notional terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 225.90 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 36.00 213.90 Td (well as loan and other of) Tj ET Q q 0 0 0 rg BT 134.40 213.90 Td (f-balance sheet commitments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 201.90 Td (carried on the Consolidated Balance Sheet. Credit exposure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 189.90 Td (arising from capital markets activities is generally expressed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 177.90 Td (as the current mark-to-market, net of mar) Tj ET Q q 0 0 0 rg BT 201.02 177.90 Td (gin, reflecting the net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 165.90 Td (value owed to Citi by a given counterparty) Tj ET Q q 0 0 0 rg BT 206.14 165.90 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 153.90 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 36.00 141.90 Td (function of the idiosyncratic creditworthiness of the obligor) Tj ET Q q 0 0 0 rg BT 274.15 141.90 Td (, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 129.90 Td (well as the terms and conditions of the specific obligation. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 117.90 Td (assesses the credit risk associated with its credit exposures on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 105.90 Td (a regular basis through its loan loss reserve process \(see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 93.90 Td (Significant ) Tj ET Q q 0 0 0 rg BT 86.27 93.90 Td (Accounting Policies and Significant Estimates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 81.90 Td (Allowance for Credit Losses below and Notes 1 and 15 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 69.90 Td (Consolidated Financial Statements\), as well as through regular ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 57.90 Td (stress testing at the company) Tj ET Q q 0 0 0 rg BT 150.33 57.90 Td (, business, geography and product ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 723.90 Td (levels. ) Tj ET Q q 0 0 0 rg BT 352.14 723.90 Td (These stress-testing processes typically estimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 711.90 Td (potential incremental credit costs that would occur as a result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 699.90 Td (of either downgrades in the credit quality or defaults of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 687.90 Td (obligors or counterparties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 675.90 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 480.88 675.90 Td (s credit risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 663.90 Td (management, see Note 14 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 651.90 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 (64) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Consumer) Tj ET Q q 0 0 0 rg BT 80.26 749.25 Td ( Cr) Tj ET Q q 0 0 0 rg BT 94.24 749.25 Td (edit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Citi provides traditional retail banking, including commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (banking, and credit card products in 19 countries and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (jurisdictions through ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 121.55 713.25 Td (North ) Tj ET Q q 0 0 0 rg BT 147.21 713.25 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.59 713.25 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 208.59 713.25 Td (Latin ) Tj ET Q q 0 0 0 rg BT 232.03 713.25 Td (America ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (GCB) 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 /F3 10.00 Tf ET q 0 0 0 rg BT 75.44 701.25 Td (Asia GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.72 701.25 Td (. ) Tj ET Q q 0 0 0 rg BT 120.54 701.25 Td (The retail banking products include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (consumer mortgages, home equity) Tj ET Q q 0 0 0 rg BT 173.09 689.25 Td (, personal and commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (loans and lines of credit and similar related products with a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (focus on lending to prime customers. Citi uses its risk appetite ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (framework to define its lending parameters. In addition, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (uses proprietary scoring models for new customer approvals. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 629.25 Td (As stated in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 108.16 629.25 Td (Global Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.37 629.25 Td ( above, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 251.19 629.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.19 629.25 Td () Tj ET Q q 0 0 0 rg BT 273.97 629.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (overall strategy is to leverage Citi) Tj ET Q q 0 0 0 rg BT 174.01 617.25 Td (s global footprint and be the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (pre-eminent bank for the af) Tj ET Q q 0 0 0 rg BT 145.21 605.25 Td (fluent and emer) Tj ET Q q 0 0 0 rg BT 207.78 605.25 Td (ging af) Tj ET Q q 0 0 0 rg BT 235.65 605.25 Td (fluent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (consumers in lar) Tj ET Q q 0 0 0 rg BT 101.91 593.25 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 36.00 581.25 Td (retail markets \(including commercial banking\), Citi serves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (customers in a somewhat broader set of segments and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (geographies. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 89.32 557.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.32 557.25 Td () Tj ET Q q 0 0 0 rg BT 112.09 557.25 Td (s commercial banking business primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (focuses on small to mid-size businesses and also serves lar) Tj ET Q q 0 0 0 rg BT 270.49 545.25 Td (ger ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (middle market companies in certain regions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (Consumer) Tj ET Q q 0 0 0 rg BT 80.26 509.25 Td ( Cr) Tj ET Q q 0 0 0 rg BT 94.24 509.25 Td (edit Portfolio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (The following table shows Citi) Tj ET Q q 0 0 0 rg BT 162.66 497.25 Td (s quarterly end-of-period consumer loans:) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 330.38 501.78 Td (\(1\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 471.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 471.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 471.75 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 471.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 471.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 471.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 441.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 441.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 441.75 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 441.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 441.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 441.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 411.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 411.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 411.75 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 411.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 411.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 411.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 381.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 381.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 381.75 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 381.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 381.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 381.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 351.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 351.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 351.75 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 351.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 351.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 351.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 321.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 321.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 321.75 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 321.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 321.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 321.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 291.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 291.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 291.75 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 291.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 291.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 291.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 261.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 261.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 261.75 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 261.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 261.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 261.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 231.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 231.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 231.75 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 231.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 231.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 231.75 74.00 -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 36.5 471.75 m 207.5 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 471.75 m 281.5 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 471.75 m 354.5 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 471.75 m 428.5 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 471.75 m 502.5 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 471.75 m 576.5 471.75 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 207.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 411.75 m 281.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 411.75 m 354.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 411.75 m 428.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 411.75 m 502.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 411.75 m 576.5 411.75 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 207.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 411.75 m 281.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 396.75 m 281.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 411.75 m 354.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 396.75 m 354.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 411.75 m 428.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 396.75 m 428.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 411.75 m 502.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 396.75 m 502.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 411.75 m 576.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 396.75 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 36.5 351.75 m 207.5 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 351.75 m 281.5 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 351.75 m 354.5 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 351.75 m 428.5 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 351.75 m 502.5 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 351.75 m 576.5 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 336.75 m 207.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 351.75 m 281.5 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 336.75 m 281.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 351.75 m 354.5 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 336.75 m 354.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 351.75 m 428.5 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 336.75 m 428.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 351.75 m 502.5 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 336.75 m 502.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 351.75 m 576.5 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 336.75 m 576.5 336.75 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 207.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 336.75 m 281.5 336.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 321.75 m 281.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 336.75 m 354.5 336.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 321.75 m 354.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 336.75 m 428.5 336.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 321.75 m 428.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 336.75 m 502.5 336.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 321.75 m 502.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 336.75 m 576.5 336.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 321.75 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 36.5 261.75 m 207.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 261.75 m 281.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 261.75 m 354.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 261.75 m 428.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 261.75 m 502.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 261.75 m 576.5 261.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 246.75 m 207.5 246.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 246.75 m 281.5 246.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 246.75 m 354.5 246.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 246.75 m 428.5 246.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 246.75 m 502.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 261.75 m 576.5 261.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 246.75 m 576.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 231.75 m 207.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 231.75 m 281.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 231.75 m 354.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 231.75 m 428.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 231.75 m 502.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 231.75 m 576.5 231.75 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 207.5 231.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 216.75 m 207.5 216.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 231.75 m 281.5 231.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 216.75 m 281.5 216.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 231.75 m 354.5 231.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 216.75 m 354.5 216.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 231.75 m 428.5 231.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 216.75 m 428.5 216.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 231.75 m 502.5 231.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 216.75 m 502.5 216.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 231.75 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 502.5 216.75 m 576.5 216.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 476.00 Td (In billions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.50 476.21 Td (4Q17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 476.21 Td (1Q18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 476.21 Td (2Q18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.50 476.21 Td (3Q18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.25 476.20 Td (4Q18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 461.20 Td (Retail banking:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 446.21 Td (Mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 446.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 446.21 Td (81.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 446.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.75 446.21 Td (82.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 446.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.75 446.21 Td (80.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 446.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 446.21 Td (80.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 446.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.25 446.20 Td (80.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 431.21 Td (Commercial banking) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 431.21 Td (36.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.75 431.21 Td (36.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.75 431.21 Td (36.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 431.21 Td (37.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.25 431.20 Td (36.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 416.21 Td (Personal and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 416.21 Td (27.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.75 416.21 Td (28.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.75 416.21 Td (28.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 416.21 Td (28.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.25 416.20 Td (28.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 401.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 401.20 Td (otal r) Tj ET Q q 0 0 0 rg BT 64.84 401.20 Td (etail banking) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 401.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 401.21 Td (145.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 401.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.25 401.21 Td (147.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 401.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.25 401.21 Td (145.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 401.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 401.21 Td (146.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 401.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.75 401.20 Td (145.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 386.20 Td (Cards:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 371.21 Td (Citi-branded cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 371.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 371.21 Td (1) Tj ET Q q 0 0 0 rg BT 257.75 371.21 Td (15.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 371.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.25 371.21 Td (1) Tj ET Q q 0 0 0 rg BT 330.75 371.21 Td (10.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 371.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.25 371.21 Td (1) Tj ET Q q 0 0 0 rg BT 404.75 371.21 Td (12.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 371.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 371.21 Td (1) Tj ET Q q 0 0 0 rg BT 478.75 371.21 Td (12.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 371.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.75 371.20 Td (1) Tj ET Q q 0 0 0 rg BT 551.25 371.20 Td (16.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 356.21 Td (Citi retail services) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 356.21 Td (49.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.75 356.21 Td (46.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.75 356.21 Td (48.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 356.21 Td (49.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.25 356.20 Td (52.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 341.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 341.20 Td (otal cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 341.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 341.21 Td (164.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 341.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.25 341.21 Td (156.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 341.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.25 341.21 Td (160.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 341.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 341.21 Td (162.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 341.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.75 341.20 Td (169.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 326.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 326.20 Td (otal ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 60.92 326.20 Td (GCB) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 326.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 326.21 Td (310.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 326.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.25 326.21 Td (304.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 326.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.25 326.21 Td (306.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 326.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 326.21 Td (309.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 326.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.75 326.20 Td (315.2) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 311.20 Td (GCB) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 57.51 311.20 Td ( r) Tj ET Q q 0 0 0 rg BT 63.59 311.20 Td (egional distribution:) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 296.20 Td (North ) Tj ET Q q 0 0 0 rg BT 68.17 296.20 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 296.21 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 296.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 296.21 Td (61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 296.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 296.21 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 296.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 296.21 Td (62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 296.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 296.20 Td (64) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 296.20 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 281.20 Td (Latin ) Tj ET Q q 0 0 0 rg BT 66.09 281.20 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 281.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.00 281.21 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.00 281.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 281.21 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.50 281.20 Td (8) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 266.20 Td (Asia) Tj ET Q BT /F3 9.00 Tf ET BT /F3 5.85 Tf ET q 0 0 0 rg BT 61.00 270.28 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 266.21 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 266.21 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 266.21 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 266.21 Td (29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 266.20 Td (28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 251.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 251.20 Td (otal ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 60.92 251.20 Td (GCB) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.00 251.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 251.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 251.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 251.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 251.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 251.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 251.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 251.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.50 251.20 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 251.20 Td (%) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 236.20 Td (Corporate/Other) Tj ET Q BT /F4 9.00 Tf ET BT /F4 5.85 Tf ET q 0 0 0 rg BT 100.51 240.28 Td (\(3) Tj ET Q BT /F3 9.00 Tf ET BT /F3 5.85 Tf ET q 0 0 0 rg BT 105.38 240.28 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 236.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 236.21 Td (22.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 236.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.75 236.21 Td (21.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 236.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.75 236.21 Td (17.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 236.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 236.21 Td (16.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 236.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.25 236.20 Td (15.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 221.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 221.20 Td (otal consumer) Tj ET Q q 0 0 0 rg BT 98.26 221.20 Td ( loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 221.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 221.21 Td (333.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 221.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.25 221.21 Td (325.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 221.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.25 221.21 Td (323.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 221.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 221.21 Td (325.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 221.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.75 221.20 Td (330.5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 198.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 198.05 Td (End-of-period loans include interest and fees on credit cards.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 188.45 Td (\(2\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 188.45 Td (Asia) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.22 188.45 Td ( includes loans and leases in certain ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 184.41 188.45 Td (EMEA) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 205.73 188.45 Td ( countries for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 178.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 178.85 Td (Primarily consists of legacy ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 145.09 178.85 Td (North ) Tj ET Q q 0 0 0 rg BT 165.62 178.85 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 192.72 178.85 Td ( consumer mortgages.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 154.85 Td (For information on changes to Citi) Tj ET Q q 0 0 0 rg BT 198.37 154.85 Td (s end-of-period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.85 Td (consumer loans, see Liquidity RiskLoans below) Tj ET Q q 0 0 0 rg BT 246.42 142.85 Td (.) Tj ET Q endstream endobj 131 0 obj <> endobj 132 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (65) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Overall Consumer Credit T) Tj ET Q q 0 0 0 rg BT 148.13 749.25 Td (rends) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The following charts show the quarterly trends in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (delinquencies and net credit losses across both retail banking, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (including commercial banking, and cards for total ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 238.16 713.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.16 713.25 Td ( and by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (region. ) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 678.75 m 287.5 678.75 l s BT /F6 8.00 Tf ET q 0 0 0 rg BT 110.75 664.98 Td (Global Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 12.25 36.00 643.99 cm /I23 Do Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 92.75 36.00 546.26 cm /I24 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 35.5 535.75 m 287.5 535.75 l s BT /F6 8.00 Tf ET q 0 0 0 rg BT 123.55 521.98 Td (North ) Tj ET Q q 0 0 0 rg BT 146.80 521.98 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 12.25 36.00 500.99 cm /I25 Do Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 111.00 36.00 385.03 cm /I26 Do Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.00 361.05 Td (North ) Tj ET Q q 0 0 0 rg BT 82.66 361.05 Td (America GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.54 361.05 Td (provides mortgages, home equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 349.05 Td (loans, personal loans and commercial banking products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 337.05 Td (through Citi) Tj ET Q q 0 0 0 rg BT 87.39 337.05 Td (s retail banking network and card products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 325.05 Td (through Citi-branded cards and Citi retail services businesses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 313.05 Td (The retail bank is concentrated in six major metropolitan cities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 301.05 Td (in the United States \(for additional information on the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 289.05 Td (retail bank, see ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 103.19 289.05 Td (North ) Tj ET Q q 0 0 0 rg BT 128.85 289.05 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.22 289.05 Td ( above\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 277.05 Td (As of December 31, 2018, 72% of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 196.69 277.05 Td (North ) Tj ET Q q 0 0 0 rg BT 222.35 277.05 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.72 277.05 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 265.05 Td (consumer loans consisted of Citi-branded and Citi retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 253.05 Td (services cards, which generally drives the overall credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 241.05 Td (performance of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 99.85 241.05 Td (North ) Tj ET Q q 0 0 0 rg BT 125.51 241.05 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.89 241.05 Td ( \(for additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 229.05 Td (information on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 98.21 229.05 Td (North ) Tj ET Q q 0 0 0 rg BT 123.87 229.05 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.25 229.05 Td () Tj ET Q q 0 0 0 rg BT 183.03 229.05 Td (s cards portfolios, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 217.05 Td (including delinquency and net credit loss rates, see Credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 205.05 Td (Card ) Tj ET Q q 0 0 0 rg BT 57.76 205.05 Td (T) Tj ET Q q 0 0 0 rg BT 63.51 205.05 Td (rends below\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 193.05 Td (As shown in the chart above, the 90+ days past due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 181.05 Td (delinquency rate increased quarter) Tj ET Q q 0 0 0 rg BT 173.23 181.05 Td (-over) Tj ET Q q 0 0 0 rg BT 194.13 181.05 Td (-quarter in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 238.55 181.05 Td (North ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 169.05 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.38 169.05 Td (, primarily due to seasonality in both cards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 157.05 Td (portfolios, while the quarter) Tj ET Q q 0 0 0 rg BT 147.44 157.05 Td (-over) Tj ET Q q 0 0 0 rg BT 168.33 157.05 Td (-quarter increase in the net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 145.05 Td (credit loss rate was primarily driven by seasonality in Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 133.05 Td (retail services. ) Tj ET Q q 0 0 0 rg BT 96.07 133.05 Td (The year) Tj ET Q q 0 0 0 rg BT 131.12 133.05 Td (-over) Tj ET Q q 0 0 0 rg BT 152.02 133.05 Td (-year delinquency and net credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 121.05 Td (loss rates increased, driven by seasoning in both cards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 109.05 Td (portfolios as well as an increase in net flow rates in later ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 97.05 Td (delinquency buckets in Citi retail services.) Tj ET Q 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 /F6 8.00 Tf ET q 0 0 0 rg BT 413.65 741.73 Td (Latin ) Tj ET Q q 0 0 0 rg BT 434.69 741.73 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 12.25 324.00 720.79 cm /I27 Do Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 104.65 324.00 611.15 cm /I28 Do Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 587.15 Td (Latin ) Tj ET Q q 0 0 0 rg BT 365.44 587.15 Td (America GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.31 587.15 Td (operates in Mexico through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 575.15 Td (Citibanamex, one of Mexico) Tj ET Q q 0 0 0 rg BT 441.19 575.15 Td (s lar) Tj ET Q q 0 0 0 rg BT 457.95 575.15 Td (gest banks, and provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 563.15 Td (credit cards, consumer mortgages, personal loans and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 551.15 Td (commercial banking products. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 447.85 551.15 Td (Latin ) Tj ET Q q 0 0 0 rg BT 471.29 551.15 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.67 551.15 Td ( serves a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 539.15 Td (more mass market segment in Mexico and focuses on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 527.15 Td (developing multi-product relationships with customers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 515.15 Td (As shown in the chart above, the quarter) Tj ET Q q 0 0 0 rg BT 503.42 515.15 Td (-over) Tj ET Q q 0 0 0 rg BT 524.31 515.15 Td (-quarter 90+ ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 503.15 Td (days past due delinquency rate increased in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 499.77 503.15 Td (Latin ) Tj ET Q q 0 0 0 rg BT 523.20 503.15 Td (America ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 491.15 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 491.15 Td (, mostly driven by seasonality in the cards portfolio. ) Tj ET Q q 0 0 0 rg BT 554.62 491.15 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 479.15 Td (quarter) Tj ET Q q 0 0 0 rg BT 352.12 479.15 Td (-over) Tj ET Q q 0 0 0 rg BT 373.01 479.15 Td (-quarter net credit loss rate decreased, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 467.15 Td (reflecting the absence of an episodic char) Tj ET Q q 0 0 0 rg BT 489.29 467.15 Td (ge-of) Tj ET Q q 0 0 0 rg BT 510.21 467.15 Td (f in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 455.15 Td (commercial portfolio in the prior quarter) Tj ET Q q 0 0 0 rg BT 485.89 455.15 Td (. ) Tj ET Q q 0 0 0 rg BT 490.71 455.15 Td (The year) Tj ET Q q 0 0 0 rg BT 525.76 455.15 Td (-over) Tj ET Q q 0 0 0 rg BT 546.66 455.15 Td (-year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 443.15 Td (delinquency and net credit loss rates increased, driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 431.15 Td (primarily by seasoning of the cards portfolio.) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 408.65 m 576.5 408.65 l s BT /F6 8.00 Tf ET q 0 0 0 rg BT 428.75 394.88 Td (Asia) Tj ET Q BT /F6 8.00 Tf ET BT /F6 5.20 Tf ET q 0 0 0 rg BT 445.65 398.69 Td (\(1\) ) Tj ET Q BT /F6 8.00 Tf ET q 0 0 0 rg BT 453.45 394.88 Td (GCB) Tj ET Q BT /F6 8.00 Tf ET BT /F6 5.20 Tf ET q 0 0 0 rg BT 471.22 398.69 Td ( ) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 12.25 324.00 373.89 cm /I29 Do Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 81.25 324.00 287.64 cm /I30 Do Q BT /F1 10.00 Tf ET BT /F3 8.00 Tf ET q 0 0 0 rg BT 324.00 268.45 Td (Asia) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.22 268.45 Td ( includes ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 368.88 268.45 Td (GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.88 268.45 Td ( activities in certain ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 449.75 268.45 Td (EMEA) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.07 268.45 Td ( countries for all periods ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 258.85 Td (presented.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 345.00 237.25 Td (Asia GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.78 237.25 Td (operates in 17 countries in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 495.81 237.25 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.58 237.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 533.02 237.25 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.68 237.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 225.25 Td (and provides credit cards, consumer mortgages, personal loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 213.25 Td (and commercial banking products.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 201.25 Td (As shown in the chart above, the 90+ days past due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 189.25 Td (delinquency rate was lar) Tj ET Q q 0 0 0 rg BT 421.28 189.25 Td (gely stable in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 477.10 189.25 Td (Asia GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.87 189.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 547.99 189.25 Td (-over) Tj ET Q q 0 0 0 rg BT 568.89 189.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 177.25 Td (quarter and year) Tj ET Q q 0 0 0 rg BT 388.76 177.25 Td (-over) Tj ET Q q 0 0 0 rg BT 409.66 177.25 Td (-year) Tj ET Q q 0 0 0 rg BT 429.64 177.25 Td (. ) Tj ET Q q 0 0 0 rg BT 434.46 177.25 Td (The net credit loss rate increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 165.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 352.12 165.25 Td (-over) Tj ET Q q 0 0 0 rg BT 373.01 165.25 Td (-quarter and year) Tj ET Q q 0 0 0 rg BT 441.10 165.25 Td (-over) Tj ET Q q 0 0 0 rg BT 462.00 165.25 Td (-year) Tj ET Q q 0 0 0 rg BT 482.14 165.25 Td (, primarily driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 153.25 Td (an episodic char) Tj ET Q q 0 0 0 rg BT 388.79 153.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 409.71 153.25 Td (f in the commercial portfolio in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 141.25 Td (fourth quarter of 2018. Overall, the strong credit profiles in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 129.25 Td (Asia GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.28 129.25 Td () Tj ET Q q 0 0 0 rg BT 367.06 129.25 Td (s tar) Tj ET Q q 0 0 0 rg BT 383.81 129.25 Td (get customer segments have resulted in stable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 117.25 Td (portfolio credit quality) Tj ET Q q 0 0 0 rg BT 413.88 117.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 105.25 Td (For additional information on cost of credit, loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 93.25 Td (delinquency and other information for Citi) Tj ET Q q 0 0 0 rg BT 497.01 93.25 Td (s consumer loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 81.25 Td (portfolios, see each respective business) Tj ET Q q 0 0 0 rg BT 483.67 81.25 Td (s results of operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 69.25 Td (above and Note 14 to the Consolidated Financial Statements.) Tj ET Q endstream endobj 133 0 obj <> endobj 134 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 /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Credit Card T) Tj ET Q q 0 0 0 rg BT 92.86 749.25 Td (rends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The following charts show the quarterly trends in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (delinquencies and net credit losses for total ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 211.22 725.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.22 725.25 Td ( cards, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 259.82 725.25 Td (North ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.88 713.25 Td ( Citi-branded cards and Citi retail services portfolios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (as well as for Citi) Tj ET Q q 0 0 0 rg BT 109.32 701.25 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 115.71 701.25 Td (Latin ) Tj ET Q q 0 0 0 rg BT 139.15 701.25 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.03 701.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 192.46 701.25 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.24 701.25 Td ( Citi-branded cards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (portfolios.) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 666.75 m 288.5 666.75 l s BT /F6 8.00 Tf ET q 0 0 0 rg BT 137.10 652.98 Td (Global Cards) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 12.25 36.00 631.99 cm /I31 Do Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 106.85 36.00 508.18 cm /I32 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 36.5 485.7 m 288.5 485.7 l s BT /F6 8.00 Tf ET q 0 0 0 rg BT 97.00 471.93 Td (North ) Tj ET Q q 0 0 0 rg BT 120.25 471.93 Td (America Citi-Branded Cards) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 12.25 36.00 450.94 cm /I33 Do Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 104.90 36.00 341.07 cm /I34 Do Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 317.05 Td (North ) Tj ET Q q 0 0 0 rg BT 79.66 317.05 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.04 317.05 Td () Tj ET Q q 0 0 0 rg BT 138.81 317.05 Td (s Citi-branded cards portfolio issues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.05 Td (proprietary and co-branded cards. ) Tj ET Q q 0 0 0 rg BT 172.88 305.05 Td (As shown in the chart ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.05 Td (above, the 90+ days past due delinquency rate in Citi-branded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.05 Td (cards increased quarter) Tj ET Q q 0 0 0 rg BT 127.97 281.05 Td (-over) Tj ET Q q 0 0 0 rg BT 148.87 281.05 Td (-quarter due to seasonality) Tj ET Q q 0 0 0 rg BT 254.01 281.05 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.05 Td (was relatively stable year) Tj ET Q q 0 0 0 rg BT 137.14 269.05 Td (-over) Tj ET Q q 0 0 0 rg BT 158.04 269.05 Td (-year) Tj ET Q q 0 0 0 rg BT 178.03 269.05 Td (. ) Tj ET Q q 0 0 0 rg BT 182.85 269.05 Td (The net credit loss rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.05 Td (was relatively stable quarter) Tj ET Q q 0 0 0 rg BT 148.25 257.05 Td (-over) Tj ET Q q 0 0 0 rg BT 169.15 257.05 Td (-quarter) Tj ET Q q 0 0 0 rg BT 200.39 257.05 Td (, while the net credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.05 Td (loss rate increased year) Tj ET Q q 0 0 0 rg BT 128.81 245.05 Td (-over) Tj ET Q q 0 0 0 rg BT 149.71 245.05 Td (-year due to seasoning of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.05 Td (portfolio as well as the impact of higher asset sales in the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.05 Td (year) Tj ET Q q 0 0 0 rg BT 52.66 221.05 Td (.) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 755.5 m 576.5 755.5 l s BT /F6 8.00 Tf ET q 0 0 0 rg BT 385.45 741.73 Td (North ) Tj ET Q q 0 0 0 rg BT 408.70 741.73 Td (America Citi Retail Services) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 12.25 324.00 720.79 cm /I35 Do Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 130.15 324.00 585.62 cm /I36 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 549.60 Td (Citi retail services partners directly with more than 20 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 537.60 Td (retailers and dealers to of) Tj ET Q q 0 0 0 rg BT 424.88 537.60 Td (fer private label and co-branded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 525.60 Td (consumer and commercial cards. Citi retail services) Tj ET Q q 0 0 0 rg BT 533.45 525.60 Td ( tar) Tj ET Q q 0 0 0 rg BT 546.32 525.60 Td (get ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 513.60 Td (market is focused on select industry segments such as home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 501.60 Td (improvement, specialty retail, consumer electronics and fuel. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 489.60 Td (Citi retail services continually evaluates opportunities to add ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 477.60 Td (partners within tar) Tj ET Q q 0 0 0 rg BT 397.13 477.60 Td (get industries that have strong loyalty) Tj ET Q q 0 0 0 rg BT 546.73 477.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 465.60 Td (lending or payment programs and growth potential.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 453.60 Td (As shown in the chart above, Citi retail services) Tj ET Q q 0 0 0 rg BT 535.93 453.60 Td ( 90+ days ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 441.60 Td (past due delinquency and net credit loss rates increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 429.60 Td (quarter) Tj ET Q q 0 0 0 rg BT 352.12 429.60 Td (-over) Tj ET Q q 0 0 0 rg BT 373.01 429.60 Td (-quarter) Tj ET Q q 0 0 0 rg BT 404.26 429.60 Td (, driven by seasonality as well as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 417.60 Td (business beginning to incur losses in a recently acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 405.60 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 363.81 405.60 Td (The year) Tj ET Q q 0 0 0 rg BT 398.87 405.60 Td (-over) Tj ET Q q 0 0 0 rg BT 419.77 405.60 Td (-year increase in the delinquency rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 393.60 Td (was primarily driven by seasoning and an increase in net flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 381.60 Td (rates in later delinquency buckets. On this basis, the net credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 369.60 Td (loss rate modestly decreased, as the impact of the recently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 357.60 Td (acquired portfolios was partially of) Tj ET Q q 0 0 0 rg BT 464.33 357.60 Td (fset by seasoning as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 345.60 Td (an increase in net flow rates in later delinquency buckets.) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 323.1 m 576.5 323.1 l s BT /F6 8.00 Tf ET q 0 0 0 rg BT 386.10 310.33 Td (Latin ) Tj ET Q q 0 0 0 rg BT 407.14 310.33 Td (America Citi-Branded Cards) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 12.25 324.00 289.39 cm /I37 Do Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 131.15 324.00 153.24 cm /I38 Do Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 141.25 Td (Latin ) Tj ET Q q 0 0 0 rg BT 365.44 141.25 Td (America GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.31 141.25 Td (issues proprietary and co-branded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 129.25 Td (cards. ) Tj ET Q q 0 0 0 rg BT 349.55 129.25 Td (As shown in the chart above, the quarter) Tj ET Q q 0 0 0 rg BT 510.96 129.25 Td (-over) Tj ET Q q 0 0 0 rg BT 531.86 129.25 Td (-quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 117.25 Td (90+ days past due delinquency rate increased, primarily driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 105.25 Td (by seasonality) Tj ET Q q 0 0 0 rg BT 380.28 105.25 Td (, while the net credit loss rate decreased also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 93.25 Td (driven by seasonality) Tj ET Q q 0 0 0 rg BT 408.33 93.25 Td (. ) Tj ET Q q 0 0 0 rg BT 412.96 93.25 Td (Y) Tj ET Q q 0 0 0 rg BT 419.18 93.25 Td (ear) Tj ET Q q 0 0 0 rg BT 431.19 93.25 Td (-over) Tj ET Q q 0 0 0 rg BT 452.09 93.25 Td (-year the delinquency and net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 81.25 Td (credit loss rates increased primarily due to seasoning of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 69.25 Td (portfolio.) Tj ET Q endstream endobj 135 0 obj <> endobj 136 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (67) 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 /F6 8.00 Tf ET q 0 0 0 rg BT 112.80 741.73 Td (Asia Citi-Branded Cards) Tj ET Q BT /F6 8.00 Tf ET BT /F6 5.20 Tf ET q 0 0 0 rg BT 204.82 745.54 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 12.25 36.00 720.79 cm /I39 Do Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 86.60 36.00 629.17 cm /I40 Do Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 607.55 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 72.00 607.55 Td (Asia) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 86.22 607.55 Td ( includes loans and leases in certain ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 202.41 607.55 Td (EMEA) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 223.73 607.55 Td ( countries for all ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 72.00 597.95 Td (periods presented.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.00 573.95 Td (Asia GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.78 573.95 Td (issues proprietary and co-branded cards. ) Tj ET Q q 0 0 0 rg BT 263.05 573.95 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 561.95 Td (shown in the chart above, the 90+ days past due delinquency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 549.95 Td (rate remained broadly stable quarter) Tj ET Q q 0 0 0 rg BT 180.17 549.95 Td (-over) Tj ET Q q 0 0 0 rg BT 201.07 549.95 Td (-quarter and year) Tj ET Q q 0 0 0 rg BT 269.16 549.95 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 537.95 Td (over) Tj ET Q q 0 0 0 rg BT 53.57 537.95 Td (-year) Tj ET Q q 0 0 0 rg BT 73.71 537.95 Td (, driven by the mature and well-diversified cards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 525.95 Td (portfolios. ) Tj ET Q q 0 0 0 rg BT 79.71 525.95 Td (The net credit loss rate decreased quarter) Tj ET Q q 0 0 0 rg BT 243.31 525.95 Td (-over) Tj ET Q q 0 0 0 rg BT 264.21 525.95 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 513.95 Td (quarter) Tj ET Q q 0 0 0 rg BT 63.92 513.95 Td (, as the prior quarter reflected a higher rate due to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 501.95 Td (conversion of an acquired portfolio in ) Tj ET Q q 0 0 0 rg BT 189.29 501.95 Td (Australia, while the net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 489.95 Td (credit loss rate was broadly stable year) Tj ET Q q 0 0 0 rg BT 190.74 489.95 Td (-over) Tj ET Q q 0 0 0 rg BT 211.64 489.95 Td (-year) Tj ET Q q 0 0 0 rg BT 231.63 489.95 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 477.95 Td (For additional information on cost of credit, delinquency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 465.95 Td (and other information for Citi) Tj ET Q q 0 0 0 rg BT 157.64 465.95 Td (s cards portfolios, see each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 453.95 Td (respective business) Tj ET Q q 0 0 0 rg BT 115.70 453.95 Td (s results of operations above and Note 14 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 441.95 Td (to the Consolidated Financial Statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (North ) Tj ET Q q 0 0 0 rg BT 350.58 749.25 Td (America Cards FICO Distribution) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (The following tables show the current FICO score ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (distributions for Citi) Tj ET Q q 0 0 0 rg BT 408.45 725.25 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 414.84 725.25 Td (North ) Tj ET Q q 0 0 0 rg BT 440.50 725.25 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.38 725.25 Td ( Citi-branded cards and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (Citi retail services portfolios based on end-of-period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (receivables. FICO scores are updated monthly for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (substantially all of the portfolio and on a quarterly basis for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (the remaining portfolio.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (Citi-Branded) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 611.75 99.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 611.75 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 611.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 611.75 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 581.75 99.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 581.75 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 581.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 581.75 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 324.5 611.75 m 423.5 611.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 611.75 m 474.5 611.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 611.75 m 523.5 611.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 611.75 m 576.5 611.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 566.75 m 423.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 566.75 m 474.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 566.75 m 523.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 566.75 m 576.5 566.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 551.75 m 423.5 551.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 551.75 m 474.5 551.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 551.75 m 523.5 551.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 551.75 m 576.5 551.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 616.20 Td (FICO distribution) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.50 622.15 Td (Dec 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 613.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.60 622.01 Td (Sept. 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 613.06 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 622.01 Td (Dec 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.50 613.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 601.21 Td ( > 760) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 601.20 Td (43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 601.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.50 601.21 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.50 601.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 601.21 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 601.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 586.21 Td ( 680760) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 586.20 Td (40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.50 586.21 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 586.21 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 571.21 Td ( < 680) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 571.20 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.50 571.21 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 571.21 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 556.20 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 556.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 556.20 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 556.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 556.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.50 556.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 556.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 556.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 528.25 Td (Citi Retail Services) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 493.75 101.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 493.75 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 493.75 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 493.75 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 463.75 101.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 463.75 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 463.75 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 463.75 51.00 -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 324.5 493.75 m 425.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 493.75 m 475.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 493.75 m 525.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 493.75 m 576.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 448.75 m 425.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 448.75 m 475.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 448.75 m 525.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 448.75 m 576.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 448.75 m 425.5 448.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 433.75 m 425.5 433.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 433.75 m 475.5 433.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 433.75 m 525.5 433.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 433.75 m 576.5 433.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 498.20 Td (FICO distribution) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 507.20 Td (Dec 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 498.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.10 507.21 Td (Sept. 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 498.21 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 507.21 Td (Dec 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 498.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 483.21 Td ( > 760) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 483.20 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 483.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 483.21 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 483.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 483.21 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 483.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 468.21 Td ( 680760) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 468.20 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 468.21 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 468.21 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 453.21 Td ( < 680) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 453.20 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 453.21 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 453.21 Td (33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 438.20 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 438.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 438.20 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 438.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 438.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 438.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 438.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 438.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 412.65 Td (Both the Citi-branded cards) Tj ET Q q 0 0 0 rg BT 458.39 412.65 Td ( and Citi retail services) Tj ET Q q 0 0 0 rg BT 553.17 412.65 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 400.65 Td (cards FICO distributions remained stable as of year) Tj ET Q q 0 0 0 rg BT 529.58 400.65 Td (-end 2018.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 388.65 Td (For additional information on FICO scores, see Note 14 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 376.65 Td (to the Consolidated Financial Statements.) 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 (68) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Additional Consumer) Tj ET Q q 0 0 0 rg BT 128.33 749.25 Td ( Cr) Tj ET Q q 0 0 0 rg BT 142.31 749.25 Td (edit Details) 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 36.50 635.75 142.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 635.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.50 635.75 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 635.75 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 635.75 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 635.75 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 635.75 57.00 -13.00 re f /GS0 gs 0.8 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gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 492.75 m 405.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 492.75 m 462.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 492.75 m 519.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 492.75 m 576.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 492.75 m 234.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 492.75 m 405.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 479.75 m 234.5 466.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 479.75 m 405.5 466.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 466.75 m 234.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 466.75 m 405.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 453.75 m 234.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 453.75 m 405.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 440.75 m 234.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 440.75 m 405.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 427.75 m 234.5 414.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 427.75 m 405.5 414.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 414.75 m 234.5 401.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 414.75 m 405.5 401.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 401.75 m 234.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 401.75 m 405.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 388.75 m 234.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 388.75 m 405.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 375.75 m 234.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 375.75 m 405.5 362.75 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 178.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 362.75 m 234.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 349.75 m 234.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 349.75 m 291.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 349.75 m 348.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 362.75 m 405.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 349.75 m 405.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 349.75 m 462.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 349.75 m 519.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 349.75 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 234.5 349.75 m 234.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 349.75 m 405.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 336.75 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 234.5 336.75 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 405.5 336.75 m 405.5 323.75 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 234.5 310.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 323.75 m 405.5 310.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 310.75 m 234.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 310.75 m 405.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 297.75 m 234.5 284.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 297.75 m 405.5 284.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 284.75 m 234.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 284.75 m 405.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 258.75 m 178.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 271.75 m 234.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 258.75 m 234.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 258.75 m 291.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 258.75 m 348.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 271.75 m 405.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 258.75 m 405.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 258.75 m 462.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 258.75 m 519.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 258.75 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 234.5 258.75 m 234.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 258.75 m 234.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 258.75 m 348.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 258.75 m 405.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 258.75 m 405.5 258.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 232.75 m 178.5 232.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 245.75 m 234.5 232.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 232.75 m 234.5 232.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 232.75 m 291.5 232.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 232.75 m 348.5 232.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 245.75 m 405.5 232.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 232.75 m 405.5 232.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 232.75 m 462.5 232.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 232.75 m 519.5 232.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 232.75 m 576.5 232.75 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 196.95 705.20 Td (EOP) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.55 696.20 Td (loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 212.56 700.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.85 696.20 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 350.25 700.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.70 696.20 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 525.47 700.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.55 683.15 Td (December) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.35 674.15 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.30 674.20 Td (December) Tj ET Q q 0 0 0 rg BT 332.19 674.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.30 674.20 Td (December) Tj ET Q q 0 0 0 rg BT 503.19 674.20 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 661.00 Td (In millions of dollars, except EOP) Tj ET Q q 0 0 0 rg BT 148.17 661.00 Td ( loan) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 653.00 Td (amounts in billions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.00 653.20 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.50 653.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 653.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 653.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.50 653.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 653.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 653.21 Td (2016) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 640.15 Td (Global Consumer Banking) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 139.03 644.23 Td (\(3\)\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 627.01 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 627.01 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.00 627.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.75 627.15 Td (315.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.00 627.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.75 627.15 Td (2,619) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 627.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 627.01 Td (2,478) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 627.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.25 627.01 Td (2,293) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 627.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 627.15 Td (2,902) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 627.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.25 627.01 Td (2,762) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 627.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 627.01 Td (2,540) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 614.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 614.15 Td (0.83) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 614.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 614.01 Td (0.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 614.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 614.01 Td (0.79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 614.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 614.15 Td (0.92) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 614.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 614.01 Td (0.89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 614.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 614.01 Td (0.87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 614.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 601.15 Td (Retail banking) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 588.01 Td (T) Tj ET Q q 0 0 0 rg BT 50.18 588.01 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.00 588.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.75 588.15 Td (145.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.00 588.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 588.15 Td (485) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 588.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 588.01 Td (515) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 588.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 588.01 Td (474) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 588.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 588.15 Td (790) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 588.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 588.01 Td (822) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 588.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 588.01 Td (726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 575.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 575.15 Td (0.33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 575.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 575.01 Td (0.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 575.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 575.01 Td (0.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 575.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 575.15 Td (0.54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 575.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 575.01 Td (0.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 575.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 575.01 Td (0.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 575.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 562.00 Td (North ) Tj ET Q q 0 0 0 rg BT 68.17 562.00 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.25 562.15 Td (56.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 562.15 Td (180) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 562.01 Td (199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 562.01 Td (181) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 562.15 Td (282) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 562.01 Td (306) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 562.01 Td (214) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 549.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 549.15 Td (0.32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 549.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 549.01 Td (0.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 549.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 549.01 Td (0.33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 549.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 549.15 Td (0.50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 549.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 549.01 Td (0.55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 549.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 549.01 Td (0.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 549.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 536.00 Td (Latin ) Tj ET Q q 0 0 0 rg BT 66.17 536.00 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.25 536.15 Td (19.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 536.15 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 536.01 Td (130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 536.01 Td (136) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 536.15 Td (201) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 536.01 Td (195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 536.01 Td (185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 523.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 523.15 Td (0.64) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 523.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 523.01 Td (0.65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 523.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 523.01 Td (0.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 523.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 523.15 Td (1.02) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 523.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 523.01 Td (0.98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 523.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 523.01 Td (1.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 523.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 510.00 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 61.00 514.08 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.25 510.15 Td (69.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 510.15 Td (178) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 510.01 Td (186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 510.01 Td (157) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 510.15 Td (307) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 510.01 Td (321) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 510.01 Td (327) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 497.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 497.15 Td (0.26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 497.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 497.01 Td (0.27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 497.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 497.01 Td (0.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 497.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 497.15 Td (0.44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 497.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 497.01 Td (0.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 497.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 497.01 Td (0.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 497.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 484.15 Td (Cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 471.01 Td (T) Tj ET Q q 0 0 0 rg BT 50.18 471.01 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.00 471.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.75 471.15 Td (169.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.00 471.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.75 471.15 Td (2,134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 471.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 471.01 Td (1,963) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 471.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.25 471.01 Td (1,819) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 471.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 471.15 Td (2,1) Tj ET Q q 0 0 0 rg BT 444.00 471.15 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 471.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.25 471.01 Td (1,940) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 471.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 471.01 Td (1,814) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 458.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 458.15 Td (1.26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 458.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 458.01 Td (1.19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 458.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 458.01 Td (1.17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 458.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 458.15 Td (1.25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 458.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 458.01 Td (1.18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 458.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 458.01 Td (1.17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 458.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 445.00 Td (North ) Tj ET Q q 0 0 0 rg BT 68.09 445.00 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 106.58 445.00 Td (Citi-branded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.25 445.15 Td (91.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 445.15 Td (812) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 445.01 Td (768) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 445.01 Td (748) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 445.15 Td (755) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 445.01 Td (698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 445.01 Td (688) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 432.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 432.15 Td (0.88) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 432.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 432.01 Td (0.85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 432.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 432.01 Td (0.87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 432.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 432.15 Td (0.82) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 432.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 432.01 Td (0.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 432.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 432.01 Td (0.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 432.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 419.00 Td (North ) Tj ET Q q 0 0 0 rg BT 68.09 419.00 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 106.58 419.00 Td (Citi retail services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.25 419.15 Td (52.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 419.15 Td (952) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 419.01 Td (845) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 419.01 Td (761) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 419.15 Td (932) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 419.01 Td (830) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 419.01 Td (777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 406.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 406.15 Td (1.81) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 406.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 406.01 Td (1.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 406.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 406.01 Td (1.61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 406.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 406.15 Td (1.77) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 406.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 406.01 Td (1.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 406.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 406.01 Td (1.64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 406.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 393.00 Td (Latin ) Tj ET Q q 0 0 0 rg BT 66.17 393.00 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.75 393.15 Td (5.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 393.15 Td (171) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 393.01 Td (151) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 393.01 Td (130) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 393.15 Td (170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 393.01 Td (153) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 393.01 Td (125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 380.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 380.15 Td (3.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 380.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 380.01 Td (2.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 380.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 380.01 Td (2.71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 380.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 380.15 Td (2.98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 380.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 380.01 Td (2.83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 380.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 380.01 Td (2.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 380.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 367.00 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 61.00 371.08 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.25 367.15 Td (19.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 367.15 Td (199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 367.01 Td (199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 367.01 Td (180) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 367.15 Td (255) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 367.01 Td (259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 367.01 Td (224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 354.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 354.15 Td (1.03) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 354.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 354.01 Td (1.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 354.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 354.01 Td (1.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 354.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 354.15 Td (1.32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 354.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 354.01 Td (1.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 354.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 354.01 Td (1.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 354.01 Td (%) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 341.15 Td (Corporate/Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 100.51 341.15 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 149.50 345.23 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 328.01 Td (T) Tj ET Q q 0 0 0 rg BT 49.87 328.01 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.00 328.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.25 328.15 Td (15.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.00 328.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 328.15 Td (382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 328.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 328.01 Td (557) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 328.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 328.01 Td (834) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 328.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 328.15 Td (362) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 328.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 328.01 Td (542) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 328.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 328.01 Td (735) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 315.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 315.15 Td (2.62) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 315.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 315.01 Td (2.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 315.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 315.01 Td (2.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 315.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 315.15 Td (2.48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 315.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 315.01 Td (2.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 315.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 315.01 Td (2.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 315.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 302.00 Td (International) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.00 302.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 302.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 302.01 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 302.01 Td (94) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 302.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.50 302.01 Td (40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 302.01 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 289.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 289.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 289.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 289.01 Td (2.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 289.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 289.01 Td (3.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 289.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 289.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 289.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 289.01 Td (2.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 289.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 289.01 Td (2.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 289.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 276.00 Td (North ) Tj ET Q q 0 0 0 rg BT 68.09 276.00 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.25 276.15 Td (15.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.50 276.15 Td (382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 276.01 Td (514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 276.01 Td (740) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 276.15 Td (362) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 276.01 Td (502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 276.01 Td (686) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 263.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 263.15 Td (2.62) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 263.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 263.01 Td (2.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 263.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 263.01 Td (2.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 263.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 263.15 Td (2.48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 263.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 263.01 Td (2.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 263.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 263.01 Td (2.33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 263.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 250.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 250.15 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 83.75 250.15 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.00 250.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.75 250.15 Td (330.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.00 250.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.75 250.15 Td (3,001) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 250.01 Td (3,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.25 250.01 Td (3,127) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 250.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 250.15 Td (3,264) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.25 250.01 Td (3,304) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 250.01 Td (3,275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 237.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 237.15 Td (0.91) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 237.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 237.01 Td (0.91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 237.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 237.01 Td (0.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 237.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 237.15 Td (0.99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 237.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 237.01 Td (1.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 237.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 237.01 Td (1.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 237.01 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 215.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 215.65 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 36.00 206.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 206.05 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 328.36 206.05 Td ( loans, net of unearned income.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 196.45 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 196.45 Td (The 90+ days past due balances for ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 168.92 196.45 Td (North ) Tj ET Q q 0 0 0 rg BT 189.45 196.45 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 223.66 196.45 Td (Citi-branded) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 264.09 196.45 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.09 196.45 Td (and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 279.64 196.45 Td (North ) Tj ET Q q 0 0 0 rg BT 300.17 196.45 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.39 196.45 Td (Citi retail services are generally still accruing interest. Citigroup) Tj ET Q q 0 0 0 rg BT 542.10 196.45 Td (s policy is ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 186.85 Td (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 490.73 186.85 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 177.25 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 177.25 Td (The 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 294.00 177.25 Td ( North ) Tj ET Q q 0 0 0 rg BT 316.53 177.25 Td (America GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.63 177.25 Td ( exclude U.S. mortgage loans that are guaranteed by U.S. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 167.65 Td (government-sponsored agencies since the potential loss predominantly resides within the U.S. agencies. ) Tj ET Q q 0 0 0 rg BT 388.22 167.65 Td (The amounts excluded for loans 90+ days past due and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 158.05 Td (\(EOP) Tj ET Q q 0 0 0 rg BT 71.48 158.05 Td ( loans\) were $201 million \($0.6 billion\), $298million \($0.7billion\) and $327million \($0.7billion\) at December 31, 2018, 2017 and 2016, respectively) Tj ET Q q 0 0 0 rg BT 554.44 158.05 Td (. ) Tj ET Q q 0 0 0 rg BT 558.30 158.05 Td (The ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 148.45 Td (amounts excluded for loans 3089days past due \(EOP) Tj ET Q q 0 0 0 rg BT 228.78 148.45 Td ( loans have the same adjustment as above\) were $78 million, $88million and $70million at December 31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 138.85 Td (2018, 2017 and 2016, respectively) Tj ET Q q 0 0 0 rg BT 163.68 138.85 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 129.25 Td (\(5\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 129.25 Td (Asia ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.22 129.25 Td (includes delinquencies and loans in certain ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 209.29 129.25 Td (EMEA) Tj ET Q q 0 0 0 rg BT 230.47 129.25 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 232.47 129.25 Td (countries for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 119.65 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 119.65 Td (The loans 90+ days and 3089 days past due and related ratios exclude U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 110.05 Td (potential loss predominantly resides within the U.S. agencies. ) Tj ET Q q 0 0 0 rg BT 253.15 110.05 Td (The amounts excluded for loans 90+ days past due and \(EOP) Tj ET Q q 0 0 0 rg BT 448.43 110.05 Td ( loans\) were $0.3 billion \($.07 billion\), ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 100.45 Td ($0.6 billion \($1.1billion\) and $0.9 billion \($1.4billion\) at December 31, 2018, 2017 and 2016, respectively) Tj ET Q q 0 0 0 rg BT 398.09 100.45 Td (. ) Tj ET Q q 0 0 0 rg BT 401.95 100.45 Td (The amounts excluded for loans 3089days past due ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 90.85 Td (and \(EOP) Tj ET Q q 0 0 0 rg BT 85.03 90.85 Td ( loans have the same adjustment as above\) were $0.1 billion, $0.1billion and $0.2billion at December 31, 2018, 2017 and 2016, respectively) Tj ET Q q 0 0 0 rg BT 536.85 90.85 Td (.) 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 (69) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Consumer Loan Net Credit Losses and Ratios) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 703.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 703.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 703.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 703.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 703.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 677.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 677.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 677.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 677.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 677.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 651.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 651.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 651.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 651.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 651.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 625.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 625.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 625.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 625.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 625.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 599.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 599.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 599.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 599.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 599.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 573.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 573.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 573.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 573.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 573.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 547.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 547.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 547.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 547.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 547.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 521.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 521.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 521.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 521.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 521.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 495.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 495.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 495.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 495.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 495.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 469.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 469.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 469.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 469.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 469.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 443.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 443.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 443.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 443.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 443.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 417.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 417.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 417.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 417.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 417.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 391.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 391.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 391.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 391.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 391.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 365.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 365.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 365.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 365.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 365.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 339.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 339.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 339.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 339.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 339.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 313.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 313.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 313.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 313.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 313.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 287.75 296.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 287.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 287.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 287.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 287.75 61.00 -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 332.5 717.75 m 393.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 717.75 m 454.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 717.75 m 515.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 717.75 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 36.5 703.75 m 332.5 703.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 703.75 m 393.5 703.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 717.75 m 454.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 703.75 m 454.5 703.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 717.75 m 515.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 703.75 m 515.5 703.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 717.75 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 515.5 703.75 m 576.5 703.75 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 332.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 664.75 m 515.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 664.75 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 332.5 664.75 m 393.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 664.75 m 454.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 664.75 m 515.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 664.75 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 36.5 547.75 m 332.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 547.75 m 393.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 547.75 m 454.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 547.75 m 515.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 547.75 m 576.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 404.75 m 332.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 404.75 m 393.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 404.75 m 454.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 404.75 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 515.5 404.75 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 36.5 300.75 m 332.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 300.75 m 393.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 300.75 m 454.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 300.75 m 515.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 300.75 m 576.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 300.75 m 393.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 300.75 m 454.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 300.75 m 515.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 300.75 m 576.5 300.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 274.75 m 332.5 274.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 274.75 m 393.5 274.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 274.75 m 454.5 274.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 274.75 m 515.5 274.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 274.75 m 576.5 274.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 722.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.80 730.15 Td (A) Tj ET Q q 0 0 0 rg BT 352.63 730.15 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.05 721.15 Td (loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 369.06 725.23 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 722.20 Td (Net cr) Tj ET Q q 0 0 0 rg BT 470.32 722.20 Td (edit losses) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 508.57 726.28 Td (\(2\)\(3\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 708.00 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 353.50 708.20 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.50 708.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 708.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 708.21 Td (2016) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 695.15 Td (Global Consumer Banking) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 695.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 695.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 695.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 682.01 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 682.01 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.00 682.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 682.15 Td (306.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 682.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 682.15 Td (6,920) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 682.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 682.01 Td (6,562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 682.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 682.01 Td (5,610) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 669.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 669.15 Td (2.26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 669.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 669.01 Td (2.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 669.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 669.01 Td (2.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 669.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 656.15 Td (Retail banking) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 643.01 Td (T) Tj ET Q q 0 0 0 rg BT 50.18 643.01 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.00 643.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 643.15 Td (146.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 643.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 643.15 Td (949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 643.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 643.01 Td (1,023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 643.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 643.01 Td (1,007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 630.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 630.15 Td (0.65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 630.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 630.01 Td (0.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 630.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 630.01 Td (0.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 630.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 617.00 Td (North ) Tj ET Q q 0 0 0 rg BT 68.17 617.00 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 617.15 Td (56.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 617.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 617.15 Td (138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 617.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 617.01 Td (194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 617.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 617.01 Td (205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 604.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 604.15 Td (0.25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 604.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 604.01 Td (0.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 604.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 604.01 Td (0.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 604.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 591.00 Td (Latin ) Tj ET Q q 0 0 0 rg BT 66.17 591.00 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 591.15 Td (20.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 591.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 591.15 Td (567) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 591.01 Td (584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 591.01 Td (541) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 578.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 578.15 Td (2.79) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 578.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 578.01 Td (2.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 578.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 578.01 Td (2.85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 578.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 565.00 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 61.00 569.08 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 565.15 Td (69.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 565.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 565.15 Td (244) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 565.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 565.01 Td (245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 565.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 565.01 Td (261) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 552.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 552.15 Td (0.35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 552.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 552.01 Td (0.37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 552.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 552.01 Td (0.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 552.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 539.15 Td (Cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 526.01 Td (T) Tj ET Q q 0 0 0 rg BT 50.18 526.01 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.00 526.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 526.15 Td (160.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 526.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 526.15 Td (5,971) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 526.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 526.01 Td (5,539) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 526.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 526.01 Td (4,603) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 513.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 513.15 Td (3.72) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 513.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 513.01 Td (3.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 513.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 513.01 Td (3.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 513.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 500.00 Td (North ) Tj ET Q q 0 0 0 rg BT 68.09 500.00 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 98.58 500.00 Td (Citi-branded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 500.15 Td (87.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 500.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 500.15 Td (2,602) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 500.01 Td (2,447) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 500.01 Td (1,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 487.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 487.15 Td (2.97) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 487.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 487.01 Td (2.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 487.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 487.01 Td (2.61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 487.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 474.00 Td (North ) Tj ET Q q 0 0 0 rg BT 68.09 474.00 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 98.58 474.00 Td (Retail services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 474.15 Td (48.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 474.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 474.15 Td (2,357) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 474.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 474.01 Td (2,155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 474.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 474.01 Td (1,805) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 461.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 461.15 Td (4.88) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 461.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 461.01 Td (4.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 461.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 461.01 Td (4.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 461.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 448.00 Td (Latin ) Tj ET Q q 0 0 0 rg BT 66.17 448.00 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.75 448.15 Td (5.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 448.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 448.15 Td (586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 448.01 Td (533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 448.01 Td (499) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 435.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 435.15 Td (10.65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 435.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 435.01 Td (10.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 435.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 435.01 Td (9.78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 435.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 422.00 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 61.00 426.08 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 422.15 Td (18.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 422.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 422.15 Td (426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 422.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 422.01 Td (404) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 422.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 422.01 Td (390) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 409.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 409.15 Td (2.25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 409.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 409.01 Td (2.17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 409.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 409.01 Td (2.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 409.01 Td (%) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 396.15 Td (Corporate/Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 100.51 396.15 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 149.50 400.23 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 383.01 Td (T) Tj ET Q q 0 0 0 rg BT 49.87 383.01 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.00 383.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 383.15 Td (18.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 383.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 383.15 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 383.01 Td (156) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 383.01 Td (438) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 370.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 370.15 Td (0.14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 370.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 370.01 Td (0.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 370.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 370.01 Td (1.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 370.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 357.00 Td (International) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.75 357.15 Td (0.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 357.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 357.15 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 357.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 357.01 Td (82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 357.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 357.01 Td (269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 344.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 344.15 Td (6.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 344.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 344.01 Td (4.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 344.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 344.01 Td (5.17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 344.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 331.00 Td (North ) Tj ET Q q 0 0 0 rg BT 68.09 331.00 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 331.15 Td (18.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 331.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 331.15 Td (\(18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 331.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 331.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 331.01 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 331.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 331.01 Td (169) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 318.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 318.15 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 318.01 Td (0.29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 318.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 318.01 Td (0.47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 318.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 305.00 Td (Other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 60.00 309.08 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 305.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 305.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 305.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 305.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 305.01 Td (\(21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 305.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 305.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 305.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 292.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 292.15 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 83.75 292.15 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.00 292.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 292.15 Td (324.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 292.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 292.15 Td (6,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 292.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 292.01 Td (6,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 292.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 292.01 Td (6,048) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 279.01 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 279.15 Td (2.14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 279.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 279.01 Td (2.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 279.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 279.01 Td (1.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 279.01 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 257.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 257.65 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 257.65 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 36.00 248.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 248.05 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 36.00 238.45 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 238.45 Td (As a result of Citigroup's entry into agreements in 2016 to sell its ) Tj ET Q q 0 0 0 rg BT 264.08 238.45 Td (Ar) Tj ET Q q 0 0 0 rg BT 272.38 238.45 Td (gentina and Brazil consumer banking businesses, these businesses were classified as HFS at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 228.85 Td (the end of the fourth quarter of 2016. 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 376.56 228.85 Td ( Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 418.34 228.85 Td (. In addition, as a result of HFS accounting ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 219.25 Td (treatment, approximately $128 million and $42 million of net credit losses \(NCLs\) were recorded as a reduction in revenue \() Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 452.55 219.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 476.03 219.25 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.23 219.25 Td (\) during 2017 and 2016, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 209.65 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 209.65 Td (. ) Tj ET Q q 0 0 0 rg BT 95.69 209.65 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 135.16 209.65 Td (, these NCLs are not included in this table. ) Tj ET Q q 0 0 0 rg BT 273.43 209.65 Td (The sales of the ) Tj ET Q q 0 0 0 rg BT 325.41 209.65 Td (Ar) Tj ET Q q 0 0 0 rg BT 333.71 209.65 Td (gentina and Brazil consumer banking businesses were completed in 2017. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 200.05 Td (\(4\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 200.05 Td (Asia) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.22 200.05 Td ( includes average loans and NCLs in certain ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 211.29 200.05 Td (EMEA) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 232.61 200.05 Td ( countries for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 190.45 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 190.45 Td (2017 NCLs reflected a recovery related to legacy assets.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 180.85 Td (NM Not meaningful) Tj ET Q 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 (70) 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 248.5 669.75 m 248.5 638.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 638.75 m 248.5 615.75 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 248.5 615.75 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 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 248.5 602.75 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 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 248.5 589.75 m 248.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 540.75 m 248.5 518.75 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 248.5 518.75 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 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 248.5 487.75 m 248.5 474.75 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) Tj ET Q q 0 0 0 rg BT 52.05 674.00 Td (-end 2018) 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 (T) Tj ET Q q 0 0 0 rg BT 262.83 674.20 Td (otal) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 152.00 620.20 Td (74) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 620.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.50 620.20 Td (509) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 620.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.25 620.20 Td (47,897) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 620.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.25 620.20 Td (48,480) 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 152.00 607.15 Td (36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.50 607.15 Td (584) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.25 607.15 Td (1) Tj ET Q q 0 0 0 rg BT 224.75 607.15 Td (1,027) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.25 607.15 Td (1) Tj ET Q q 0 0 0 rg BT 263.75 607.15 Td (1,647) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 594.15 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 594.15 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.00 594.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 147.50 594.15 Td (1) Tj ET Q q 0 0 0 rg BT 152.00 594.15 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 594.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.75 594.15 Td (1,093) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 594.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.25 594.15 Td (58,924) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 594.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.25 594.15 Td (60,127) 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) Tj ET Q q 0 0 0 rg BT 75.41 563.15 Td ( 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) Tj ET Q q 0 0 0 rg BT 72.66 545.15 Td ( 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.50 523.20 Td (934) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 523.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.25 523.20 Td (37,503) 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 192.50 492.20 Td (159) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.25 492.20 Td (21,421) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 479.15 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 479.15 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 479.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.75 479.15 Td (1,093) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 479.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.25 479.15 Td (58,924) Tj ET Q BT /F1 10.00 Tf ET 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 (71) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Corporate Cr) Tj ET Q q 0 0 0 rg BT 94.41 749.25 Td (edit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Consistent with its overall strategy) Tj ET Q q 0 0 0 rg BT 174.22 737.25 Td (, Citi) Tj ET Q q 0 0 0 rg BT 197.01 737.25 Td (s corporate clients are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (typically lar) Tj ET Q q 0 0 0 rg BT 83.86 725.25 Td (ge, multinational corporations that value the depth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (and breadth of Citi) Tj ET Q q 0 0 0 rg BT 114.04 713.25 Td (s global network. Citi aims to establish ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (relationships with these clients that encompass multiple ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (products, consistent with client needs, including cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (management and trade services, foreign exchange, lending, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (capital markets and M&A) Tj ET Q q 0 0 0 rg BT 139.58 665.25 Td ( advisory) Tj ET Q q 0 0 0 rg BT 175.87 665.25 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (Corporate Cr) Tj ET Q q 0 0 0 rg BT 94.41 641.25 Td (edit Portfolio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (The following table presents Citi) Tj ET Q q 0 0 0 rg BT 170.42 629.25 Td (s corporate credit portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 64.06 617.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.28 617.25 Td ( \(excluding private bank\), before consideration of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (collateral or hedges, by remaining tenor for the periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 509.75 85.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 121.50 509.75 31.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 509.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 509.75 38.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 509.75 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 509.75 31.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 509.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 509.75 37.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 509.75 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 509.75 31.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 509.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 509.75 37.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 509.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 454.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 121.50 454.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 454.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 454.75 38.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 454.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 454.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 454.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 454.75 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 454.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 454.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 454.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 454.75 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 454.75 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 121.5 568.75 m 152.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 568.75 m 194.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 568.75 m 232.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 568.75 m 273.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 568.75 m 304.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 568.75 m 346.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 568.75 m 383.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 568.75 m 424.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 568.75 m 455.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 568.75 m 497.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 568.75 m 534.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 568.75 m 576.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 121.5 509.75 m 152.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 509.75 m 194.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 509.75 m 232.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 568.75 m 273.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 509.75 m 273.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 509.75 m 304.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 509.75 m 346.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 509.75 m 383.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 568.75 m 424.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 509.75 m 424.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 509.75 m 455.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 509.75 m 497.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 509.75 m 534.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 509.75 m 121.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 121.5 509.75 m 152.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 509.75 m 194.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 509.75 m 232.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 509.75 m 273.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 509.75 m 273.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 509.75 m 273.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 509.75 m 304.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 509.75 m 346.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 509.75 m 383.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 509.75 m 424.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 509.75 m 424.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 509.75 m 455.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 509.75 m 497.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 509.75 m 534.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 509.75 m 576.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 486.75 m 273.5 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 486.75 m 273.5 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 486.75 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 383.5 454.75 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 455.5 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 454.75 m 497.5 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 454.75 m 534.5 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 454.75 m 576.5 454.75 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 121.5 454.75 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 121.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 121.5 454.75 m 152.5 454.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 121.5 440.75 m 152.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 454.75 m 194.5 454.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 440.75 m 194.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 454.75 m 232.5 454.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 440.75 m 232.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 454.75 m 273.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 454.75 m 273.5 454.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 440.75 m 273.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 454.75 m 304.5 454.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 440.75 m 304.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 454.75 m 346.5 454.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 440.75 m 346.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 454.75 m 383.5 454.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 440.75 m 383.5 440.75 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 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 383.5 440.75 m 424.5 440.75 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 455.5 454.75 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 455.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 454.75 m 497.5 454.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 440.75 m 497.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 454.75 m 534.5 454.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 440.75 m 534.5 440.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 440.75 m 576.5 440.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 39.00 573.43 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 154.80 573.20 Td (At December) Tj ET Q q 0 0 0 rg BT 205.36 573.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.75 573.21 Td (At September 30, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.00 573.21 Td (At December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 514.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.75 532.20 Td (Due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 124.20 523.20 Td (within) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 124.70 514.20 Td (1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 157.90 559.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 168.73 559.20 Td (eater) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.20 550.20 Td (than ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 161.20 541.20 Td (1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 166.45 532.20 Td (but ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 160.70 523.20 Td (within) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.35 514.20 Td (5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.90 532.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 208.73 532.20 Td (eater) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.20 523.20 Td (than) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.35 514.20 Td (5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.65 523.20 Td (T) Tj ET Q q 0 0 0 rg BT 247.83 523.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.30 514.20 Td (exposur) Tj ET Q q 0 0 0 rg BT 265.64 514.20 Td (e) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.00 532.21 Td (Due) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.95 523.21 Td (within) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.35 514.21 Td (1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.50 559.21 Td (Greater) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.25 550.21 Td (than) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.85 541.21 Td (1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.20 532.21 Td (but) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.45 523.21 Td (within) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.10 514.21 Td (5years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 532.21 Td (Greater) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 523.21 Td (than) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.60 514.21 Td (5years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.30 523.21 Td (T) Tj ET Q q 0 0 0 rg BT 399.17 523.21 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.25 514.21 Td (exposure) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 532.21 Td (Due) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.95 523.21 Td (within) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.35 514.21 Td (1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 559.21 Td (Greater) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.25 550.21 Td (than ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.85 541.21 Td (1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.20 532.21 Td (but ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.45 523.21 Td (within) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.10 514.21 Td (5years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 532.21 Td (Greater) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 523.21 Td (than) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.60 514.21 Td (5years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.80 523.21 Td (T) Tj ET Q q 0 0 0 rg BT 550.67 523.21 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 514.21 Td (exposure) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 500.21 Td (Direct outstandings ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 491.21 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 105.21 495.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 124.00 491.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 135.50 491.20 Td (128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.00 491.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.50 491.20 Td (1) Tj ET Q q 0 0 0 rg BT 182.00 491.20 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.00 491.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.00 491.20 Td (20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.00 491.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.50 491.20 Td (258) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 491.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.50 491.21 Td (131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 491.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 491.21 Td (103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 491.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 491.21 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 491.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.50 491.21 Td (254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 491.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 491.21 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 491.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 491.21 Td (96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 491.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 491.21 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 491.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 491.21 Td (245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 477.21 Td (Unfunded lending ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 468.21 Td (commitments ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 459.21 Td (\(of) Tj ET Q q 0 0 0 rg BT 49.33 459.21 Td (f-balance sheet\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 106.54 463.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 135.50 459.20 Td (106) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.50 459.20 Td (245) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.00 459.20 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.50 459.20 Td (370) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.50 459.21 Td (1) Tj ET Q q 0 0 0 rg BT 292.00 459.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 459.21 Td (253) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 459.21 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.50 459.21 Td (393) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 459.21 Td (1) Tj ET Q q 0 0 0 rg BT 443.00 459.21 Td (1) Tj ET Q q 0 0 0 rg BT 447.50 459.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 459.21 Td (222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 459.21 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 459.21 Td (353) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 445.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 445.20 Td (otal exposur) Tj ET Q q 0 0 0 rg BT 91.26 445.20 Td (e) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 124.00 445.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 135.50 445.20 Td (234) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.00 445.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.50 445.20 Td (355) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.00 445.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.00 445.20 Td (39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.00 445.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.50 445.20 Td (628) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 445.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.50 445.21 Td (246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 445.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 445.21 Td (356) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 445.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 445.21 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 445.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.50 445.21 Td (647) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 445.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 445.21 Td (238) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 445.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 445.21 Td (318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 445.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 445.21 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 445.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 445.21 Td (598) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 419.65 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 419.65 Td (Includes drawn loans, overdrafts, bankers) Tj ET Q q 0 0 0 rg BT 189.36 419.65 Td ( acceptances and leases. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 410.05 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 410.05 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 36.00 386.05 Td (Portfolio MixGeography) Tj ET Q q 0 0 0 rg BT 147.02 386.05 Td (, Counterparty and Industry) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 374.05 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 374.05 Td (s corporate credit portfolio is diverse across geography ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 362.05 Td (and counterparty) Tj ET Q q 0 0 0 rg BT 102.82 362.05 Td (. ) Tj ET Q q 0 0 0 rg BT 107.64 362.05 Td (The following table shows the percentage of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 350.05 Td (this portfolio by region based on Citi) Tj ET Q q 0 0 0 rg BT 186.54 350.05 Td (s internal management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 338.05 Td (geography:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 304.55 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 105.50 304.55 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 304.55 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 304.55 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 276.55 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 105.50 276.55 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 276.55 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 276.55 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 248.55 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 105.50 248.55 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 248.55 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 248.55 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 36.5 304.54999999999995 m 105.5 304.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 105.5 304.54999999999995 m 166.5 304.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 304.54999999999995 m 227.5 304.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 304.54999999999995 m 288.5 304.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 105.5 304.54999999999995 m 166.5 304.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 304.54999999999995 m 227.5 304.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 304.54999999999995 m 288.5 304.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 248.54999999999995 m 105.5 248.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 248.54999999999995 m 227.5 248.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 248.54999999999995 m 288.5 248.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 234.54999999999995 m 105.5 234.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 105.5 248.54999999999995 m 166.5 248.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 105.5 234.54999999999995 m 166.5 234.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 248.54999999999995 m 227.5 248.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 234.54999999999995 m 227.5 234.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 248.54999999999995 m 288.5 248.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 234.54999999999995 m 288.5 234.54999999999995 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 109.30 318.00 Td (December) Tj ET Q q 0 0 0 rg BT 148.11 318.00 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 126.50 309.00 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 170.50 318.01 Td (September 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 187.50 309.01 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.25 318.01 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.50 309.01 Td (2017) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 295.00 Td (North ) Tj ET Q q 0 0 0 rg BT 62.17 295.00 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 295.00 Td (55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 157.00 295.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 295.01 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.50 295.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 295.01 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 295.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 281.00 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 281.00 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 281.01 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 281.01 Td (27) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 267.00 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 267.00 Td (1) Tj ET Q q 0 0 0 rg BT 152.50 267.00 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 267.01 Td (1) Tj ET Q q 0 0 0 rg BT 215.00 267.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 267.01 Td (12) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 253.00 Td (Latin ) Tj ET Q q 0 0 0 rg BT 60.09 253.00 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 152.50 253.00 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 253.01 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 253.01 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 239.00 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 239.00 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.50 239.00 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 157.00 239.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 239.01 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.50 239.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 239.01 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 239.01 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 211.05 Td (The maintenance of accurate and consistent risk ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 199.05 Td (across the corporate credit portfolio facilitates the comparison ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 187.05 Td (of credit exposure across all lines of business, geographic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 175.05 Td (regions and products. Counterparty risk ratings reflect an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 163.05 Td (estimated probability of default for a counterparty and are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 151.05 Td (derived primarily through the use of validated statistical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 139.05 Td (models, scorecard models and external agency ratings \(under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 127.05 Td (defined circumstances\), in combination with consideration of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 115.05 Td (factors specific to the obligor or market, such as management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 103.05 Td (experience, competitive position, regulatory environment and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 91.05 Td (commodity prices. Facility risk ratings are assigned that reflect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 79.05 Td (the probability of default of the obligor and factors that af) Tj ET Q q 0 0 0 rg BT 266.85 79.05 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 67.05 Td (the loss-given-default of the facility) Tj ET Q q 0 0 0 rg BT 178.64 67.05 Td (, such as support or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 55.05 Td (collateral. Internal obligor ratings that generally correspond to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 386.05 Td (BBB and above are considered investment grade, while those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 374.05 Td (below are considered non-investment grade.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 362.05 Td (Citigroup has also incorporated environmental factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 350.05 Td (such as climate risk assessment and reporting criteria for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 338.05 Td (certain obligors, as necessary) Tj ET Q q 0 0 0 rg BT 440.53 338.05 Td (. Factors evaluated include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 326.05 Td (consideration of climate risk to an obligor) Tj ET Q q 0 0 0 rg BT 492.11 326.05 Td () Tj ET Q q 0 0 0 rg BT 494.88 326.05 Td (s business and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 314.05 Td (physical assets and, when relevant, consideration of cost-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 302.05 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 302.05 Td (fective options to reduce greenhouse gas emissions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 290.05 Td (The following table presents the corporate credit portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 278.05 Td (by facility risk rating as a percentage of the total corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 266.05 Td (credit portfolio:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 211.55 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 211.55 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 211.55 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 211.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 183.55 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 183.55 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 183.55 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 183.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 155.55 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 155.55 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 155.55 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 155.55 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 383.5 241.54999999999995 m 451.5 241.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 241.54999999999995 m 516.5 241.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 241.54999999999995 m 576.5 241.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 211.54999999999995 m 383.5 211.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 211.54999999999995 m 451.5 211.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 211.54999999999995 m 516.5 211.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 241.54999999999995 m 576.5 241.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 211.54999999999995 m 576.5 211.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 211.54999999999995 m 451.5 211.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 211.54999999999995 m 516.5 211.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 211.54999999999995 m 576.5 211.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 155.54999999999995 m 383.5 155.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 141.54999999999995 m 383.5 141.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 155.54999999999995 m 451.5 155.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 141.54999999999995 m 451.5 141.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 155.54999999999995 m 516.5 155.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 141.54999999999995 m 516.5 141.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 155.54999999999995 m 576.5 155.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 141.54999999999995 m 576.5 141.54999999999995 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 246.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.35 246.00 Td (T) Tj ET Q q 0 0 0 rg BT 456.94 246.00 Td (otal exposur) Tj ET Q q 0 0 0 rg BT 503.70 246.00 Td (e) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 216.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.80 225.00 Td (December) Tj ET Q q 0 0 0 rg BT 429.61 225.00 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 216.00 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 225.01 Td (September 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.50 216.01 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 225.01 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 216.01 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 202.01 Td (AAA/AA/A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 202.00 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.00 202.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 202.01 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 202.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 202.01 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 202.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 188.01 Td (BBB) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 188.00 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 188.01 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 188.01 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 174.01 Td (BB/B) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 174.00 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 174.01 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 174.01 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 160.01 Td (CCC or below) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.50 160.00 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 160.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 160.01 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 146.00 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 146.00 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.50 146.00 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.00 146.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 146.01 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 146.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 146.01 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 146.01 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 120.45 Td (Note: ) Tj ET Q q 0 0 0 rg BT 343.63 120.45 Td (T) Tj ET Q q 0 0 0 rg BT 347.96 120.45 Td (otal exposure includes direct outstandings and unfunded lending ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 110.85 Td (commitments. ) 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 (72) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 749.10 Td (s corporate credit portfolio is also diversified by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (industry) Tj ET Q q 0 0 0 rg BT 68.13 737.10 Td (. ) Tj ET Q q 0 0 0 rg BT 72.95 737.10 Td (The following table shows the allocation of Citi) Tj ET Q q 0 0 0 rg BT 267.08 737.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (total corporate credit portfolio by industry:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 677.60 75.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 677.60 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 677.60 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 677.60 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 631.60 75.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 631.60 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 631.60 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 631.60 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 585.60 75.00 -30.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 585.60 59.00 -30.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 585.60 59.00 -30.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 585.60 59.00 -30.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 541.60 75.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 541.60 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 541.60 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 541.60 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 504.60 75.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 504.60 59.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 504.60 59.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 504.60 59.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 458.60 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 458.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 458.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 458.60 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 111.5 700.6 m 170.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 700.6 m 229.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 700.6 m 288.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 677.6 m 111.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.5 700.6 m 170.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.5 677.6 m 170.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 677.6 m 229.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 700.6 m 288.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 677.6 m 288.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 677.6 m 111.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.5 677.6 m 170.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 677.6 m 229.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 677.6 m 288.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 444.6 m 111.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.5 444.6 m 170.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 444.6 m 229.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 444.6 m 288.5 444.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 430.6 m 111.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.5 444.6 m 170.5 444.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 111.5 430.6 m 170.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 444.6 m 229.5 444.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 430.6 m 229.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 444.6 m 288.5 444.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 430.6 m 288.5 430.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 705.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 171.35 705.05 Td (T) Tj ET Q q 0 0 0 rg BT 176.94 705.05 Td (otal exposur) Tj ET Q q 0 0 0 rg BT 223.70 705.05 Td (e) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 682.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 114.30 691.05 Td (December) Tj ET Q q 0 0 0 rg BT 153.11 691.05 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.50 682.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.50 691.06 Td (September 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 190.50 682.06 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.25 691.06 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.50 682.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 668.06 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 668.06 Td (ransportation and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 659.06 Td ( industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 152.00 659.05 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 161.00 659.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.50 659.06 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.50 659.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 659.06 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 659.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 645.06 Td (Consumer retail ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 636.06 Td (and health) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 152.00 636.05 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.50 636.06 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 636.06 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 622.06 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 622.06 Td (echnology) Tj ET Q q 0 0 0 rg BT 80.77 622.06 Td (, media ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 613.06 Td (and telecom) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 152.00 613.05 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.50 613.06 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 613.06 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 599.06 Td (Power) Tj ET Q q 0 0 0 rg BT 61.64 599.06 Td (, chemicals, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 590.06 Td ( metals and mining) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 152.00 590.05 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.50 590.06 Td (1) Tj ET Q q 0 0 0 rg BT 217.00 590.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 590.06 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 576.86 Td (Banks/broker) Tj ET Q q 0 0 0 rg BT 87.31 576.86 Td (-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 567.86 Td (dealers/finance ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 558.86 Td (companies) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.50 560.05 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.00 560.06 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 560.06 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 546.06 Td (Real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.50 546.05 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.00 546.06 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 546.06 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 532.06 Td (Ener) Tj ET Q q 0 0 0 rg BT 55.91 532.06 Td (gy and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 523.06 Td (commodities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.50 523.05 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.00 523.06 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 523.06 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 509.06 Td (Public sector) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.50 509.05 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.00 509.06 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 509.06 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 495.06 Td (Insurance and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 486.06 Td (special purpose) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 477.06 Td (entities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.50 477.05 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.00 477.06 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 477.06 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 463.06 Td (Hedge funds) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.50 463.05 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.00 463.06 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 463.06 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 449.06 Td (Other industries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.50 449.05 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.00 449.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 449.06 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 435.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 435.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 147.50 435.05 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 161.00 435.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.00 435.06 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.50 435.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 435.06 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 435.06 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 407.10 Td (Credit Risk Mitigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 395.10 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 36.00 383.10 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 36.00 371.10 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 36.00 359.10 Td (addition to outright asset sales. ) Tj ET Q q 0 0 0 rg BT 161.91 359.10 Td (The results of the mark-to-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 347.10 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 36.00 335.10 Td (are reflected primarily in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 138.17 335.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 167.52 335.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.27 335.10 Td ( in the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 323.10 Td (Statement of Income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 311.10 Td (At December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.08 311.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.08 311.10 Td (, September30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.35 311.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.35 311.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 299.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.58 299.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 299.10 Td (, $30.8 billion, $26.9 billion and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 287.10 Td ($16.3billion, respectively) Tj ET Q q 0 0 0 rg BT 139.77 287.10 Td (, of the corporate credit portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 275.10 Td (was economically hedged. Citigroup) Tj ET Q q 0 0 0 rg BT 185.41 275.10 Td (s expected loss model ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 263.10 Td (used in the calculation of its loan loss reserve does not include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 251.10 Td (the favorable impact of credit derivatives and other mitigants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 239.10 Td (that are marked to market. In addition, the reported amounts of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 227.10 Td (direct outstandings and unfunded lending commitments in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 215.10 Td (tables above do not reflect the impact of these hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 203.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 88.58 203.10 Td (The credit protection was economically hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 191.10 Td (underlying corporate credit portfolio exposures with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 179.10 Td (following risk rating distribution:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Rating of Hedged Exposur) Tj ET Q q 0 0 0 rg BT 437.44 749.25 Td (e) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 715.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 715.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 715.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 715.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 687.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 687.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 687.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 687.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 659.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 659.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 659.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 659.75 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 324.5 715.75 m 393.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 715.75 m 456.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 715.75 m 516.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 715.75 m 573.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 715.75 m 456.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 715.75 m 516.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 715.75 m 573.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 659.75 m 393.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 659.75 m 456.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 659.75 m 516.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 659.75 m 573.5 659.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 645.75 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 393.5 659.75 m 456.5 659.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 645.75 m 456.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 659.75 m 516.5 659.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 645.75 m 516.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 659.75 m 573.5 659.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 645.75 m 573.5 645.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.30 729.20 Td (December) Tj ET Q q 0 0 0 rg BT 437.11 729.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 720.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.00 729.21 Td (September 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 720.21 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 729.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 720.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 706.21 Td (AAA/AA/A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 706.20 Td (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 706.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 706.21 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 706.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 706.21 Td (23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 706.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 692.21 Td (BBB) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 692.20 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 692.21 Td (47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 692.21 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 678.21 Td (BB/B) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 678.20 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 678.21 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 678.21 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 664.21 Td (CCC or below) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 664.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 664.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 664.21 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 650.20 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 650.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 650.20 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 650.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 650.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 650.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 650.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 650.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 622.25 Td (The credit protection was economically hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 610.25 Td (underlying corporate credit portfolio exposures with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 598.25 Td (following industry distribution:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 574.25 Td (Industry of Hedged Exposur) Tj ET Q q 0 0 0 rg BT 445.79 574.25 Td (e) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 531.75 74.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 531.75 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 531.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 531.75 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 485.75 74.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 485.75 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 485.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 485.75 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 439.75 74.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 439.75 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 439.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 439.75 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 384.75 74.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 384.75 59.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 384.75 61.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 384.75 58.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 338.75 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 338.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 338.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 338.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 310.75 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 310.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 310.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 310.75 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 324.5 531.75 m 398.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 531.75 m 457.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 531.75 m 518.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 531.75 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 324.5 531.75 m 398.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 531.75 m 457.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 531.75 m 518.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 531.75 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 324.5 310.75 m 398.5 310.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 310.75 m 457.5 310.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 310.75 m 518.5 310.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 310.75 m 576.5 310.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 296.75 m 398.5 296.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 310.75 m 457.5 310.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 296.75 m 457.5 296.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 310.75 m 518.5 310.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 296.75 m 518.5 296.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 310.75 m 576.5 310.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 296.75 m 576.5 296.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.30 545.20 Td (December) Tj ET Q q 0 0 0 rg BT 440.11 545.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 536.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.50 545.21 Td (September 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 536.21 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.75 545.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 536.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 522.21 Td (T) Tj ET Q q 0 0 0 rg BT 332.34 522.21 Td (ransportation and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 513.21 Td (industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 513.20 Td (23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 513.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 513.21 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 513.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 513.21 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 513.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 499.21 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 499.21 Td (echnology) Tj ET Q q 0 0 0 rg BT 369.07 499.21 Td (,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 490.21 Td (media and telecom) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 490.20 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 490.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 490.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 476.21 Td (Consumer retail) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 467.21 Td (and health) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 467.20 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 467.21 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 467.21 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 453.21 Td (Power) Tj ET Q q 0 0 0 rg BT 349.82 453.21 Td (, chemicals,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 444.21 Td (metals and mining) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 444.20 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 444.21 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 444.21 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 430.21 Td (Ener) Tj ET Q q 0 0 0 rg BT 343.91 430.21 Td (gy and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 421.21 Td (commodities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 421.20 Td (1) Tj ET Q q 0 0 0 rg BT 443.50 421.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 421.21 Td (1) Tj ET Q q 0 0 0 rg BT 506.00 421.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 421.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 407.21 Td (Insurance and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 398.21 Td (special purpose) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 389.21 Td (entities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.50 389.20 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 389.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 389.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 375.21 Td (Banks/broker) Tj ET Q q 0 0 0 rg BT 375.40 375.21 Td (-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 366.21 Td (dealers/finance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 357.21 Td (companies) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.50 357.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 357.21 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 357.21 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 343.21 Td (Public sector) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.50 343.20 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 343.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 343.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 329.21 Td (Real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.50 329.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 329.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 329.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 315.21 Td (Other industries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.50 315.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 315.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 315.21 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 301.20 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 301.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.50 301.20 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 301.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 301.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 301.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 301.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 301.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET 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 (73) Tj ET Q BT /F2 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 159.81 749.25 Td (ariable 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630.20 Td (1,529) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.50 630.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 630.20 Td (52,063) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 616.21 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.75 616.20 Td (18,550) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.75 616.20 Td (19,169) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.75 616.20 Td (10,728) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 616.20 Td (48,447) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 602.21 Td (Mortgage and real) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 593.21 Td (estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.75 593.20 Td (19,193) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.75 593.20 Td (19,832) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.75 593.20 Td (1) Tj ET Q q 0 0 0 rg BT 221.25 593.20 Td (1,099) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 593.20 Td (50,124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 580.01 Td 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Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 470.20 Td (loans with) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 461.20 Td (maturities due after) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 452.20 Td (one year) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 71.24 456.28 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 439.01 Td (Loans at fixed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 430.01 Td (interest rates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 163.50 431.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.75 431.20 Td (23,779) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 205.50 431.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.75 431.20 Td (16,595) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 418.01 Td (Loans at floating or) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 409.01 Td (adjustable interest) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 400.01 Td (rates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.25 400.20 Td (100,822) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.75 400.20 Td (32,884) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 385.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.68 385.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 163.50 385.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.25 385.20 Td (124,601) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 205.50 385.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.75 385.20 Td (49,479) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 362.05 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 362.05 Td (Based on contractual terms. Repricing characteristics may ef) Tj ET Q q 0 0 0 rg BT 248.00 362.05 Td (fectively) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 352.45 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 352.45 Td (be modified from time to time using derivative contracts. See Note 22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 342.85 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 342.85 Td (to the Consolidated Financial Statements.) 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0.9333333333333333 1 rg /GS0 gs 454.50 558.75 61.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 558.75 61.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 534.75 235.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 534.75 61.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 534.75 61.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 534.75 61.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 534.75 61.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 534.75 61.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 510.75 235.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 510.75 61.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 510.75 61.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 510.75 61.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 510.75 61.00 -12.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 515.50 169.75 61.00 -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 271.5 702.75 m 332.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 702.75 m 393.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 702.75 m 454.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 702.75 m 515.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 702.75 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 36.5 690.75 m 271.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 690.75 m 332.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 702.75 m 393.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 690.75 m 393.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 690.75 m 454.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 702.75 m 515.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 690.75 m 515.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 702.75 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 515.5 690.75 m 576.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 618.75 m 271.5 618.75 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 271.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 618.75 m 332.5 618.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 618.75 m 393.5 618.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 606.75 m 393.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 618.75 m 454.5 618.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 606.75 m 454.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 618.75 m 515.5 618.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 606.75 m 515.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 618.75 m 576.5 618.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 606.75 m 576.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 606.75 m 332.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 606.75 m 393.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 606.75 m 454.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 606.75 m 515.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 606.75 m 576.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 534.75 m 332.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 534.75 m 393.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 534.75 m 454.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 534.75 m 515.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 534.75 m 576.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 534.75 m 271.5 534.75 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 271.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 534.75 m 332.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 522.75 m 332.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 534.75 m 393.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 522.75 m 393.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 534.75 m 454.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 522.75 m 454.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 534.75 m 515.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 522.75 m 515.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 534.75 m 576.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 522.75 m 576.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 522.75 m 332.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 522.75 m 393.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 522.75 m 454.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 522.75 m 515.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 522.75 m 576.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 498.75 m 332.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 498.75 m 393.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 498.75 m 454.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 498.75 m 515.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 498.75 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 36.5 498.75 m 271.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 486.75 m 271.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 498.75 m 332.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 486.75 m 332.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 498.75 m 393.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 486.75 m 393.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 498.75 m 454.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 486.75 m 454.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 498.75 m 515.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 486.75 m 515.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 498.75 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 515.5 486.75 m 576.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 486.75 m 332.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 486.75 m 393.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 486.75 m 454.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 486.75 m 515.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 486.75 m 576.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 402.75 m 393.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 402.75 m 454.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 402.75 m 515.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 402.75 m 271.5 402.75 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 271.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 402.75 m 332.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 390.75 m 332.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 402.75 m 393.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 390.75 m 393.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 402.75 m 454.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 390.75 m 454.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 402.75 m 515.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 390.75 m 515.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 402.75 m 576.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 390.75 m 576.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 390.75 m 332.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 390.75 m 393.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 390.75 m 454.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 390.75 m 515.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 390.75 m 576.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 306.75 m 393.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 306.75 m 454.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 306.75 m 515.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 306.75 m 271.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 294.75 m 271.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 306.75 m 332.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 294.75 m 332.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 306.75 m 393.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 294.75 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 393.5 306.75 m 454.5 306.75 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 454.5 306.75 m 515.5 306.75 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 515.5 306.75 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 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 271.5 294.75 m 332.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 294.75 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 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 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 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 332.5 270.75 m 393.5 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 270.75 m 454.5 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 270.75 m 271.5 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 258.75 m 271.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 270.75 m 332.5 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 258.75 m 332.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 270.75 m 393.5 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 258.75 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 393.5 270.75 m 454.5 270.75 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 454.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 270.75 m 515.5 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 258.75 m 515.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 270.75 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 515.5 258.75 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 271.5 258.75 m 332.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 258.75 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 393.5 258.75 m 454.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 258.75 m 515.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 258.75 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 36.5 234.75 m 271.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 234.75 m 332.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 213.75 m 271.5 213.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 234.75 m 332.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 213.75 m 332.5 213.75 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 393.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 213.75 m 393.5 213.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 234.75 m 454.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 213.75 m 454.5 213.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 234.75 m 515.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 213.75 m 515.5 213.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 234.75 m 576.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 213.75 m 576.5 213.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 191.75 m 271.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 213.75 m 515.5 213.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 169.75 m 271.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 191.75 m 332.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 191.75 m 393.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 191.75 m 454.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 191.75 m 515.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 191.75 m 576.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 147.75 m 271.5 147.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 169.75 m 332.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 147.75 m 332.5 147.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 169.75 m 393.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 147.75 m 393.5 147.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 169.75 m 454.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 147.75 m 454.5 147.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 169.75 m 515.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 147.75 m 515.5 147.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 169.75 m 576.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 147.75 m 576.5 147.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.30 706.15 Td (December) Tj ET Q q 0 0 0 rg BT 436.19 706.15 Td ( 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 292.50 694.15 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 694.01 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 694.01 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 694.01 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 694.01 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 682.15 Td (Consumer) Tj ET Q q 0 0 0 rg BT 78.92 682.15 Td ( loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 670.01 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 670.01 Td (fices) 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 274.00 658.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 658.15 Td (60,127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 658.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 658.01 Td (65,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 658.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 658.01 Td (72,957) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 658.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 658.01 Td (80,281) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 658.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 658.01 Td (96,533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 646.01 Td (Installment, revolving credit and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 646.15 Td (3,398) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 646.01 Td (3,398) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 646.01 Td (3,395) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 646.01 Td (3,480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 646.01 Td (14,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 634.01 Td (Cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 634.15 Td (143,788) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 634.01 Td (139,006) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 634.01 Td (132,654) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 634.01 Td (1) Tj ET Q q 0 0 0 rg BT 482.75 634.01 Td (12,800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 634.01 Td (1) Tj ET Q q 0 0 0 rg BT 543.75 634.01 Td (12,982) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 622.01 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 622.15 Td (8,256) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 622.01 Td (7,840) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 622.01 Td (7,159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 622.01 Td (6,407) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 622.01 Td (5,895) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 610.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 610.15 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 610.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 610.15 Td (215,569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 610.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 610.01 Td (215,71) Tj ET Q q 0 0 0 rg BT 381.00 610.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 610.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 610.01 Td (216,165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 610.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 610.01 Td (202,968) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 610.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 610.01 Td (229,860) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 598.01 Td (In of) Tj ET Q q 0 0 0 rg BT 56.16 598.01 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 586.01 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 133.71 590.09 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 586.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 586.15 Td (43,379) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 586.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 586.01 Td (44,081) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 586.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 586.01 Td (42,803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 586.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 586.01 Td (47,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 586.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 586.01 Td (54,462) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 574.01 Td (Installment, revolving credit and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 574.15 Td (27,609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 574.01 Td (26,556) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 574.01 Td (24,887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 574.01 Td (29,480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 574.01 Td (31,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 562.01 Td (Cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 562.15 Td (25,400) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 562.01 Td (26,257) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 562.01 Td (23,783) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 562.01 Td (27,342) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 562.01 Td (32,032) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 550.01 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 550.15 Td (17,773) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 550.01 Td (20,238) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 550.01 Td (16,568) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 550.01 Td (17,410) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 550.01 Td (18,294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 538.01 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 538.15 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 538.01 Td (76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 538.01 Td (81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 538.01 Td (362) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 538.01 Td (546) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 526.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 526.15 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 526.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 526.15 Td (1) Tj ET Q q 0 0 0 rg BT 298.25 526.15 Td (14,210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 526.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 526.01 Td (1) Tj ET Q q 0 0 0 rg BT 360.75 526.01 Td (17,208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 526.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 526.01 Td (108,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 526.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 526.01 Td (121,656) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 526.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 526.01 Td (136,462) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 514.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 514.15 Td (otal consumer) Tj ET Q q 0 0 0 rg BT 98.34 514.15 Td ( loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 514.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 514.15 Td (329,779) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 514.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 514.01 Td (332,919) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 514.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 514.01 Td (324,287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 514.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 514.01 Td (324,624) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 514.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 514.01 Td (366,322) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 502.01 Td (Unearned income) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 102.72 506.09 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 502.15 Td (708) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 502.01 Td (737) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 502.01 Td (776) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 502.01 Td (830) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 502.01 Td (\(679) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 502.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 490.15 Td (Consumer) Tj ET Q q 0 0 0 rg BT 78.92 490.15 Td ( loans, net of unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 490.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 490.15 Td (330,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 490.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 490.01 Td (333,656) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 490.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 490.01 Td (325,063) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 490.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 490.01 Td (325,454) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 490.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 490.01 Td (365,643) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 478.15 Td (Corporate loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 466.01 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 466.01 Td (fices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 454.01 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 454.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 454.15 Td (52,063) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 454.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 454.01 Td (51,319) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 454.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 454.01 Td (49,586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 454.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 454.01 Td (46,01) Tj ET Q q 0 0 0 rg BT 503.00 454.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 454.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 454.01 Td (39,542) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 442.01 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 442.15 Td (48,447) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 442.01 Td (39,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 442.01 Td (35,517) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 442.01 Td (36,425) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 442.01 Td (36,324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 430.01 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 133.71 434.09 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 430.15 Td (50,124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 430.01 Td (44,683) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 430.01 Td (38,691) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 430.01 Td (32,623) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 430.01 Td (27,959) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 418.01 Td (Installment, revolving credit and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 418.15 Td (33,247) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 418.01 Td (33,181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 418.01 Td (34,501) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 418.01 Td (33,423) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 418.01 Td (29,246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 406.01 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 406.15 Td (1,429) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 406.01 Td (1,470) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 406.01 Td (1,518) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 406.01 Td (1,780) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 406.01 Td (1,758) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 394.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 394.15 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 394.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 394.15 Td (185,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 394.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 394.01 Td (169,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 394.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 394.01 Td (159,813) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 394.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 394.01 Td (150,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 394.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 394.01 Td (134,829) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 382.01 Td (In of) Tj ET Q q 0 0 0 rg BT 56.16 382.01 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 370.01 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 370.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 370.15 Td (94,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 370.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 370.01 Td (93,750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 370.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 370.01 Td (81,882) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 370.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 370.01 Td (82,689) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 370.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 370.01 Td (83,506) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 358.01 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 358.15 Td (36,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 358.01 Td (35,273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 358.01 Td (26,886) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 358.01 Td (28,704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 358.01 Td (33,269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 346.01 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 133.71 350.09 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 346.15 Td (7,376) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 346.01 Td (7,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 346.01 Td (5,363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 346.01 Td (5,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 346.01 Td (6,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 334.01 Td (Installment, revolving credit and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 334.15 Td (25,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 334.01 Td (22,638) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 334.01 Td (19,965) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 334.01 Td (20,853) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 334.01 Td (19,259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 322.01 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 322.15 Td (103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 322.01 Td (190) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 322.01 Td (251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 322.01 Td (303) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 322.01 Td (419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 310.01 Td (Governments and of) Tj ET Q q 0 0 0 rg BT 118.32 310.01 Td (ficial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 310.15 Td (4,520) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 310.01 Td (5,200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 310.01 Td (5,850) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 310.01 Td (4,91) Tj ET Q q 0 0 0 rg BT 503.00 310.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 310.01 Td (2,236) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 298.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 298.15 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 298.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 298.15 Td (169,221) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 298.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 298.01 Td (164,360) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 298.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 298.01 Td (140,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 298.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 298.01 Td (142,566) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 298.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 298.01 Td (144,720) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 286.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 286.15 Td (otal corporate loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 286.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 286.15 Td (354,531) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 286.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 286.01 Td (334,141) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 286.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 286.01 Td (300,010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 286.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 286.01 Td (292,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 286.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 286.01 Td (279,549) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 274.01 Td (Unearned income) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 102.72 278.09 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.50 274.15 Td (\(822) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 274.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 274.01 Td (\(763) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 274.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 274.01 Td (\(704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 274.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 274.01 Td (\(665) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 274.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 274.01 Td (\(557) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 274.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 262.15 Td (Corporate loans, net of unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 262.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 262.15 Td (353,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 262.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 262.01 Td (333,378) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 262.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 262.01 Td (299,306) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 262.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 262.01 Td (292,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 262.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 262.01 Td (278,992) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 250.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 250.15 Td (otal loansnet of unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 250.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 250.15 Td (684,196) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 250.01 Td (667,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 250.01 Td (624,369) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 250.01 Td (617,617) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 250.01 Td (644,635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 238.01 Td (Allowance for loan losseson drawn exposures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.25 238.15 Td (\(12,315) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 238.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.75 238.01 Td (\(12,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 238.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.75 238.01 Td (\(12,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 238.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 238.01 Td (\(12,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 238.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.75 238.01 Td (\(15,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 238.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 226.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 226.15 Td (otalloansnetofunearnedincome) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 217.15 Td ( andallowancefor) Tj ET Q q 0 0 0 rg BT 111.83 217.15 Td (cr) Tj ET Q q 0 0 0 rg BT 121.91 217.15 Td (editlosses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 218.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 218.20 Td (671,881) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 218.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 218.21 Td (654,679) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 218.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 218.21 Td (612,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 218.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 218.21 Td (604,991) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 218.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.25 218.21 Td (628,641) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 205.15 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 92.57 205.15 Td ( loan losses as a per) Tj ET Q q 0 0 0 rg BT 167.17 205.15 Td (centage of total loans ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 196.15 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 133.74 200.23 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 196.20 Td (1.81) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 196.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 196.21 Td (1.86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 196.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 196.21 Td (1.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 196.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 196.21 Td (2.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 196.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 196.21 Td (2.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 196.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 183.15 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 92.57 183.15 Td ( consumer) Tj ET Q q 0 0 0 rg BT 132.16 183.15 Td ( loan losses as a per) Tj ET Q q 0 0 0 rg BT 206.75 183.15 Td (centage of ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 174.15 Td ( total consumer) Tj ET Q q 0 0 0 rg BT 100.58 174.15 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 222.08 178.23 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 174.20 Td (3.01) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 174.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 174.21 Td (2.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 174.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 174.21 Td (2.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 174.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 174.21 Td (3.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 174.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 174.21 Td (3.71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 174.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 161.15 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 92.57 161.15 Td ( corporate loan losses as a per) Tj ET Q q 0 0 0 rg BT 206.90 161.15 Td (centage of ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 152.15 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 222.23 156.23 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 152.20 Td (0.67) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 152.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 152.21 Td (0.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 152.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 152.21 Td (0.91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 152.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 152.21 Td (0.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 152.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 152.21 Td (0.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 152.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 130.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 130.65 Td (Loans secured primarily by real estate.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 121.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 121.05 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 54.00 111.45 Td (were more than of) Tj ET Q q 0 0 0 rg BT 112.27 111.45 Td (fset by prepaid interest on loans outstanding issued by OneMain Financial. ) Tj ET Q q 0 0 0 rg BT 353.42 111.45 Td (The sale of OneMain Financial was completed in 2015.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 101.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 101.85 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 92.25 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 92.25 Td (All periods exclude loans that are carried at fair value.) 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 (75) 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 36.50 716.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 716.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 716.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 716.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 716.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 716.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 688.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 688.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 688.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 688.75 61.00 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/GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 632.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 604.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 604.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 604.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 604.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 604.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 604.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 576.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 576.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 576.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 576.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 576.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 576.75 61.00 -14.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 36.50 184.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 184.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 184.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 184.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 184.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 184.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 156.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 156.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 156.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 156.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 156.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 156.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 128.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 128.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 128.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 128.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 128.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 128.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 91.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 91.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 91.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 91.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 91.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 91.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 63.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 63.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 63.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 63.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 63.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 63.75 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 36.5 716.75 m 271.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 716.75 m 332.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 716.75 m 393.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 716.75 m 454.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 716.75 m 515.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 716.75 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 271.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 716.75 m 332.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 702.75 m 332.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 716.75 m 393.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 702.75 m 393.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 716.75 m 454.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 702.75 m 454.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 716.75 m 515.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 702.75 m 515.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 716.75 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 515.5 702.75 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 271.5 702.75 m 332.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 702.75 m 393.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 702.75 m 454.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 702.75 m 515.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 702.75 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 271.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 660.75 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 393.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 660.75 m 454.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 660.75 m 515.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 660.75 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 271.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 660.75 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 271.5 646.75 m 332.5 646.75 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 393.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 646.75 m 393.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 660.75 m 454.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 646.75 m 454.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 660.75 m 515.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 660.75 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 515.5 646.75 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 271.5 646.75 m 332.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 646.75 m 393.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 646.75 m 454.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 646.75 m 515.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 646.75 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 36.5 450.75 m 271.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 450.75 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 393.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 450.75 m 454.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 450.75 m 515.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 450.75 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 36.5 450.75 m 271.5 450.75 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 271.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 450.75 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 271.5 436.75 m 332.5 436.75 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 393.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 436.75 m 393.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 450.75 m 454.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 436.75 m 454.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 450.75 m 515.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 436.75 m 515.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 450.75 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 515.5 436.75 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 271.5 436.75 m 332.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 436.75 m 393.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 436.75 m 454.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 436.75 m 515.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 436.75 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 271.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 240.75 m 332.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 240.75 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 454.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 240.75 m 515.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 240.75 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 271.5 240.75 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 271.5 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 240.75 m 332.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 226.75 m 332.5 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 240.75 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 332.5 226.75 m 393.5 226.75 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 454.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 226.75 m 454.5 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 240.75 m 515.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 226.75 m 515.5 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 240.75 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 515.5 226.75 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 271.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 184.75 m 332.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 184.75 m 393.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 184.75 m 454.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 184.75 m 515.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 184.75 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 271.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 184.75 m 332.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 170.75 m 332.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 184.75 m 393.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 170.75 m 393.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 184.75 m 454.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 170.75 m 454.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 184.75 m 515.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 170.75 m 515.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 184.75 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 515.5 170.75 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 271.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 170.75 m 332.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 170.75 m 393.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 156.75 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 393.5 170.75 m 454.5 170.75 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 454.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 170.75 m 515.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 156.75 m 515.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 170.75 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 515.5 156.75 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 36.5 142.75 m 271.5 142.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 156.75 m 332.5 156.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 142.75 m 332.5 142.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 156.75 m 393.5 156.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 142.75 m 393.5 142.75 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 454.5 156.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 142.75 m 454.5 142.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 156.75 m 515.5 156.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 142.75 m 515.5 142.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 156.75 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 515.5 142.75 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 271.5 142.75 m 332.5 142.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 142.75 m 393.5 142.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 142.75 m 454.5 142.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 142.75 m 515.5 142.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 142.75 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 271.5 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 114.75 m 393.5 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 114.75 m 454.5 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 114.75 m 515.5 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 114.75 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 36.5 91.75 m 271.5 91.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 114.75 m 332.5 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 114.75 m 393.5 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 114.75 m 454.5 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 91.75 m 454.5 91.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 114.75 m 515.5 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 91.75 m 515.5 91.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 114.75 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 515.5 91.75 m 576.5 91.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 91.75 m 332.5 91.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 91.75 m 393.5 91.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 91.75 m 454.5 91.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 91.75 m 515.5 91.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 91.75 m 576.5 91.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 63.75 m 393.5 63.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 63.75 m 454.5 63.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 63.75 m 515.5 63.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 63.75 m 576.5 63.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 63.75 m 271.5 63.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 63.75 m 332.5 63.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 63.75 m 393.5 63.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 63.75 m 454.5 63.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 63.75 m 515.5 63.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 63.75 m 576.5 63.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 49.25 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 49.25 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 49.25 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 49.25 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 49.25 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 49.25 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 49.25 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 292.50 721.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 721.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 721.21 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 721.21 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 721.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 707.20 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 92.65 707.20 Td ( loan losses at beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 707.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 707.20 Td (12,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 707.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 707.21 Td (12,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 707.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 707.21 Td (12,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 707.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 707.21 Td (15,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 707.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 707.21 Td (19,648) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 693.20 Td (Pr) Tj ET Q q 0 0 0 rg BT 48.41 693.20 Td (ovision for) Tj ET Q q 0 0 0 rg BT 89.00 693.20 Td ( loan losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 679.21 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 679.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 679.20 Td (7,288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 679.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 679.21 Td (7,363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 679.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 679.21 Td (6,321) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 679.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 679.21 Td (6,228) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 679.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 679.21 Td (6,699) 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 314.00 665.20 Td (66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 665.21 Td (140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 665.21 Td (428) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 665.21 Td (880) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 665.21 Td (129) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 652.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 652.15 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 651.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 651.20 Td (7,354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 651.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 651.21 Td (7,503) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 651.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 651.21 Td (6,749) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 651.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 651.21 Td (7,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 651.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 651.21 Td (6,828) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 637.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 49.91 637.20 Td (oss cr) Tj ET Q q 0 0 0 rg BT 71.50 637.20 Td (edit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 623.20 Td (Consumer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 609.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 80.42 609.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 609.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 609.20 Td (5,989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 609.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 609.21 Td (5,736) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 609.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 609.21 Td (4,970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 609.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 609.21 Td (5,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 609.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 609.21 Td (6,780) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 595.21 Td (In of) Tj ET Q q 0 0 0 rg BT 62.16 595.21 Td (fices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 595.20 Td (2,405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 595.21 Td (2,447) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 595.21 Td (2,672) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 595.21 Td (3,192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 595.21 Td (3,874) 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. of) Tj ET Q q 0 0 0 rg BT 80.42 553.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 553.20 Td (103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 553.21 Td (151) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 553.21 Td (274) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 553.21 Td (1) Tj ET Q q 0 0 0 rg BT 498.50 553.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 553.21 Td (66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 539.21 Td (In of) Tj ET Q q 0 0 0 rg BT 62.16 539.21 Td (fices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 539.20 Td (154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 539.21 Td (331) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 539.21 Td (256) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 539.21 Td (182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 539.21 Td (310) 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. of) Tj ET Q q 0 0 0 rg BT 80.42 511.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 511.20 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 511.21 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 511.21 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 511.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 511.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 497.21 Td (In of) Tj ET Q q 0 0 0 rg BT 62.16 497.21 Td (fices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 497.20 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 497.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 497.21 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 497.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 497.21 Td (13) 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 of) Tj ET Q q 0 0 0 rg BT 78.17 469.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 469.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 469.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 469.21 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 469.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 469.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 455.21 Td (In of) Tj ET Q q 0 0 0 rg BT 62.16 455.21 Td (fices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 455.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 455.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 455.21 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 455.21 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 455.21 Td (55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 442.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 442.15 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 441.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 441.20 Td (8,665) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 441.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 441.21 Td (8,673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 441.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 441.21 Td (8,222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 441.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 441.21 Td (9,041) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 441.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 441.21 Td (1) Tj ET Q q 0 0 0 rg BT 548.25 441.21 Td (1,108) 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 (\(1\)) 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. of) Tj ET Q q 0 0 0 rg BT 80.42 399.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 399.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 399.20 Td (922) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 399.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 399.21 Td (903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 399.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 399.21 Td (980) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 399.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 399.21 Td (975) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 399.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 399.21 Td (1,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 385.21 Td (In of) Tj ET Q q 0 0 0 rg BT 62.16 385.21 Td (fices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 385.20 Td (528) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 385.21 Td (583) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 385.21 Td (614) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 385.21 Td (659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 385.21 Td (853) 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. of) Tj ET Q q 0 0 0 rg BT 80.42 343.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 343.20 Td (37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 343.21 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 343.21 Td (23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 343.21 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 343.21 Td (64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 329.21 Td (In of) Tj ET Q q 0 0 0 rg BT 62.16 329.21 Td (fices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 329.20 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 329.21 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 329.21 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 329.21 Td (67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 329.21 Td (84) 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. of) Tj ET Q q 0 0 0 rg BT 80.42 301.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 301.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 301.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 301.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 301.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 301.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 287.21 Td (In of) Tj ET Q q 0 0 0 rg BT 62.16 287.21 Td (fices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 287.20 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 287.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 287.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 287.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 287.21 Td (1) Tj ET Q q 0 0 0 rg BT 564.00 287.21 Td (1) 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. of) Tj ET Q q 0 0 0 rg BT 80.42 259.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 259.20 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 259.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 259.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 259.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 259.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 245.21 Td (In of) Tj ET Q q 0 0 0 rg BT 62.16 245.21 Td (fices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 245.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 245.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 245.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 245.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 245.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 232.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 232.15 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 231.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 231.20 Td (1,552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 231.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 231.21 Td (1,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 231.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 231.21 Td (1,661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 231.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 231.21 Td (1,739) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 231.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 231.21 Td (2,135) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 217.20 Td (Net cr) Tj ET Q q 0 0 0 rg BT 62.65 217.20 Td (edit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 203.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 80.42 203.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 203.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 203.20 Td (5,132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 203.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 203.21 Td (4,966) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 203.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 203.21 Td (4,278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 203.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 203.21 Td (4,609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 203.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 203.21 Td (5,669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 189.21 Td (In of) Tj ET Q q 0 0 0 rg BT 62.08 189.21 Td (fices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 189.20 Td (1,981) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 189.21 Td (2,1) Tj ET Q q 0 0 0 rg BT 376.50 189.21 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 189.21 Td (2,283) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 189.21 Td (2,693) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 189.21 Td (3,304) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 175.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 175.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 175.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 175.20 Td (7,1) Tj ET Q q 0 0 0 rg BT 314.00 175.20 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 175.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 175.21 Td (7,076) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 175.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 175.21 Td (6,561) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 175.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 175.21 Td (7,302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 175.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 175.21 Td (8,973) 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 (\(2\)\(3\)\(4\)\(5\)\(6\)\(7\)\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 161.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.50 161.20 Td (\(281) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 161.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 161.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 161.21 Td (\(132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 161.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 161.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 161.21 Td (\(754) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 161.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 161.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 161.21 Td (\(3,174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 161.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 161.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 161.21 Td (\(1,509) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 161.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 147.20 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 92.65 147.20 Td ( loan losses at end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 147.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 147.20 Td (12,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 147.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 147.21 Td (12,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 147.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 147.21 Td (12,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 147.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 147.21 Td (12,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 147.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 147.21 Td (15,994) 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 (\(9\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.25 133.21 Td (1.81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 133.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 133.21 Td (1.86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 133.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 133.21 Td (1.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 133.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 133.21 Td (2.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 133.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 133.21 Td (2.50) 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 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 207.46 122.83 Td (\(8\)\(10\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 119.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 119.20 Td (1,367) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 119.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 119.21 Td (1,258) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 119.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 119.21 Td (1,418) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 119.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 119.21 Td (1,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 119.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 119.21 Td (1,063) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 105.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 105.20 Td (otal allowance for) Tj ET Q q 0 0 0 rg BT 112.50 105.20 Td ( loan losses and unfunded lending) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 96.20 Td (commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 96.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 96.20 Td (13,682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 96.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 96.21 Td (13,613) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 96.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 96.21 Td (13,478) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 96.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 96.21 Td (14,028) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 96.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 96.21 Td (17,057) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 82.21 Td (Net consumer credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 82.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 82.20 Td (6,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 82.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 82.21 Td (6,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 82.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 82.21 Td (6,048) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 82.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 82.21 Td (7,058) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 82.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 82.21 Td (8,679) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 68.21 Td (As a percentage of average consumer loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 68.20 Td (2.14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 68.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 68.21 Td (2.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 68.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 68.21 Td (1.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 68.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 68.21 Td (2.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 68.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 68.21 Td (2.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 68.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 54.21 Td (Net corporate credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 54.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 54.20 Td (169) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 54.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 54.21 Td (379) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 54.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 54.21 Td (513) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 54.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 54.21 Td (244) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 54.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 54.21 Td (294) 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 (76) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 740.50 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 740.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 740.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 740.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 740.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 740.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 712.50 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 712.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 712.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 712.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 712.50 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 712.50 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 36.5 755 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 755 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 755 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 755 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 755 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 755 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 271.5 740.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 740.5 m 332.5 740.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 740.5 m 393.5 740.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 740.5 m 454.5 740.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 740.5 m 515.5 740.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 740.5 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 332.5 740.5 m 393.5 740.5 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 271.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 698.5 m 393.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 698.5 m 454.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 698.5 m 515.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 698.5 m 576.5 698.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 684.5 m 271.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 698.5 m 332.5 698.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 684.5 m 332.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 698.5 m 393.5 698.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 684.5 m 393.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 698.5 m 454.5 698.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 684.5 m 454.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 698.5 m 515.5 698.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 684.5 m 515.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 698.5 m 576.5 698.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 684.5 m 576.5 684.5 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 307.25 744.95 Td (0.05) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 744.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 744.96 Td (0.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 744.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 744.96 Td (0.17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 744.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 744.96 Td (0.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 744.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 744.96 Td (0.10) 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 by type) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 109.50 734.58 Td (\(1) Tj ET Q BT /F2 5.20 Tf ET q 0 0 0 rg BT 113.54 734.58 Td (1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 716.96 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 716.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 716.95 Td (9,950) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 716.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 716.96 Td (9,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 716.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 716.96 Td (9,358) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 716.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 716.96 Td (9,835) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 716.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 716.96 Td (13,547) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 702.96 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 702.95 Td (2,365) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 702.96 Td (2,486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 702.96 Td (2,702) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 702.96 Td (2,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 702.96 Td (2,447) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 688.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 688.95 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 83.75 688.95 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 688.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.25 688.95 Td (12,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 688.96 Td (12,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 688.96 Td (12,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 688.96 Td (12,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 688.96 Td (15,994) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 667.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 667.40 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 355.50 667.40 Td (forts are successful.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 657.80 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 657.80 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 54.00 648.25 Td (purchase accounting adjustments, etc.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 638.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 638.65 Td (2018 includes reductions of approximately $201 million related to the sale or transfer to HFS of various loan portfolios, which includes approximately $91 million ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 629.05 Td (related to the transfer of various real estate loan portfolios to HFS. ) Tj ET Q q 0 0 0 rg BT 267.94 629.05 Td (Additionally) Tj ET Q q 0 0 0 rg BT 307.86 629.05 Td (, 2018 includes a reduction of approximately $60 million related to FX translation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 619.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 619.45 Td (2017 includes reductions of approximately $261 million related to the sale or transfer to HFS of various loan portfolios, which includes approximately $106 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 609.85 Td (million related to the transfer of various real estate loan portfolios to HFS. ) Tj ET Q q 0 0 0 rg BT 293.05 609.85 Td (Additionally) Tj ET Q q 0 0 0 rg BT 332.98 609.85 Td (, 2017 includes an increase of approximately $1) Tj ET Q q 0 0 0 rg BT 485.96 609.85 Td (15 million related to FX ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 600.25 Td (translation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 590.65 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 590.65 Td (2016 includes reductions of approximately $574 million related to the sale or transfer to HFS of various loan portfolios, which includes approximately $106 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 581.05 Td (million related to the transfer of various real estate loan portfolios to HFS. ) Tj ET Q q 0 0 0 rg BT 293.05 581.05 Td (Additionally) Tj ET Q q 0 0 0 rg BT 332.98 581.05 Td (, 2016 includes a reduction of approximately $199 million related to FX ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 571.45 Td (translation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 561.85 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 561.85 Td (2015 includes reductions of approximately $2.4 billion related to the sale or transfer to HFS of various loan portfolios, which includes approximately $1.5 billion ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 552.25 Td (related to the transfer of various real estate loan portfolios to HFS. ) Tj ET Q q 0 0 0 rg BT 267.94 552.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 307.86 552.25 Td (, 2015 includes a reduction of approximately $474 million related to FX ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 542.65 Td (translation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 533.05 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 533.05 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 545.15 533.05 Td (1 million ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 523.45 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 54.00 513.85 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 54.00 504.25 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 323.28 504.25 Td (EMEA) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.60 504.25 Td ( loan portfolios. ) Tj ET Q q 0 0 0 rg BT 397.04 504.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 436.96 504.25 Td (, 2014 includes a reduction of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 494.65 Td (approximately $463 million related to FX translation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 485.05 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 485.05 Td (2015 includes a reclassification of $271 million of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 217.07 485.05 Td (Allowance for loan losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.52 485.05 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 54.00 475.45 Td (This reclassification reflects the re-attribution of $271 million in the 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 54.00 465.80 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 36.00 456.20 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 456.20 Td (December 31, 2018, December 31, 2017, December 31, 2016, December31, 2015 and December 31, 2014 exclude $3.2 billion, $4.4 billion, $3.5 billion, $5.0 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 446.60 Td (billion and $5.9 billion, respectively) Tj ET Q q 0 0 0 rg BT 169.46 446.60 Td (, of loans which are carried at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 437.00 Td (\(10\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 437.00 Td (Represents additional credit reserves recorded as ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 212.16 437.00 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.04 437.00 Td ( on the Consolidated Balance Sheet.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 427.40 Td (\(1) Tj ET Q q 0 0 0 rg BT 42.37 427.40 Td (1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 427.40 Td (Allowance for loan losses represents management) Tj ET Q q 0 0 0 rg BT 216.39 427.40 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 529.50 427.40 Td (ge ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 417.80 Td (individually evaluated impaired loans and troubled debt restructurings. See Significant ) Tj ET Q q 0 0 0 rg BT 336.37 417.80 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 54.00 408.20 Td (Consolidated Financial Statements below) Tj ET Q q 0 0 0 rg BT 186.13 408.20 Td (. ) Tj ET Q q 0 0 0 rg BT 189.68 408.20 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 54.00 398.60 Td (probable credit losses inherent in the overall portfolio.) 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 (77) 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 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 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) Tj ET Q q 0 0 0 rg BT 461.01 717.20 Td ( 31, 2018) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 681.15 Td (6.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 681.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 681.15 Td (144.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 681.15 Td (4.5) 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 (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 668.15 Td (0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.25 668.15 Td (58.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 668.15 Td (0.7) 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 (0.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.25 655.15 Td (13.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 655.15 Td (2.3) 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 (1.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.25 642.15 Td (24.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 642.15 Td (5.6) 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 (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 629.15 Td (1.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.25 629.15 Td (88.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 629.15 Td (1.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 616.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 616.15 Td (otal 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 (330.5) 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 (T) Tj ET Q q 0 0 0 rg BT 44.59 603.15 Td (otal corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 603.15 Td (2.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 603.15 Td (353.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 603.15 Td (0.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 590.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 590.15 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 83.75 590.15 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.00 590.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.25 590.15 Td (12.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 590.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 590.15 Td (684.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 590.15 Td (1.8) 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 $6.5 billion of loan loss reserves represented approximately 16months 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 $0.4 billion, nearly all of it was allocated to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 217.73 539.85 Td (North ) Tj ET Q q 0 0 0 rg BT 238.26 539.85 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.36 539.85 Td ( mortgages in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 310.91 539.85 Td (Corporate/Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.13 539.85 Td (, including $0.1 billion and $0.3 billion determined in accordance ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 530.25 Td (with ) Tj ET Q q 0 0 0 rg BT 69.78 530.25 Td (ASC 450-20 and ) Tj ET Q q 0 0 0 rg BT 125.12 530.25 Td (ASC 310-10-35 \(troubled debt restructurings\), respectively) Tj ET Q q 0 0 0 rg BT 313.89 530.25 Td (. Of the $58.9 billion in loans, approximately $56.3 billion and $2.5 billion of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 520.65 Td (loans were evaluated in accordance with ) Tj ET Q q 0 0 0 rg BT 185.05 520.65 Td (ASC 450-20 and ) Tj ET Q q 0 0 0 rg BT 240.39 520.65 Td (ASC 310-10-35 \(troubled debt restructurings\), respectively) Tj ET Q q 0 0 0 rg BT 429.16 520.65 Td (. For additional information, see Note 15 to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 511.05 Td (the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 501.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 501.45 Td (Includes mortgages and other retail loans.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 443.95 305.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 443.95 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 443.95 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 443.95 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 417.95 305.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 417.95 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 417.95 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 417.95 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 391.95 305.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 391.95 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 391.95 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 391.95 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 365.95 305.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 365.95 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 365.95 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 365.95 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 36.5 464.95 m 341.5 464.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 464.95 m 404.5 464.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 464.95 m 480.5 464.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 464.95 m 576.5 464.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 443.95 m 341.5 443.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 443.95 m 404.5 443.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 443.95 m 480.5 443.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 464.95 m 576.5 464.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 443.95 m 576.5 443.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 443.95 m 341.5 443.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 443.95 m 404.5 443.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 443.95 m 480.5 443.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 443.95 m 576.5 443.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 378.95 m 341.5 378.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 378.95 m 404.5 378.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 378.95 m 480.5 378.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 378.95 m 576.5 378.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 378.95 m 404.5 378.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 378.95 m 480.5 378.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 378.95 m 576.5 378.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 352.95 m 341.5 352.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 352.95 m 404.5 352.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 352.95 m 480.5 352.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 339.95 m 341.5 339.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 352.95 m 404.5 352.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 339.95 m 404.5 339.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 352.95 m 480.5 352.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 339.95 m 480.5 339.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 352.95 m 576.5 352.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 339.95 m 576.5 339.95 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 39.00 469.63 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.10 469.41 Td (December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 448.20 Td (In billions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.60 456.21 Td (Allowance for) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.85 447.21 Td (loan losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.35 456.21 Td (Loans, net of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.10 447.21 Td (unearned income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.50 456.21 Td (Allowance as a) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.60 447.21 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 559.57 451.29 Td (\(1\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 435.20 Td (North ) Tj ET Q q 0 0 0 rg BT 62.09 435.20 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 92.58 435.20 Td ( cards) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 113.82 439.28 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 435.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 435.21 Td (6.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 435.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 435.21 Td (139.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 435.21 Td (4.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 435.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 422.20 Td (North ) Tj ET Q q 0 0 0 rg BT 62.09 422.20 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 92.58 422.20 Td ( mortgages) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.32 426.28 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 422.21 Td (0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 422.21 Td (64.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 422.21 Td (1.1) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 409.20 Td (North ) Tj ET Q q 0 0 0 rg BT 62.09 409.20 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 92.58 409.20 Td ( other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 409.21 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 409.21 Td (13.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 409.21 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 396.21 Td (International cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 396.21 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 396.21 Td (25.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 396.21 Td (5.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 383.21 Td (International other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 105.72 387.29 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 383.21 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 383.21 Td (91.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 383.21 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 370.35 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 370.35 Td (otal consumer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 370.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 370.21 Td (9.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 370.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 370.21 Td (333.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 370.21 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 370.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 357.35 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 357.35 Td (otal corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 357.21 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 357.21 Td (333.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 357.21 Td (0.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 344.35 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 344.35 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 83.75 344.35 Td (oup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 344.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.25 344.21 Td (12.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 344.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 344.21 Td (667.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 344.21 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 344.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 322.85 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 322.85 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 36.00 313.25 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 313.25 Td (Includes both Citi-branded cards and Citi retail services. ) Tj ET Q q 0 0 0 rg BT 236.25 313.25 Td (The $6.1 billion of loan loss reserves represented approximately 16months of coincident net credit loss ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 303.65 Td (coverage.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 294.05 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 294.05 Td (Of the $0.7 billion, approximately $0.6 billion was allocated to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 257.74 294.05 Td (North ) Tj ET Q q 0 0 0 rg BT 278.27 294.05 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.37 294.05 Td ( mortgages in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 350.91 294.05 Td (Corporate/Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.14 294.05 Td (. Of the $0.7 billion, approximately $0.2 billion and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 284.45 Td ($0.5 billion were determined in accordance with ) Tj ET Q q 0 0 0 rg BT 210.39 284.45 Td (ASC 450-20 and ) Tj ET Q q 0 0 0 rg BT 265.73 284.45 Td (ASC 310-10-35 \(troubled debt restructurings\), respectively) Tj ET Q q 0 0 0 rg BT 454.50 284.45 Td (. Of the $64.2 billion in loans, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 274.85 Td (approximately $60.4 billion and $3.7 billion of the loans were evaluated in accordance with ) Tj ET Q q 0 0 0 rg BT 349.03 274.85 Td (ASC 450-20 and ) Tj ET Q q 0 0 0 rg BT 404.36 274.85 Td (ASC 310-10-35 \(troubled debt restructurings\), ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 265.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 265.25 Td (. For additional information, see Note 15 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 255.65 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 255.65 Td (Includes mortgages and other retail loans.) 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 (78) 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 q 0 0 0 rg BT 224.15 713.25 Td (.) 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 159.43 689.25 Td (:) 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 \(including commercial banking\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 660.25 Td (non-accrual status is based on the determination that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 648.25 Td (payment 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. Non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 612.25 Td (accrual loans may still be current on interest payments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 600.25 Td (Approximately 55%, 57% and 74% of Citi) Tj ET Q q 0 0 0 rg BT 227.58 600.25 Td (s corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 588.25 Td (non-accrual loans were performing at December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.02 588.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.02 588.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 576.25 Td (September 30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.26 576.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.26 576.25 Td ( and December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.29 576.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.29 576.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 284.95 576.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 564.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 564.25 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 54.00 552.25 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 36.00 540.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 540.25 Td (Consumer mortgage loans, other than Federal Housing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 528.25 Td (Administration \(FHA\) insured loans, are classified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 516.25 Td (non-accrual within 60 days of notification that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 504.25 Td (borrower has filed for bankruptcy) Tj ET Q q 0 0 0 rg BT 188.30 504.25 Td (. In addition, home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 492.25 Td (equity loans are classified as non-accrual if the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 480.25 Td (residential first mortgage loan is 90 days or more past ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 468.25 Td (due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 456.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 456.25 Td (North ) Tj ET Q q 0 0 0 rg BT 79.66 456.25 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.54 456.25 Td ( Citi-branded cards and Citi retail services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 444.25 Td (are not included because, under industry standards, credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 432.25 Td (card loans accrue interest until such loans are char) Tj ET Q q 0 0 0 rg BT 254.84 432.25 Td (ged of) Tj ET Q q 0 0 0 rg BT 279.93 432.25 Td (f, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 420.25 Td (which typically occurs at 180days of contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 408.25 Td (delinquency) Tj ET Q q 0 0 0 rg BT 102.22 408.25 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 386.25 Td (Renegotiated Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.71 386.25 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 369.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 369.25 Td (Includes both corporate and consumer loans whose terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 357.25 Td (have been modified in a troubled debt restructuring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 345.25 Td (\(TDR\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 333.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 333.25 Td (Includes both accrual and non-accrual ) Tj ET Q q 0 0 0 rg BT 208.47 333.25 Td (TDRs.) Tj ET Q endstream endobj 159 0 obj <> endobj 160 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (79) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Non-Accrual Loans) 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 36.50 662.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 662.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 662.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 662.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 662.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 662.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 634.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 634.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 634.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 634.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 634.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 634.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 606.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 606.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 606.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 606.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 606.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 606.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 578.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 578.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 578.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 578.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 578.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 578.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 550.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 550.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 550.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 550.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 550.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 550.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 522.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 522.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 522.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 522.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 522.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 522.75 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 271.5 676.75 m 332.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 676.75 m 393.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 676.75 m 454.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 676.75 m 515.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 676.75 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 271.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 662.75 m 332.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 662.75 m 393.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 662.75 m 454.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 662.75 m 515.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 662.75 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 36.5 592.75 m 271.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 592.75 m 332.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 592.75 m 393.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 592.75 m 454.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 592.75 m 515.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 592.75 m 576.5 592.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 578.75 m 332.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 578.75 m 393.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 578.75 m 454.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 578.75 m 515.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 578.75 m 576.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 578.75 m 271.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 578.75 m 332.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 578.75 m 393.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 578.75 m 454.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 578.75 m 515.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 578.75 m 576.5 578.75 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 271.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 508.75 m 271.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 522.75 m 332.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 508.75 m 332.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 522.75 m 393.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 508.75 m 393.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 522.75 m 454.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 508.75 m 454.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 522.75 m 515.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 508.75 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 515.5 522.75 m 576.5 522.75 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 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 271.5 494.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 494.75 m 332.5 494.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 494.75 m 393.5 494.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 494.75 m 454.5 494.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 494.75 m 515.5 494.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 494.75 m 576.5 494.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.30 681.20 Td (December) Tj ET Q q 0 0 0 rg BT 436.19 681.20 Td ( 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 292.50 667.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 667.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 667.21 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 667.21 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 667.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 653.20 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 149.49 657.28 Td (\(1\)\(2\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 639.20 Td (North ) Tj ET Q q 0 0 0 rg BT 62.17 639.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 639.20 Td (483) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 639.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 639.21 Td (784) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 639.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 639.21 Td (984) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 639.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 639.21 Td (818) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 639.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 639.21 Td (321) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 625.20 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 625.20 Td (375) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 625.21 Td (849) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 625.21 Td (904) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 625.21 Td (347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 625.21 Td (285) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 611.20 Td (Latin ) Tj ET Q q 0 0 0 rg BT 60.17 611.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 611.20 Td (230) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 611.21 Td (280) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 611.21 Td (379) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 611.21 Td (303) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 611.21 Td (417) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 597.20 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 597.20 Td (223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 597.21 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 597.21 Td (154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 597.21 Td (128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 597.21 Td (179) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 583.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 583.20 Td (otal corporate non-accrual loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 583.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 583.20 Td (1,31) Tj ET Q q 0 0 0 rg BT 324.50 583.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 583.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 583.21 Td (1,942) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 583.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 583.21 Td (2,421) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 583.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 583.21 Td (1,596) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 583.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 583.21 Td (1,202) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 569.20 Td (Consumer) Tj ET Q q 0 0 0 rg BT 78.84 569.20 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 149.34 573.28 Td (\(1\)\(3\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 555.20 Td (North ) Tj ET Q q 0 0 0 rg BT 62.17 555.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 555.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 555.20 Td (1,241) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 555.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 555.21 Td (1,650) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 555.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 555.21 Td (2,160) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 555.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 555.21 Td (2,515) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 555.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 555.21 Td (4,41) Tj ET Q q 0 0 0 rg BT 568.50 555.21 Td (1) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 541.20 Td (Latin ) Tj ET Q q 0 0 0 rg BT 60.09 541.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 541.20 Td (715) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 541.21 Td (756) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 541.21 Td (71) Tj ET Q q 0 0 0 rg BT 446.50 541.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 541.21 Td (874) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 541.21 Td (1,188) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 527.20 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 55.00 531.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 527.20 Td (270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 527.21 Td (284) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 527.21 Td (287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 527.21 Td (269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 527.21 Td (306) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 513.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 513.20 Td (otal consumer) Tj ET Q q 0 0 0 rg BT 98.34 513.20 Td ( non-accrual loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 513.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 513.20 Td (2,226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 513.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 513.21 Td (2,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 513.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 513.21 Td (3,158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 513.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 513.21 Td (3,658) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 513.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 513.21 Td (5,905) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 499.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 499.20 Td (otal non-accrual loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 499.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 499.20 Td (3,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 499.21 Td (4,632) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 499.21 Td (5,579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 499.21 Td (5,254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 499.21 Td (7,107) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 477.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 477.65 Td (Excludes purchased distressed loans, as they are generally accreting interest. ) Tj ET Q q 0 0 0 rg BT 300.87 477.65 Td (The carrying value of these loans was $128 million at December31, 2018, $167 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 468.05 Td (million at December31, 2017, $187 million at December 31, 2016, $250 million at December31, 2015 and $421 million at December31, 2014.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 458.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 458.45 Td (The 2016 increase in corporate non-accrual loans was primarily related to Citi) Tj ET Q q 0 0 0 rg BT 306.13 458.45 Td (s ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 311.24 458.45 Td (North ) Tj ET Q q 0 0 0 rg BT 331.77 458.45 Td (America ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.87 458.45 Td (and) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 372.42 458.45 Td ( EMEA) Tj ET Q q 0 0 0 rg BT 395.60 458.45 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.60 458.45 Td (ener) Tj ET Q q 0 0 0 rg BT 411.22 458.45 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 448.39 458.45 Td (gy-related corporate credit exposure.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 448.85 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 448.85 Td (The 2015 decline in consumer non-accrual loans includes the impact related to the transfer of approximately $8 billion of mortgage loans to Loans HFS \(included ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 439.25 Td (within) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 74.45 439.25 Td ( Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 116.22 439.25 Td (\). ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 429.65 Td (\(4\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 429.65 Td (Asia ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.22 429.65 Td (includes balances in certain ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 160.41 429.65 Td (EMEA) Tj ET Q q 0 0 0 rg BT 181.59 429.65 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 183.59 429.65 Td (countries for all periods presented.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 408.05 Td (The changes in Citigroup) Tj ET Q q 0 0 0 rg BT 140.15 408.05 Td (s non-accrual loans were as follows:) Tj ET Q 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 36.50 340.55 174.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 210.50 340.55 61.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 271.50 340.55 61.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 332.50 340.55 61.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 393.50 340.55 61.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 454.50 340.55 61.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 515.50 340.55 61.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 36.50 311.55 174.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 210.50 311.55 61.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 271.50 311.55 61.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 332.50 311.55 61.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 393.50 311.55 61.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 454.50 311.55 61.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 515.50 311.55 61.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 36.50 282.55 174.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 210.50 282.55 61.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 271.50 282.55 61.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 332.50 282.55 61.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 393.50 282.55 61.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 454.50 282.55 61.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 515.50 282.55 61.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 36.50 252.55 174.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 210.50 252.55 61.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 271.50 252.55 61.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 332.50 252.55 61.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 393.50 252.55 61.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 454.50 252.55 61.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 515.50 252.55 61.00 -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 210.5 355.54999999999995 m 271.5 355.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 355.54999999999995 m 332.5 355.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 355.54999999999995 m 393.5 355.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 355.54999999999995 m 454.5 355.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 355.54999999999995 m 515.5 355.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 355.54999999999995 m 576.5 355.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 340.54999999999995 m 210.5 340.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 340.54999999999995 m 271.5 340.54999999999995 l s 332.5 355.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 353.54999999999995 l 332.5 351.54999999999995 m 332.5 349.54999999999995 l 332.5 347.54999999999995 m 332.5 345.54999999999995 l 332.5 343.54999999999995 m 332.5 341.54999999999995 l 332.5 340.54999999999995 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 340.54999999999995 m 332.5 340.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 340.54999999999995 m 393.5 340.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 355.54999999999995 m 393.5 340.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 355.54999999999995 m 454.5 355.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 340.54999999999995 m 454.5 340.54999999999995 l s 515.5 355.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 353.54999999999995 l 515.5 351.54999999999995 m 515.5 349.54999999999995 l 515.5 347.54999999999995 m 515.5 345.54999999999995 l 515.5 343.54999999999995 m 515.5 341.54999999999995 l 515.5 340.54999999999995 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 355.54999999999995 m 515.5 355.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 340.54999999999995 m 515.5 340.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 355.54999999999995 m 576.5 355.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 340.54999999999995 m 576.5 340.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 340.54999999999995 m 271.5 340.54999999999995 l s 332.5 340.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 338.54999999999995 l 332.5 336.54999999999995 m 332.5 334.54999999999995 l 332.5 332.54999999999995 m 332.5 330.54999999999995 l 332.5 328.54999999999995 m 332.5 326.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 340.54999999999995 m 332.5 340.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 340.54999999999995 m 393.5 340.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 340.54999999999995 m 393.5 326.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 340.54999999999995 m 454.5 340.54999999999995 l s 515.5 340.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 338.54999999999995 l 515.5 336.54999999999995 m 515.5 334.54999999999995 l 515.5 332.54999999999995 m 515.5 330.54999999999995 l 515.5 328.54999999999995 m 515.5 326.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 340.54999999999995 m 515.5 340.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 340.54999999999995 m 576.5 340.54999999999995 l s 332.5 326.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 324.54999999999995 l 332.5 322.54999999999995 m 332.5 320.54999999999995 l 332.5 318.54999999999995 m 332.5 316.54999999999995 l 332.5 314.54999999999995 m 332.5 312.54999999999995 l 332.5 311.54999999999995 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 326.54999999999995 m 393.5 311.54999999999995 l s 515.5 326.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 324.54999999999995 l 515.5 322.54999999999995 m 515.5 320.54999999999995 l 515.5 318.54999999999995 m 515.5 316.54999999999995 l 515.5 314.54999999999995 m 515.5 312.54999999999995 l 515.5 311.54999999999995 m s 332.5 311.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 309.54999999999995 l 332.5 307.54999999999995 m 332.5 305.54999999999995 l 332.5 303.54999999999995 m 332.5 301.54999999999995 l 332.5 299.54999999999995 m 332.5 297.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 311.54999999999995 m 393.5 297.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 311.54999999999995 m 393.5 297.54999999999995 l s 515.5 311.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 309.54999999999995 l 515.5 307.54999999999995 m 515.5 305.54999999999995 l 515.5 303.54999999999995 m 515.5 301.54999999999995 l 515.5 299.54999999999995 m 515.5 297.54999999999995 l s 332.5 297.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 295.54999999999995 l 332.5 293.54999999999995 m 332.5 291.54999999999995 l 332.5 289.54999999999995 m 332.5 287.54999999999995 l 332.5 285.54999999999995 m 332.5 283.54999999999995 l 332.5 282.54999999999995 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 297.54999999999995 m 393.5 282.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 297.54999999999995 m 393.5 282.54999999999995 l s 515.5 297.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 295.54999999999995 l 515.5 293.54999999999995 m 515.5 291.54999999999995 l 515.5 289.54999999999995 m 515.5 287.54999999999995 l 515.5 285.54999999999995 m 515.5 283.54999999999995 l 515.5 282.54999999999995 m s 332.5 282.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 280.54999999999995 l 332.5 278.54999999999995 m 332.5 276.54999999999995 l 332.5 274.54999999999995 m 332.5 272.54999999999995 l 332.5 270.54999999999995 m 332.5 268.54999999999995 l 332.5 267.54999999999995 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 282.54999999999995 m 393.5 267.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 282.54999999999995 m 393.5 267.54999999999995 l s 515.5 282.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 280.54999999999995 l 515.5 278.54999999999995 m 515.5 276.54999999999995 l 515.5 274.54999999999995 m 515.5 272.54999999999995 l 515.5 270.54999999999995 m 515.5 268.54999999999995 l 515.5 267.54999999999995 m s 332.5 267.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 265.54999999999995 l 332.5 263.54999999999995 m 332.5 261.54999999999995 l 332.5 259.54999999999995 m 332.5 257.54999999999995 l 332.5 255.54999999999995 m 332.5 253.54999999999995 l 332.5 252.54999999999995 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 267.54999999999995 m 393.5 252.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 267.54999999999995 m 393.5 252.54999999999995 l s 515.5 267.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 265.54999999999995 l 515.5 263.54999999999995 m 515.5 261.54999999999995 l 515.5 259.54999999999995 m 515.5 257.54999999999995 l 515.5 255.54999999999995 m 515.5 253.54999999999995 l 515.5 252.54999999999995 m s 332.5 252.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 250.54999999999995 l 332.5 248.54999999999995 m 332.5 246.54999999999995 l 332.5 244.54999999999995 m 332.5 242.54999999999995 l 332.5 240.54999999999995 m 332.5 238.54999999999995 l 332.5 237.54999999999995 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 252.54999999999995 m 393.5 237.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 252.54999999999995 m 393.5 237.54999999999995 l s 515.5 252.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 250.54999999999995 l 515.5 248.54999999999995 m 515.5 246.54999999999995 l 515.5 244.54999999999995 m 515.5 242.54999999999995 l 515.5 240.54999999999995 m 515.5 238.54999999999995 l 515.5 237.54999999999995 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 237.54999999999995 m 576.5 237.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 237.54999999999995 m 210.5 237.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 222.54999999999995 m 210.5 222.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 237.54999999999995 m 271.5 237.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 222.54999999999995 m 271.5 222.54999999999995 l s 332.5 237.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 235.54999999999995 l 332.5 233.54999999999995 m 332.5 231.54999999999995 l 332.5 229.54999999999995 m 332.5 227.54999999999995 l 332.5 225.54999999999995 m 332.5 223.54999999999995 l 332.5 222.54999999999995 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 237.54999999999995 m 332.5 237.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 222.54999999999995 m 332.5 222.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 237.54999999999995 m 393.5 222.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 237.54999999999995 m 393.5 237.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 222.54999999999995 m 393.5 222.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 237.54999999999995 m 454.5 237.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 222.54999999999995 m 454.5 222.54999999999995 l s 515.5 237.54999999999995 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 235.54999999999995 l 515.5 233.54999999999995 m 515.5 231.54999999999995 l 515.5 229.54999999999995 m 515.5 227.54999999999995 l 515.5 225.54999999999995 m 515.5 223.54999999999995 l 515.5 222.54999999999995 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 237.54999999999995 m 515.5 237.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 222.54999999999995 m 515.5 222.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 237.54999999999995 m 576.5 237.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 222.54999999999995 m 576.5 222.54999999999995 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.95 375.00 Td (Y) Tj ET Q q 0 0 0 rg BT 285.95 375.00 Td (ear) Tj ET Q q 0 0 0 rg BT 297.86 375.00 Td ( ended) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.30 375.01 Td (Y) Tj ET Q q 0 0 0 rg BT 470.35 375.01 Td (ear ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.20 360.00 Td (December) Tj ET Q q 0 0 0 rg BT 304.09 360.00 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.10 360.01 Td (December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 344.80 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 345.00 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.55 345.00 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.65 345.00 Td (T) Tj ET Q q 0 0 0 rg BT 357.83 345.00 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.50 345.01 Td (Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.00 345.01 Td (Consumer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.30 345.01 Td (T) Tj ET Q q 0 0 0 rg BT 541.17 345.01 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 331.00 Td (Non-accrual loans at beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.00 331.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.75 331.00 Td (1,942) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 331.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 331.00 Td (2,690) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.00 331.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 331.00 Td (4,632) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 331.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 331.01 Td (2,421) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 331.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 331.01 Td (3,158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 331.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 331.01 Td (5,579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 316.01 Td (Additions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.75 316.00 Td (2,108) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 316.00 Td (3,148) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 316.00 Td (5,256) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 316.01 Td (1,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 316.01 Td (3,508) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 316.01 Td (4,855) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 302.01 Td (Sales and transfers to HFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.50 302.00 Td (\(1) Tj ET Q q 0 0 0 rg BT 259.00 302.00 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.00 302.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 302.00 Td (\(268) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 302.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.50 302.00 Td (\(387) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 302.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 302.01 Td (\(134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 302.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 302.01 Td (\(379) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 302.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 302.01 Td (\(513) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 302.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 287.01 Td (Returned to performing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.50 287.00 Td (\(127) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.00 287.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 287.00 Td (\(629) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 287.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.50 287.00 Td (\(756) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 287.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 287.01 Td (\(47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 287.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 287.01 Td (\(634) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 287.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 287.01 Td (\(681) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 287.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 272.01 Td (Paydowns/settlements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.75 272.00 Td (\(2,282) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.00 272.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 272.00 Td (\(1,052) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 272.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.75 272.00 Td (\(3,334) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 272.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.75 272.01 Td (\(1,400) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 272.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 272.01 Td (\(1,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 272.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 272.01 Td (\(2,563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 272.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 257.01 Td (Char) Tj ET Q q 0 0 0 rg BT 56.41 257.01 Td (ge-of) Tj ET Q q 0 0 0 rg BT 75.24 257.01 Td (fs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.50 257.00 Td (\(196) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.00 257.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 257.00 Td (\(1,634) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 257.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.75 257.00 Td (\(1,830) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 257.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 257.01 Td (\(144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 257.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 257.01 Td (\(1,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 257.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 257.01 Td (\(2,013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 257.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 242.01 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.00 242.00 Td (\(15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.00 242.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.00 242.00 Td (\(29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 242.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 242.00 Td (\(44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 242.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 242.01 Td (\(101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 242.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 242.01 Td (69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 242.01 Td (\(32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 242.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 227.00 Td (Ending balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.00 227.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.75 227.00 Td (1,31) Tj ET Q q 0 0 0 rg BT 263.50 227.00 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 227.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 227.00 Td (2,226) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.00 227.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 227.00 Td (3,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 227.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 227.01 Td (1,942) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 227.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 227.01 Td (2,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 227.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 227.01 Td (4,632) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 161 0 obj <> endobj 162 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 /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Non-Accrual ) Tj ET Q q 0 0 0 rg BT 92.02 749.25 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 other real estate owned \(OREO\) assets as of the periods indicated. ) Tj ET Q q 0 0 0 rg BT 467.64 737.25 Td (This represents the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 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 36.00 713.25 Td (collateral:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 674.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 674.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 674.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 674.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 674.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 674.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 646.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 646.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 646.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 646.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 646.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 646.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 618.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 618.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 618.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 618.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 618.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 618.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 590.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 590.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 590.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 590.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 590.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 590.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 562.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 562.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 562.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 562.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 562.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 562.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 534.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 534.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 534.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 534.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 534.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 534.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 506.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 506.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 506.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 506.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 506.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 506.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 478.75 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 478.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 478.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 478.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 478.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 478.75 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 271.5 688.75 m 332.5 688.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 688.75 m 393.5 688.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 688.75 m 454.5 688.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 688.75 m 515.5 688.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 688.75 m 576.5 688.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 674.75 m 271.5 674.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 674.75 m 332.5 674.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 674.75 m 393.5 674.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 688.75 m 454.5 688.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 674.75 m 454.5 674.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 674.75 m 515.5 674.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 674.75 m 576.5 674.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 604.75 m 271.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 604.75 m 332.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 604.75 m 393.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 604.75 m 454.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 604.75 m 515.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 604.75 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 36.5 604.75 m 271.5 604.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 590.75 m 271.5 590.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 604.75 m 332.5 604.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 590.75 m 332.5 590.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 604.75 m 393.5 604.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 590.75 m 393.5 590.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 604.75 m 454.5 604.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 590.75 m 454.5 590.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 604.75 m 515.5 604.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 590.75 m 515.5 590.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 604.75 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 515.5 590.75 m 576.5 590.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 590.75 m 332.5 590.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 590.75 m 393.5 590.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 590.75 m 454.5 590.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 590.75 m 515.5 590.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 590.75 m 576.5 590.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 548.75 m 271.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 548.75 m 454.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 548.75 m 515.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 548.75 m 576.5 548.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 534.75 m 271.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 548.75 m 332.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 548.75 m 393.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 548.75 m 454.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 548.75 m 515.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 548.75 m 576.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 520.75 m 271.5 520.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 534.75 m 332.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 520.75 m 332.5 520.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 534.75 m 393.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 520.75 m 393.5 520.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 534.75 m 454.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 520.75 m 454.5 520.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 534.75 m 515.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 520.75 m 515.5 520.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 534.75 m 576.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 520.75 m 576.5 520.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 506.75 m 271.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 520.75 m 332.5 520.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 506.75 m 332.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 520.75 m 393.5 520.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 506.75 m 393.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 520.75 m 454.5 520.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 506.75 m 454.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 520.75 m 515.5 520.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 506.75 m 515.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 520.75 m 576.5 520.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 506.75 m 576.5 506.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 506.75 m 332.5 506.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 506.75 m 393.5 506.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 506.75 m 454.5 506.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 506.75 m 515.5 506.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 506.75 m 576.5 506.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 464.75 m 271.5 464.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 464.75 m 332.5 464.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 464.75 m 393.5 464.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 464.75 m 454.5 464.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 464.75 m 515.5 464.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 464.75 m 576.5 464.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.30 693.20 Td (December) Tj ET Q q 0 0 0 rg BT 436.19 693.20 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 679.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 679.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 679.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 679.21 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 679.21 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 679.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 665.20 Td (OREO) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 65.50 669.28 Td (\(1\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 651.20 Td (North ) Tj ET Q q 0 0 0 rg BT 62.17 651.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 651.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 651.20 Td (64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 651.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 651.21 Td (89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 651.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 651.21 Td (161) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 651.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 651.21 Td (166) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 651.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 651.21 Td (196) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 637.20 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 637.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 637.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 637.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 637.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 637.21 Td (7) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 623.20 Td (Latin ) Tj ET Q q 0 0 0 rg BT 60.17 623.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 623.20 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 623.21 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 623.21 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 623.21 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 623.21 Td (47) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 609.20 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 609.20 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 609.21 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 609.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 609.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 609.21 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 595.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 595.20 Td (otal OREO) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 595.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 595.20 Td (99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 595.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 595.21 Td (144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 595.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 595.21 Td (186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 595.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 595.21 Td (209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 595.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 595.21 Td (260) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 581.20 Td (Non-accrual assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 567.21 Td (Corporate non-accrual loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 567.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 567.20 Td (1,31) Tj ET Q q 0 0 0 rg BT 318.50 567.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 567.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 567.21 Td (1,942) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 567.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 567.21 Td (2,421) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 567.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 567.21 Td (1,596) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 567.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 567.21 Td (1,202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 553.21 Td (Consumer non-accrual loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 141.97 557.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 553.20 Td (2,226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 553.21 Td (2,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 553.21 Td (3,158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 553.21 Td (3,658) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 553.21 Td (5,905) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 539.21 Td (Non-accrual loans \(NAL\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 539.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 539.20 Td (3,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 539.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 539.21 Td (4,632) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 539.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 539.21 Td (5,579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 539.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 539.21 Td (5,254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 539.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 539.21 Td (7,107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 525.21 Td (OREO) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 525.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 525.20 Td (99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 525.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 525.21 Td (144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 525.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 525.21 Td (186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 525.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 525.21 Td (209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 525.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 525.21 Td (260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 511.21 Td (Non-accrual assets \(NAA\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 511.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 511.20 Td (3,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 511.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 511.21 Td (4,776) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 511.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 511.21 Td (5,765) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 511.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 511.21 Td (5,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 511.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 511.21 Td (7,367) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 497.21 Td (NAL) Tj ET Q q 0 0 0 rg BT 57.33 497.21 Td ( as a percentage of total loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 497.20 Td (0.52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 497.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 497.21 Td (0.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 497.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 497.21 Td (0.89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 497.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 497.21 Td (0.85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 497.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 497.21 Td (1.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 497.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 483.21 Td (NAA) Tj ET Q q 0 0 0 rg BT 58.00 483.21 Td ( as a percentage of total assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 483.20 Td (0.19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.75 483.21 Td (0.26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 483.21 Td (0.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 483.21 Td (0.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 483.21 Td (0.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 469.21 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 219.93 473.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 469.20 Td (348) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 469.21 Td (267) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 469.21 Td (216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 469.21 Td (240) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 469.21 Td (225) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 443.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 443.65 Td (Reflects a decrease of $130 million related to the adoption of ) Tj ET Q q 0 0 0 rg BT 251.05 443.65 Td (ASU 2014-14 in 2014, which requires certain government guaranteed mortgage loans to be ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 434.05 Td (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 36.00 424.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 424.45 Td (The 2015 decline in consumer non-accrual loans includes the impact related to the transfer of approximately $8 billion of mortgage loans to Loans HFS \(included ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 414.85 Td (within) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 74.45 414.85 Td ( Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 116.22 414.85 Td (\). ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 405.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 405.25 Td (The allowance for loan losses includes the allowance for Citi) Tj ET Q q 0 0 0 rg BT 251.49 405.25 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 54.00 395.65 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 517.68 395.65 Td (ge-of) Tj ET Q q 0 0 0 rg BT 534.42 395.65 Td (f.) 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 33.60 Td (81) 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 36.50 523.75 173.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 523.75 41.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 523.75 38.00 -15.00 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 36.5 549.75 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 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 36.5 523.75 m 209.5 523.75 l s 0 0 0 RG /GS0 gs 1.00 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 209.5 523.75 m 250.5 523.75 l s 0 0 0 RG /GS0 gs 1.00 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 2.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 523.75 m 288.5 523.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 523.75 m 250.5 523.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 523.75 m 288.5 523.75 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 209.5 456.75 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 36.5 443.75 m 209.5 443.75 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 209.5 443.75 m 250.5 443.75 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 250.5 443.75 m 288.5 443.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 443.75 m 250.5 443.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 443.75 m 288.5 443.75 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 209.5 391.75 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 250.5 391.75 m 288.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 378.75 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 1.00 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 36.5 365.75 m 209.5 365.75 l s 0 0 0 RG /GS0 gs 1.00 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 2.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 365.75 m 250.5 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 378.75 m 288.5 378.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 365.75 m 288.5 365.75 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 (2018) 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 (2017) 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. of) Tj ET Q q 0 0 0 rg BT 74.42 684.01 Td (fices) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 671.15 Td (188) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 671.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 671.01 Td (225) 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 /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 658.15 Td (1) Tj ET Q q 0 0 0 rg BT 238.00 658.15 Td (1) Tj ET Q q 0 0 0 rg BT 242.50 658.15 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 658.01 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 645.01 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 645.15 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 645.01 Td (33) 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 242.50 632.15 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 632.01 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 619.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 619.01 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 619.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 619.15 Td (317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 619.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 619.01 Td (393) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 606.01 Td (In of) Tj ET Q q 0 0 0 rg BT 56.16 606.01 Td (fices outside the U.S.) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 593.15 Td (226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 593.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 593.01 Td (392) 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 /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 580.15 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 580.01 Td (1) Tj ET Q 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 (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.50 567.15 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 567.01 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 554.01 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 554.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 554.01 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 541.01 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 541.01 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 541.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 541.15 Td (247) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 541.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 541.01 Td (425) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 528.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 528.15 Td (otal corporate r) Tj ET Q q 0 0 0 rg BT 104.57 528.15 Td (enegotiated loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 528.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 528.15 Td (564) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 528.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 528.01 Td (818) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 513.20 Td (Consumer) Tj ET Q q 0 0 0 rg BT 78.84 513.20 Td ( r) Tj ET Q q 0 0 0 rg BT 84.92 513.20 Td (enegotiated loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 151.17 517.28 Td (\(3\)\(4\)\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 500.01 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 500.01 Td (fices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 487.01 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 133.71 491.09 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 487.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 487.15 Td (2,520) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 487.01 Td (3,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 474.01 Td (Cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 474.15 Td (1,338) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 474.01 Td (1,246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 461.01 Td (Installment and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 461.15 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 461.01 Td (169) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 448.01 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 448.01 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 448.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 448.15 Td (3,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 448.01 Td (5,124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 435.01 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 435.01 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 422.01 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 422.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 422.15 Td (31) Tj ET Q q 0 0 0 rg BT 242.50 422.15 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 422.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 422.01 Td (345) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 409.01 Td (Cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 409.15 Td (480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 409.01 Td (541) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 396.01 Td (Installment and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 396.15 Td (415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 396.01 Td (427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 383.01 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 383.01 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 383.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 383.15 Td (1,206) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 383.01 Td (1,313) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 370.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 370.15 Td (otal consumer) Tj ET Q q 0 0 0 rg BT 98.26 370.15 Td ( r) Tj ET Q q 0 0 0 rg BT 104.34 370.15 Td (enegotiated loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 370.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 370.15 Td (5,150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 370.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 370.01 Td (6,437) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 348.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 348.65 Td (Includes $466million and $715million of non-accrual loans included in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 339.05 Td (the non-accrual loans table above at December31, 2018 and 2017, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 329.45 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 329.45 Td (. ) Tj ET Q q 0 0 0 rg BT 95.98 329.45 Td (The remaining loans are accruing interest.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 319.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 319.85 Td (In addition to modifications reflected as ) Tj ET Q q 0 0 0 rg BT 183.59 319.85 Td (TDRs at December31, 2018 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 310.25 Td (and 2017, Citi also modified $0 million and $51 million in of) Tj ET Q q 0 0 0 rg BT 249.84 310.25 Td (fices in the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 300.65 Td (U.S., and $2million and $95million in of) Tj ET Q q 0 0 0 rg BT 188.30 300.65 Td (fices outside of the U.S., ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 291.05 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 291.05 Td (, of commercial loans risk rated Substandard Non-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 281.45 Td (Performing or worse \(asset category defined by banking regulators\). ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 271.85 Td (These modifications were not considered ) Tj ET Q q 0 0 0 rg BT 187.37 271.85 Td (TDRs because the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 262.25 Td (modifications did not involve a concession.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 252.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 252.65 Td (Includes $1,015 million and $1,376 million of non-accrual loans ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 243.05 Td (included in the non-accrual loans table above at December31, 2018 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 233.45 Td (2017, respectively) Tj ET Q q 0 0 0 rg BT 112.13 233.45 Td (. ) Tj ET Q q 0 0 0 rg BT 115.98 233.45 Td (The remaining loans are accruing interest.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 223.85 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 223.85 Td (Includes $17 million and $26 million of commercial real estate loans at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 214.25 Td (December31, 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 190.55 214.25 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 204.65 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 204.65 Td (Includes $101 million and $165 million of other commercial loans at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 195.05 Td (December31, 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 190.55 195.05 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 185.45 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 185.45 Td (Reduction in 2018 includes $919 million related to ) Tj ET Q q 0 0 0 rg BT 218.72 185.45 Td (TDRs sold or ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 175.85 Td (transferred to HFS.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Forgone Inter) Tj ET Q q 0 0 0 rg BT 383.53 749.25 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 476.03 753.33 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 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 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 8.00 Tf ET q 0 0 0 rg BT 327.00 699.00 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 (2018) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 658.20 Td (683) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.00 658.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 658.20 Td (458) 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 (1,141) 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 (217) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 635.20 Td (128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 635.20 Td (345) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 621.20 Td (Forgone inter) Tj ET Q q 0 0 0 rg BT 385.57 621.20 Td (est) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 612.20 Td (r) Tj ET Q q 0 0 0 rg BT 336.83 612.20 Td (evenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 612.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 612.20 Td (466) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.00 612.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 612.20 Td (330) 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 (796) 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 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 (82) 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 (Overview) 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 geopolitical and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 643.90 Td (macroeconomic conditions. 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 (\(iii\) maintaining suf) Tj ET Q q 0 0 0 rg BT 115.80 595.90 Td (ficient liquidity) Tj ET Q q 0 0 0 rg BT 177.09 595.90 Td (, structured appropriately) Tj ET Q q 0 0 0 rg BT 277.24 595.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 583.90 Td (so that Citi can operate under a variety of adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 571.90 Td (circumstances, including potential Company-specific and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 559.90 Td (market liquidity events in varying durations and severity) Tj ET Q q 0 0 0 rg BT 261.69 559.90 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 547.90 Td (\(iv\) satisfying regulatory requirements, including, among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 535.90 Td (other things, those related to resolution planning \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 523.90 Td (additional information, see Resolution Plan and T) Tj ET Q q 0 0 0 rg BT 247.75 523.90 Td (otal Loss-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 511.90 Td (Absorbing Capacity \(TLAC\) below\). Citigroup) Tj ET Q q 0 0 0 rg BT 232.35 511.90 Td (s primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 499.90 Td (liquidity objectives are established by entity) Tj ET Q q 0 0 0 rg BT 211.70 499.90 Td (, and in aggregate, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 487.90 Td (across two major categories:) Tj ET Q BT /F1 5.00 Tf ET q 0 0 0 rg BT 36.00 481.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 469.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 469.90 Td (Citibank \(including Citibank Europe plc, Citibank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 457.90 Td (Singapore Ltd. and Citibank \(Hong Kong\) Ltd.\); and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 445.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 445.90 Td (the non-bank and other) Tj ET Q q 0 0 0 rg BT 146.07 445.90 Td (, which includes the parent holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 433.90 Td (company \(Citigroup\), Citi) Tj ET Q q 0 0 0 rg BT 160.93 433.90 Td (s primary intermediate holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 421.90 Td (company \(Citicorp LLC\), Citi) Tj ET Q q 0 0 0 rg BT 176.76 421.90 Td (s broker) Tj ET Q q 0 0 0 rg BT 209.05 421.90 Td (-dealer subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 409.90 Td (\(including Citigroup Global Markets Inc., Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 397.90 Td (Global Markets Ltd. and Citigroup Global Markets Japan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 385.90 Td (Inc.\) and other bank and non-bank subsidiaries that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 373.90 Td (consolidated into Citigroup \(including Citibanamex\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 349.90 Td (At an aggregate level, Citigroup) Tj ET Q q 0 0 0 rg BT 185.35 349.90 Td (s goal is to maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 337.90 Td (suf) Tj ET Q q 0 0 0 rg BT 48.04 337.90 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 36.00 325.90 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 36.00 313.90 Td (quality liquid assets \(as discussed below\), even in times of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 301.90 Td (stress. ) Tj ET Q q 0 0 0 rg BT 63.04 301.90 Td (The liquidity risk management framework provides that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 289.90 Td (in addition to the aggregate requirements, certain entities be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 277.90 Td (self-suf) Tj ET Q q 0 0 0 rg BT 65.81 277.90 Td (ficient or net providers of liquidity) Tj ET Q q 0 0 0 rg BT 203.74 277.90 Td (, including in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 265.90 Td (conditions established under their designated stress tests.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 253.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 253.90 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 36.00 241.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 241.90 Td (s bank subsidiaries, which are Citi) Tj ET Q q 0 0 0 rg BT 193.76 241.90 Td (s most stable and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 229.90 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 36.00 217.90 Td (\(primarily senior and subordinated debt\) primarily issued at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 205.90 Td (the parent and certain bank subsidiaries, and \(iii\)stockholders) Tj ET Q q 0 0 0 rg BT 286.57 205.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 193.90 Td (equity) Tj ET Q q 0 0 0 rg BT 60.35 193.90 Td (. ) Tj ET Q q 0 0 0 rg BT 65.17 193.90 Td (These sources may be supplemented by short-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 181.90 Td (borrowings, primarily in the form of secured funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 169.90 Td (transactions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 157.90 Td (As referenced above, Citi works to ensure that the tenor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 145.90 Td (of these funding sources is suf) Tj ET Q q 0 0 0 rg BT 157.19 145.90 Td (ficiently long in relation to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (tenor of its asset base. ) Tj ET Q q 0 0 0 rg BT 414.35 749.10 Td (The goal of Citi) Tj ET Q q 0 0 0 rg BT 480.73 749.10 Td (s asset/liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (management is to ensure that there is excess liquidity and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (tenor in the liability structure relative to the liquidity profile of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (the assets. ) Tj ET Q q 0 0 0 rg BT 366.87 713.10 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 324.00 701.10 Td (before asset maturities or monetizations through sale. ) Tj ET Q q 0 0 0 rg BT 539.87 701.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (excess liquidity is held primarily in the form of high-quality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (liquid assets \(HQLA\), as set forth in the table below) Tj ET Q q 0 0 0 rg BT 532.19 677.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 665.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 665.10 Td (s ) Tj ET Q q 0 0 0 rg BT 365.99 665.10 Td (T) Tj ET Q q 0 0 0 rg BT 371.75 665.10 Td (reasurer has overall responsibility for management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (of Citi) Tj ET Q q 0 0 0 rg BT 352.61 653.10 Td (s HQLA. Citi) Tj ET Q q 0 0 0 rg BT 409.56 653.10 Td (s liquidity is managed via a centralized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (treasury model by Corporate ) Tj ET Q q 0 0 0 rg BT 441.01 641.10 Td (T) Tj ET Q q 0 0 0 rg BT 446.76 641.10 Td (reasury) Tj ET Q q 0 0 0 rg BT 475.54 641.10 Td (, in conjunction with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 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 324.00 617.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 617.10 Td (s HQLA) Tj ET Q q 0 0 0 rg BT 375.40 617.10 Td ( are managed with emphasis on asset-liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (management and entity-level liquidity adequacy throughout ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Citi.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 581.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 581.10 Td (s Chief Risk Of) Tj ET Q q 0 0 0 rg BT 422.10 581.10 Td (ficer is responsible for the overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (liquidity risk profile of Citi. ) Tj ET Q q 0 0 0 rg BT 437.70 569.10 Td (The Chief Risk Of) Tj ET Q q 0 0 0 rg BT 511.68 569.10 Td (ficer and Citi) Tj ET Q q 0 0 0 rg BT 567.21 569.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (CFO co-chair Citi) Tj ET Q q 0 0 0 rg BT 398.99 557.10 Td (s ) Tj ET Q q 0 0 0 rg BT 404.83 557.10 Td (Asset Liability Management Committee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (\(ALCO\), which includes Citi) Tj ET Q q 0 0 0 rg BT 443.43 545.10 Td (s ) Tj ET Q q 0 0 0 rg BT 449.64 545.10 Td (T) Tj ET Q q 0 0 0 rg BT 455.40 545.10 Td (reasurer and other senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (executives. ) Tj ET Q q 0 0 0 rg BT 370.65 533.10 Td (ALCO sets the strategy of the liquidity portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (and monitors its performance. Significant changes to portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (asset allocations need to be approved by ) Tj ET Q q 0 0 0 rg BT 487.01 509.10 Td (ALCO.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (Liquidity Monitoring and Measur) Tj ET Q q 0 0 0 rg BT 469.12 485.10 Td (ement) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (Stress T) Tj ET Q q 0 0 0 rg BT 356.14 461.10 Td (esting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (Liquidity stress testing is performed for each of Citi) Tj ET Q q 0 0 0 rg BT 534.51 449.10 Td (s major ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (entities, operating subsidiaries and/or countries. Stress testing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 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 324.00 413.10 Td (impact of an adverse liquidity event on the balance sheet and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (liquidity position, and to identify viable funding alternatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (that can be utilized. ) Tj ET Q q 0 0 0 rg BT 404.62 389.10 Td (These scenarios include assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (about significant changes in key funding sources, market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (triggers \(such as credit ratings\), potential uses of funding and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (geopolitical and macroeconomic conditions. ) Tj ET Q q 0 0 0 rg BT 503.49 353.10 Td (These conditions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (include expected and stressed market conditions as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (Company-specific events.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 317.10 Td (Liquidity stress tests are performed to ascertain potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 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 324.00 293.10 Td (of time horizons and over dif) Tj ET Q q 0 0 0 rg BT 440.18 293.10 Td (ferent stressed conditions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (Liquidity limits are set accordingly) Tj ET Q q 0 0 0 rg BT 463.87 281.10 Td (. ) Tj ET Q q 0 0 0 rg BT 468.69 281.10 Td (T) Tj ET Q q 0 0 0 rg BT 474.10 281.10 Td (o monitor the liquidity of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (an entity) Tj ET Q q 0 0 0 rg BT 358.06 269.10 Td (, these stress tests and potential mismatches are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (calculated with varying frequencies, with several tests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (performed daily) Tj ET Q q 0 0 0 rg BT 387.49 245.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 233.10 Td (Given the range of potential stresses, Citi maintains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (contingency funding plans on a consolidated basis and for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (individual entities. ) Tj ET Q q 0 0 0 rg BT 400.75 209.10 Td (These plans specify a wide range of readily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (available actions for a variety of adverse market conditions or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (idiosyncratic stresses.) 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 (83) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (High-Quality Liquid ) Tj ET Q q 0 0 0 rg BT 126.03 749.25 Td (Assets \(HQLA\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 694.75 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 694.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 694.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 694.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 694.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 694.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 694.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 694.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 694.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 694.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 666.75 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 666.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 666.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 666.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 666.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 666.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 666.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 666.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 666.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 666.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 638.75 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 638.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 638.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 638.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 638.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 638.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 638.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 638.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 638.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 638.75 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 146.5 715.75 m 194.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 715.75 m 241.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 715.75 m 289.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 715.75 m 337.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 715.75 m 432.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 715.75 m 480.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 715.75 m 528.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 715.75 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 36.5 694.75 m 146.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 715.75 m 194.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 694.75 m 194.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 715.75 m 241.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 694.75 m 241.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 715.75 m 289.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 715.75 m 289.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 694.75 m 289.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 694.75 m 337.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 715.75 m 385.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 694.75 m 385.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 715.75 m 432.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 715.75 m 432.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 694.75 m 432.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 694.75 m 480.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 715.75 m 528.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 694.75 m 528.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 715.75 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 528.5 694.75 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 241.5 694.75 m 289.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 694.75 m 289.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 694.75 m 432.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 694.75 m 432.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 680.75 m 289.5 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 680.75 m 432.5 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 666.75 m 289.5 652.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 666.75 m 432.5 652.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 652.75 m 289.5 638.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 652.75 m 432.5 638.75 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 146.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 624.75 m 289.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 638.75 m 289.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 624.75 m 432.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 638.75 m 432.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 624.75 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 528.5 624.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 610.75 m 146.5 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 624.75 m 194.5 624.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 610.75 m 194.5 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 624.75 m 241.5 624.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 610.75 m 241.5 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 624.75 m 289.5 624.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 610.75 m 289.5 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 624.75 m 289.5 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 624.75 m 337.5 624.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 610.75 m 337.5 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 624.75 m 385.5 624.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 610.75 m 385.5 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 624.75 m 432.5 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 624.75 m 432.5 624.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 610.75 m 432.5 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 624.75 m 480.5 624.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 610.75 m 480.5 610.75 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 528.5 624.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 610.75 m 528.5 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 624.75 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 528.5 610.75 m 576.5 610.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.45 720.20 Td (Citibank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.30 720.20 Td (Non-bank and Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.15 720.20 Td (T) Tj ET Q q 0 0 0 rg BT 499.74 720.20 Td (otal) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 699.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 154.85 707.15 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 161.00 698.15 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.60 707.01 Td (Sept. 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.50 698.01 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.85 707.01 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 698.01 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.85 707.15 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 698.15 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.10 707.01 Td (Sept. 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 698.01 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.35 707.01 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.50 698.01 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.85 707.15 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 698.15 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.10 707.01 Td (Sept. 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 698.01 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.85 707.01 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 698.01 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 685.21 Td (A) Tj ET Q q 0 0 0 rg BT 44.83 685.21 Td (vailable cash) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.00 685.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.25 685.20 Td (97.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 197.00 685.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 685.21 Td (105.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 685.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.25 685.21 Td (94.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.00 685.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.25 685.20 Td (27.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 685.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 685.21 Td (35.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 685.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 685.21 Td (30.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.00 685.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 685.20 Td (124.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 685.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.75 685.21 Td (140.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 685.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 685.21 Td (125.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 671.21 Td (U.S. sovereign) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.75 671.20 Td (103.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 671.21 Td (102.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.75 671.21 Td (1) Tj ET Q q 0 0 0 rg BT 270.25 671.21 Td (13.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.25 671.20 Td (24.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 671.21 Td (29.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 671.21 Td (27.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 671.20 Td (127.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.75 671.21 Td (131.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 671.21 Td (141.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 657.21 Td (U.S. agency/agency MBS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.25 657.20 Td (60.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 657.21 Td (56.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.25 657.21 Td (80.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.75 657.20 Td (5.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 657.21 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 657.21 Td (0.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.25 657.20 Td (65.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.25 657.21 Td (62.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 657.21 Td (81.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 643.21 Td (Foreign government debt) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 129.98 647.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.25 643.20 Td (76.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 643.21 Td (74.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.25 643.21 Td (80.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.75 643.20 Td (6.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 643.21 Td (9.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 643.21 Td (16.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.25 643.20 Td (83.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.25 643.21 Td (84.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 643.21 Td (96.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 629.21 Td (Other investment grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 179.75 629.20 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.75 629.21 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.75 629.21 Td (0.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.75 629.20 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 629.21 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 629.21 Td (1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.75 629.20 Td (2.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 629.21 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 629.21 Td (1.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 615.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 615.20 Td (otal HQLA) Tj ET Q q 0 0 0 rg BT 86.93 615.20 Td ( \(A) Tj ET Q q 0 0 0 rg BT 97.52 615.20 Td (VG\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.00 615.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.75 615.20 Td (338.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 197.00 615.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 615.21 Td (338.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 615.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.75 615.21 Td (369.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.00 615.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.25 615.20 Td (65.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 615.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 615.21 Td (82.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 615.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 615.21 Td (76.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.00 615.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 615.20 Td (403.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 615.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.75 615.21 Td (420.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 615.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 615.21 Td (446.4) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 592.05 Td (Note: ) Tj ET Q q 0 0 0 rg BT 55.63 592.05 Td (The amounts set forth in the table above are presented on an average basis. For securities, the amounts represent the liquidity value that potentially could be ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 582.45 Td (realized and, therefore, exclude any securities that are encumbered and incorporate any haircuts that would be required for securities financing transactions. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 572.85 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 572.85 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 54.00 563.25 Td (securities are held lar) Tj ET Q q 0 0 0 rg BT 122.04 563.25 Td (gely to support local liquidity requirements and Citi) Tj ET Q q 0 0 0 rg BT 290.24 563.25 Td (s local franchises and principally include government bonds from Hong Kong, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 553.65 Td (Singapore, Korea, ) Tj ET Q q 0 0 0 rg BT 113.84 553.65 Td (T) Tj ET Q q 0 0 0 rg BT 118.16 553.65 Td (aiwan, India, Mexico and Brazil. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 529.65 Td (The table above includes average amounts of HQLA) Tj ET Q q 0 0 0 rg BT 246.21 529.65 Td ( held at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 517.65 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 517.65 Td (s operating entities that are eligible for inclusion in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 505.65 Td (the calculation of Citigroup) Tj ET Q q 0 0 0 rg BT 149.03 505.65 Td (s consolidated LCR, pursuant to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 493.65 Td (the U.S. LCR rules. ) Tj ET Q q 0 0 0 rg BT 117.21 493.65 Td (These amounts include the HQLA) Tj ET Q q 0 0 0 rg BT 253.84 493.65 Td ( needed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 481.65 Td (to meet the minimum requirements at these entities and any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 469.65 Td (amounts in excess of these minimums that are assumed to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 457.65 Td (transferable to Citigroup. ) Tj ET Q q 0 0 0 rg BT 139.13 457.65 Td (While available liquidity resources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 445.65 Td (at operating entities remained lar) Tj ET Q q 0 0 0 rg BT 167.43 445.65 Td (gely unchanged, the amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 433.65 Td (of HQLA) Tj ET Q q 0 0 0 rg BT 74.05 433.65 Td ( included in the table above declined both year) Tj ET Q q 0 0 0 rg BT 260.45 433.65 Td (-over) Tj ET Q q 0 0 0 rg BT 281.35 433.65 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 421.65 Td (year and quarter) Tj ET Q q 0 0 0 rg BT 100.76 421.65 Td (-over) Tj ET Q q 0 0 0 rg BT 121.66 421.65 Td (-quarter as less HQLA) Tj ET Q q 0 0 0 rg BT 211.36 421.65 Td ( in the operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 409.65 Td (entities was eligible for inclusion in the consolidated metric. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 397.65 Td (Quarter) Tj ET Q q 0 0 0 rg BT 66.34 397.65 Td (-over) Tj ET Q q 0 0 0 rg BT 87.24 397.65 Td (-quarter) Tj ET Q q 0 0 0 rg BT 118.48 397.65 Td (, the decline in HQLA) Tj ET Q q 0 0 0 rg BT 207.07 397.65 Td ( was also driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 385.65 Td (balance sheet optimization as Citi deployed cash to fund loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 373.65 Td (growth and reduce debt levels.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 361.65 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 361.65 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 361.65 Td (s HQLA) Tj ET Q q 0 0 0 rg BT 105.40 361.65 Td ( does not include Citi) Tj ET Q q 0 0 0 rg BT 193.72 361.65 Td (s available borrowing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 349.65 Td (capacity from the Federal Home Loan Banks \(FHLBs\) of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 337.65 Td (which Citi is a member) Tj ET Q q 0 0 0 rg BT 128.92 337.65 Td (, which was approximately $29billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 325.65 Td (as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.24 325.65 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.24 325.65 Td ( \(unchanged from September 30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 313.65 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 313.65 Td ( and compared to $10 billion as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.00 313.65 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 313.65 Td (\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 301.65 Td (and maintained by eligible collateral pledged to such banks. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 289.65 Td (The HQLA) Tj ET Q q 0 0 0 rg BT 81.27 289.65 Td ( also does not include Citi) Tj ET Q q 0 0 0 rg BT 188.20 289.65 Td (s borrowing capacity at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 277.65 Td (the U.S. Federal Reserve Bank discount window or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 265.65 Td (central banks, which would be in addition to the resources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 253.65 Td (noted above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 241.65 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 241.65 Td (In general, Citi) Tj ET Q q 0 0 0 rg BT 117.04 241.65 Td (s liquidity is fungible across legal entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 229.65 Td (within its bank group. Citi) Tj ET Q q 0 0 0 rg BT 144.06 229.65 Td (s bank subsidiaries, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 217.65 Td (Citibank, can lend to the Citi parent and broker) Tj ET Q q 0 0 0 rg BT 224.36 217.65 Td (-dealer entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 205.65 Td (in accordance with Section23A) Tj ET Q q 0 0 0 rg BT 163.18 205.65 Td ( of the Federal Reserve ) Tj ET Q q 0 0 0 rg BT 257.87 205.65 Td (Act. ) Tj ET Q q 0 0 0 rg BT 276.76 205.65 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 193.65 Td (of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.41 193.65 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.41 193.65 Td (, the capacity available for lending to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 181.65 Td (these entities under Section23A) Tj ET Q q 0 0 0 rg BT 164.86 181.65 Td ( was approximately $15 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 169.65 Td (billion, unchanged from both September 30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.41 169.65 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.41 169.65 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 157.65 Td (December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.58 157.65 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 157.65 Td (, subject to certain eligible non-cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 145.65 Td (collateral requirements. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 529.65 Td (Short-T) Tj ET Q q 0 0 0 rg BT 355.31 529.65 Td (erm Liquidity Measurement: Liquidity Coverage ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 517.65 Td (Ratio \(LCR\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 505.65 Td (In addition to internal liquidity stress metrics that Citi has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 493.65 Td (developed for a 30-day stress scenario, Citi also monitors its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 481.65 Td (liquidity by reference to the LCR, as calculated pursuant to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 469.65 Td (U.S. LCR rules.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 457.65 Td (Generally) Tj ET Q q 0 0 0 rg BT 380.77 457.65 Td (, the LCR is designed to ensure that banks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 445.65 Td (maintain an adequate level of HQLA) Tj ET Q q 0 0 0 rg BT 471.45 445.65 Td ( to meet liquidity needs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 433.65 Td (under an acute 30-day stress scenario. ) Tj ET Q q 0 0 0 rg BT 477.93 433.65 Td (The LCR is calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 421.65 Td (by dividing HQLA) Tj ET Q q 0 0 0 rg BT 399.56 421.65 Td ( by estimated net outflows over a stressed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 409.65 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 324.00 397.65 Td (prescribed outflow factors to various categories of liabilities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 385.65 Td (such as deposits, unsecured and secured wholesale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 373.65 Td (borrowings, unused lending commitments and derivatives-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 361.65 Td (related exposures, partially of) Tj ET Q q 0 0 0 rg BT 442.66 361.65 Td (fset by inflows from assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 349.65 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 324.00 337.65 Td (add-on to address potential maturity mismatches between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 325.65 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 324.00 313.65 Td (period in determining the total amount of net outflows. ) Tj ET Q q 0 0 0 rg BT 546.00 313.65 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 301.65 Td (minimum LCR requirement is 100%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 289.65 Td (The table below details the components of Citi) Tj ET Q q 0 0 0 rg BT 531.68 289.65 Td (s LCR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 277.65 Td (calculation and HQLA) Tj ET Q q 0 0 0 rg BT 414.53 277.65 Td ( in excess of net outflows for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 265.65 Td (periods indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 232.15 129.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 232.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 232.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 232.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 204.15 129.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 204.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 204.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 204.15 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 324.5 232.14999999999998 m 453.5 232.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 232.14999999999998 m 494.5 232.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 232.14999999999998 m 535.5 232.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 232.14999999999998 m 576.5 232.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 232.14999999999998 m 494.5 232.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 232.14999999999998 m 535.5 232.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 232.14999999999998 m 576.5 232.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 204.14999999999998 m 453.5 204.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 204.14999999999998 m 494.5 204.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 204.14999999999998 m 535.5 204.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 204.14999999999998 m 576.5 204.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 176.14999999999998 m 453.5 176.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 176.14999999999998 m 494.5 176.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 176.14999999999998 m 535.5 176.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 176.14999999999998 m 576.5 176.14999999999998 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 236.40 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.35 245.60 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.50 236.60 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.60 245.61 Td (Sept. 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.50 236.61 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.35 245.61 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 236.61 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 222.61 Td (HQLA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 222.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.75 222.60 Td (403.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 222.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 222.61 Td (420.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 222.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 222.61 Td (446.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 208.61 Td (Net outflows) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.75 208.60 Td (334.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 208.61 Td (350.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 208.61 Td (364.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 194.61 Td (LCR) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.50 194.60 Td (121) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 194.60 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 194.61 Td (120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 194.61 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 194.61 Td (123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 194.61 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 181.01 Td (HQLA) Tj ET Q q 0 0 0 rg BT 351.50 181.01 Td ( in excess of net outflows) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 180.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 180.60 Td (68.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 180.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 180.61 Td (70.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 180.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 180.61 Td (82.1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 157.45 Td (Note: ) Tj ET Q q 0 0 0 rg BT 343.63 157.45 Td (The amounts are presented on an average basis.) 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 (84) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 749.10 Td (s LCR decreased year) Tj ET Q q 0 0 0 rg BT 159.04 749.10 Td (-over) Tj ET Q q 0 0 0 rg BT 179.94 749.10 Td (-year) Tj ET Q q 0 0 0 rg BT 200.08 749.10 Td (, driven by a decline ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (in average HQLA, partially of) Tj ET Q q 0 0 0 rg BT 156.61 737.10 Td (fset by a decline in modeled net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (outflows. Quarter) Tj ET Q q 0 0 0 rg BT 106.34 725.10 Td (-over) Tj ET Q q 0 0 0 rg BT 127.24 725.10 Td (-quarter) Tj ET Q q 0 0 0 rg BT 158.48 725.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 181.26 725.10 Td (s LCR increased slightly) Tj ET Q q 0 0 0 rg BT 279.21 725.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (as a decline in modeled net outflows more than of) Tj ET Q q 0 0 0 rg BT 235.48 713.10 Td (fset the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (decline in average HQLA) Tj ET Q q 0 0 0 rg BT 138.46 701.10 Td ( \(see High-Quality Liquid ) Tj ET Q q 0 0 0 rg BT 248.43 701.10 Td (Assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (above\). ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (Long-T) Tj ET Q q 0 0 0 rg BT 66.19 665.10 Td (erm Liquidity Measurement: Net Stable Funding ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (Ratio \(NSFR\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (In 2016, the Federal Reserve Board, the FDIC and the OCC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (issued a proposed rule to implement the Basel III NSFR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (requirement. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 605.10 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 605.10 Td (The U.S.-proposed NSFR is lar) Tj ET Q q 0 0 0 rg BT 179.37 605.10 Td (gely consistent with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (Basel Committee) Tj ET Q q 0 0 0 rg BT 107.93 593.10 Td (s final NSFR rules.In general, the NSFR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (assesses the availability of a bank) Tj ET Q q 0 0 0 rg BT 173.46 581.10 Td (s stable funding against a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (required level. ) Tj ET Q q 0 0 0 rg BT 95.70 569.10 Td (A) Tj ET Q q 0 0 0 rg BT 102.37 569.10 Td ( bank) Tj ET Q q 0 0 0 rg BT 127.08 569.10 Td (s available stable funding would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (include portions of equity) Tj ET Q q 0 0 0 rg BT 138.39 557.10 Td (, deposits and long-term debt, while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (its required stable funding would be based on the liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (characteristics and encumbrance period of its assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (derivatives and commitments. Prescribed factors would be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (required to be applied to the various categories of asset and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (liabilities classes. ) Tj ET Q q 0 0 0 rg BT 108.30 497.10 Td (The ratio of available stable funding to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (required stable funding would be required to be greater than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (100%. ) Tj ET Q q 0 0 0 rg BT 64.15 473.10 Td (While Citi believes that it is compliant with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (proposed U.S. NSFR rules as of December 31, 2018, it will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (need to evaluate a final version of the rules, which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (expected to be released in 2019. Citi expects that the NSFR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (final rules implementation period will be communicated along ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (with the final version of the rules.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 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 324.00 725.25 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 324.00 713.25 Td (suf) Tj ET Q q 0 0 0 rg BT 336.04 713.25 Td (ficient liquidity to grow its ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 445.75 713.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.75 713.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 485.19 713.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.41 713.25 Td ( businesses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (including its loan portfolio. Citi maintains a diversified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (portfolio of loans to its consumer and institutional clients. ) Tj ET Q q 0 0 0 rg BT 557.68 689.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (table below details the average loans, by business and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (segment, and the total end-of-period loans for each of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (periods indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 619.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 619.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 619.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 619.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 591.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 591.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 591.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 591.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 563.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 563.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 563.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 563.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 535.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 535.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 535.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 535.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 499.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 499.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 499.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 499.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 460.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 460.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 460.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 460.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 432.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 432.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 432.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 432.75 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 324 619.75 m 455 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 619.75 m 495 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 619.75 m 535 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 619.75 m 575 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324 619.75 m 455 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324 563.75 m 455 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 563.75 m 495 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 563.75 m 535 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 563.75 m 575 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324 549.75 m 455 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 549.75 m 495 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 549.75 m 535 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 549.75 m 575 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324 460.75 m 455 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 460.75 m 495 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 460.75 m 535 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 460.75 m 575 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324 446.75 m 455 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 446.75 m 495 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 460.75 m 535 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 446.75 m 535 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 460.75 m 575 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 446.75 m 575 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324 432.75 m 455 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 446.75 m 495 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 432.75 m 495 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 446.75 m 535 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 432.75 m 535 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 446.75 m 575 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 432.75 m 575 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324 418.75 m 455 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 418.75 m 495 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 418.75 m 535 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 418.75 m 575 418.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324 404.75 m 455 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 418.75 m 495 418.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 455 404.75 m 495 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 418.75 m 535 418.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 495 404.75 m 535 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 418.75 m 575 418.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 535 404.75 m 575 404.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 326.50 624.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.35 633.20 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.50 624.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.60 633.21 Td (Sept. 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.50 624.21 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.35 633.21 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 624.21 Td (2017) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 326.50 610.20 Td (Global Consumer Banking) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 332.50 596.20 Td (North ) Tj ET Q q 0 0 0 rg BT 355.67 596.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 596.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.25 596.20 Td (195.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 596.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 596.21 Td (192.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 596.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 596.21 Td (189.7) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 332.50 582.20 Td (Latin ) Tj ET Q q 0 0 0 rg BT 353.59 582.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.75 582.20 Td (25.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 582.21 Td (26.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.75 582.21 Td (25.7) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 332.50 568.20 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 348.50 572.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.75 568.20 Td (87.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 568.21 Td (87.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.75 568.21 Td (87.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 554.20 Td (T) Tj ET Q q 0 0 0 rg BT 332.09 554.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 554.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.25 554.20 Td (308.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 554.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 554.21 Td (306.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 554.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 554.21 Td (303.3) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 326.50 540.20 Td (Institutional Clients Group) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 526.21 Td (Corporate lending) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 526.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.25 526.20 Td (130.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 526.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 526.21 Td (130.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 526.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 526.21 Td (124.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 513.01 Td (T) Tj ET Q q 0 0 0 rg BT 337.84 513.01 Td (reasury and trade solutions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 504.01 Td (\(TTS\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.75 504.20 Td (77.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 504.21 Td (76.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.75 504.21 Td (77.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 490.21 Td (Private bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.75 490.20 Td (94.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 490.21 Td (92.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.75 490.21 Td (85.9) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 332.50 474.20 Td (Markets and securities services) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.72 474.20 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 465.21 Td (and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.75 465.20 Td (49.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 465.21 Td (45.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.75 465.21 Td (40.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 451.20 Td (T) Tj ET Q q 0 0 0 rg BT 332.09 451.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 451.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.25 451.20 Td (351.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 451.21 Td (346.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 451.21 Td (328.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 437.21 Td (T) Tj ET Q q 0 0 0 rg BT 331.37 437.21 Td (otal ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 347.11 437.21 Td (Corporate/Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 437.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.75 437.20 Td (16.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 437.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 437.21 Td (17.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 437.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.75 437.21 Td (22.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 423.20 Td (T) Tj ET Q q 0 0 0 rg BT 331.68 423.20 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 371.25 423.20 Td (oup loans \(A) Tj ET Q q 0 0 0 rg BT 418.61 423.20 Td (VG\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 423.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.25 423.20 Td (675.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 423.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 423.21 Td (670.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 423.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 423.21 Td (654.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 409.21 Td (T) Tj ET Q q 0 0 0 rg BT 331.37 409.21 Td (otal Citigroup loans \(EOP\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 409.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.25 409.20 Td (684.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 409.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 409.21 Td (674.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 409.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 409.21 Td (667.0) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 386.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 386.05 Td (Includes loans in certain ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 421.97 386.05 Td (EMEA) Tj ET Q q 0 0 0 rg BT 443.15 386.05 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.15 386.05 Td (countries for all periods presented.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 362.05 Td (Loans increased 3% year) Tj ET Q q 0 0 0 rg BT 442.03 362.05 Td (-over) Tj ET Q q 0 0 0 rg BT 462.93 362.05 Td (-year and 1% quarter) Tj ET Q q 0 0 0 rg BT 546.85 362.05 Td (-over) Tj ET Q q 0 0 0 rg BT 567.75 362.05 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 350.05 Td (quarter in the fourth quarter) Tj ET Q q 0 0 0 rg BT 434.66 350.05 Td (, on both an end-of-period as well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 338.05 Td (as on an average basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 326.05 Td (Excluding the impact of FX translation, average loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 314.05 Td (increased 4% year) Tj ET Q q 0 0 0 rg BT 397.09 314.05 Td (-over) Tj ET Q q 0 0 0 rg BT 417.99 314.05 Td (-year) Tj ET Q q 0 0 0 rg BT 438.13 314.05 Td (, driven by 6% aggregate across ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 302.05 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 302.05 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 363.44 302.05 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.66 302.05 Td (. ) Tj ET Q q 0 0 0 rg BT 385.48 302.05 Td (W) Tj ET Q q 0 0 0 rg BT 394.52 302.05 Td (ithin ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 415.35 302.05 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.35 302.05 Td (, average loans grew 3%, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 290.05 Td (growth across all regions and businesses, with particular ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 278.05 Td (strength in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 369.00 278.05 Td (North ) Tj ET Q q 0 0 0 rg BT 394.65 278.05 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.03 278.05 Td ( driven by Citi-branded cards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 266.05 Td (and Citi retail services, including the impact of the L.L.Bean ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 254.05 Td (card portfolio acquisition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 242.05 Td (A) Tj ET Q q 0 0 0 rg BT 348.48 242.05 Td (verage ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 377.63 242.05 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.85 242.05 Td ( loans increased 8% year) Tj ET Q q 0 0 0 rg BT 494.05 242.05 Td (-over) Tj ET Q q 0 0 0 rg BT 514.94 242.05 Td (-year) Tj ET Q q 0 0 0 rg BT 535.08 242.05 Td (, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 230.05 Td (continued growth across businesses. Corporate lending and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 218.05 Td (private bank loan growth remained strong on a year) Tj ET Q q 0 0 0 rg BT 530.40 218.05 Td (-over) Tj ET Q q 0 0 0 rg BT 551.29 218.05 Td (-year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 206.05 Td (basis, with corporate lending unchanged quarter) Tj ET Q q 0 0 0 rg BT 515.96 206.05 Td (-over) Tj ET Q q 0 0 0 rg BT 536.86 206.05 Td (-quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 194.05 Td (due to the episodic nature of repayments relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 182.05 Td (originations. ) Tj ET Q q 0 0 0 rg BT 376.59 182.05 Td (TTS loans grew year) Tj ET Q q 0 0 0 rg BT 459.98 182.05 Td (-over) Tj ET Q q 0 0 0 rg BT 480.88 182.05 Td (-year) Tj ET Q q 0 0 0 rg BT 501.01 182.05 Td (, however growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 170.05 Td (moderated to 2%, despite continued strong origination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 158.05 Td (volumes, as Citi utilized its distribution capabilities to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 146.05 Td (optimize the balance sheet and drive returns. Finally) Tj ET Q q 0 0 0 rg BT 532.73 146.05 Td (, strong ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 134.05 Td (year) Tj ET Q q 0 0 0 rg BT 341.01 134.05 Td (-over) Tj ET Q q 0 0 0 rg BT 361.91 134.05 Td (-year ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 384.94 134.05 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.74 134.05 Td ( loan growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 122.05 Td (was driven by Community Reinvestment ) Tj ET Q q 0 0 0 rg BT 489.82 122.05 Td (Act lending activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 110.05 Td (as well as residential warehouse lending.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 98.05 Td (A) Tj ET Q q 0 0 0 rg BT 348.48 98.05 Td (verage ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 377.63 98.05 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.40 98.05 Td ( loans continued to decline ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 86.05 Td (\(down 32%\), driven by the wind-down of legacy assets. ) 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 (85) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The table below details the average deposits, by business and/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (or segment, and the total end-of-period deposits for each of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (periods indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 679.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 679.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 679.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 679.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 651.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 651.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 651.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 651.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 623.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 623.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 623.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 623.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 595.75 131.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 595.75 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 595.75 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 595.75 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 558.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 558.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 558.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 558.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 530.75 131.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 530.75 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 530.75 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 530.75 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 503.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 503.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 503.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 503.75 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 36.5 679.75 m 167.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 679.75 m 207.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 679.75 m 247.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 679.75 m 287.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 623.75 m 167.5 623.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 623.75 m 207.5 623.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 623.75 m 247.5 623.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 623.75 m 287.5 623.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 609.75 m 167.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 609.75 m 207.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 609.75 m 247.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 609.75 m 287.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 544.75 m 167.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 544.75 m 207.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 544.75 m 247.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 544.75 m 287.5 544.75 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 167.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 530.75 m 207.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 544.75 m 247.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 530.75 m 247.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 530.75 m 287.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 517.75 m 167.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 517.75 m 207.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 517.75 m 247.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 517.75 m 287.5 517.75 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 167.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 503.75 m 207.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 503.75 m 247.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 503.75 m 287.5 503.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 489.75 m 167.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 503.75 m 207.5 503.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 489.75 m 207.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 503.75 m 247.5 503.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 489.75 m 247.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 503.75 m 287.5 503.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 489.75 m 287.5 489.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 684.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 171.85 693.20 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.00 684.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 211.10 693.21 Td (Sept. 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 684.21 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.85 693.21 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 684.21 Td (2017) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 670.20 Td (Global Consumer Banking) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 656.20 Td (North ) Tj ET Q q 0 0 0 rg BT 68.17 656.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 656.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 656.20 Td (180.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 656.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.75 656.21 Td (180.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 656.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.75 656.21 Td (182.7) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 642.20 Td (Latin ) Tj ET Q q 0 0 0 rg BT 66.17 642.20 Td (America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 188.25 642.20 Td (28.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.25 642.21 Td (29.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.25 642.21 Td (27.8) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 628.20 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 61.00 632.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 188.25 628.20 Td (97.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.25 628.21 Td (97.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.25 628.21 Td (96.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 614.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 614.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 614.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 614.20 Td (306.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 614.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.75 614.21 Td (307.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 614.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.75 614.21 Td (306.5) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 600.20 Td (Institutional Clients Group) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 586.21 Td (T) Tj ET Q q 0 0 0 rg BT 50.34 586.21 Td (reasury and trade solutions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 577.21 Td (\(TTS\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 577.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 577.20 Td (470.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 577.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.75 577.21 Td (456.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 577.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.75 577.21 Td (444.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 563.21 Td (Banking ex-TTS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 563.20 Td (128.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.75 563.21 Td (124.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.75 563.21 Td (126.9) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 549.20 Td (Markets and securities services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 188.25 549.20 Td (86.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.25 549.21 Td (86.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.25 549.21 Td (82.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 535.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 535.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 535.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 535.20 Td (685.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 535.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.75 535.21 Td (668.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 535.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.75 535.21 Td (654.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 522.01 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 522.01 Td (otal) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 57.36 522.01 Td ( Corporate/Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 522.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 188.25 522.15 Td (13.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 522.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.25 522.01 Td (10.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 522.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.25 522.01 Td (12.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 508.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 508.20 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 83.75 508.20 Td (oup deposits \(A) Tj ET Q q 0 0 0 rg BT 142.11 508.20 Td (VG\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 508.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 508.20 Td (1,005.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.75 508.21 Td (985.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.75 508.21 Td (973.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 494.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 494.21 Td (otal Citigroup deposits \(EOP\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 494.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 494.20 Td (1,013.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 494.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.00 494.21 Td (1,005.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 494.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.75 494.21 Td (959.8) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 472.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 472.65 Td (Includes deposits in certain ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 143.31 472.65 Td (EMEA) Tj ET Q q 0 0 0 rg BT 164.49 472.65 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 166.49 472.65 Td (countries) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 195.81 472.65 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 197.81 472.65 Td (for all periods presented.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 448.65 Td (End-of-period deposits increased 6% year) Tj ET Q q 0 0 0 rg BT 221.51 448.65 Td (-over) Tj ET Q q 0 0 0 rg BT 242.41 448.65 Td (-year and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 436.65 Td (1% quarter) Tj ET Q q 0 0 0 rg BT 79.95 436.65 Td (-over) Tj ET Q q 0 0 0 rg BT 100.84 436.65 Td (-quarter) Tj ET Q q 0 0 0 rg BT 131.94 436.65 Td (. On an average basis, deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 424.65 Td (increased 3% year) Tj ET Q q 0 0 0 rg BT 109.09 424.65 Td (-over) Tj ET Q q 0 0 0 rg BT 129.99 424.65 Td (-year and 2% quarter) Tj ET Q q 0 0 0 rg BT 213.91 424.65 Td (-over) Tj ET Q q 0 0 0 rg BT 234.81 424.65 Td (-quarter) Tj ET Q q 0 0 0 rg BT 265.90 424.65 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 412.65 Td (Excluding the impact of FX translation, average deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 400.65 Td (increased 5% year) Tj ET Q q 0 0 0 rg BT 109.09 400.65 Td (-over) Tj ET Q q 0 0 0 rg BT 129.99 400.65 Td (-year) Tj ET Q q 0 0 0 rg BT 149.97 400.65 Td (. In ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 165.80 400.65 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.80 400.65 Td (, deposits increased 1%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 388.65 Td (as strong growth in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 115.44 388.65 Td (Asia GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.72 388.65 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 175.16 388.65 Td (Latin ) Tj ET Q q 0 0 0 rg BT 198.59 388.65 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.97 388.65 Td ( more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 376.65 Td (than of) Tj ET Q q 0 0 0 rg BT 63.87 376.65 Td (fset a 1% decline in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 145.22 376.65 Td (North ) Tj ET Q q 0 0 0 rg BT 170.88 376.65 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.26 376.65 Td (, as clients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 364.65 Td (transferred cash into investment accounts. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 352.65 Td (In ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 64.83 352.65 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.05 352.65 Td (, deposits increased 6%, primarily driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 340.65 Td (continued high-quality deposit growth in ) Tj ET Q q 0 0 0 rg BT 201.63 340.65 Td (TTS.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 316.65 Td (Long-T) Tj ET Q q 0 0 0 rg BT 67.31 316.65 Td (erm Debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 304.65 Td (Long-term debt \(generally defined as debt with original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 292.65 Td (maturities of one year or more\) represents the most significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 280.65 Td (component of Citi) Tj ET Q q 0 0 0 rg BT 111.55 280.65 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 36.00 268.65 Td (supplementary source of funding for the bank entities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 256.65 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 36.00 244.65 Td (to its multi-year contractual maturity structure. ) Tj ET Q q 0 0 0 rg BT 225.48 244.65 Td (The weighted-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 232.65 Td (average maturity of unsecured long-term debt issued by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 220.65 Td (Citigroup and its af) Tj ET Q q 0 0 0 rg BT 113.31 220.65 Td (filiates \(including Citibank\) with a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 208.65 Td (remaining life greater than one year was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 196.65 Td (6.8years as of December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.84 196.65 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.84 196.65 Td (, a slight decline from 6.9 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 184.65 Td (years as of September 30, 2018 and unchanged from the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 172.65 Td (year) Tj ET Q q 0 0 0 rg BT 52.66 172.65 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 160.65 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 160.65 Td (s long-term debt outstanding at the parent company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 148.65 Td (includes senior and subordinated debt and what Citi refers to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 136.65 Td (as customer) Tj ET Q q 0 0 0 rg BT 83.29 136.65 Td (-related debt, consisting of structured notes, such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 124.65 Td (as 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 36.00 112.65 Td (notes. Citi) Tj ET Q q 0 0 0 rg BT 79.89 112.65 Td (s issuance of customer) Tj ET Q q 0 0 0 rg BT 169.95 112.65 Td (-related debt is generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 100.65 Td (driven by customer demand and supplements benchmark debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 88.65 Td (issuance as a source of funding for Citi) Tj ET Q q 0 0 0 rg BT 195.13 88.65 Td (s non-bank entities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 749.10 Td (s long-term debt at the bank also includes benchmark ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (senior debt, FHLB advances and securitizations. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Long-T) Tj ET Q q 0 0 0 rg BT 354.19 713.10 Td (erm Debt Outstanding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (The following table details Citi) Tj ET Q q 0 0 0 rg BT 451.75 701.10 Td (s end-of-period total long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (debt outstanding for each of the dates indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 655.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 655.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 655.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 655.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 631.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 631.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 631.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 631.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 607.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 607.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 607.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 607.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 583.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 583.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 583.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 583.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 559.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 559.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 559.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 559.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 535.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 535.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 535.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 535.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 511.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 511.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 511.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 511.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 487.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 487.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 487.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 487.60 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 324.5 655.6 m 456.5 655.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 655.6 m 496.5 655.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 655.6 m 536.5 655.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 655.6 m 576.5 655.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 655.6 m 536.5 655.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 571.6 m 456.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 571.6 m 496.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 571.6 m 536.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 571.6 m 576.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 559.6 m 456.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 559.6 m 496.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 559.6 m 536.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 559.6 m 576.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 559.6 m 576.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 499.6 m 456.5 499.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 499.6 m 496.5 499.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 499.6 m 536.5 499.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 499.6 m 576.5 499.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 487.6 m 456.5 487.6 l s 0 0 0 RG /GS0 gs 2.00 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 456.5 487.6 m 496.5 487.6 l s 0 0 0 RG /GS0 gs 2.00 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 496.5 487.6 m 536.5 487.6 l s 0 0 0 RG /GS0 gs 2.00 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 536.5 487.6 m 576.5 487.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 475.6 m 576.5 475.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 659.85 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.85 669.05 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.00 660.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.10 669.06 Td (Sept. 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 660.06 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.85 669.06 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 660.06 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 647.00 Td (Par) Tj ET Q q 0 0 0 rg BT 340.83 647.00 Td (ent and other) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 392.33 651.08 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 634.86 Td (Benchmark debt:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 622.86 Td (Senior debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 623.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.35 623.00 Td (104.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 622.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.35 622.86 Td (107.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 622.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.35 622.86 Td (109.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 610.86 Td (Subordinated debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.90 611.00 Td (24.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.90 610.86 Td (25.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 610.86 Td (26.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 598.86 Td (T) Tj ET Q q 0 0 0 rg BT 341.18 598.86 Td (rust preferred) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.40 599.00 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.40 598.86 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 598.86 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 586.86 Td (Customer) Tj ET Q q 0 0 0 rg BT 361.91 586.86 Td (-related debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.90 587.00 Td (37.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.90 586.86 Td (35.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 586.86 Td (30.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 574.86 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 413.22 578.94 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.40 575.00 Td (2.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.40 574.86 Td (3.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 574.86 Td (1.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 563.00 Td (T) Tj ET Q q 0 0 0 rg BT 332.59 563.00 Td (otal par) Tj ET Q q 0 0 0 rg BT 362.34 563.00 Td (ent and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 563.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.35 563.00 Td (170.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 562.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.35 562.86 Td (173.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 562.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.35 562.86 Td (170.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 551.00 Td (Bank) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 538.86 Td (FHLB borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 539.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.90 539.00 Td (10.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 538.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.90 538.86 Td (10.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 538.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 538.86 Td (19.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 526.86 Td (Securitizations) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 380.49 530.94 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.90 527.00 Td (28.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.90 526.86 Td (27.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 526.86 Td (30.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 514.86 Td (CBNA) Tj ET Q q 0 0 0 rg BT 351.51 514.86 Td ( benchmark senior debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.90 515.00 Td (18.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.90 514.86 Td (21.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 514.86 Td (12.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 502.86 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 413.22 506.94 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.40 503.00 Td (3.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.40 502.86 Td (3.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 502.86 Td (3.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 491.00 Td (T) Tj ET Q q 0 0 0 rg BT 332.59 491.00 Td (otal bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 491.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.90 491.00 Td (61.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 490.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.90 490.86 Td (62.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 490.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 490.86 Td (65.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 479.00 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 479.00 Td (otal long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 479.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.35 479.00 Td (232.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 478.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.35 478.86 Td (235.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 478.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.35 478.86 Td (236.7) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 458.50 Td (Note: ) Tj ET Q q 0 0 0 rg BT 343.33 458.50 Td (Amounts represent the current value of long-term debt on Citi) Tj ET Q q 0 0 0 rg BT 543.95 458.50 Td (s ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 448.90 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 324.00 439.30 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 324.00 429.70 Td (premiums.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 420.10 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 420.10 Td (Parent and other includes long-term debt issued to third parties by the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 410.50 Td (parent holding company \(Citigroup\) and Citi) Tj ET Q q 0 0 0 rg BT 487.53 410.50 Td (s non-bank subsidiaries ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 400.90 Td (\(including broker) Tj ET Q q 0 0 0 rg BT 397.60 400.90 Td (-dealer subsidiaries\) that are consolidated into ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 391.30 Td (Citigroup. ) Tj ET Q q 0 0 0 rg BT 376.23 391.30 Td (As of December 31, 2018, parent and other included $27.0 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 381.70 Td (billion of long-term debt issued by Citi) Tj ET Q q 0 0 0 rg BT 469.10 381.70 Td (s broker) Tj ET Q q 0 0 0 rg BT 494.93 381.70 Td (-dealer subsidiaries.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 372.10 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 372.10 Td (Local country debt includes debt issued by Citi) Tj ET Q q 0 0 0 rg BT 495.08 372.10 Td (s af) Tj ET Q q 0 0 0 rg BT 506.27 372.10 Td (filiates in support of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 362.50 Td (their local operations.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 352.90 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 352.90 Td (Predominantly credit card securitizations, primarily backed by Citi-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 343.30 Td (branded credit card receivables.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 321.70 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 321.70 Td (s total long-term debt outstanding decreased both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 309.70 Td (year) Tj ET Q q 0 0 0 rg BT 341.01 309.70 Td (-over) Tj ET Q q 0 0 0 rg BT 361.91 309.70 Td (-year and quarter) Tj ET Q q 0 0 0 rg BT 430.00 309.70 Td (-over) Tj ET Q q 0 0 0 rg BT 450.89 309.70 Td (-quarter) Tj ET Q q 0 0 0 rg BT 481.99 309.70 Td (. ) Tj ET Q q 0 0 0 rg BT 486.81 309.70 Td (The decrease year) Tj ET Q q 0 0 0 rg BT 558.78 309.70 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 297.70 Td (over) Tj ET Q q 0 0 0 rg BT 341.57 297.70 Td (-year was primarily driven by a decline in long-term debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 285.70 Td (at the bank, as declines in FHLB advances more than of) Tj ET Q q 0 0 0 rg BT 547.36 285.70 Td (fset an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 273.70 Td (increase in unsecured senior benchmark debt. ) Tj ET Q q 0 0 0 rg BT 508.10 273.70 Td (At the parent, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 261.70 Td (long-term debt remained lar) Tj ET Q q 0 0 0 rg BT 435.72 261.70 Td (gely unchanged year) Tj ET Q q 0 0 0 rg BT 518.26 261.70 Td (-over) Tj ET Q q 0 0 0 rg BT 539.16 261.70 Td (-year) Tj ET Q q 0 0 0 rg BT 559.29 261.70 Td (, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 249.70 Td (declines in unsecured benchmark debt were lar) Tj ET Q q 0 0 0 rg BT 511.51 249.70 Td (gely of) Tj ET Q q 0 0 0 rg BT 539.38 249.70 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 237.70 Td (increases in customer) Tj ET Q q 0 0 0 rg BT 409.88 237.70 Td (-related debt. Quarter) Tj ET Q q 0 0 0 rg BT 495.46 237.70 Td (-over) Tj ET Q q 0 0 0 rg BT 516.36 237.70 Td (-quarter) Tj ET Q q 0 0 0 rg BT 547.61 237.70 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 225.70 Td (decrease was driven primarily by declines in unsecured senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 213.70 Td (debt at the parent and the bank.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 201.70 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 324.00 189.70 Td (and may continue to consider) Tj ET Q q 0 0 0 rg BT 441.34 189.70 Td (, opportunities to repurchase its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 177.70 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 324.00 165.70 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 165.70 Td (fers or other means. Such repurchases help reduce Citi) Tj ET Q q 0 0 0 rg BT 552.91 165.70 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 153.70 Td (overall funding costs. During 2018, Citi repurchased an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 141.70 Td (aggregate of approximately $5.4 billion of its outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 129.70 Td (long-term debt, including early redemptions of FHLB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 117.70 Td (advances. ) 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 (86) 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 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 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 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 36.5 601.75 m 258.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 601.75 m 311.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 615.75 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 311.5 601.75 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 364.5 601.75 m 417.5 601.75 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 417.5 601.75 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 470.5 601.75 m 523.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 601.75 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 36.5 587.75 m 258.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 587.75 m 311.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 601.75 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 311.5 587.75 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 364.5 587.75 m 417.5 587.75 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 417.5 587.75 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 470.5 587.75 m 523.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 587.75 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 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 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 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 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 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 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 36.5 517.75 m 258.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 517.75 m 311.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 531.75 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 311.5 517.75 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 364.5 517.75 m 417.5 517.75 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 417.5 517.75 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 470.5 517.75 m 523.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 517.75 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 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 36.5 503.75 m 258.5 503.75 l s 0 0 0 RG /GS0 gs 2.00 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 258.5 503.75 m 311.5 503.75 l s 0 0 0 RG /GS0 gs 2.00 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 311.5 503.75 m 364.5 503.75 l s 0 0 0 RG /GS0 gs 2.00 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 364.5 503.75 m 417.5 503.75 l s 0 0 0 RG /GS0 gs 2.00 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 417.5 503.75 m 470.5 503.75 l s 0 0 0 RG /GS0 gs 2.00 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 470.5 503.75 m 523.5 503.75 l s 0 0 0 RG /GS0 gs 2.00 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 523.5 503.75 m 576.5 503.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 489.75 m 576.5 489.75 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 (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 704.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 704.21 Td (2016) 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 (Par) Tj ET Q q 0 0 0 rg BT 52.91 676.20 Td (ent and other) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.90 648.20 Td (18.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 648.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.90 648.20 Td (14.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 648.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.90 648.21 Td (14.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 648.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.90 648.21 Td (21.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 648.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.90 648.21 Td (14.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 648.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 648.21 Td (26.0) 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 (2.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 634.20 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 634.21 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.40 634.21 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.40 634.21 Td (3.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 634.21 Td (4.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 620.21 Td (Customer) Tj ET Q q 0 0 0 rg BT 73.91 620.21 Td (-related debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.40 620.20 Td (6.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.90 620.20 Td (16.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 620.21 Td (7.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.90 620.21 Td (12.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.90 620.21 Td (10.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 620.21 Td (10.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 606.21 Td (Local country and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.40 606.20 Td (1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 606.20 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 606.21 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.40 606.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.40 606.21 Td (2.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 606.21 Td (2.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 592.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 592.20 Td (otal par) Tj ET Q q 0 0 0 rg BT 74.34 592.20 Td (ent and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 592.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.90 592.20 Td (29.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 592.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.90 592.20 Td (34.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 592.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.90 592.21 Td (24.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 592.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.90 592.21 Td (35.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 592.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.90 592.21 Td (30.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 592.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 592.21 Td (42.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 578.20 Td (Bank) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 564.21 Td (FHLB borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 564.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.90 564.20 Td (15.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 564.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 564.20 Td (7.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 564.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 564.21 Td (7.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 564.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.40 564.21 Td (5.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 564.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.90 564.21 Td (10.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 564.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 564.21 Td (14.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 550.21 Td (Securitizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.40 550.20 Td (8.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 550.20 Td (6.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 550.21 Td (5.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.90 550.21 Td (12.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.90 550.21 Td (10.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 550.21 Td (3.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 536.21 Td (CBNA) Tj ET Q q 0 0 0 rg BT 63.76 536.21 Td ( benchmark senior debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.40 536.20 Td (2.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 536.20 Td (8.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 536.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.90 536.21 Td (12.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.65 536.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 536.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 522.21 Td (Local country and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.40 522.20 Td (2.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 522.20 Td (2.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 522.21 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.40 522.21 Td (2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.40 522.21 Td (3.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 522.21 Td (3.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 508.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 508.20 Td (otal bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 508.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.90 508.20 Td (28.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 508.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.90 508.20 Td (26.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.90 508.21 Td (16.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.90 508.21 Td (32.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.90 508.21 Td (25.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 508.21 Td (21.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 494.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 494.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 494.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.90 494.20 Td (58.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 494.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.90 494.20 Td (60.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 494.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.90 494.21 Td (41.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 494.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.90 494.21 Td (68.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 494.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.90 494.21 Td (55.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 494.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 494.21 Td (63.7) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 460.65 Td (The table below shows Citi) Tj ET Q q 0 0 0 rg BT 148.21 460.65 Td (s aggregate long-term debt maturities \(including repurchases and redemptions\) in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.88 460.65 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.88 460.65 Td (, as well as its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 448.65 Td (aggregate expected annual long-term debt maturities as of December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.93 448.65 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.93 448.65 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 410.15 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 410.15 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 410.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 410.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 410.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 410.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 410.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 410.15 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 410.15 41.00 -14.00 re f /GS0 gs 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 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 424.15 m 287.5 424.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 424.15 m 328.5 424.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 424.15 m 368.5 424.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 424.15 m 409.5 424.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 424.15 m 449.5 424.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 424.15 m 489.5 424.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 424.15 m 535.5 424.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 424.15 m 576.5 424.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 410.15 m 240.5 410.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 410.15 m 287.5 410.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 424.15 m 328.5 424.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 424.15 m 535.5 410.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 410.15 m 287.5 410.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 410.15 m 328.5 410.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 410.15 m 368.5 410.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 410.15 m 409.5 410.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 410.15 m 449.5 410.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 410.15 m 489.5 410.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 410.15 m 535.5 396.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 410.15 m 535.5 410.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 410.15 m 576.5 410.15 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 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 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 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 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 36.5 312.15 m 240.5 312.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 312.15 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 287.5 312.15 m 328.5 312.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 312.15 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 489.5 312.15 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 36.5 298.15 m 240.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 298.15 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 287.5 298.15 m 328.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 312.15 m 368.5 312.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 298.15 m 368.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 312.15 m 409.5 312.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 298.15 m 409.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 312.15 m 449.5 312.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 298.15 m 449.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 298.15 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 489.5 298.15 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 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 535.5 312.15 m 576.5 312.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 298.15 m 576.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 298.15 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 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 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 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 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 36.5 228.14999999999998 m 240.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 228.14999999999998 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 287.5 228.14999999999998 m 328.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 228.14999999999998 m 368.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 228.14999999999998 m 409.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 228.14999999999998 m 449.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 228.14999999999998 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 489.5 228.14999999999998 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 240.5 214.14999999999998 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 287.5 214.14999999999998 m 328.5 214.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 214.14999999999998 m 368.5 214.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 214.14999999999998 m 409.5 214.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 214.14999999999998 m 449.5 214.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 214.14999999999998 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 489.5 214.14999999999998 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 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 535.5 228.14999999999998 m 576.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 214.14999999999998 m 240.5 214.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 200.14999999999998 m 240.5 200.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 200.14999999999998 m 287.5 200.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 200.14999999999998 m 328.5 200.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 200.14999999999998 m 368.5 200.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 200.14999999999998 m 409.5 200.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 200.14999999999998 m 449.5 200.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 200.14999999999998 m 489.5 200.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 200.14999999999998 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 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 535.5 214.14999999999998 m 576.5 214.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 200.14999999999998 m 576.5 200.14999999999998 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 428.60 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.75 428.60 Td (Maturities) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 414.40 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.50 414.60 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 414.61 Td (2019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 414.61 Td (2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 414.61 Td (2021) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 414.61 Td (2022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.00 414.61 Td (2023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.25 414.61 Td (Thereafter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.30 414.61 Td (T) Tj ET Q q 0 0 0 rg BT 551.17 414.61 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 400.60 Td (Par) Tj ET Q q 0 0 0 rg BT 52.91 400.60 Td (ent and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 386.61 Td (Benchmark debt:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 372.61 Td (Senior debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 243.00 372.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.90 372.60 Td (18.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 372.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.90 372.61 Td (14.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 372.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 372.61 Td (8.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 372.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.90 372.61 Td (14.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 372.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 372.61 Td (8.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 372.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.90 372.61 Td (12.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 372.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.90 372.61 Td (46.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 372.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.40 372.61 Td (104.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 358.61 Td (Subordinated debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.40 358.60 Td (2.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.65 358.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.65 358.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.65 358.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 358.61 Td (0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.40 358.61 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.90 358.61 Td (22.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 358.61 Td (24.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 344.61 Td (T) Tj ET Q q 0 0 0 rg BT 62.18 344.61 Td (rust preferred) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.65 344.60 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.65 344.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.65 344.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.65 344.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.65 344.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.65 344.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.40 344.61 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 344.61 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 330.61 Td (Customer) Tj ET Q q 0 0 0 rg BT 73.91 330.61 Td (-related debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.40 330.60 Td (6.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.40 330.61 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 330.61 Td (6.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 330.61 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 330.61 Td (2.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.40 330.61 Td (2.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.90 330.61 Td (17.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 330.61 Td (37.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 316.61 Td (Local country and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.40 316.60 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.40 316.61 Td (2.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 316.61 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 316.61 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 316.61 Td (0.1) 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 (0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 316.61 Td (2.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 302.60 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 302.60 Td (otal par) Tj ET Q q 0 0 0 rg BT 74.34 302.60 Td (ent and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 243.00 302.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.90 302.60 Td (29.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 302.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.90 302.61 Td (19.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 302.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.90 302.61 Td (15.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 302.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.90 302.61 Td (17.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 302.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.90 302.61 Td (1) Tj ET Q q 0 0 0 rg BT 434.40 302.61 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 302.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.90 302.61 Td (16.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 302.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.90 302.61 Td (89.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 302.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.40 302.61 Td (170.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 288.60 Td (Bank) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 274.61 Td (FHLB borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 243.00 274.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.90 274.60 Td (15.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 274.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.40 274.61 Td (5.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 274.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 274.61 Td (4.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 274.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.65 274.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 274.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.65 274.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 274.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.65 274.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 274.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.65 274.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 274.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 274.61 Td (10.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 260.61 Td (Securitizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.40 260.60 Td (8.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.40 260.61 Td (7.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 260.61 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 260.61 Td (5.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 260.61 Td (2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.40 260.61 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.40 260.61 Td (4.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 260.61 Td (28.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 246.61 Td (CBNA) Tj ET Q q 0 0 0 rg BT 63.76 246.61 Td ( benchmark senior debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.40 246.60 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.40 246.61 Td (4.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 246.61 Td (8.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 246.61 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.65 246.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.65 246.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.40 246.61 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 246.61 Td (18.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 232.61 Td (Local country and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.40 232.60 Td (2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.40 232.61 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 232.61 Td (2.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 232.61 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 232.61 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.40 232.61 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.40 232.61 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 232.61 Td (3.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 218.60 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 218.60 Td (otal bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 243.00 218.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.90 218.60 Td (28.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.90 218.61 Td (18.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.90 218.61 Td (21.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.90 218.61 Td (10.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 218.61 Td (2.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.40 218.61 Td (2.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.40 218.61 Td (4.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 218.61 Td (61.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 204.60 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 204.60 Td (otal long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 243.00 204.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.90 204.60 Td (58.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 204.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.90 204.61 Td (38.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 204.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.90 204.61 Td (37.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 204.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.90 204.61 Td (28.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 204.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.90 204.61 Td (14.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 204.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.90 204.61 Td (19.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 204.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.90 204.61 Td (94.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 204.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.40 204.61 Td (232.0) Tj ET Q BT /F1 10.00 Tf ET 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 (87) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Resolution Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Citi is required under ) Tj ET Q q 0 0 0 rg BT 123.58 737.25 Td (T) Tj ET Q q 0 0 0 rg BT 129.33 737.25 Td (itle I of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 227.19 737.25 Td (W) Tj ET Q q 0 0 0 rg BT 235.82 737.25 Td (all Street ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Reform and Consumer Protection ) Tj ET Q q 0 0 0 rg BT 172.65 725.25 Td (Act of 2010 \(Dodd-Frank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (Act\) and the rules promulgated by the FDIC and FRB to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (periodically submit a plan for Citi) Tj ET Q q 0 0 0 rg BT 174.58 701.25 Td (s rapid and orderly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (resolution under the U.S. Bankruptcy Code in the event of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (material financial distress or failure. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (information on Citi) Tj ET Q q 0 0 0 rg BT 116.00 665.25 Td (s resolution plan submissions, see Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (FactorsStrategic Risks above. Citigroup) Tj ET Q q 0 0 0 rg BT 212.64 653.25 Td (s preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (resolution strategy is single point of entry under the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (Bankruptcy Code.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 617.25 Td (Under Citi) Tj ET Q q 0 0 0 rg BT 99.27 617.25 Td (s resolution plan, only Citigroup, the parent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (holding company) Tj ET Q q 0 0 0 rg BT 105.06 605.25 Td (, would enter into bankruptcy) Tj ET Q q 0 0 0 rg BT 222.44 605.25 Td (, while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 593.25 Td (s material legal entities \(as defined in the public ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (section of its 2017 resolution plan, which can be found on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (FRB) Tj ET Q q 0 0 0 rg BT 57.68 569.25 Td (s and FDIC) Tj ET Q q 0 0 0 rg BT 106.57 569.25 Td (s websites\) would remain operational and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (outside of any resolution or insolvency proceedings.Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (believes its resolution plan has been designed to minimize the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (risk of systemic impact to the U.S. and global financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (systems, while maximizing the value of the bankruptcy estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (for the benefit of Citigroup) Tj ET Q q 0 0 0 rg BT 147.08 509.25 Td (s creditors, including its unsecured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (long-term debt holders. In addition, in line with the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (Reserve) Tj ET Q q 0 0 0 rg BT 70.99 485.25 Td (s final total loss-absorbing capacity \(TLAC\) rule, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (Citigroup believes it has developed the resolution plan so that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 461.25 Td (s shareholders and unsecured creditorsincluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (its unsecured long-term debt holdersbear any losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (resulting from Citigroup) Tj ET Q q 0 0 0 rg BT 136.55 437.25 Td (s bankruptcy) Tj ET Q q 0 0 0 rg BT 187.27 437.25 Td (. ) Tj ET Q q 0 0 0 rg BT 191.72 437.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 241.06 437.25 Td (, any value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (realized by holders of its unsecured long-term debt may not be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (suf) Tj ET Q q 0 0 0 rg BT 48.04 413.25 Td (ficient to repay the amounts owed to such debt holders in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (the event of a bankruptcy or other resolution proceeding of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (Citigroup.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 377.25 Td (The FDIC has also indicated that it was developing a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (single point of entry strategy to implement its resolution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (authority under ) Tj ET Q q 0 0 0 rg BT 99.69 353.25 Td (T) Tj ET Q q 0 0 0 rg BT 105.45 353.25 Td (itle II of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 206.26 353.25 Td (Act.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 341.25 Td (In response to feedback received from the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (Reserve and FDIC on Citigroup) Tj ET Q q 0 0 0 rg BT 166.54 329.25 Td (s 2015 resolution plan, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (Citigroup took the following actions in connection with its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (2017 resolution plan submission:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 287.25 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 287.25 Td (Citicorp LLC \(Citicorp\), an existing wholly owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 275.25 Td (subsidiary of Citigroup, was established as an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 263.25 Td (intermediate holding company \(an IHC\) for certain of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 251.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 104.11 251.25 Td (s operating material legal entities;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 239.25 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 239.25 Td (Citigroup executed an inter) Tj ET Q q 0 0 0 rg BT 171.93 239.25 Td (-af) Tj ET Q q 0 0 0 rg BT 182.85 239.25 Td (filiate agreementwith ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 227.25 Td (Citicorp, Citigroup) Tj ET Q q 0 0 0 rg BT 141.89 227.25 Td (s operating material legal entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 215.25 Td (and certain other af) Tj ET Q q 0 0 0 rg BT 140.28 215.25 Td (filiated entities pursuant to which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 203.25 Td (Citicorp is required to provide liquidity and capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 191.25 Td (support to Citigroup) Tj ET Q q 0 0 0 rg BT 146.89 191.25 Td (s operating material legal entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 179.25 Td (in the event Citigroup were to enter bankruptcy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 167.25 Td (proceedings \(Citi Support ) Tj ET Q q 0 0 0 rg BT 168.27 167.25 Td (Agreement\); ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 155.25 Td (\(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 155.25 Td (pursuant to the Citi Support ) Tj ET Q q 0 0 0 rg BT 176.06 155.25 Td (Agreement:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 137.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.00 137.25 Td (Citigroup made an initial contribution of assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.00 125.25 Td (including certain high-quality liquid assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.00 113.25 Td (inter) Tj ET Q q 0 0 0 rg BT 99.13 113.25 Td (-af) Tj ET Q q 0 0 0 rg BT 110.04 113.25 Td (filiate loans \(Contributable ) Tj ET Q q 0 0 0 rg BT 219.74 113.25 Td (Assets\), to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.00 101.25 Td (Citicorp, and Citicorp became the business as usual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.00 89.25 Td (funding vehicle for Citigroup) Tj ET Q q 0 0 0 rg BT 201.25 89.25 Td (s operating material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.00 77.25 Td (legal entities;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 65.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.00 65.25 Td (Citigroup will be obligated to continue to transfer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.00 53.25 Td (Contributable ) Tj ET Q q 0 0 0 rg BT 137.94 53.25 Td (Assets to Citicorp over time, subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.00 749.10 Td (to certain amounts retained by Citigroup to, among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.00 737.10 Td (other things, meet Citigroup) Tj ET Q q 0 0 0 rg BT 484.54 737.10 Td (s near) Tj ET Q q 0 0 0 rg BT 507.94 737.10 Td (-term cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.00 725.10 Td (needs; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.00 713.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.00 713.10 Td (in the event of a Citigroup bankruptcy) Tj ET Q q 0 0 0 rg BT 521.09 713.10 Td (, Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.00 701.10 Td (will be required to contribute most of its remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.00 689.10 Td (assets to Citicorp; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 671.10 Td (\(iv\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.00 671.10 Td (the obligations of both Citigroup and Citicorp under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.00 659.10 Td (Citi Support ) Tj ET Q q 0 0 0 rg BT 402.12 659.10 Td (Agreement, as well as the Contributable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.00 647.10 Td (Assets, are secured pursuant to a security agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 623.10 Td (The Citi Support ) Tj ET Q q 0 0 0 rg BT 411.17 623.10 Td (Agreement provides two mechanisms, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 611.10 Td (besides Citicorp) Tj ET Q q 0 0 0 rg BT 391.49 611.10 Td (s issuing of dividends to Citigroup, pursuant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 599.10 Td (to which Citicorp will be required to transfer cash to Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 587.10 Td (during business as usual so that Citigroup can fund its debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 575.10 Td (serviceas well as other operating needs:\(i\) one or more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 563.10 Td (funding notes issued by Citicorp to Citigroup and \(ii\)a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 551.10 Td (committed line of credit under which Citicorp may make loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 539.10 Td (to Citigroup. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 515.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.19 515.10 Td (otal Loss-Absorbing Capacity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.87 515.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 453.37 515.10 Td (\(TLAC\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 503.10 Td (In 2016, the Federal Reserve Board imposed minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 491.10 Td (external ) Tj ET Q q 0 0 0 rg BT 358.52 491.10 Td (TLAC and long-term debt \(L) Tj ET Q q 0 0 0 rg BT 474.24 491.10 Td (TD\) requirements on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 479.10 Td (U.S. global systemically important bank holding companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 467.10 Td (\(GSIBs\), including Citi, ef) Tj ET Q q 0 0 0 rg BT 430.20 467.10 Td (fective as of January 1, 2019. ) Tj ET Q q 0 0 0 rg BT 549.61 467.10 Td (As a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 455.10 Td (result, U.S. GSIBs will be required to maintain minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 443.10 Td (levels of ) Tj ET Q q 0 0 0 rg BT 360.47 443.10 Td (TLAC and eligible L) Tj ET Q q 0 0 0 rg BT 443.70 443.10 Td (TD, each set by reference to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 431.10 Td (GSIB) Tj ET Q q 0 0 0 rg BT 349.56 431.10 Td (s consolidated risk-weighted assets \(R) Tj ET Q q 0 0 0 rg BT 501.76 431.10 Td (W) Tj ET Q q 0 0 0 rg BT 510.09 431.10 Td (A\) and total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 419.10 Td (leverage exposure, as described further below) Tj ET Q q 0 0 0 rg BT 506.60 419.10 Td (. ) Tj ET Q q 0 0 0 rg BT 511.42 419.10 Td (The intended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 407.10 Td (purpose of the requirements is to facilitate the orderly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 395.10 Td (resolution of U.S. GSIBs under the U.S. Bankruptcy Code and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 383.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.76 383.10 Td (itle II of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 430.57 383.10 Td (Act. Citi believes it exceeded the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 371.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 365.21 371.10 Td (TLAC and L) Tj ET Q q 0 0 0 rg BT 415.95 371.10 Td (TD requirements as of December) Tj ET Q q 0 0 0 rg BT 548.82 371.10 Td (, 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 359.10 Td (2018. For additional information, see Risk Factors) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 347.10 Td (Compliance, Conduct and Legal Risks above. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 323.10 Td (Minimum TLAC Requir) Tj ET Q q 0 0 0 rg BT 418.08 323.10 Td (ements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 311.10 Td (The minimum ) Tj ET Q q 0 0 0 rg BT 383.26 311.10 Td (TLAC requirement is the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 486.56 311.10 Td (gr) Tj ET Q q 0 0 0 rg BT 495.08 311.10 Td (eater) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.63 311.10 Td ( of \(i\) 18% of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 299.10 Td (the GSIB) Tj ET Q q 0 0 0 rg BT 364.28 299.10 Td (s R) Tj ET Q q 0 0 0 rg BT 376.79 299.10 Td (W) Tj ET Q q 0 0 0 rg BT 385.12 299.10 Td (A) Tj ET Q q 0 0 0 rg BT 391.79 299.10 Td ( plus the then-applicable R) Tj ET Q q 0 0 0 rg BT 498.43 299.10 Td (W) Tj ET Q q 0 0 0 rg BT 506.76 299.10 Td (A-based ) Tj ET Q q 0 0 0 rg BT 542.40 299.10 Td (TLAC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 287.10 Td (buf) Tj ET Q q 0 0 0 rg BT 337.15 287.10 Td (fer \(see below\) and \(ii\) 7.5% of the GSIB) Tj ET Q q 0 0 0 rg BT 505.71 287.10 Td (s total leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 275.10 Td (exposure plus a leveraged-based ) Tj ET Q q 0 0 0 rg BT 455.99 275.10 Td (TLAC buf) Tj ET Q q 0 0 0 rg BT 497.75 275.10 Td (fer of 2% \(i.e., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 263.10 Td (9.5%\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 251.10 Td (The R) Tj ET Q q 0 0 0 rg BT 366.17 251.10 Td (W) Tj ET Q q 0 0 0 rg BT 374.50 251.10 Td (A-based ) Tj ET Q q 0 0 0 rg BT 410.13 251.10 Td (TLAC buf) Tj ET Q q 0 0 0 rg BT 451.89 251.10 Td (fer equals the 2.5% capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 239.10 Td (conservation buf) Tj ET Q q 0 0 0 rg BT 390.74 239.10 Td (fer) Tj ET Q q 0 0 0 rg BT 401.44 239.10 Td (, plus any applicable countercyclical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 227.10 Td (capital buf) Tj ET Q q 0 0 0 rg BT 366.30 227.10 Td (fer \(currently 0%\), plus the GSIB) Tj ET Q q 0 0 0 rg BT 502.93 227.10 Td (s capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 215.10 Td (surchar) Tj ET Q q 0 0 0 rg BT 353.25 215.10 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 324.00 203.10 Td (surchar) Tj ET Q q 0 0 0 rg BT 353.25 203.10 Td (ge rule \(2.0% for Citi for 2019\). ) Tj ET Q q 0 0 0 rg BT 483.50 203.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 532.83 203.10 Td (, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 191.10 Td (estimates its total current minimum ) Tj ET Q q 0 0 0 rg BT 467.96 191.10 Td (TLAC requirement is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 179.10 Td (22.5% of R) Tj ET Q q 0 0 0 rg BT 369.28 179.10 Td (W) Tj ET Q q 0 0 0 rg BT 377.61 179.10 Td (A) Tj ET Q q 0 0 0 rg BT 384.28 179.10 Td ( for 2019.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 155.10 Td (Minimum Eligible L) Tj ET Q q 0 0 0 rg BT 404.35 155.10 Td (TD Requir) Tj ET Q q 0 0 0 rg BT 446.48 155.10 Td (ements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 143.10 Td (The minimum L) Tj ET Q q 0 0 0 rg BT 388.63 143.10 Td (TD requirement is the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 479.16 143.10 Td (gr) Tj ET Q q 0 0 0 rg BT 487.68 143.10 Td (eater) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.22 143.10 Td ( of \(i\) 6% of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 131.10 Td (GSIB) Tj ET Q q 0 0 0 rg BT 349.56 131.10 Td (s R) Tj ET Q q 0 0 0 rg BT 362.07 131.10 Td (W) Tj ET Q q 0 0 0 rg BT 370.40 131.10 Td (A) Tj ET Q q 0 0 0 rg BT 377.07 131.10 Td ( plus its capital surchar) Tj ET Q q 0 0 0 rg BT 469.09 131.10 Td (ge as determined under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 119.10 Td (method 2 of the GSIB surchar) Tj ET Q q 0 0 0 rg BT 444.07 119.10 Td (ge rule \(3.0% for Citi for 2019\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 107.10 Td (for a total current requirement of 9% of R) Tj ET Q q 0 0 0 rg BT 490.61 107.10 Td (W) Tj ET Q q 0 0 0 rg BT 498.94 107.10 Td (A) Tj ET Q q 0 0 0 rg BT 505.61 107.10 Td ( for Citi, and \(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 95.10 Td (4.5% of the GSIB) Tj ET Q q 0 0 0 rg BT 398.44 95.10 Td (s total leverage exposure. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 83.10 Td (For additional discussion of the method 1 and method 2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 71.10 Td (GSIB capital surchar) Tj ET Q q 0 0 0 rg BT 407.68 71.10 Td (ge methodologies, see Capital Resources) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 59.10 Td (Current Regulatory Capital Standards above. ) Tj ET Q 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 (88) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Secur) Tj ET Q q 0 0 0 rg BT 60.26 749.25 Td (ed Funding ) Tj ET Q q 0 0 0 rg BT 111.21 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 117.14 749.25 Td (ransactions and Short-T) Tj ET Q q 0 0 0 rg BT 220.13 749.25 Td (erm ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Borr) Tj ET Q q 0 0 0 rg BT 56.37 737.25 Td (owings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Citi supplements its primary sources of funding with short-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (term borrowings. Short-term borrowings generally include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (\(i\)secured funding transactions \(securities loaned or sold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (under agreements to repurchase, or repos\) and \(ii\)to a lesser ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (extent, short-term borrowings consisting of commercial paper ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (and borrowings from the FHLB and other market participants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (\(see Note17 to the Consolidated Financial Statements for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (further information on Citigroup) Tj ET Q q 0 0 0 rg BT 169.03 641.25 Td (s and its af) Tj ET Q q 0 0 0 rg BT 211.90 641.25 Td (filiates) Tj ET Q q 0 0 0 rg BT 241.70 641.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (outstanding short-term borrowings\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 617.25 Td (Outside of secured funding transactions, Citi) Tj ET Q q 0 0 0 rg BT 235.63 617.25 Td (s short-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (borrowings decreased both year) Tj ET Q q 0 0 0 rg BT 163.25 605.25 Td (-over) Tj ET Q q 0 0 0 rg BT 184.15 605.25 Td (-year \(27% decrease\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 64.12 593.25 Td (-over) Tj ET Q q 0 0 0 rg BT 85.01 593.25 Td (-quarter \(4% decrease\), driven primarily by Citi) Tj ET Q q 0 0 0 rg BT 279.11 593.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (continued ef) Tj ET Q q 0 0 0 rg BT 85.52 581.25 Td (forts to optimize its funding profile.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (Secured Funding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (Secured funding is primarily accessed through Citi) Tj ET Q q 0 0 0 rg BT 242.06 545.25 Td (s broker) Tj ET Q q 0 0 0 rg BT 274.35 545.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (dealer subsidiaries to ef) Tj ET Q q 0 0 0 rg BT 130.51 533.25 Td (ficiently fund both \(i\) secured lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (activity and \(ii\) a portion of the securities inventory held in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 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 36.00 497.25 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 36.00 485.25 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 36.00 473.25 Td (foreign government debt securities. Generally) Tj ET Q q 0 0 0 rg BT 218.90 473.25 Td (, daily changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (in the level of Citi) Tj ET Q q 0 0 0 rg BT 111.54 461.25 Td (s secured funding are primarily due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 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 36.00 437.25 Td (\(as described below\) and securities inventory) Tj ET Q q 0 0 0 rg BT 216.12 437.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 425.25 Td (Secured funding of $178 billion as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.50 425.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.50 425.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (increased 14% from the prior year and 1% from the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 63.76 401.25 Td (. Excluding the impact of FX translation, secured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (funding increased 17% from the prior year and 2% from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (prior quarter) Tj ET Q q 0 0 0 rg BT 85.85 377.25 Td (, both driven by normal business activity) Tj ET Q q 0 0 0 rg BT 248.24 377.25 Td (. ) Tj ET Q q 0 0 0 rg BT 252.68 377.25 Td (A) Tj ET Q q 0 0 0 rg BT 259.16 377.25 Td (verage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (balances for secured funding were $177 billion for the quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (ended December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.96 353.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.96 353.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 341.25 Td (The portion of secured funding in the broker) Tj ET Q q 0 0 0 rg BT 231.80 341.25 Td (-dealer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (subsidiaries that funds secured lending is commonly referred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (to as matched book activity) Tj ET Q q 0 0 0 rg BT 154.20 317.25 Td (. ) Tj ET Q q 0 0 0 rg BT 159.02 317.25 Td (The majority of this activity is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (secured by high-quality liquid securities such as U.S. ) Tj ET Q q 0 0 0 rg BT 250.78 305.25 Td (T) Tj ET Q q 0 0 0 rg BT 256.54 305.25 Td (reasury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 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 36.00 281.25 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 36.00 269.25 Td (securities, including equity securities, corporate bonds and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (asset-backed securities. ) Tj ET Q q 0 0 0 rg BT 132.17 257.25 Td (The tenor of Citi) Tj ET Q q 0 0 0 rg BT 201.87 257.25 Td (s matched book ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 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 36.00 233.25 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 531.44 677.10 Td (. ) Tj ET Q q 0 0 0 rg BT 536.26 677.10 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, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.58 641.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.58 641.10 Td (.) 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 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 (89) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Overall Short-T) Tj ET Q q 0 0 0 rg BT 100.36 749.25 Td (erm Borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The following table contains the year) Tj ET Q q 0 0 0 rg BT 184.92 737.25 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 36.00 725.25 Td (borrowings categories at the end of each of the three prior years:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 670.75 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.50 670.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 670.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 670.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 670.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 670.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 670.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 670.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 670.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 670.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 642.75 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.50 642.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 642.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 642.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 642.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 642.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 642.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 642.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 642.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 642.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 614.75 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.50 614.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 614.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 614.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 614.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 614.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 614.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 614.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 614.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 614.75 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 317.5 700.75 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 403.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 700.75 m 446.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 700.75 m 489.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 700.75 m 532.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 700.75 m 575.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 685.75 m 231.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.75 m 274.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 685.75 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 317.5 685.75 m 360.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 685.75 m 403.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 685.75 m 446.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 685.75 m 489.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 685.75 m 532.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 685.75 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 35.5 670.75 m 188.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 670.75 m 231.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.75 m 274.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.75 m 274.5 670.75 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 317.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 685.75 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 274.5 670.75 m 317.5 670.75 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 360.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 670.75 m 360.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 685.75 m 403.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 670.75 m 403.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 685.75 m 446.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 685.75 m 446.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 670.75 m 446.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 670.75 m 489.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 685.75 m 532.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 670.75 m 532.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 685.75 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 532.5 670.75 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 188.5 670.75 m 231.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.75 m 274.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 670.75 m 317.5 656.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 670.75 m 317.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 670.75 m 360.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 670.75 m 403.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 670.75 m 446.5 656.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 670.75 m 446.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 670.75 m 532.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 670.75 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 317.5 656.75 m 317.5 642.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 656.75 m 446.5 642.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 628.75 m 188.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 628.75 m 231.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 628.75 m 274.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 642.75 m 317.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 628.75 m 317.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 628.75 m 360.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 628.75 m 403.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 642.75 m 446.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 628.75 m 446.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 628.75 m 489.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 628.75 m 532.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 628.75 m 575.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 628.75 m 317.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 628.75 m 446.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 614.75 m 317.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 614.75 m 446.5 600.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 586.75 m 188.5 586.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 586.75 m 231.5 586.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 586.75 m 274.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 600.75 m 317.5 586.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 586.75 m 317.5 586.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 586.75 m 360.5 586.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 586.75 m 403.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 600.75 m 446.5 586.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 586.75 m 446.5 586.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 586.75 m 489.5 586.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 586.75 m 532.5 586.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 586.75 m 575.5 586.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.40 706.15 Td (Federal funds pur) Tj ET Q q 0 0 0 rg BT 265.75 706.15 Td (chased and ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.05 697.15 Td (securities sold under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.25 688.20 Td (agr) Tj ET Q q 0 0 0 rg BT 216.08 688.20 Td (eements to r) Tj ET Q q 0 0 0 rg BT 262.90 688.20 Td (epur) Tj ET Q q 0 0 0 rg BT 280.73 688.20 Td (chase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.05 705.20 Td (Short-term borr) Tj ET Q q 0 0 0 rg BT 460.61 705.20 Td (owings) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 487.12 709.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.05 690.20 Td (Commer) Tj ET Q q 0 0 0 rg BT 375.87 690.20 Td (cial paper) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 414.12 694.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.75 690.20 Td (Other) Tj ET Q q 0 0 0 rg BT 473.58 690.20 Td ( short-term borr) Tj ET Q q 0 0 0 rg BT 536.89 690.20 Td (owings) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 563.40 694.28 Td (\(3\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 675.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.50 675.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 243.50 675.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 675.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.50 675.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 675.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 675.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 675.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 675.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 675.21 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 661.21 Td (Amounts outstanding at year end) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.00 661.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 661.20 Td (177.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.25 661.21 Td (156.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 661.21 Td (141.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 661.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 661.20 Td (13.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.25 661.21 Td (9.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 661.21 Td (10.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 661.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 661.20 Td (19.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 661.21 Td (34.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 661.21 Td (20.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 647.21 Td (A) Tj ET Q q 0 0 0 rg BT 43.83 647.21 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 168.79 651.29 Td (\(4\)\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 647.20 Td (172.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.25 647.21 Td (157.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 647.21 Td (158.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 647.20 Td (1) Tj ET Q q 0 0 0 rg BT 339.75 647.20 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 647.21 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 647.21 Td (10.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 647.20 Td (26.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 647.21 Td (23.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 647.21 Td (14.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 633.21 Td (Maximum month-end outstanding) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 633.20 Td (191.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.25 633.21 Td (163.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 633.21 Td (171.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 633.20 Td (13.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 633.21 Td (10.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 633.21 Td (10.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 633.20 Td (34.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 633.21 Td (34.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 633.21 Td (20.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 619.20 Td (W) Tj ET Q q 0 0 0 rg BT 46.50 619.20 Td (eighted-average inter) Tj ET Q q 0 0 0 rg BT 128.06 619.20 Td (est rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 605.21 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 94.48 609.29 Td (\(4\)\(5\)\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.25 605.20 Td (2.84) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.00 605.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.75 605.21 Td (1.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.50 605.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 605.21 Td (1.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.50 605.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 605.20 Td (2.19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.00 605.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 605.21 Td (1.27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 605.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 605.21 Td (0.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 605.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 605.20 Td (4.17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 605.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 605.21 Td (2.81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 605.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 605.21 Td (2.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 605.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 591.21 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 79.98 595.29 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 591.20 Td (1.95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 591.21 Td (1.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 591.21 Td (0.79) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 591.20 Td (2.99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 591.21 Td (1.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 591.21 Td (1.39) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 568.05 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 568.05 Td (Original maturities of less than one year) Tj ET Q q 0 0 0 rg BT 181.96 568.05 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 558.45 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 558.45 Td (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 36.00 548.85 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 548.85 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 36.00 539.25 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 539.25 Td (Interest rates and amounts include the ef) Tj ET Q q 0 0 0 rg BT 183.14 539.25 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 36.00 529.65 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 529.65 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 529.65 Td (verage volumes of securities sold under agreements to repurchase are reported net pursuant to ) Tj ET Q q 0 0 0 rg BT 360.85 529.65 Td (ASC 210-20-45; average rates exclude the impact of ) Tj ET Q q 0 0 0 rg BT 530.57 529.65 Td (ASC ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 520.05 Td (210-20-45.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 510.45 Td (\(6\) ) Tj ET Q q 0 0 0 rg BT 54.00 510.45 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 510.45 Td (verage rates reflect prevailing local interest rates, including inflationary ef) Tj ET Q q 0 0 0 rg BT 296.27 510.45 Td (fects and monetary correction in certain countries.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 500.85 Td (\(7\) ) Tj ET Q q 0 0 0 rg BT 54.00 500.85 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 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 (90) 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 (, funding capacity) Tj ET Q q 0 0 0 rg BT 238.56 737.25 Td (, ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (access capital markets and other sources of funds, the cost of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (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 shows 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 December31, 2018. ) Tj ET Q q 0 0 0 rg BT 178.01 677.25 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- 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 Markets Holding Inc. \(CGMHI\) were BBB+/A-2 at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 640.05 Td (Standard & Poor) Tj ET Q q 0 0 0 rg BT 103.59 640.05 Td () Tj ET Q q 0 0 0 rg BT 106.37 640.05 Td (s and ) Tj ET Q q 0 0 0 rg BT 129.14 640.05 Td (A/F1 at Fitch as of December 31, 2018) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 285.22 640.05 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 584.55 257.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 584.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 584.55 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 584.55 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 584.55 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 584.55 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 584.55 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 549.55 257.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 549.55 43.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 549.55 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 549.55 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 549.55 30.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 549.55 31.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 549.55 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 293.5 607.55 m 336.5 607.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 607.55 m 390.5 607.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 607.55 m 444.5 607.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 607.55 m 474.5 607.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 607.55 m 505.5 607.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 607.55 m 569.5 607.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 584.55 m 293.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 607.55 m 444.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 607.55 m 569.5 607.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 584.55 m 569.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 584.55 m 336.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 584.55 m 390.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 584.55 m 444.5 570.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 584.55 m 444.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 584.55 m 474.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 584.55 m 505.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 584.55 m 569.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 570.55 m 444.5 549.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 534.55 m 293.5 534.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 534.55 m 336.5 534.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 534.55 m 390.5 534.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 549.55 m 444.5 534.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 534.55 m 444.5 534.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 534.55 m 474.5 534.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 534.55 m 505.5 534.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 534.55 m 569.5 534.55 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 612.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.30 612.00 Td (Citigr) Tj ET Q q 0 0 0 rg BT 364.21 612.00 Td (oupInc.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.45 612.00 Td (Citibank, N.A.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 589.00 Td (Ratings as of December) Tj ET Q q 0 0 0 rg BT 129.57 589.00 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.05 598.00 Td (Senior) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.95 589.00 Td (debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.30 598.00 Td (Commer) Tj ET Q q 0 0 0 rg BT 373.12 598.00 Td (cial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.80 589.00 Td (paper) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.20 589.00 Td (Outlook) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.45 598.00 Td (Long-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.75 589.00 Td (term) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 598.00 Td (Short-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.25 589.00 Td (term) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.20 589.00 Td (Outlook) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 575.01 Td (Fitch Ratings \(Fitch\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.45 575.00 Td (A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 575.00 Td (F1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.95 575.00 Td (Stable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.15 575.00 Td (A+) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.50 575.00 Td (F1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.95 575.00 Td (Stable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 554.01 Td (Moody) Tj ET Q q 0 0 0 rg BT 67.50 554.01 Td (s Investors Service \(Moody) Tj ET Q q 0 0 0 rg BT 169.24 554.01 Td (s\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.70 554.00 Td (Baa1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.50 554.00 Td (P-2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.80 561.95 Td (Under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.30 552.95 Td (r) Tj ET Q q 0 0 0 rg BT 408.21 552.95 Td (eview) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 554.00 Td (A1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.00 554.00 Td (P-1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.80 561.95 Td (Under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.30 552.95 Td (r) Tj ET Q q 0 0 0 rg BT 528.13 552.95 Td (eview) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 539.91 Td (Standard& Poor) Tj ET Q q 0 0 0 rg BT 99.83 539.91 Td () Tj ET Q q 0 0 0 rg BT 102.33 539.91 Td (s \(S&P\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 540.00 Td (BBB+) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.00 540.00 Td (A-2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.95 540.00 Td (Stable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.15 540.00 Td (A+) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 540.00 Td (A-1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.95 540.00 Td (Stable) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 503.05 Td (Recent Credit Ratings Developments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 491.05 Td (On November 29, 2018, Moody's placed the long-term ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 479.05 Td (of Citigroup and Citibank, N.A. on "Review for Possible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 467.05 Td (Upgrade." Over the course of the review period, Moody) Tj ET Q q 0 0 0 rg BT 262.79 467.05 Td (s will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 455.05 Td (assess, among other things, Citi) Tj ET Q q 0 0 0 rg BT 165.44 455.05 Td (s ability to achieve its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 443.05 Td (medium-term ef) Tj ET Q q 0 0 0 rg BT 100.52 443.05 Td (ficiency and profitability tar) Tj ET Q q 0 0 0 rg BT 212.79 443.05 Td (gets while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 431.05 Td (maintaining strong governance and risk controls.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 419.05 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 419.05 Td (On February 21, 2019, Moody) Tj ET Q q 0 0 0 rg BT 178.99 419.05 Td (s upgraded the ratings for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 407.05 Td (long-term debt, deposits and counterparty risk of Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 395.05 Td (and certain of its subsidiaries, as well as the baseline credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 383.05 Td (assessment \(BCA\) of Citibank, N.A. In addition, Moody's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 371.05 Td (af) Tj ET Q q 0 0 0 rg BT 43.59 371.05 Td (firmed all short-term ratings and assessments of Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 359.05 Td (and those subsidiaries. ) Tj ET Q q 0 0 0 rg BT 128.58 359.05 Td (The ratings outlook was changed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 347.05 Td (Stable from Review for Possible Upgrade.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 323.05 Td (Potential Impacts of Ratings Downgrades) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 311.05 Td (Ratings downgrades by Moody) Tj ET Q q 0 0 0 rg BT 164.05 311.05 Td (s, Fitch or S&P) Tj ET Q q 0 0 0 rg BT 225.36 311.05 Td ( could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 299.05 Td (negatively impact Citigroup) Tj ET Q q 0 0 0 rg BT 150.98 299.05 Td (s and/or Citibank) Tj ET Q q 0 0 0 rg BT 222.64 299.05 Td (s funding and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 287.05 Td (liquidity due to reduced funding capacity) Tj ET Q q 0 0 0 rg BT 200.02 287.05 Td (, including derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 275.05 Td (triggers, which could take the form of cash obligations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 263.05 Td (collateral requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 251.05 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 36.00 239.05 Td (analyzing the potential funding and liquidity impact to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 227.05 Td (Citigroup and Citibank of a hypothetical, simultaneous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 215.05 Td (ratings downgrade across all three major rating agencies. ) Tj ET Q q 0 0 0 rg BT 266.01 215.05 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 203.05 Td (analysis is subject to certain estimates, estimation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 191.05 Td (methodologies, judgments and uncertainties. Uncertainties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 179.05 Td (include potential ratings limitations that certain entities may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 167.05 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 36.00 155.05 Td (general subjective counterparty behavior) Tj ET Q q 0 0 0 rg BT 198.43 155.05 Td (. For example, certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 143.05 Td (corporate customers and markets counterparties could re-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 131.05 Td (evaluate their business relationships with Citi and limit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 119.05 Td (transactions in certain contracts or market instruments with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 107.05 Td (Citi. Changes in counterparty behavior could impact Citi) Tj ET Q q 0 0 0 rg BT 265.95 107.05 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 95.05 Td (funding and liquidity) Tj ET Q q 0 0 0 rg BT 119.79 95.05 Td (, as well as the results of operations of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 83.05 Td (certain of its businesses. ) Tj ET Q q 0 0 0 rg BT 135.52 83.05 Td (The actual impact to Citigroup or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 71.05 Td (Citibank is unpredictable and may dif) Tj ET Q q 0 0 0 rg BT 186.62 71.05 Td (fer materially from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 59.05 Td (potential funding and liquidity impacts described below) Tj ET Q q 0 0 0 rg BT 258.64 59.05 Td (. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 47.05 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 324.00 515.05 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 324.00 503.05 Td (Liquidity Risks above.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 479.05 Td (Citigr) Tj ET Q q 0 0 0 rg BT 350.03 479.05 Td (oup Inc. and CitibankPotential Derivative T) Tj ET Q q 0 0 0 rg BT 535.00 479.05 Td (riggers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 467.05 Td (As of December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.03 467.05 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.03 467.05 Td (, Citi estimates that a hypothetical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 455.05 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 324.00 443.05 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 324.00 431.05 Td (impact Citigroup) Tj ET Q q 0 0 0 rg BT 394.83 431.05 Td (s funding and liquidity due to derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 419.05 Td (triggers by approximately $0.2 billion, compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 407.05 Td ($0.4billion as of September 30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.54 407.05 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.54 407.05 Td (. Other funding sources, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 395.05 Td (such as secured financing transactions and other mar) Tj ET Q q 0 0 0 rg BT 534.58 395.05 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 383.05 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 324.00 371.05 Td (also be adversely af) Tj ET Q q 0 0 0 rg BT 402.95 371.05 Td (fected.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 359.05 Td (As of December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.03 359.05 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.03 359.05 Td (, Citi estimates that a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 347.05 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 324.00 335.05 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 324.00 323.05 Td (could impact Citibank) Tj ET Q q 0 0 0 rg BT 415.65 323.05 Td (s funding and liquidity by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 311.05 Td (approximately $0.5 billion, compared to $1.2billion as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 299.05 Td (September 30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.26 299.05 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.26 299.05 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 287.05 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 324.00 275.05 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 324.00 263.05 Td (could result in increased aggregate cash obligations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 251.05 Td (collateral requirements of approximately $0.7 billion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 239.05 Td (compared to $1.6billion as of September 30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.74 239.05 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.74 239.05 Td ( \(see also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 227.05 Td (Note22 to the Consolidated Financial Statements\). ) Tj ET Q q 0 0 0 rg BT 530.08 227.05 Td (As detailed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 215.05 Td (under High-Quality Liquid ) Tj ET Q q 0 0 0 rg BT 438.15 215.05 Td (Assets above, the liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 203.05 Td (resources that are eligible for inclusion in the calculation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 191.05 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 191.05 Td (s consolidated HQLA) Tj ET Q q 0 0 0 rg BT 428.44 191.05 Td ( were approximately $339) 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 533.13 191.05 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 535.63 191.05 Td (billion for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 179.05 Td (Citibank and $65 billion for Citi) Tj ET Q q 0 0 0 rg BT 455.94 179.05 Td (s non-bank and other entities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 167.05 Td (for a total of approximately $404billion as of December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 155.05 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 155.05 Td (. ) Tj ET Q q 0 0 0 rg BT 348.82 155.05 Td (These liquidity resources are available in part as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 143.05 Td (contingency for the potential events described above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 131.05 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 324.00 119.05 Td (currently included in Citigroup) Tj ET Q q 0 0 0 rg BT 450.92 119.05 Td (s and Citibank) Tj ET Q q 0 0 0 rg BT 511.47 119.05 Td (s contingency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 107.05 Td (funding plans. For Citigroup, these mitigating factors include, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 95.05 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 324.00 83.05 Td (existing clients, tailoring levels of secured lending and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 71.05 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 324.00 59.05 Td (borrowings from certain Citibank subsidiaries. Mitigating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 47.05 Td (actions available to Citibank include, but are not limited to, ) 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 (91) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (selling or financing highly liquid government securities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 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 36.00 725.10 Td (trading assets, reducing loan originations and renewals, raising ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 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 36.00 701.10 Td (banks. Citi believes these mitigating actions could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (substantially reduce the funding and liquidity risk, if any) Tj ET Q q 0 0 0 rg BT 262.25 689.10 Td (, of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (the potential downgrades described above.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (CitibankAdditional Potential Impacts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 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 36.00 641.10 Td (potential downgrade of Citibank) Tj ET Q q 0 0 0 rg BT 168.47 641.10 Td (s senior debt/long-term rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (across any of the three major rating agencies could also have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (an adverse impact on the commercial paper/short-term rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (of Citibank. ) Tj ET Q q 0 0 0 rg BT 85.72 605.10 Td (As of December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.75 605.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.75 605.10 Td (, Citibank had liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (commitments of approximately $13.2billion to consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (asset-backed commercial paper conduits, compared to $12.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (billion as of September 30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.54 569.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.54 569.10 Td ( \(as referenced in Note 21 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (the Consolidated Financial Statements\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 545.10 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 36.00 533.10 Td (certain Citibank entities, Citibank could reduce the funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (and liquidity risk, if any) Tj ET Q q 0 0 0 rg BT 131.73 521.10 Td (, of the potential downgrades ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (described above through mitigating actions, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (repricing or reducing certain commitments to commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (paper conduits. In the event of the potential downgrades ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (described above, Citi believes that certain corporate customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (could re-evaluate their deposit relationships with Citibank. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (This re-evaluation could result in clients adjusting their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (discretionary deposit levels or changing their depository ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (institution, which could potentially reduce certain deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (levels at Citibank. However) Tj ET Q q 0 0 0 rg BT 147.24 413.10 Td (, Citi could choose to adjust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (pricing, of) Tj ET Q q 0 0 0 rg BT 77.47 401.10 Td (fer alternative deposit products to its existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (customers or seek to attract deposits from new customers, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (addition to the mitigating actions referenced above.) 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 (92) 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 (Overview) 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. Market risk emanates from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 651.90 Td (both Citi) Tj ET Q q 0 0 0 rg BT 74.06 651.90 Td (s trading and non-trading portfolios. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 639.90 Td (information on market risk, see Risk Factors above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 627.90 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 36.00 615.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 615.90 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 36.00 603.90 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 36.00 591.90 Td (profiles and is within the parameters of Citi) Tj ET Q q 0 0 0 rg BT 212.90 591.90 Td (s overall risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 579.90 Td (appetite. ) Tj ET Q q 0 0 0 rg BT 72.47 579.90 Td (These limits are monitored by the Risk or) Tj ET Q q 0 0 0 rg BT 238.65 579.90 Td (ganization, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 567.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 567.90 Td (s country and business ) Tj ET Q q 0 0 0 rg BT 146.00 567.90 Td (Asset and Liability Committees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 555.90 Td (and the Citigroup ) Tj ET Q q 0 0 0 rg BT 107.94 555.90 Td (Asset and Liability Committee. In all cases, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 543.90 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 36.00 531.90 Td (taken and for remaining within their defined limits.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 495.90 Td (Market Risk of Non-T) Tj ET Q q 0 0 0 rg BT 130.53 495.90 Td (rading Portfolios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 483.90 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 36.00 471.90 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 36.00 459.90 Td (exchange rates on Citi) Tj ET Q q 0 0 0 rg BT 127.91 459.90 Td (s net interest revenues, the changes in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 447.90 Td (Accumulated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.20 447.90 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 90.70 447.90 Td (other compr) Tj ET Q q 0 0 0 rg BT 139.49 447.90 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.01 447.90 Td ( \(AOCI\) from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 435.90 Td (its debt securities portfolios and capital invested in foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 423.90 Td (currencies. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 399.90 Td (Net Inter) Tj ET Q q 0 0 0 rg BT 74.97 399.90 Td (est Revenue at Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.90 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 36.00 375.90 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 375.90 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 36.00 363.90 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 36.00 351.90 Td (the liabilities \(including customer deposits or company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 339.90 Td (borrowings\). Net interest revenue is af) Tj ET Q q 0 0 0 rg BT 189.66 339.90 Td (fected by changes in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 327.90 Td (level of interest rates, as well as the amounts and mix of assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 315.90 Td (and liabilities, and the timing of contractual and assumed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 303.90 Td (repricing of assets and liabilities to reflect market rates.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 291.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.50 291.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 74.28 291.90 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 36.00 279.90 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 36.00 267.90 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 36.00 255.90 Td (from unanticipated changes in forward interest rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 243.90 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 243.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 243.90 Td (s estimated IRE incorporates various assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 231.90 Td (including prepayment rates on loans, customer behavior and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 219.90 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 36.00 207.90 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 36.00 195.90 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 36.00 183.90 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 36.00 171.90 Td (scenarios, it is assumed that mortgage portfolios experience ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 159.90 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 36.00 147.90 Td (Citi ) Tj ET Q q 0 0 0 rg BT 53.32 147.90 Td (T) Tj ET Q q 0 0 0 rg BT 59.08 147.90 Td (reasury make no additional changes in balances or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 135.90 Td (positioning in response to the unanticipated rate changes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 123.90 Td (In order to manage changes in interest rates ef) Tj ET Q q 0 0 0 rg BT 238.18 123.90 Td (fectively) Tj ET Q q 0 0 0 rg BT 272.52 123.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 111.90 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 99.90 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 87.90 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 75.90 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 63.90 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 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Company-wide position. Citi) Tj ET Q q 0 0 0 rg BT 443.17 713.10 Td (s client-facing businesses create ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (interest rate sensitive positions, including loans and deposits, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (as part of their ongoing activities. Citi ) Tj ET Q q 0 0 0 rg BT 478.23 689.10 Td (T) Tj ET Q q 0 0 0 rg BT 483.99 689.10 Td (reasury aggregates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (these risk positions and manages them centrally) Tj ET Q q 0 0 0 rg BT 514.42 677.10 Td (. Operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (within established limits, Citi ) Tj ET Q q 0 0 0 rg BT 444.10 665.10 Td (T) Tj ET Q q 0 0 0 rg BT 449.85 665.10 Td (reasury makes positioning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (decisions and uses tools, such as Citi) Tj ET Q q 0 0 0 rg BT 474.27 653.10 Td (s investment securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (portfolio, company-issued debt and interest rate derivatives, to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (tar) Tj ET Q q 0 0 0 rg BT 334.37 629.10 Td (get the desired risk profile. Changes in Citi) Tj ET Q q 0 0 0 rg BT 509.33 629.10 Td (s interest rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (risk position reflect the accumulated changes in all non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (trading assets and liabilities, with potentially lar) Tj ET Q q 0 0 0 rg BT 515.72 605.10 Td (ge and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 593.10 Td (fsetting impacts, as well as in Citi ) Tj ET Q q 0 0 0 rg BT 469.73 593.10 Td (T) Tj ET Q q 0 0 0 rg BT 475.48 593.10 Td (reasury) Tj ET Q q 0 0 0 rg BT 507.69 593.10 Td (s positioning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (decisions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 569.10 Td (Citigroup employs additional measurements, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 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 324.00 545.10 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 324.00 533.10 Td (duration and volatility) Tj ET Q q 0 0 0 rg BT 412.22 533.10 Td (, particularly as they relate to mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 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 324.00 509.10 Td (of the change in the spread between dif) Tj ET Q q 0 0 0 rg BT 480.70 509.10 Td (ferent market indices.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 345.48 485.10 Td (est Rate Risk of Investment PortfoliosImpact ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (on ) Tj ET Q q 0 0 0 rg BT 336.51 473.10 Td (AOCI) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 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 324.00 449.10 Td (rates on the value of its ) Tj ET Q q 0 0 0 rg BT 418.98 449.10 Td (AOCI, which can in turn impact Citi) Tj ET Q q 0 0 0 rg BT 568.12 449.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (common equity and tangible common equity) Tj ET Q q 0 0 0 rg BT 502.48 437.10 Td (. ) Tj ET Q q 0 0 0 rg BT 509.80 437.10 Td (This will impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 425.10 Td (s Common Equity ) Tj ET Q q 0 0 0 rg BT 416.89 425.10 Td (T) Tj ET Q q 0 0 0 rg BT 422.64 425.10 Td (ier 1 and other regulatory capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (ratios. Citi) Tj ET Q q 0 0 0 rg BT 369.00 413.10 Td (s goal is to benefit from an increase in the market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (level of interest rates, while limiting the impact of changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (AOCI on its regulatory capital position.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 377.10 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 324.00 365.10 Td (interest rate risk position. ) Tj ET Q q 0 0 0 rg BT 427.59 365.10 Td (AOCI at risk considers potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (changes in ) Tj ET Q q 0 0 0 rg BT 368.43 353.10 Td (AOCI \(and the corresponding impact on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 392.71 341.10 Td (T) Tj ET Q q 0 0 0 rg BT 398.47 341.10 Td (ier1 Capital ratio\) relative to Citi) Tj ET Q q 0 0 0 rg BT 535.09 341.10 Td (s capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (generation capacity) Tj ET Q q 0 0 0 rg BT 401.36 329.10 Td (.) 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 (93) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (The following table shows the estimated impact to Citi) Tj ET Q q 0 0 0 rg BT 258.18 749.10 Td (s net interest revenue, ) Tj ET Q q 0 0 0 rg BT 347.32 749.10 Td (AOCI and the Common Equity ) Tj ET Q q 0 0 0 rg BT 474.63 749.10 Td (T) Tj ET Q q 0 0 0 rg BT 480.38 749.10 Td (ier1 Capital ratio, each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (assuming an unanticipated parallel instantaneous 100 bps 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 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 712.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 712.60 65.00 -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 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 684.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 684.60 65.00 -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 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 656.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 656.60 65.00 -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 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 628.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 628.60 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 36.5 712.6 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 446.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 712.6 m 511.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 712.6 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 446.5 712.6 m 511.5 712.6 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 446.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 670.6 m 511.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 670.6 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 446.5 614.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 614.6 m 511.5 614.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 614.6 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, except as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.25 717.05 Td (Dec. 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.45 717.06 Td (Sept. 30, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.25 717.06 Td (Dec. 31, 2017) 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 inter) Tj ET Q q 0 0 0 rg BT 195.58 703.05 Td (est r) Tj ET Q q 0 0 0 rg BT 212.15 703.05 Td (evenue) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.50 689.05 Td (758) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 689.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 689.06 Td (879) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 689.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 689.06 Td (1,471) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 675.06 Td (All other currencies) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.50 675.05 Td (661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 675.06 Td (649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 675.06 Td (598) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 661.06 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 661.06 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 661.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.75 661.05 Td (1,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 661.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.25 661.06 Td (1,528) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 661.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 661.06 Td (2,069) 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 421.25 647.05 Td (0.08) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 647.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.75 647.06 Td (0.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.50 647.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 647.06 Td (0.12) 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 (\(2\)\(3\)) 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 413.75 633.05 Td (\(3,920) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 633.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 633.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.25 633.06 Td (\(4,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.50 633.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 633.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 633.06 Td (\(4,853) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 633.06 Td (\)) 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 425.00 619.05 Td (\(28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 619.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.50 619.06 Td (\(31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.50 619.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 619.06 Td (\(35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 619.06 Td (\)) 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 $\(242\)million for a 100 bps instantaneous increase in interest rates as of December31, 2018.) 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 (Results as of December 31, 2017 reflect the impact of ) Tj ET Q q 0 0 0 rg BT 228.24 559.10 Td (T) Tj ET Q q 0 0 0 rg BT 232.57 559.10 Td (ax Reform, including the lower expected ef) Tj ET Q q 0 0 0 rg BT 371.26 559.10 Td (fective tax rate and the impact to Citi) Tj ET Q q 0 0 0 rg BT 492.33 559.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 507.46 559.10 Td (A) Tj ET Q q 0 0 0 rg BT 512.80 559.10 Td ( position. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 528.50 Td (The 2018 decrease in the estimated impact to net interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 516.50 Td (revenue primarily reflected changes in Citi) Tj ET Q q 0 0 0 rg BT 210.10 516.50 Td (s balance sheet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 504.50 Td (composition, including increased sensitivity in deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 492.50 Td (combined with loan growth, and Citi ) Tj ET Q q 0 0 0 rg BT 185.52 492.50 Td (T) Tj ET Q q 0 0 0 rg BT 191.28 492.50 Td (reasury positioning. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 480.50 Td (The 2018 changes in the estimated impact to ) Tj ET Q q 0 0 0 rg BT 216.51 480.50 Td (AOCI and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 468.50 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 104.71 468.50 Td (T) Tj ET Q q 0 0 0 rg BT 110.47 468.50 Td (ier 1 Capital ratio primarily reflected the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 456.50 Td (impact of the composition of Citi ) Tj ET Q q 0 0 0 rg BT 171.36 456.50 Td (T) Tj ET Q q 0 0 0 rg BT 177.11 456.50 Td (reasury) Tj ET Q q 0 0 0 rg BT 209.32 456.50 Td (s investment and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 444.50 Td (derivatives 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 (bps increase in interest rates, Citi expects that 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 December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.08 492.50 Td (2018) 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 $3.9 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 18months.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 456.50 Td (The following table shows the estimated impact to Citi) Tj ET Q q 0 0 0 rg BT 564.18 456.50 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 444.50 Td (net interest revenue, ) Tj ET Q q 0 0 0 rg BT 406.74 444.50 Td (AOCI and the Common Equity ) Tj ET Q q 0 0 0 rg BT 534.05 444.50 Td (T) Tj ET Q q 0 0 0 rg BT 539.81 444.50 Td (ier1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 432.50 Td (Capital ratio under four dif) Tj ET Q q 0 0 0 rg BT 431.56 432.50 Td (ferent changes in interest rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 420.50 Td (scenarios for the U.S. dollar and Citi) Tj ET Q q 0 0 0 rg BT 473.41 420.50 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, except as 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.50 323.46 Td (758) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 323.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 323.46 Td (755) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 323.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 323.46 Td (40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 323.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 323.46 Td (\(52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 323.46 Td (\)) 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 (661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 309.46 Td (585) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 309.46 Td (37) 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 (T) Tj ET Q q 0 0 0 rg BT 44.18 295.46 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 295.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.75 295.46 Td (1,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 295.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 295.46 Td (1,340) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 295.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 295.46 Td (77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 295.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 295.46 Td (\(88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 295.46 Td (\)) 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 (\(3,920) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 281.46 Td (\)) 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 (\(2,405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 281.46 Td (\)) 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 (\(1,746) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 281.46 Td (\)) 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 (1,252) 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 q 0 0 0 rg BT 411.00 267.46 Td (\(28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 267.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 267.46 Td (\(16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 267.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 267.46 Td (\(14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 267.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 267.46 Td (9) 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 assumes that the rate change will occur instantaneously) Tj ET Q q 0 0 0 rg BT 278.95 245.90 Td (. Changes in interest rates for maturities between the overnight rate and the 10-year rate are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 236.30 Td (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 10.00 Tf ET q 0 0 0 rg BT 54.00 202.70 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 36.00 190.70 Td (to Citi) Tj ET Q q 0 0 0 rg BT 64.06 190.70 Td (s net interest revenue and ) Tj ET Q q 0 0 0 rg BT 167.64 190.70 Td (AOCI is greater under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.70 Td (scenario 2 as compared to scenario 3. ) Tj ET Q q 0 0 0 rg BT 187.98 178.70 Td (This is because the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.70 Td (combination of changes to Citi) Tj ET Q q 0 0 0 rg BT 162.09 166.70 Td (s investment portfolio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.70 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 154.70 Td (fset by changes related to Citi) Tj ET Q q 0 0 0 rg BT 201.88 154.70 Td (s pension liabilities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.70 Td (results in a net position that is more sensitive to rates at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.70 Td (shorter) Tj ET Q q 0 0 0 rg BT 63.57 130.70 Td (- and intermediate-term maturities.) Tj ET Q 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 (94) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (Changes in For) Tj ET Q q 0 0 0 rg BT 98.41 749.10 Td (eign Exchange RatesImpacts on ) Tj ET Q q 0 0 0 rg BT 237.64 749.10 Td (AOCI ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (and Capital) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (As of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.03 725.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.03 725.10 Td (, Citi estimates that an unanticipated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 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 36.00 701.10 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 36.00 689.10 Td (capital could reduce Citi) Tj ET Q q 0 0 0 rg BT 136.80 689.10 Td (s tangible common equity \(TCE\) by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (approximately $1.4 billion, or 1.0%, as a result of changes to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 665.10 Td (s foreign currency translation adjustment in ) Tj ET Q q 0 0 0 rg BT 229.85 665.10 Td (AOCI, net of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (hedges. ) Tj ET Q q 0 0 0 rg BT 68.59 653.10 Td (This impact would be primarily due to changes in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (value of the Mexican peso, the Euro and the ) Tj ET Q q 0 0 0 rg BT 214.28 641.10 Td (Australian dollar) Tj ET Q q 0 0 0 rg BT 281.21 641.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 629.10 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 36.00 617.10 Td (take, including ongoing management of its foreign currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (translation exposure. Specifically) Tj ET Q q 0 0 0 rg BT 168.92 605.10 Td (, as currency movements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (change the value of Citi) Tj ET Q q 0 0 0 rg BT 134.30 593.10 Td (s net investments in foreign currency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (denominated capital, these movements also change the value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (of Citi) Tj ET Q q 0 0 0 rg BT 64.61 569.10 Td (s risk-weighted assets denominated in those currencies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (This, coupled with Citi) Tj ET Q q 0 0 0 rg BT 131.00 557.10 Td (s foreign currency hedging strategies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (such as foreign currency borrowings, foreign currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (forwards and other currency hedging instruments, lessens the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (impact of foreign currency movements on Citi) Tj ET Q q 0 0 0 rg BT 224.28 521.10 Td (s Common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 64.98 509.10 Td (T) Tj ET Q q 0 0 0 rg BT 70.74 509.10 Td (ier1 Capital ratio. Changes in these hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 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 36.00 485.10 Td (impacts, can further af) Tj ET Q q 0 0 0 rg BT 125.78 485.10 Td (fect the actual impact of changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (foreign exchange rates on Citi) Tj ET Q q 0 0 0 rg BT 159.29 473.10 Td (s capital as compared to an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (unanticipated parallel shock, as described above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 367.63 749.10 Td (fect of Citi) Tj ET Q q 0 0 0 rg BT 413.73 749.10 Td (s ongoing management strategies with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 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 324.00 725.10 Td (these changes on Citi) Tj ET Q q 0 0 0 rg BT 412.04 725.10 Td (s ) Tj ET Q q 0 0 0 rg BT 418.25 725.10 Td (TCE and Common Equity ) Tj ET Q q 0 0 0 rg BT 525.28 725.10 Td (T) Tj ET Q q 0 0 0 rg BT 531.04 725.10 Td (ier 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Capital ratio are shown in the table below) Tj ET Q q 0 0 0 rg BT 490.25 713.10 Td (. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (information on the changes in ) Tj ET Q q 0 0 0 rg BT 445.36 701.10 Td (AOCI, see Note 19 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (Consolidated Financial Statements.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 422.60 345.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 422.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 422.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 422.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 394.60 345.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 394.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 394.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 394.60 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 381.5 436.6 m 446.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 436.6 m 511.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 436.6 m 576.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 422.6 m 381.5 422.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 422.6 m 446.5 422.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 436.6 m 511.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 422.6 m 511.5 422.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 422.6 m 576.5 422.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 380.6 m 381.5 380.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 380.6 m 446.5 380.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 380.6 m 511.5 380.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 380.6 m 576.5 380.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 357.6 m 381.5 357.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 357.6 m 446.5 357.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 357.6 m 511.5 357.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 357.6 m 576.5 357.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 441.05 Td (For) Tj ET Q q 0 0 0 rg BT 449.91 441.05 Td ( the quarter) Tj ET Q q 0 0 0 rg BT 495.74 441.05 Td ( ended) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 426.85 Td (In millions of dollars, except as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.25 427.05 Td (Dec. 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.45 427.06 Td (Sept. 30, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.25 427.06 Td (Dec. 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 413.06 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 122.49 417.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.75 413.05 Td (\(1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.00 413.05 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 413.06 Td (\(0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.50 413.06 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 413.06 Td (\(1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 413.06 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 399.06 Td (Change in ) Tj ET Q q 0 0 0 rg BT 77.83 399.06 Td (TCE due to FX translation, net of hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 399.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.50 399.05 Td (\(491) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.00 399.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 399.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 399.06 Td (\(354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.50 399.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 399.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 399.06 Td (\(498) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 399.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 385.06 Td (As a percentage of ) Tj ET Q q 0 0 0 rg BT 120.30 385.06 Td (TCE) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.75 385.05 Td (\(0.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.00 385.05 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 385.06 Td (\(0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.50 385.06 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 385.06 Td (\(0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 385.06 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 371.06 Td (Estimated impact to Common Equity ) Tj ET Q q 0 0 0 rg BT 175.07 371.06 Td (T) Tj ET Q q 0 0 0 rg BT 180.25 371.06 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 39.00 362.06 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 426.50 362.05 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.00 362.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.50 362.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 362.06 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 362.06 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 338.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 338.90 Td (FX spot rate change is a weighted average based upon Citi) Tj ET Q q 0 0 0 rg BT 243.72 338.90 Td (s quarterly average GAAP) Tj ET Q q 0 0 0 rg BT 328.06 338.90 Td ( capital exposure to foreign countries.) 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 (95) 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 0 237.10 36.00 499.16 cm /I41 Do Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 457.65 172.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 457.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 457.65 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 457.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 457.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 457.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 457.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 457.65 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 457.65 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 457.65 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 557.50 457.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 429.65 172.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 429.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 429.65 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 429.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 429.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 429.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 429.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 429.65 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 429.65 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 429.65 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 557.50 429.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 401.65 172.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 401.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 401.65 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 401.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 401.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 401.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 401.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 401.65 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 401.65 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 401.65 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 557.50 401.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 373.65 172.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 373.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 373.65 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 373.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 373.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 373.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 373.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 373.65 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 373.65 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 373.65 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 557.50 373.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 345.65 172.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 345.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 345.65 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 345.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 345.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 345.65 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 345.65 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 345.65 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 345.65 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 345.65 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 557.50 345.65 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 36.5 457.65 m 208.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 457.65 m 255.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 457.65 m 275.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 457.65 m 322.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 457.65 m 341.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 457.65 m 388.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 457.65 m 407.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 457.65 m 472.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 457.65 m 492.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 457.65 m 557.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 457.65 m 576.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 457.65 m 255.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 457.65 m 322.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 457.65 m 388.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 457.65 m 576.5 457.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 429.65 m 208.5 429.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 429.65 m 255.5 429.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 429.65 m 275.5 429.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 429.65 m 322.5 429.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 429.65 m 341.5 429.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 429.65 m 388.5 429.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 429.65 m 407.5 429.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 429.65 m 492.5 429.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 415.65 m 208.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 415.65 m 255.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 415.65 m 275.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 429.65 m 322.5 429.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 415.65 m 322.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 415.65 m 341.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 415.65 m 388.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 429.65 m 407.5 429.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 415.65 m 407.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 429.65 m 472.5 429.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 415.65 m 472.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 415.65 m 492.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 429.65 m 557.5 429.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 415.65 m 557.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 429.65 m 576.5 429.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 415.65 m 576.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 415.65 m 255.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 415.65 m 322.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 415.65 m 388.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 415.65 m 407.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 415.65 m 557.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 415.65 m 576.5 415.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 373.65 m 208.5 373.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 373.65 m 255.5 373.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 373.65 m 275.5 373.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 373.65 m 322.5 373.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 373.65 m 341.5 373.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 373.65 m 388.5 373.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 373.65 m 407.5 373.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 373.65 m 472.5 373.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 373.65 m 492.5 373.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 373.65 m 557.5 373.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 373.65 m 576.5 373.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 331.65 m 208.5 331.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 331.65 m 255.5 331.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 331.65 m 275.5 331.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 331.65 m 322.5 331.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 331.65 m 341.5 331.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 331.65 m 388.5 331.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 331.65 m 407.5 331.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 331.65 m 472.5 331.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 331.65 m 492.5 331.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 331.65 m 557.5 331.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 331.65 m 576.5 331.65 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 317.65 m 208.5 317.65 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 317.65 m 255.5 317.65 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 317.65 m 275.5 317.65 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 317.65 m 322.5 317.65 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 317.65 m 341.5 317.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 331.65 m 388.5 331.65 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 317.65 m 388.5 317.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 331.65 m 407.5 331.65 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 317.65 m 407.5 317.65 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 317.65 m 472.5 317.65 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 317.65 m 492.5 317.65 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 317.65 m 557.5 317.65 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 317.65 m 576.5 317.65 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 461.90 Td (In millions of dollars, except as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.50 462.10 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.00 462.10 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.50 462.11 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 462.10 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 462.11 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.70 471.10 Td (Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.95 462.10 Td (2018 vs. 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 471.11 Td (Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 462.11 Td (2017 vs. 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 448.11 Td (Interest revenue) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 96.72 452.19 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.00 448.10 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.25 448.10 Td (71,082) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 448.10 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 448.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 448.11 Td (62,075) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 448.10 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 448.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 448.11 Td (58,450) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 448.10 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.00 448.10 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 448.11 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 448.11 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 434.11 Td (Interest expense) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 97.22 438.19 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.25 434.10 Td (24,266) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 434.10 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 434.11 Td (16,518) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 434.10 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 434.11 Td (12,512) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 434.10 Td (47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 434.11 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 420.11 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.00 420.10 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.25 420.10 Td (46,816) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 420.10 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 420.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 420.11 Td (45,557) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 420.10 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 420.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 420.11 Td (45,938) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 420.10 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.00 420.10 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 420.11 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 420.11 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 406.11 Td (Interest revenueaverage rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.25 406.10 Td (4.08) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.00 406.10 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.75 406.11 Td (3.71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.50 406.11 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.75 406.11 Td (3.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.50 406.11 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 406.10 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.20 406.10 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 406.11 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.20 406.11 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 392.11 Td (Interest expenseaverage rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.25 392.10 Td (1.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.75 392.11 Td (1.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.75 392.11 Td (1.03) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 392.10 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.45 392.10 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 392.11 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.45 392.11 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 378.11 Td (Net interest mar) Tj ET Q q 0 0 0 rg BT 96.81 378.11 Td (gin) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 108.31 382.19 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.25 378.10 Td (2.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.75 378.11 Td (2.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.75 378.11 Td (2.88) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.50 378.10 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.00 378.10 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.45 378.10 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.50 378.11 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 378.11 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.45 378.11 Td (bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 364.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 58.33 364.10 Td (est rate benchmarks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 364.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 364.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 364.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 364.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 350.11 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 350.11 Td (wo-yearU.S.) Tj ET Q q 0 0 0 rg BT 93.78 350.11 Td (T) Tj ET Q q 0 0 0 rg BT 99.03 350.11 Td (reasurynoteaveragerate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.25 350.10 Td (2.53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.00 350.10 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.75 350.11 Td (1.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.50 350.11 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.75 350.11 Td (0.83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.50 350.11 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.50 350.10 Td (1) Tj ET Q q 0 0 0 rg BT 454.00 350.10 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.45 350.10 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 350.11 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.45 350.11 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 336.11 Td (10-year U.S. ) Tj ET Q q 0 0 0 rg BT 86.91 336.11 Td (T) Tj ET Q q 0 0 0 rg BT 92.17 336.11 Td (reasury noteaverage rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.25 336.10 Td (2.91) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 336.10 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.75 336.11 Td (2.33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 336.10 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.75 336.11 Td (1.83) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 336.10 Td (58) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.45 336.10 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 336.11 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.45 336.11 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 322.11 Td (10-year vs. two-year spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.00 322.10 Td (38) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.45 322.10 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.50 322.11 Td (93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.45 322.11 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 322.11 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.45 322.11 Td (bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.00 322.10 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 322.10 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 298.95 Td (Note: ) Tj ET Q q 0 0 0 rg BT 55.33 298.95 Td (All interest expense amounts include FDIC insurance assessments, as well as similar deposit insurance assessments outside of the U.S. ) Tj ET Q q 0 0 0 rg BT 488.14 298.95 Td (As of the fourth quarter of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 289.35 Td (2018, Citi) Tj ET Q q 0 0 0 rg BT 70.23 289.35 Td (s FDIC surchar) Tj ET Q q 0 0 0 rg BT 118.96 289.35 Td (ge was eliminated \(approximately $130 million per quarter\). ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 279.75 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 279.75 Td (Net inter) Tj ET Q q 0 0 0 rg BT 81.92 279.75 Td (est r) Tj ET Q q 0 0 0 rg BT 95.63 279.75 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.83 279.75 Td ( includes the taxable equivalent adjustments related to the tax-exempt bond portfolio \(based on the U.S. federal statutory tax rates of 21% in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 270.15 Td (2018 and 35% in 2017 and 2016\) of $254 million, $496 million and $462 million for 2018, 2017 and 2016, respectively) Tj ET Q q 0 0 0 rg BT 437.21 270.15 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 260.55 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 260.55 Td (Interest expense 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 351.01 260.55 Td (Long-term debt ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.56 260.55 Td (and accounted for at fair value, is reported together) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 250.95 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 250.95 Td (with any changes in fair value as part of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 183.95 250.95 Td (Principal transactions ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.73 250.95 Td (in the Consolidated Statements of Income and is therefore not reflected in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 495.88 250.95 Td (Inter) Tj ET Q q 0 0 0 rg BT 511.13 250.95 Td (est expense ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.34 250.95 Td (in the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 241.35 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 241.35 Td (table above.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 231.75 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 231.75 Td (Citi) Tj ET Q q 0 0 0 rg BT 68.23 231.75 Td (s net interest mar) Tj ET Q q 0 0 0 rg BT 122.95 231.75 Td (gin \(NIM\) is calculated by dividing net interest revenue by average interest-earning assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 210.15 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 210.15 Td (s net interest revenue in the fourth quarter of 2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 198.15 Td (increased 5% to $1) Tj ET Q q 0 0 0 rg BT 111.99 198.15 Td (1.9 billion \($12.0 billion on a taxable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 186.15 Td (equivalent basis\) versus the prior) Tj ET Q q 0 0 0 rg BT 167.99 186.15 Td (-year period. Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 174.15 Td (impact of FX translation, net interest revenue increased 8%, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 162.15 Td (approximately $0.9 billion. ) Tj ET Q q 0 0 0 rg BT 147.19 162.15 Td (This increase was primarily due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 150.15 Td (higher net interest revenue \($1) Tj ET Q q 0 0 0 rg BT 157.80 150.15 Td (1.7 billion, up approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 138.15 Td (14% or $1.4 billion\) from Citi) Tj ET Q q 0 0 0 rg BT 159.33 138.15 Td (s core accrual activities, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 126.15 Td (is mainly generated by its deposit and lending businesses. ) Tj ET Q q 0 0 0 rg BT 269.12 126.15 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 114.15 Td (increase in core accrual net interest revenue was partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 102.15 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 102.15 Td (fset by lower trading-related net interest revenue \($0.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 90.15 Td (billion, down approximately 83% or $0.4 billion\), lar) Tj ET Q q 0 0 0 rg BT 248.56 90.15 Td (gely due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 78.15 Td (to higher wholesale funding costs, and lower net interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 66.15 Td (revenue associated with the wind-down of legacy assets in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 54.15 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.78 54.15 Td ( \($0.1 billion, down approximately 45% or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 210.15 Td ($0.1 billion\). ) Tj ET Q q 0 0 0 rg BT 378.26 210.15 Td (The increase in core accrual net interest revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 198.15 Td (was mainly driven by the deployment of cash into better ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 186.15 Td (yielding assets, including loans, an improved loan mix and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 174.15 Td (higher interest rates, as well as the impact of elimination of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 162.15 Td (FDIC surchar) Tj ET Q q 0 0 0 rg BT 378.53 162.15 Td (ge. ) Tj ET Q q 0 0 0 rg BT 392.42 162.15 Td (As previously disclosed, in 2016, the FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 150.15 Td (commenced imposing a surchar) Tj ET Q q 0 0 0 rg BT 450.72 150.15 Td (ge on depository institutions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 138.15 Td (including Citibank, to increase the deposit insurance fund ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 126.15 Td (reserve ratio until it reached 1.35%, which occurred as of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 114.15 Td (end of the third quarter of 2018. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 102.15 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 102.15 Td (s net interest revenue for the full year increased 3% to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 90.15 Td ($46.6 billion \($46.8 billion on a taxable equivalent basis\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 78.15 Td (versus the prior year) Tj ET Q q 0 0 0 rg BT 405.36 78.15 Td (. Excluding the impact of FX translation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 66.15 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 66.15 Td (s net interest revenue increased by approximately $2.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 54.15 Td (billion, as higher core accrual net interest revenue ) 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 (96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (\(approximately $44.1 billion, up 10% or $4.1 billion\) was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 737.10 Td (fset by lower trading-related net interest revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (\(approximately $1.0 billion, down 62% or $1.7 billion\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (lar) Tj ET Q q 0 0 0 rg BT 46.37 713.10 Td (gely driven by higher wholesale funding costs, and lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (net interest revenue associated with legacy assets in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (Corporate/Other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.28 689.10 Td (\(approximately $0.8 billion, down 38% or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td ($0.5 billion\). ) Tj ET Q q 0 0 0 rg BT 90.26 677.10 Td (The increase in core accrual net interest revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (was primarily due to loan growth, an improved loan mix, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (higher interest rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 641.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 641.10 Td (s NIM was 2.71% on a taxable equivalent basis in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (fourth quarter of 2018, an increase of 1 basis point \(bp\) from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (the third quarter of 2018, driven primarily by the increase in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (core accrual net interest revenue, and the impact of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (elimination of the FDIC surchar) Tj ET Q q 0 0 0 rg BT 164.13 593.10 Td (ge, partially of) Tj ET Q q 0 0 0 rg BT 222.53 593.10 Td (fset by lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (trading-related NIM. Citi) Tj ET Q q 0 0 0 rg BT 139.58 581.10 Td (s core accrual NIM was 3.72%, an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (increase of 12 bps from the third quarter of 2018, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (driven by the deployment of cash into better yielding assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (including loans, an improved loan mix and higher interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (rates, as well as the impact of elimination of the FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (surchar) Tj ET Q q 0 0 0 rg BT 65.25 521.10 Td (ge. On a full-year basis, Citi) Tj ET Q q 0 0 0 rg BT 181.05 521.10 Td (s NIM was 2.69% on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (taxable equivalent basis, compared to 2.73% in 2017, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (decrease of 4 bps. Citi) Tj ET Q q 0 0 0 rg BT 127.92 497.10 Td (s full-year core accrual NIM was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (3.61%, an increase of 13 bps from the prior year) Tj ET Q q 0 0 0 rg BT 229.14 485.10 Td (, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (driven by loan growth, an improved loan mix and higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (interest rates. \(Citi) Tj ET Q q 0 0 0 rg BT 112.92 461.10 Td (s core accrual net interest revenue and core ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (accrual NIM are non-GAAP) Tj ET Q q 0 0 0 rg BT 149.20 449.10 Td ( financial measures. Citi believes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (the presentation of its net interest revenue and NIM on a core ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (accrual basis provides a meaningful depiction for investors of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (the underlying fundamentals of its businesses\).) 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 (97) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Additional Inter) Tj ET Q q 0 0 0 rg BT 105.55 749.25 Td (est Rate Details) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (A) Tj ET Q q 0 0 0 rg BT 41.93 725.25 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 222.48 729.78 Td (\(1\)\(2\)\(3\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.75 701.25 Td (axable Equivalent Basis) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 648.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 648.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 648.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 648.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 648.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 648.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 648.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 648.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 648.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 648.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 602.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 602.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 602.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 602.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 602.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 602.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 602.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 602.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 602.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 602.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 574.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 574.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 574.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 574.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 574.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 574.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 574.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 574.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 574.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 574.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 546.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 546.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 546.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 546.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 546.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 546.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 546.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 546.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 546.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 546.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 518.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 518.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 518.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 518.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 518.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 518.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 518.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 518.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 518.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 518.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 490.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 490.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 490.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 490.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 490.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 490.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 490.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 490.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 490.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 490.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 462.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 462.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 462.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 462.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 462.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 462.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 462.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 462.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 462.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 462.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 434.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 434.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 434.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 434.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 434.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 434.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 434.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 434.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 434.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 434.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 406.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 406.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 406.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 406.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 406.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 406.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 406.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 406.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 406.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 406.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 378.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 378.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 378.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 378.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 378.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 378.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 378.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 378.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 378.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 378.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 350.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 350.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 350.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 350.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 350.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 350.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 350.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 350.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 350.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 350.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 322.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 322.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 322.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 322.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 322.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 322.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 322.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 322.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 322.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 322.75 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 173.5 676.75 m 225.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 676.75 m 277.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 676.75 m 329.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 676.75 m 370.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 676.75 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 452.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 676.75 m 493.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 676.75 m 534.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 676.75 m 575.5 676.75 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 173.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 676.75 m 225.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 662.75 m 225.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 662.75 m 277.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 662.75 m 329.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 676.75 m 370.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 662.75 m 370.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 676.75 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 370.5 662.75 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 452.5 676.75 m 452.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 676.75 m 452.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 662.75 m 452.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 676.75 m 493.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 662.75 m 493.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 676.75 m 534.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 662.75 m 534.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 676.75 m 575.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 662.75 m 575.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 662.75 m 329.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 662.75 m 452.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 634.75 m 173.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 634.75 m 225.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 634.75 m 277.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 634.75 m 329.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 648.75 m 329.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 634.75 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 452.5 648.75 m 452.5 634.75 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 452.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 648.75 m 452.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 634.75 m 493.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 634.75 m 534.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 634.75 m 575.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 634.75 m 225.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 634.75 m 277.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 634.75 m 329.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 634.75 m 329.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 634.75 m 370.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 634.75 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 452.5 634.75 m 452.5 602.75 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 452.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 634.75 m 452.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 634.75 m 575.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 602.75 m 329.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 602.75 m 452.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 602.75 m 452.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 574.75 m 173.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 574.75 m 277.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 574.75 m 329.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 588.75 m 329.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 574.75 m 411.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 588.75 m 452.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 574.75 m 452.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 588.75 m 452.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 574.75 m 493.5 574.75 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 173.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 574.75 m 225.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 560.75 m 225.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 574.75 m 277.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 560.75 m 277.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 574.75 m 329.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 560.75 m 329.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 574.75 m 329.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 574.75 m 370.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 560.75 m 370.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 574.75 m 411.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 560.75 m 411.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 574.75 m 452.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 574.75 m 452.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 560.75 m 452.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 574.75 m 452.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 574.75 m 493.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 560.75 m 493.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 574.75 m 534.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 560.75 m 534.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 574.75 m 575.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 560.75 m 575.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 560.75 m 225.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 560.75 m 277.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 560.75 m 329.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 560.75 m 329.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 560.75 m 370.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 560.75 m 411.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 560.75 m 452.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 560.75 m 452.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 560.75 m 452.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 546.75 m 329.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 546.75 m 452.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 546.75 m 452.5 532.75 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 173.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 518.75 m 277.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 518.75 m 329.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 532.75 m 329.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 518.75 m 411.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 532.75 m 452.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 518.75 m 452.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 532.75 m 452.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 518.75 m 493.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 518.75 m 575.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 504.75 m 173.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 518.75 m 225.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 504.75 m 225.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 518.75 m 277.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 504.75 m 277.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 518.75 m 329.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 504.75 m 329.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 518.75 m 329.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 518.75 m 370.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 504.75 m 370.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 518.75 m 411.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 504.75 m 411.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 518.75 m 452.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 518.75 m 452.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 504.75 m 452.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 518.75 m 452.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 518.75 m 493.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 504.75 m 493.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 518.75 m 534.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 504.75 m 534.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 504.75 m 575.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 504.75 m 225.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 504.75 m 277.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 504.75 m 329.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 504.75 m 329.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 504.75 m 370.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 504.75 m 411.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 504.75 m 452.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 504.75 m 452.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 504.75 m 452.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 504.75 m 493.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 504.75 m 575.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 490.75 m 329.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 490.75 m 452.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 490.75 m 452.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 476.75 m 329.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 476.75 m 452.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 476.75 m 452.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 462.75 m 329.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 462.75 m 452.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 462.75 m 452.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 434.75 m 173.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 434.75 m 277.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 434.75 m 329.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 448.75 m 329.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 434.75 m 411.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 448.75 m 452.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 434.75 m 452.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 448.75 m 452.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 434.75 m 493.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 434.75 m 575.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 420.75 m 173.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 434.75 m 225.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 420.75 m 225.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 434.75 m 277.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 420.75 m 277.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 434.75 m 329.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 420.75 m 329.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 434.75 m 329.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 434.75 m 370.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 420.75 m 370.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 434.75 m 411.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 420.75 m 411.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 434.75 m 452.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 434.75 m 452.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 420.75 m 452.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 434.75 m 452.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 434.75 m 493.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 420.75 m 493.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 434.75 m 534.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 420.75 m 534.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 420.75 m 575.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 420.75 m 225.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 420.75 m 277.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 420.75 m 329.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 420.75 m 329.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 420.75 m 370.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 420.75 m 411.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 420.75 m 452.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 420.75 m 452.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 420.75 m 452.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 420.75 m 493.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 420.75 m 575.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 406.75 m 329.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 406.75 m 452.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 406.75 m 452.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 378.75 m 173.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 378.75 m 277.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 378.75 m 329.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 392.75 m 329.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 378.75 m 411.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 392.75 m 452.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 378.75 m 452.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 392.75 m 452.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 378.75 m 493.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 364.75 m 173.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 378.75 m 225.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 364.75 m 225.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 378.75 m 277.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 364.75 m 277.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 378.75 m 329.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 364.75 m 329.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 378.75 m 329.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 378.75 m 370.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 364.75 m 370.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 378.75 m 411.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 364.75 m 411.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 378.75 m 452.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 378.75 m 452.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 364.75 m 452.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 378.75 m 452.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 378.75 m 493.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 364.75 m 493.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 378.75 m 534.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 378.75 m 575.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 364.75 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 36.5 350.75 m 173.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 364.75 m 225.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 364.75 m 277.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 350.75 m 277.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 364.75 m 329.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 350.75 m 329.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 364.75 m 329.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 364.75 m 370.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 364.75 m 411.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 350.75 m 411.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 364.75 m 452.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 364.75 m 452.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 350.75 m 452.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 364.75 m 452.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 364.75 m 493.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 350.75 m 493.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 364.75 m 534.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 364.75 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 534.5 350.75 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 36.5 336.75 m 173.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 350.75 m 225.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 336.75 m 225.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 350.75 m 277.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 336.75 m 277.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 350.75 m 329.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 336.75 m 329.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 350.75 m 329.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 350.75 m 370.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 336.75 m 370.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 350.75 m 411.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 336.75 m 411.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 350.75 m 452.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 350.75 m 452.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 336.75 m 452.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 350.75 m 452.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 350.75 m 493.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 336.75 m 493.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 350.75 m 534.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 336.75 m 534.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 350.75 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 534.5 336.75 m 575.5 336.75 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 173.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 336.75 m 225.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 336.75 m 277.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 336.75 m 329.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 336.75 m 329.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 336.75 m 370.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 336.75 m 411.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 336.75 m 452.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 336.75 m 452.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 336.75 m 493.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 336.75 m 575.5 336.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 308.75 m 173.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 322.75 m 225.5 322.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 308.75 m 225.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 322.75 m 277.5 322.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 308.75 m 277.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 322.75 m 329.5 322.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 308.75 m 329.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 322.75 m 329.5 308.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 308.75 m 370.5 308.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 308.75 m 411.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 322.75 m 452.5 308.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 308.75 m 452.5 308.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 308.75 m 493.5 308.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 308.75 m 534.5 308.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 308.75 m 575.5 308.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 681.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.20 681.20 Td (A) Tj ET Q q 0 0 0 rg BT 226.37 681.20 Td (verage volume) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.25 681.20 Td (Inter) Tj ET Q q 0 0 0 rg BT 378.66 681.20 Td (est r) Tj ET Q q 0 0 0 rg BT 395.24 681.20 Td (evenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.55 681.20 Td (% ) Tj ET Q q 0 0 0 rg BT 494.55 681.20 Td (A) Tj ET Q q 0 0 0 rg BT 500.47 681.20 Td (verage rate) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 667.00 Td (In millions of dollars, except rates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.00 667.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 667.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 667.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.50 667.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 667.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.50 667.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.50 667.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 667.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 667.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 653.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 653.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 653.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 653.21 Td () 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 496.00 653.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 653.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 639.20 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 116.02 643.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 639.20 Td (177,294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 639.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 639.21 Td (169,385) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 639.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 639.21 Td (131,925) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 639.20 Td (2,203) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 639.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 639.21 Td (1,635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 639.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 639.21 Td (971) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 639.20 Td (1.24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 639.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 639.21 Td (0.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 639.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 639.21 Td (0.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 639.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 625.20 Td (Federal funds sold and securities ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 616.20 Td (borr) Tj ET Q q 0 0 0 rg BT 56.33 616.20 Td (owed or) Tj ET Q q 0 0 0 rg BT 86.91 616.20 Td ( pur) Tj ET Q q 0 0 0 rg BT 103.01 616.20 Td (chased under) Tj ET Q q 0 0 0 rg BT 154.10 616.20 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 607.20 Td (agr) Tj ET Q q 0 0 0 rg BT 51.83 607.20 Td (eements to r) Tj ET Q q 0 0 0 rg BT 98.65 607.20 Td (esell) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 115.14 611.28 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 593.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 593.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 593.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 593.20 Td (149,879) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 593.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 593.21 Td (141,308) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 593.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 593.21 Td (147,940) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 593.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 593.20 Td (3,818) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 593.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 593.21 Td (1,922) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 593.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 593.21 Td (1,483) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 593.20 Td (2.55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 593.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 593.21 Td (1.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 593.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 593.21 Td (1.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 593.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 579.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 579.21 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 132.82 583.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 579.20 Td (1) Tj ET Q q 0 0 0 rg BT 197.25 579.20 Td (17,695) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 579.21 Td (106,606) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 579.21 Td (85,142) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 579.20 Td (1,674) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 579.21 Td (1,327) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 579.21 Td (1,060) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 579.20 Td (1.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 579.21 Td (1.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 579.21 Td (1.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 565.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 565.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 565.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 565.20 Td (267,574) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 565.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 565.21 Td (247,914) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 565.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 565.21 Td (233,082) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 565.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 565.20 Td (5,492) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 565.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 565.21 Td (3,249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 565.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 565.21 Td (2,543) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 565.20 Td (2.05) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 565.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 565.21 Td (1.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 565.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 565.21 Td (1.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 565.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 551.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.33 551.20 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 126.34 555.28 Td (\(6\)\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 537.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 537.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 537.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.25 537.20 Td (94,065) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 537.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 537.21 Td (99,755) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 537.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 537.21 Td (105,774) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 537.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 537.20 Td (3,706) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 537.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 537.21 Td (3,531) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 537.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 537.21 Td (3,791) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 537.20 Td (3.94) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 537.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 537.21 Td (3.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 537.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 537.21 Td (3.58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 537.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 523.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 523.21 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 132.82 527.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 523.20 Td (1) Tj ET Q q 0 0 0 rg BT 197.25 523.20 Td (15,601) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 523.21 Td (104,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 523.21 Td (98,832) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 523.20 Td (2,615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 523.21 Td (2,1) Tj ET Q q 0 0 0 rg BT 399.00 523.21 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 523.21 Td (2,095) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 523.20 Td (2.26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 523.21 Td (2.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 523.21 Td (2.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 509.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 509.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 509.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 509.20 Td (209,666) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 509.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 509.21 Td (203,952) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 509.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 509.21 Td (204,606) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 509.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 509.20 Td (6,321) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 509.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 509.21 Td (5,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 509.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 509.21 Td (5,886) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 509.20 Td (3.01) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 509.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 509.21 Td (2.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 509.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 509.21 Td (2.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 509.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 495.20 Td (Investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 481.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 481.21 Td (fices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 467.21 Td (T) Tj ET Q q 0 0 0 rg BT 50.18 467.21 Td (axable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 467.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 467.20 Td (228,686) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 467.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 467.21 Td (226,227) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 467.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 467.21 Td (225,764) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 467.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 467.20 Td (5,331) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 467.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 467.21 Td (4,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 467.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 467.21 Td (3,980) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 467.20 Td (2.33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 467.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 467.21 Td (1.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 467.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 467.21 Td (1.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 467.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 453.21 Td (Exempt from U.S. income tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.25 453.20 Td (17,199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 453.21 Td (18,152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 453.21 Td (19,079) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.50 453.20 Td (706) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 453.21 Td (775) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 453.21 Td (693) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 453.20 Td (4.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 453.21 Td (4.27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 453.21 Td (3.63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 439.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 439.21 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 132.82 443.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 439.20 Td (104,033) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 439.21 Td (106,040) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 439.21 Td (106,159) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 439.20 Td (3,600) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 439.21 Td (3,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 439.21 Td (3,157) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 439.20 Td (3.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 439.21 Td (3.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 439.21 Td (2.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 425.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 425.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 425.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 425.20 Td (349,918) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 425.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 425.21 Td (350,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 425.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 425.21 Td (351,002) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 425.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 425.20 Td (9,637) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 425.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 425.21 Td (8,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 425.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 425.21 Td (7,830) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 425.20 Td (2.75) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 425.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 425.21 Td (2.44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 425.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 425.21 Td (2.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 425.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 411.20 Td (Loans\(netofunearnedincome\)) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 161.00 415.28 Td (\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 397.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 397.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 397.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 397.20 Td (385,350) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 397.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 397.21 Td (371,71) Tj ET Q q 0 0 0 rg BT 269.50 397.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 397.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 397.21 Td (360,751) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 397.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 397.20 Td (28,627) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 397.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 397.21 Td (25,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 397.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.25 397.21 Td (24,240) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 397.20 Td (7.43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 397.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 397.21 Td (6.98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 397.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 397.21 Td (6.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 397.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 383.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 383.21 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 132.82 387.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 383.20 Td (285,505) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 383.21 Td (267,774) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 383.21 Td (262,715) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 383.20 Td (17,129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 383.21 Td (15,904) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.25 383.21 Td (15,951) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 383.20 Td (6.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 383.21 Td (5.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 383.21 Td (6.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 369.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 369.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 369.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 369.20 Td (670,855) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 369.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 369.21 Td (639,485) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 369.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 369.21 Td (623,466) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 369.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 369.20 Td (45,756) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 369.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 369.21 Td (41,848) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 369.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.25 369.21 Td (40,191) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 369.20 Td (6.82) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 369.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 369.21 Td (6.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 369.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 369.21 Td (6.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 369.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 355.20 Td (Other) Tj ET Q q 0 0 0 rg BT 61.83 355.20 Td ( inter) Tj ET Q q 0 0 0 rg BT 82.41 355.20 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 149.65 359.28 Td (\(9\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 355.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.25 355.20 Td (67,269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 355.21 Td (60,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 355.21 Td (50,003) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 355.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 355.20 Td (1,673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 355.21 Td (1,161) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 355.21 Td (1,029) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 355.20 Td (2.49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 355.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 355.21 Td (1.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 355.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 355.21 Td (2.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 355.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 341.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 341.21 Td (otal interest-earning assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 341.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 341.20 Td (1,742,576) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 341.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 341.21 Td (1,671,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 341.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 341.21 Td (1,594,084) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 341.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 341.20 Td (71,082) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 341.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 341.21 Td (62,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 341.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.25 341.21 Td (58,450) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 341.20 Td (4.08) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 341.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 341.21 Td (3.71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 341.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 341.21 Td (3.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 341.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 327.21 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 137.22 331.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 327.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 327.20 Td (177,654) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 327.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 327.21 Td (203,657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 327.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 327.21 Td (214,641) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 313.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 313.20 Td (otal assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 313.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 313.20 Td (1,920,230) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 313.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 313.21 Td (1,875,438) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 313.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 313.21 Td (1,808,725) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 291.65 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 291.65 Td (Net inter) Tj ET Q q 0 0 0 rg BT 81.92 291.65 Td (est r) Tj ET Q q 0 0 0 rg BT 95.63 291.65 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.83 291.65 Td ( includes the taxable equivalent adjustments related to the tax-exempt bond portfolio \(based on the U.S. federal statutory tax rates of 21% in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 282.05 Td (2018 and 35% in 2017 and 2016\) of $254 million, $496 million and $462 million for 2018, 2017 and 2016, respectively) Tj ET Q q 0 0 0 rg BT 437.21 282.05 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 272.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 272.45 Td (Interest rates and amounts include the ef) Tj ET Q q 0 0 0 rg BT 183.14 272.45 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 36.00 262.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 262.85 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 36.00 253.25 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 253.25 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 253.25 Td (verage rates reflect prevailing local interest rates, including inflationary ef) Tj ET Q q 0 0 0 rg BT 296.27 253.25 Td (fects and monetary corrections in certain countries.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 243.65 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 243.65 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 243.65 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 403.95 243.65 Td (ASC210-20-45. However) Tj ET Q q 0 0 0 rg BT 487.84 243.65 Td (, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 491.84 243.65 Td (Inter) Tj ET Q q 0 0 0 rg BT 507.09 243.65 Td (est r) Tj ET Q q 0 0 0 rg BT 520.79 243.65 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 543.00 243.65 Td ( excludes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 234.05 Td (the impact of ) Tj ET Q q 0 0 0 rg BT 97.77 234.05 Td (ASC 210-20-45.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 224.45 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 224.45 Td (The fair value carrying amounts of derivative contracts are reported net, pursuant to ) Tj ET Q q 0 0 0 rg BT 323.67 224.45 Td (ASC 815-10-45, in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 386.79 224.45 Td (Non-inter) Tj ET Q q 0 0 0 rg BT 417.60 224.45 Td (est-earning assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.15 224.45 Td ( and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 490.70 224.45 Td (Other non-inter) Tj ET Q q 0 0 0 rg BT 540.84 224.45 Td (est-) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 214.85 Td (bearing liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 111.11 214.85 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 205.25 Td (\(7\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 205.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 69.25 205.25 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.46 205.25 Td ( on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 117.46 205.25 Td (T) Tj ET Q q 0 0 0 rg BT 121.46 205.25 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.35 205.25 Td ( of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 213.01 205.25 Td (ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.79 205.25 Td ( is reported as a reduction of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 319.87 205.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 335.12 205.25 Td (est r) Tj ET Q q 0 0 0 rg BT 348.82 205.25 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.03 205.25 Td (. ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 375.03 205.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 390.28 205.25 Td (est r) Tj ET Q q 0 0 0 rg BT 403.98 205.25 Td (evenue ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.19 205.25 Td (and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 441.74 205.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 456.99 205.25 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.20 205.25 Td ( on cash collateral ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 195.65 Td (positions are reported in interest on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 169.08 195.65 Td (T) Tj ET Q q 0 0 0 rg BT 173.09 195.65 Td (rading account assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.86 195.65 Td ( and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 258.41 195.65 Td (T) Tj ET Q q 0 0 0 rg BT 262.42 195.65 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.30 195.65 Td (, respectively) Tj ET Q q 0 0 0 rg BT 385.43 195.65 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 186.05 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 186.05 Td (Includes cash-basis loans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 176.45 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 176.45 Td (Includes brokerage receivables.) 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 (98) 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 (\(1\)\(2\)\(3\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 729.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.75 729.25 Td (axable Equivalent Basis) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 676.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 676.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 676.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 676.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 676.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 676.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 676.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 676.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 676.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 676.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 648.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 648.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 648.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 648.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 648.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 648.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 648.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 648.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 648.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 648.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 620.75 137.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 620.75 52.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 620.75 52.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 620.75 52.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 620.75 41.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 620.75 41.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 620.75 41.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 620.75 41.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 620.75 41.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 620.75 41.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 574.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 574.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 574.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 574.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 574.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 574.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 574.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 574.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 574.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 574.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 546.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 546.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 546.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 546.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 546.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 546.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 546.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 546.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 546.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 546.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 518.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 518.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 518.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 518.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 518.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 518.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 518.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 518.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 518.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 518.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 490.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 490.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 490.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 490.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 490.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 490.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 490.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 490.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 490.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 490.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 462.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 462.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 462.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 462.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 462.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 462.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 462.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 462.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 462.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 462.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 434.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 434.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 434.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 434.75 52.00 -14.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 277.50 313.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 313.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 313.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 313.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 313.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 313.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 313.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 285.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 285.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 285.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 285.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 285.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 285.75 41.00 -14.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 534.50 248.75 41.00 -33.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 201.75 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 201.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 201.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 201.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 201.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 201.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 201.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 201.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 201.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 201.75 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 173.5 704.75 m 225.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 704.75 m 277.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 704.75 m 329.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 704.75 m 370.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 704.75 m 411.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 704.75 m 452.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 704.75 m 493.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 704.75 m 534.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 704.75 m 575.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 690.75 m 173.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 704.75 m 225.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 690.75 m 225.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 704.75 m 277.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 690.75 m 277.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 704.75 m 329.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 704.75 m 329.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 690.75 m 329.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 704.75 m 370.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 690.75 m 370.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 704.75 m 411.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 690.75 m 411.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 704.75 m 452.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 704.75 m 452.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 690.75 m 452.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 704.75 m 493.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 690.75 m 493.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 704.75 m 534.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 690.75 m 534.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 704.75 m 575.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 690.75 m 575.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 690.75 m 329.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 690.75 m 452.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 676.75 m 329.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 676.75 m 452.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 662.75 m 329.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 662.75 m 452.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 662.75 m 452.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 634.75 m 173.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 634.75 m 277.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 648.75 m 329.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 634.75 m 329.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 634.75 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 452.5 648.75 m 452.5 634.75 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 452.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 648.75 m 452.5 634.75 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 173.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 634.75 m 225.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 634.75 m 277.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 620.75 m 277.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 634.75 m 329.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 634.75 m 329.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 620.75 m 329.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 634.75 m 370.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 620.75 m 370.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 634.75 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 370.5 620.75 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 452.5 634.75 m 452.5 620.75 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 452.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 620.75 m 452.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 634.75 m 452.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 634.75 m 493.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 620.75 m 493.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 634.75 m 534.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 620.75 m 534.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 634.75 m 575.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 620.75 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 173.5 620.75 m 225.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 620.75 m 277.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 620.75 m 329.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 620.75 m 329.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 620.75 m 370.5 620.75 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 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 452.5 620.75 m 452.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 620.75 m 452.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 620.75 m 452.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 588.75 m 329.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 588.75 m 452.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 588.75 m 452.5 574.75 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 173.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 560.75 m 277.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 574.75 m 329.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 560.75 m 329.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 560.75 m 370.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 560.75 m 411.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 574.75 m 452.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 560.75 m 452.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 574.75 m 452.5 560.75 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 173.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 560.75 m 225.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 546.75 m 225.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 560.75 m 277.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 546.75 m 277.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 560.75 m 329.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 560.75 m 329.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 546.75 m 329.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 560.75 m 370.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 546.75 m 370.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 560.75 m 411.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 546.75 m 411.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 560.75 m 452.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 560.75 m 452.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 546.75 m 452.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 560.75 m 452.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 560.75 m 493.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 546.75 m 493.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 560.75 m 534.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 546.75 m 534.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 560.75 m 575.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 546.75 m 575.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 546.75 m 225.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 546.75 m 277.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 546.75 m 329.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 546.75 m 329.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 546.75 m 370.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 546.75 m 411.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 546.75 m 452.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 546.75 m 452.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 546.75 m 452.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 532.75 m 329.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 532.75 m 452.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 532.75 m 452.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 504.75 m 173.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 504.75 m 277.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 518.75 m 329.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 504.75 m 329.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 504.75 m 411.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 518.75 m 452.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 504.75 m 452.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 518.75 m 452.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 490.75 m 173.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 504.75 m 225.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 490.75 m 225.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 504.75 m 277.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 490.75 m 277.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 504.75 m 329.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 504.75 m 329.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 490.75 m 329.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 504.75 m 370.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 490.75 m 370.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 504.75 m 411.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 490.75 m 411.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 504.75 m 452.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 504.75 m 452.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 490.75 m 452.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 504.75 m 452.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 504.75 m 493.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 490.75 m 493.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 504.75 m 534.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 490.75 m 534.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 504.75 m 575.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 490.75 m 575.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 490.75 m 225.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 490.75 m 277.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 490.75 m 329.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 490.75 m 329.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 490.75 m 370.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 490.75 m 411.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 490.75 m 452.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 490.75 m 452.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 490.75 m 452.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 476.75 m 329.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 476.75 m 452.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 476.75 m 452.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 448.75 m 173.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 448.75 m 277.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 462.75 m 329.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 448.75 m 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/GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 434.75 m 225.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 434.75 m 277.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 434.75 m 329.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 434.75 m 329.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 434.75 m 370.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 434.75 m 452.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 434.75 m 452.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 434.75 m 452.5 420.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 420.75 m 329.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 420.75 m 452.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 420.75 m 452.5 406.75 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 173.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 392.75 m 277.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 406.75 m 329.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 392.75 m 329.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 392.75 m 411.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 406.75 m 452.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 392.75 m 452.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 406.75 m 452.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 378.75 m 173.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 392.75 m 225.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 378.75 m 225.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 392.75 m 277.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 378.75 m 277.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 392.75 m 329.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 392.75 m 329.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 378.75 m 329.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 392.75 m 370.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 378.75 m 370.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 378.75 m 411.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 392.75 m 452.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 392.75 m 452.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 378.75 m 452.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 392.75 m 452.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 392.75 m 493.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 378.75 m 493.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 392.75 m 534.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 378.75 m 534.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 392.75 m 575.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 378.75 m 575.5 378.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 364.75 m 173.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 378.75 m 225.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 378.75 m 277.5 378.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 364.75 m 277.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 378.75 m 329.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 378.75 m 329.5 378.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 364.75 m 329.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 378.75 m 329.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 378.75 m 370.5 378.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 364.75 m 370.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 378.75 m 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0 J 0 j 3 M 225.5 364.75 m 277.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 364.75 m 329.5 350.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 364.75 m 329.5 364.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 364.75 m 370.5 364.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 364.75 m 411.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 364.75 m 452.5 350.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 364.75 m 452.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 364.75 m 452.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 350.75 m 329.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 350.75 m 452.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 350.75 m 452.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 327.75 m 173.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 313.75 m 173.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 327.75 m 225.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 327.75 m 277.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 313.75 m 277.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 327.75 m 329.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 327.75 m 329.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 313.75 m 329.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 327.75 m 452.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 327.75 m 452.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 313.75 m 225.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 313.75 m 277.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 313.75 m 329.5 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 313.75 m 329.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 313.75 m 452.5 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 313.75 m 452.5 299.75 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 173.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 285.75 m 277.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 299.75 m 329.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 285.75 m 329.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 299.75 m 452.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 299.75 m 452.5 285.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 271.75 m 173.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 285.75 m 225.5 285.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 271.75 m 225.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 285.75 m 277.5 285.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 271.75 m 277.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 285.75 m 329.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 285.75 m 329.5 285.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 271.75 m 329.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 285.75 m 452.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 285.75 m 452.5 271.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 36.5 248.75 m 173.5 248.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 271.75 m 225.5 271.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 173.5 248.75 m 225.5 248.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 271.75 m 277.5 271.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 248.75 m 277.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 271.75 m 329.5 248.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 271.75 m 329.5 271.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 248.75 m 329.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 271.75 m 452.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 271.75 m 452.5 248.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 248.75 m 277.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 248.75 m 329.5 215.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 248.75 m 329.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 248.75 m 452.5 215.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 248.75 m 452.5 215.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 215.75 m 329.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 215.75 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 452.5 215.75 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 36.5 187.75 m 173.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 187.75 m 277.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 201.75 m 329.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 187.75 m 329.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 187.75 m 411.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 201.75 m 452.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 187.75 m 452.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 201.75 m 452.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 187.75 m 534.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 187.75 m 575.5 187.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 173.75 m 173.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 187.75 m 225.5 187.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 173.75 m 225.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 187.75 m 277.5 187.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 173.75 m 277.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 187.75 m 329.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 187.75 m 329.5 187.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 173.75 m 329.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 187.75 m 370.5 187.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 173.75 m 370.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 187.75 m 411.5 187.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 173.75 m 411.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 187.75 m 452.5 187.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 173.75 m 452.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 187.75 m 452.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 187.75 m 493.5 187.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 173.75 m 493.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 187.75 m 534.5 187.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 173.75 m 534.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 187.75 m 575.5 187.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 173.75 m 575.5 173.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.20 709.20 Td (A) Tj ET Q q 0 0 0 rg BT 226.37 709.20 Td (verage volume) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.45 709.20 Td (Inter) Tj ET Q q 0 0 0 rg BT 378.86 709.20 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.55 709.20 Td (% ) Tj ET Q q 0 0 0 rg BT 494.55 709.20 Td (A) Tj ET Q q 0 0 0 rg BT 500.47 709.20 Td (verage rate) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 695.00 Td (In millions of dollars, except rates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.00 695.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 695.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 695.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.50 695.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 695.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.50 695.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.50 695.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 695.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 695.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 681.20 Td (Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 681.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 681.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 681.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 681.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 681.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 681.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 667.20 Td (Deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 667.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 667.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 667.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 667.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 653.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.34 653.21 Td (fices) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 91.33 657.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 653.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 653.20 Td (338,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 653.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 653.21 Td (313,094) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 653.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 653.21 Td (288,817) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 653.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 653.20 Td (4,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 653.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 653.21 Td (2,530) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 653.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 653.21 Td (1,630) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 653.20 Td (1.33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 653.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 653.21 Td (0.81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 653.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 653.21 Td (0.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 653.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 639.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 639.21 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 132.82 643.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 639.20 Td (453,793) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 639.21 Td (436,949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 639.21 Td (429,608) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 639.20 Td (5,1) Tj ET Q q 0 0 0 rg BT 358.00 639.20 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 639.21 Td (4,057) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 639.21 Td (3,670) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 639.20 Td (1.13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 639.21 Td (0.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 639.21 Td (0.85) 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 (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 625.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 625.20 Td (791,853) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 625.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 625.21 Td (750,043) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 625.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 625.21 Td (718,425) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 625.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 625.20 Td (9,616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 625.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 625.21 Td (6,587) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 625.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 625.21 Td (5,300) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 625.20 Td (1.21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 625.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 625.21 Td (0.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 625.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 625.21 Td (0.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 625.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 611.20 Td (Federal funds pur) Tj ET Q q 0 0 0 rg BT 108.35 611.20 Td (chased and ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 602.20 Td (securities loaned or) Tj ET Q q 0 0 0 rg BT 113.32 602.20 Td ( sold under) Tj ET Q q 0 0 0 rg BT 156.18 602.20 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 593.20 Td (agr) Tj ET Q q 0 0 0 rg BT 51.83 593.20 Td (eements to r) Tj ET Q q 0 0 0 rg BT 98.65 593.20 Td (epur) Tj ET Q q 0 0 0 rg BT 116.48 593.20 Td (chase) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 137.48 597.28 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 579.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 579.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 579.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 579.20 Td (102,843) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 579.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 579.21 Td (96,258) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 579.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 579.21 Td (100,472) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 579.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 579.20 Td (3,320) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 579.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 579.21 Td (1,574) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 579.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 579.21 Td (1,024) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 579.20 Td (3.23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 579.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 579.21 Td (1.64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 579.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 579.21 Td (1.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 579.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 565.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 565.21 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 132.82 569.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.25 565.20 Td (69,264) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 565.21 Td (61,434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 565.21 Td (57,588) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 565.20 Td (1,569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 565.21 Td (1,087) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 565.21 Td (888) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 565.20 Td (2.27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 565.21 Td (1.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 565.21 Td (1.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 551.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 551.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 551.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 551.20 Td (172,107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 551.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 551.21 Td (157,692) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 551.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 551.21 Td (158,060) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 551.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 551.20 Td (4,889) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 551.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 551.21 Td (2,661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 551.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 551.21 Td (1,912) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 551.20 Td (2.84) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 551.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 551.21 Td (1.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 551.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 551.21 Td (1.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 551.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 537.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.33 537.20 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 139.34 541.28 Td (\(7\)\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 523.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 523.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 523.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.25 523.20 Td (37,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 523.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 523.21 Td (33,399) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 523.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 523.21 Td (29,481) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 523.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.50 523.20 Td (612) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 523.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 523.21 Td (380) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 523.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 523.21 Td (242) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 523.20 Td (1.64) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 523.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 523.21 Td (1.14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 523.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 523.21 Td (0.82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 523.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 509.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 509.21 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 132.82 513.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.25 509.20 Td (58,919) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 509.21 Td (57,149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 509.21 Td (44,669) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.50 509.20 Td (389) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 509.21 Td (258) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 509.21 Td (168) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 509.20 Td (0.66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 509.21 Td (0.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 509.21 Td (0.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 495.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 495.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 495.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.25 495.20 Td (96,224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 495.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 495.21 Td (90,548) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 495.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 495.21 Td (74,150) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 495.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 495.20 Td (1,001) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 495.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 495.21 Td (638) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 495.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 495.21 Td (410) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 495.20 Td (1.04) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 495.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 495.21 Td (0.70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 495.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 495.21 Td (0.55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 495.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 481.20 Td (Short-term borr) Tj ET Q q 0 0 0 rg BT 101.56 481.20 Td (owings) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 128.07 485.28 Td (\(9\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 467.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 467.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 467.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.25 467.20 Td (85,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 467.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 467.21 Td (74,825) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 467.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 467.21 Td (61,015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 467.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 467.20 Td (1,885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 467.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 467.21 Td (684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 467.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 467.21 Td (203) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 467.20 Td (2.22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 467.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 467.21 Td (0.91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 467.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 467.21 Td (0.33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 467.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 453.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 453.21 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 132.82 457.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.25 453.20 Td (23,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 453.21 Td (22,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 453.21 Td (19,184) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.50 453.20 Td (324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 453.21 Td (375) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 453.21 Td (274) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 453.20 Td (1.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 453.21 Td (1.64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 453.21 Td (1.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 439.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 439.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 439.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 439.20 Td (108,41) Tj ET Q q 0 0 0 rg BT 217.50 439.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 439.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 439.21 Td (97,662) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 439.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 439.21 Td (80,199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 439.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 439.20 Td (2,209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 439.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 439.21 Td (1,059) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 439.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 439.21 Td (477) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 439.20 Td (2.04) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 439.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 439.21 Td (1.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 439.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 439.21 Td (0.59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 439.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 425.20 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 99.74 429.28 Td (\(10\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 411.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 411.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 411.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 411.20 Td (197,933) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 411.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 411.21 Td (192,079) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 411.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 411.21 Td (175,342) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 411.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 411.20 Td (6,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 411.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 411.21 Td (5,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 411.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 411.21 Td (4,180) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 411.20 Td (3.23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 411.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 411.21 Td (2.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 411.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 411.21 Td (2.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 411.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 397.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 397.21 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 132.82 401.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 397.20 Td (4,895) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.75 397.21 Td (4,615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.75 397.21 Td (6,426) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.50 397.20 Td (165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 397.21 Td (191) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 397.21 Td (233) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 397.20 Td (3.37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 397.21 Td (4.14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 397.21 Td (3.63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 383.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 383.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 383.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 383.20 Td (202,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 383.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 383.21 Td (196,694) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 383.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 383.21 Td (181,768) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 383.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 383.20 Td (6,551) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 383.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 383.21 Td (5,573) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 383.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 383.21 Td (4,413) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 383.20 Td (3.23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 383.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 383.21 Td (2.83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 383.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 383.21 Td (2.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 383.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 369.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 369.20 Td (otal inter) Tj ET Q q 0 0 0 rg BT 79.33 369.20 Td (est-bearing liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 369.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 369.20 Td (1,371,423) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 369.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 369.21 Td (1,292,639) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 369.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 369.21 Td (1,212,602) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 369.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 369.20 Td (24,266) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 369.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 369.21 Td (16,518) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 369.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.25 369.21 Td (12,512) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 369.20 Td (1.77) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 369.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 369.21 Td (1.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 369.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 369.21 Td (1.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 369.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 355.21 Td (Demand deposits in U.S. of) Tj ET Q q 0 0 0 rg BT 138.41 355.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 355.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.25 355.20 Td (33,398) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 355.21 Td (37,824) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 355.21 Td (38,120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 341.21 Td (Other non-interest-bearing ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 332.21 Td (liabilities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 72.50 336.29 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 332.20 Td (315,862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 332.21 Td (316,129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 332.21 Td (328,538) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 318.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 318.20 Td (otal liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 318.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 318.20 Td (1,720,683) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 318.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 318.21 Td (1,646,592) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 318.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 318.21 Td (1,579,260) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 304.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 61.91 304.20 Td (oup stockholders) Tj ET Q q 0 0 0 rg BT 129.76 304.20 Td ( equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 304.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 304.20 Td (198,681) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 304.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 304.21 Td (227,849) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 304.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 304.21 Td (228,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 290.21 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.50 290.20 Td (866) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.50 290.21 Td (997) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.75 290.21 Td (1,1) Tj ET Q q 0 0 0 rg BT 317.00 290.21 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 276.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 276.20 Td (otal equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 276.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 276.20 Td (199,547) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 276.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 276.21 Td (228,846) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 276.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 276.21 Td (229,465) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 262.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 262.20 Td (otal liabilities and stockholders) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 253.20 Td (equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 253.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 253.20 Td (1,920,230) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 253.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 253.21 Td (1,875,438) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 253.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 253.21 Td (1,808,725) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 240.15 Td (Net inter) Tj ET Q q 0 0 0 rg BT 73.07 240.15 Td (est r) Tj ET Q q 0 0 0 rg BT 89.65 240.15 Td (evenue as a ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 229.80 Td (per) Tj ET Q q 0 0 0 rg BT 51.83 229.80 Td (centage of average inter) Tj ET Q q 0 0 0 rg BT 143.38 229.80 Td (est-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 219.45 Td (earning assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 92.75 223.53 Td (\(1) Tj ET Q BT /F2 5.85 Tf ET q 0 0 0 rg BT 97.30 223.53 Td (1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 206.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.34 206.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 206.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 206.20 Td (992,543) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 206.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 206.21 Td (970,439) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 206.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 206.21 Td (944,891) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 206.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 206.20 Td (28,157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 206.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 206.21 Td (27,551) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 206.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.25 206.21 Td (27,929) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 206.20 Td (2.84) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 206.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 206.21 Td (2.84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 206.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 206.21 Td (2.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 206.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 192.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 192.21 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 132.82 196.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 192.20 Td (750,033) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 192.21 Td (701,342) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 192.21 Td (649,193) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 192.20 Td (18,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 192.21 Td (18,006) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.25 192.21 Td (18,009) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 192.20 Td (2.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 192.21 Td (2.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 192.21 Td (2.77) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 178.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 178.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 178.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 178.20 Td (1,742,576) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 178.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 178.21 Td (1,671,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 178.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 178.21 Td (1,594,084) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 178.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 178.20 Td (46,816) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 178.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 178.21 Td (45,557) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 178.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.25 178.21 Td (45,938) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 178.20 Td (2.69) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 178.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 178.21 Td (2.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 178.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 178.21 Td (2.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 178.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 156.65 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 156.65 Td (Net inter) Tj ET Q q 0 0 0 rg BT 81.92 156.65 Td (est r) Tj ET Q q 0 0 0 rg BT 95.63 156.65 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.83 156.65 Td ( includes the taxable equivalent adjustments related to the tax-exempt bond portfolio \(based on the U.S. federal statutory tax rates of 21% in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 147.05 Td (2018 and 35% in 2017 and 2016\) of $254 million, $496 million and $462 million for 2018, 2017 and 2016, respectively) Tj ET Q q 0 0 0 rg BT 437.21 147.05 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 137.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 137.45 Td (Interest rates and amounts include the ef) Tj ET Q q 0 0 0 rg BT 183.14 137.45 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 36.00 127.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 127.85 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 36.00 118.25 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 118.25 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 454.23 118.25 Td ( accounts and other savings deposits. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 108.65 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 99.05 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 99.05 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 99.05 Td (verage rates reflect prevailing local interest rates, including inflationary ef) Tj ET Q q 0 0 0 rg BT 296.27 99.05 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 89.45 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 89.45 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 89.45 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 89.45 Td (ASC 210-20-45. However) Tj ET Q q 0 0 0 rg BT 444.74 89.45 Td (, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 448.74 89.45 Td (Inter) Tj ET Q q 0 0 0 rg BT 464.00 89.45 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.20 89.45 Td ( excludes the impact of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 79.85 Td (ASC 210-20-45.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 70.25 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 70.25 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 70.25 Td (ASC 815-10-45, in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 386.79 70.25 Td (Non-inter) Tj ET Q q 0 0 0 rg BT 417.60 70.25 Td (est-earning assets ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.15 70.25 Td (and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 490.70 70.25 Td (Other non-inter) Tj ET Q q 0 0 0 rg BT 540.84 70.25 Td (est-) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 60.65 Td (bearing liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 111.11 60.65 Td (.) 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 (99) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 750.50 Td (\(8\) ) 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 (\(9\) ) 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 (\(10\) ) 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 the changes in fair value for these ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 712.10 Td (obligations are recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 141.52 712.10 Td (Principal transactions) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.30 712.10 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 702.50 Td (\(1) Tj ET Q q 0 0 0 rg BT 42.37 702.50 Td (1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 702.50 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 36.00 672.90 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 203.52 677.43 Td (\(1\)\(2\)\(3\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 652.90 Td (T) Tj ET Q q 0 0 0 rg BT 41.75 652.90 Td (axable Equivalent Basis) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 581.40 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 581.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 581.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 581.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 581.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 581.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 581.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 544.40 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 544.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 544.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 544.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 544.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 544.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 544.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 516.40 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 516.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 516.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 516.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 516.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 516.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 516.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 488.40 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 488.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 488.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 488.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 488.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 488.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 488.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 460.40 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 460.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 460.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 460.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 460.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 460.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 460.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 432.40 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 432.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 432.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 432.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 432.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 432.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 432.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 404.40 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 404.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 404.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 404.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 404.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 404.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 404.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 376.40 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 376.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 376.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 376.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 376.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 376.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 376.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 348.40 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 348.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 348.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 348.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 348.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 348.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 348.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 320.40 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 320.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 320.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 320.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 320.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 320.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 320.40 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 324.5 627.4 m 366.5 627.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 627.4 m 408.5 627.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 627.4 m 450.5 627.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 627.4 m 492.5 627.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 627.4 m 534.5 627.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 627.4 m 576.5 627.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 604.4 m 366.5 604.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 604.4 m 408.5 604.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 627.4 m 450.5 604.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 604.4 m 450.5 604.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 627.4 m 492.5 627.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 604.4 m 492.5 604.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 627.4 m 534.5 627.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 604.4 m 534.5 604.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 627.4 m 576.5 627.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 604.4 m 576.5 604.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 581.4 m 324.5 581.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 581.4 m 366.5 581.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 581.4 m 408.5 581.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 604.4 m 450.5 581.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 581.4 m 450.5 581.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 581.4 m 492.5 581.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 581.4 m 534.5 581.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 581.4 m 576.5 581.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 567.4 m 324.5 567.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 581.4 m 450.5 567.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 581.4 m 450.5 581.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 581.4 m 450.5 567.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 581.4 m 492.5 581.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 567.4 m 492.5 567.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 581.4 m 534.5 581.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 567.4 m 534.5 567.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 581.4 m 576.5 581.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 567.4 m 576.5 567.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 567.4 m 366.5 567.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 567.4 m 408.5 567.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 567.4 m 450.5 544.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 567.4 m 450.5 567.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 567.4 m 492.5 567.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 567.4 m 534.5 567.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 567.4 m 576.5 567.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 544.4 m 450.5 530.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 544.4 m 450.5 530.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 516.4 m 324.5 516.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 530.4 m 450.5 516.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 530.4 m 450.5 516.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 516.4 m 492.5 516.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 516.4 m 534.5 516.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 502.4 m 324.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 516.4 m 366.5 516.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 502.4 m 366.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 516.4 m 408.5 516.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 502.4 m 408.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 516.4 m 450.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 516.4 m 450.5 516.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 502.4 m 450.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 516.4 m 450.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 516.4 m 492.5 516.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 502.4 m 492.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 516.4 m 534.5 516.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 502.4 m 534.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 516.4 m 576.5 516.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 502.4 m 576.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 502.4 m 366.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 502.4 m 408.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 502.4 m 450.5 488.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 502.4 m 450.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 502.4 m 492.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 502.4 m 534.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 502.4 m 576.5 502.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 488.4 m 450.5 474.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 488.4 m 450.5 474.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 460.4 m 324.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 474.4 m 450.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 474.4 m 450.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 460.4 m 492.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 460.4 m 534.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 446.4 m 324.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 460.4 m 366.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 446.4 m 366.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 460.4 m 408.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 446.4 m 408.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 460.4 m 450.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 460.4 m 450.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 446.4 m 450.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 460.4 m 450.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 460.4 m 492.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 446.4 m 492.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 460.4 m 534.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 446.4 m 534.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 460.4 m 576.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 446.4 m 576.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 446.4 m 366.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 446.4 m 408.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 446.4 m 450.5 432.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 446.4 m 450.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 446.4 m 492.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 446.4 m 534.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 446.4 m 576.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 432.4 m 450.5 418.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 432.4 m 450.5 418.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 404.4 m 324.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 418.4 m 450.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 418.4 m 450.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 404.4 m 492.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 404.4 m 534.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 390.4 m 324.5 390.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 404.4 m 366.5 404.4 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 492.5 348.4 m 534.5 348.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 334.4 m 324.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 348.4 m 366.5 348.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 334.4 m 366.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 348.4 m 408.5 348.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 334.4 m 408.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 348.4 m 450.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 348.4 m 450.5 348.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 334.4 m 450.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 348.4 m 450.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 348.4 m 492.5 348.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 334.4 m 492.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 348.4 m 534.5 348.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 334.4 m 534.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 348.4 m 576.5 348.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 334.4 m 576.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 320.4 m 324.5 320.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 334.4 m 366.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 320.4 m 366.5 320.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 334.4 m 408.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 320.4 m 408.5 320.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 334.4 m 450.5 320.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 334.4 m 450.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 334.4 m 492.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 320.4 m 492.5 320.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 334.4 m 534.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 320.4 m 534.5 320.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 334.4 m 576.5 334.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 320.4 m 576.5 320.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 306.4 m 324.5 306.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 320.4 m 366.5 320.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 306.4 m 366.5 306.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 320.4 m 408.5 320.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 306.4 m 408.5 306.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 320.4 m 450.5 306.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 320.4 m 450.5 320.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 306.4 m 450.5 306.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 320.4 m 450.5 306.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 320.4 m 492.5 320.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 306.4 m 492.5 306.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 320.4 m 534.5 320.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 306.4 m 534.5 306.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 320.4 m 576.5 320.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 306.4 m 576.5 306.4 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 631.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.60 631.85 Td (2018 vs. 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.60 631.86 Td (2017 vs. 2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 608.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.30 617.85 Td (Incr) Tj ET Q q 0 0 0 rg BT 366.63 617.85 Td (ease \(decr) Tj ET Q q 0 0 0 rg BT 404.70 617.85 Td (ease\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.10 608.85 Td (due to change in:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.40 617.86 Td (Increase \(decrease\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.10 608.86 Td (due to change in:) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 585.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.30 594.85 Td (A) Tj ET Q q 0 0 0 rg BT 335.13 594.85 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 585.85 Td (volume) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.30 594.85 Td (A) Tj ET Q q 0 0 0 rg BT 377.13 594.85 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.25 585.85 Td (rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 594.85 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 585.85 Td (change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.05 594.86 Td (A) Tj ET Q q 0 0 0 rg BT 461.88 594.86 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 585.86 Td (volume) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.05 594.86 Td (A) Tj ET Q q 0 0 0 rg BT 503.88 594.86 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.25 585.86 Td (rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.50 594.86 Td (Net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.25 585.86 Td (change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 571.85 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 116.02 575.93 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 571.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 571.85 Td (79) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 571.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.50 571.85 Td (489) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 571.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 571.85 Td (568) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 571.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 571.86 Td (317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 571.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 571.86 Td (347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 571.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 571.86 Td (664) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 557.85 Td (Federal funds sold and securities borr) Tj ET Q q 0 0 0 rg BT 184.59 557.85 Td (owed or) Tj ET Q q 0 0 0 rg BT 215.17 557.85 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 548.85 Td ( pur) Tj ET Q q 0 0 0 rg BT 57.34 548.85 Td (chased under) Tj ET Q q 0 0 0 rg BT 108.44 548.85 Td ( agr) Tj ET Q q 0 0 0 rg BT 123.52 548.85 Td (eements to r) Tj ET Q q 0 0 0 rg BT 170.33 548.85 Td (esell) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 534.86 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 534.86 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 534.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 534.85 Td (123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 534.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.75 534.85 Td (1,773) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 534.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 534.85 Td (1,896) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 534.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 534.86 Td (\(69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 534.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 534.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 534.86 Td (508) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 534.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 534.86 Td (439) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 520.86 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 520.86 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 132.82 524.94 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 520.85 Td (146) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.50 520.85 Td (201) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 520.85 Td (347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 520.86 Td (267) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 520.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 520.86 Td (267) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 506.86 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 506.86 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 506.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 506.85 Td (269) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 506.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.75 506.85 Td (1,974) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 506.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 506.85 Td (2,243) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 506.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 506.86 Td (198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 506.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 506.86 Td (508) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 506.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 506.86 Td (706) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 492.85 Td (T) Tj ET Q q 0 0 0 rg BT 44.33 492.85 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 126.34 496.93 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 478.86 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 478.86 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 478.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 478.85 Td (\(209) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 478.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 478.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.50 478.85 Td (384) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 478.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 478.85 Td (175) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 478.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 478.86 Td (\(214) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 478.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 478.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 478.86 Td (\(46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 478.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 478.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 478.86 Td (\(260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 478.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 464.86 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 464.86 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 132.82 468.94 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 464.85 Td (245) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.50 464.85 Td (253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 464.85 Td (498) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 464.86 Td (1) Tj ET Q q 0 0 0 rg BT 480.00 464.86 Td (1) Tj ET Q q 0 0 0 rg BT 484.50 464.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 464.86 Td (\(89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 464.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 464.86 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 450.86 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 450.86 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 450.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 450.85 Td (36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 450.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.50 450.85 Td (637) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 450.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 450.85 Td (673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 450.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 450.86 Td (\(103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 450.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 450.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 450.86 Td (\(135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 450.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 450.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 450.86 Td (\(238) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 450.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 436.85 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 85.50 440.93 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 422.86 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 422.86 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 422.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 422.85 Td (32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 422.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.50 422.85 Td (780) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 422.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 422.85 Td (812) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 422.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 422.86 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 422.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 422.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 422.86 Td (561) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 422.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 422.86 Td (552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 408.86 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 408.86 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 132.82 412.94 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.00 408.85 Td (\(64) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 408.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.50 408.85 Td (355) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 408.85 Td (291) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 408.86 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 408.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 408.86 Td (156) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 408.86 Td (152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 394.86 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 394.86 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 394.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.00 394.85 Td (\(32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 394.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 394.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.75 394.85 Td (1,135) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 394.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 394.85 Td (1,103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 394.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 394.86 Td (\(13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 394.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 394.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 394.86 Td (717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 394.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 394.86 Td (704) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 380.85 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 161.00 384.93 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 366.86 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 366.86 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 366.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 366.85 Td (974) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 366.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.75 366.85 Td (1,709) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 366.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 366.85 Td (2,683) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 366.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 366.86 Td (749) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 366.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 366.86 Td (955) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 366.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 366.86 Td (1,704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 352.86 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 352.86 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 132.82 356.94 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 352.85 Td (1,062) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.50 352.85 Td (163) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 352.85 Td (1,225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 352.86 Td (304) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 352.86 Td (\(351) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 352.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 352.86 Td (\(47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 352.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 338.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 338.86 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 338.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 338.85 Td (2,036) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 338.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.75 338.85 Td (1,872) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 338.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 338.85 Td (3,908) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 338.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.75 338.86 Td (1,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 338.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 338.86 Td (604) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 338.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 338.86 Td (1,657) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 324.85 Td (Other) Tj ET Q q 0 0 0 rg BT 61.83 324.85 Td ( inter) Tj ET Q q 0 0 0 rg BT 82.41 324.85 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 149.65 328.93 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 324.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 324.85 Td (137) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 324.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.50 324.85 Td (375) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 324.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 324.85 Td (512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 324.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 324.86 Td (207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 324.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 324.86 Td (\(75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 324.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 324.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 324.86 Td (132) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 310.85 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 310.85 Td (otal inter) Tj ET Q q 0 0 0 rg BT 79.25 310.85 Td (est r) Tj ET Q q 0 0 0 rg BT 95.83 310.85 Td (evenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 310.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 310.85 Td (2,525) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 310.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.75 310.85 Td (6,482) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 310.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 310.85 Td (9,007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 310.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.75 310.86 Td (1,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 310.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 310.86 Td (1,966) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 310.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 310.86 Td (3,625) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 289.30 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 289.30 Td (The taxable equivalent adjustment is related to the tax-exempt bond portfolio based on the U.S. federal statutory tax rates of 21% in 2018 and 35% in 2017 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 279.70 Td (2016, and is included in this presentation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 270.10 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 270.10 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 36.00 260.50 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 260.50 Td (Detailed average volume, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 137.96 260.50 Td (Inter) Tj ET Q q 0 0 0 rg BT 153.21 260.50 Td (est r) Tj ET Q q 0 0 0 rg BT 166.92 260.50 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 189.12 260.50 Td ( and) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 202.67 260.50 Td ( Inter) Tj ET Q q 0 0 0 rg BT 219.93 260.50 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.13 260.50 Td ( exclude) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 283.00 260.50 Td ( Discontinued operations) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.89 260.50 Td (. See Note2 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 250.90 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 250.90 Td (Changes in average rates reflect changes in prevailing local interest rates, including inflationary ef) Tj ET Q q 0 0 0 rg BT 368.39 250.90 Td (fects and monetary corrections in certain countries.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 241.30 Td (\(5\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 241.30 Td (Inter) Tj ET Q q 0 0 0 rg BT 69.25 241.30 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.46 241.30 Td ( on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 117.46 241.30 Td (T) Tj ET Q q 0 0 0 rg BT 121.46 241.30 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.35 241.30 Td ( of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 211.01 241.30 Td ( ICG ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 228.79 241.30 Td (is reported as a reduction of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 317.87 241.30 Td ( Inter) Tj ET Q q 0 0 0 rg BT 335.12 241.30 Td (est r) Tj ET Q q 0 0 0 rg BT 348.82 241.30 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.03 241.30 Td (. ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 375.03 241.30 Td (Inter) Tj ET Q q 0 0 0 rg BT 390.28 241.30 Td (est r) Tj ET Q q 0 0 0 rg BT 403.98 241.30 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.19 241.30 Td ( and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 441.74 241.30 Td (Inter) Tj ET Q q 0 0 0 rg BT 456.99 241.30 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.20 241.30 Td ( on cash collateral ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 231.70 Td (positions are reported in interest on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 169.08 231.70 Td (T) Tj ET Q q 0 0 0 rg BT 173.09 231.70 Td (rading account assets ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.86 231.70 Td (and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 258.41 231.70 Td (T) Tj ET Q q 0 0 0 rg BT 262.42 231.70 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.30 231.70 Td (, respectively) Tj ET Q q 0 0 0 rg BT 385.43 231.70 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 222.10 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 222.10 Td (Includes cash-basis loans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 212.50 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 212.50 Td (Includes brokerage receivables.) 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 298.50 33.60 Td (100) 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 BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 729.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.75 729.25 Td (axable Equivalent Basis) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 658.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 658.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 658.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 658.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 658.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 658.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 658.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 630.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 630.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 630.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 630.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 630.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 630.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 630.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 602.75 294.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 602.75 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 602.75 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 602.75 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 602.75 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 602.75 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 602.75 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 565.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 565.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 565.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 565.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 565.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 565.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 565.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 537.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 537.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 537.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 537.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 537.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 537.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 537.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 509.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 509.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 509.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 509.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 509.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 509.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 509.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 481.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 481.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 481.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 481.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 481.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 481.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 481.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 453.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 453.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 453.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 453.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 453.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 453.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 453.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 425.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 425.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 425.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 425.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 425.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 425.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 425.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 397.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 397.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 397.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 397.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 397.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 397.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 397.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 369.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 369.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 369.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 369.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 369.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 369.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 369.75 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 330.5 704.75 m 371.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 704.75 m 412.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 704.75 m 453.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 704.75 m 494.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 704.75 m 535.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 704.75 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 330.5 681.75 m 371.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 681.75 m 412.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 681.75 m 453.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 704.75 m 453.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 681.75 m 494.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 681.75 m 535.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 681.75 m 576.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 658.75 m 330.5 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 658.75 m 371.5 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 658.75 m 412.5 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 658.75 m 453.5 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 681.75 m 453.5 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 658.75 m 494.5 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 658.75 m 535.5 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 658.75 m 576.5 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 658.75 m 453.5 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 644.75 m 453.5 630.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 616.75 m 330.5 616.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 630.75 m 453.5 616.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 616.75 m 494.5 616.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 616.75 m 535.5 616.75 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 330.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 616.75 m 371.5 616.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 602.75 m 371.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 616.75 m 412.5 616.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 602.75 m 412.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 616.75 m 453.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 616.75 m 453.5 616.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 602.75 m 453.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 616.75 m 453.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 616.75 m 494.5 616.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 602.75 m 494.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 616.75 m 535.5 616.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 602.75 m 535.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 616.75 m 576.5 616.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 602.75 m 576.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 602.75 m 371.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 602.75 m 412.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 602.75 m 453.5 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 602.75 m 453.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 602.75 m 494.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 602.75 m 535.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 579.75 m 453.5 565.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 551.75 m 330.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 565.75 m 453.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 551.75 m 494.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 551.75 m 535.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 537.75 m 330.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 551.75 m 371.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 537.75 m 371.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 551.75 m 412.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 537.75 m 412.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 551.75 m 453.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 551.75 m 453.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 537.75 m 453.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 551.75 m 453.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 551.75 m 494.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 537.75 m 494.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 551.75 m 535.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 537.75 m 535.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 551.75 m 576.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 537.75 m 576.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 537.75 m 371.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 537.75 m 412.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 537.75 m 453.5 523.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 537.75 m 453.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 537.75 m 494.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 537.75 m 535.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 537.75 m 576.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 523.75 m 453.5 509.75 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 330.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 509.75 m 453.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 495.75 m 494.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 495.75 m 535.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 481.75 m 330.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 495.75 m 371.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 481.75 m 371.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 495.75 m 412.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 481.75 m 412.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 495.75 m 453.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 495.75 m 453.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 481.75 m 453.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 495.75 m 453.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 495.75 m 494.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 481.75 m 494.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 495.75 m 535.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 481.75 m 535.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 495.75 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 535.5 481.75 m 576.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 481.75 m 371.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 481.75 m 412.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 481.75 m 453.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 481.75 m 453.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 481.75 m 494.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 481.75 m 535.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 481.75 m 576.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 467.75 m 453.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 439.75 m 330.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 453.75 m 453.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 439.75 m 494.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 439.75 m 535.5 439.75 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 330.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 439.75 m 371.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 425.75 m 371.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 439.75 m 412.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 425.75 m 412.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 439.75 m 453.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 439.75 m 453.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 425.75 m 453.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 439.75 m 453.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 439.75 m 494.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 425.75 m 494.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 439.75 m 535.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 425.75 m 535.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 439.75 m 576.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 425.75 m 576.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 425.75 m 371.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 425.75 m 412.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 425.75 m 453.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 425.75 m 453.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 425.75 m 494.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 425.75 m 535.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 425.75 m 576.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 411.75 m 453.5 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 383.75 m 330.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 397.75 m 453.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 383.75 m 494.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 383.75 m 535.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 369.75 m 330.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 383.75 m 371.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 369.75 m 371.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 383.75 m 412.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 369.75 m 412.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 383.75 m 453.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 383.75 m 453.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 369.75 m 453.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 383.75 m 453.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 383.75 m 494.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 369.75 m 494.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 383.75 m 535.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 369.75 m 535.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 383.75 m 576.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 369.75 m 576.5 369.75 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 330.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 369.75 m 371.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 355.75 m 371.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 369.75 m 412.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 355.75 m 412.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 369.75 m 453.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 369.75 m 453.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 355.75 m 453.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 369.75 m 453.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 369.75 m 494.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 355.75 m 494.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 369.75 m 535.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 355.75 m 535.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 369.75 m 576.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 355.75 m 576.5 355.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 341.75 m 330.5 341.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 355.75 m 371.5 355.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 341.75 m 371.5 341.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 355.75 m 412.5 355.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 341.75 m 412.5 341.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 355.75 m 453.5 341.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 355.75 m 453.5 355.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 341.75 m 453.5 341.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 355.75 m 494.5 355.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 341.75 m 494.5 341.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 355.75 m 535.5 355.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 341.75 m 535.5 341.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 355.75 m 576.5 355.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 341.75 m 576.5 341.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 709.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.10 709.20 Td (2018 vs. 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.10 709.21 Td (2017 vs. 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 686.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.80 695.20 Td (Incr) Tj ET Q q 0 0 0 rg BT 371.13 695.20 Td (ease \(decr) Tj ET Q q 0 0 0 rg BT 409.20 695.20 Td (ease\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.60 686.20 Td (due to change in:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.90 695.21 Td (Increase \(decrease\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.60 686.21 Td (due to change in:) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 663.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.80 672.20 Td (A) Tj ET Q q 0 0 0 rg BT 340.63 672.20 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.50 663.20 Td (volume) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.80 672.20 Td (A) Tj ET Q q 0 0 0 rg BT 381.63 672.20 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 663.20 Td (rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 672.20 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.00 663.20 Td (change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.55 672.21 Td (A) Tj ET Q q 0 0 0 rg BT 464.38 672.21 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.00 663.21 Td (volume) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.55 672.21 Td (A) Tj ET Q q 0 0 0 rg BT 505.38 672.21 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 663.21 Td (rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 672.21 Td (Net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 663.21 Td (change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 649.20 Td (Deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 635.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 635.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 635.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 635.20 Td (216) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 635.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 635.20 Td (1,754) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 635.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 635.20 Td (1,970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 635.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 635.21 Td (147) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 635.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 635.21 Td (753) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 635.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 635.21 Td (900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 621.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 621.21 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 132.82 625.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 621.20 Td (162) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.50 621.20 Td (897) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 621.20 Td (1,059) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 621.21 Td (64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 621.21 Td (323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 621.21 Td (387) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 607.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 607.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 607.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 607.20 Td (378) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 607.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 607.20 Td (2,651) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 607.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 607.20 Td (3,029) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 607.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 607.21 Td (21) Tj ET Q q 0 0 0 rg BT 486.50 607.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 607.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 607.21 Td (1,076) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 607.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 607.21 Td (1,287) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 593.20 Td (Federal funds pur) Tj ET Q q 0 0 0 rg BT 108.35 593.20 Td (chased and securities loaned or) Tj ET Q q 0 0 0 rg BT 227.68 593.20 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 584.20 Td ( sold under) Tj ET Q q 0 0 0 rg BT 84.10 584.20 Td ( agr) Tj ET Q q 0 0 0 rg BT 99.18 584.20 Td (eements to r) Tj ET Q q 0 0 0 rg BT 146.00 584.20 Td (epur) Tj ET Q q 0 0 0 rg BT 163.84 584.20 Td (chase) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 570.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 570.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 570.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 570.20 Td (1) Tj ET Q q 0 0 0 rg BT 359.00 570.20 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 570.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 570.20 Td (1,631) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 570.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 570.20 Td (1,746) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 570.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 570.21 Td (\(45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 570.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 570.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 570.21 Td (595) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 570.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 570.21 Td (550) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 556.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 556.21 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 132.82 560.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 556.20 Td (151) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.50 556.20 Td (331) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 556.20 Td (482) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 556.21 Td (62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 556.21 Td (137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 556.21 Td (199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 542.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 542.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 542.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 542.20 Td (266) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 542.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 542.20 Td (1,962) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 542.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 542.20 Td (2,228) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 542.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 542.21 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 542.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 542.21 Td (732) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 542.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 542.21 Td (749) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 528.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.33 528.20 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 139.34 532.28 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 514.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 514.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 514.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.00 514.20 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 514.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.50 514.20 Td (183) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 514.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 514.20 Td (232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 514.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 514.21 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 514.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 514.21 Td (103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 514.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 514.21 Td (138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 500.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 500.21 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 132.82 504.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.50 500.20 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.50 500.20 Td (123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 500.20 Td (131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 500.21 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 500.21 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 500.21 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 486.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 486.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 486.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.00 486.20 Td (57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 486.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.50 486.20 Td (306) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 486.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 486.20 Td (363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 486.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 486.21 Td (87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 486.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 486.21 Td (141) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 486.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 486.21 Td (228) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 472.20 Td (Short-term borr) Tj ET Q q 0 0 0 rg BT 101.56 472.20 Td (owings) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 128.07 476.28 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 458.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 458.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 458.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 458.20 Td (105) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 458.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 458.20 Td (1,096) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 458.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 458.20 Td (1,201) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 458.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 458.21 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 458.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 458.21 Td (426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 458.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 458.21 Td (481) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 444.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 444.21 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 132.82 448.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.50 444.20 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 444.20 Td (\(60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 444.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 444.20 Td (\(51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 444.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 444.21 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 444.21 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 444.21 Td (101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 430.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 430.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 430.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 430.20 Td (1) Tj ET Q q 0 0 0 rg BT 359.00 430.20 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 430.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 430.20 Td (1,036) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 430.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 430.20 Td (1,150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 430.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 430.21 Td (1) Tj ET Q q 0 0 0 rg BT 482.00 430.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 430.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 430.21 Td (470) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 430.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 430.21 Td (582) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 416.20 Td (Long-term debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 402.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.42 402.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 402.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 402.20 Td (168) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 402.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.50 402.20 Td (836) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 402.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 402.20 Td (1,004) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 402.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 402.21 Td (424) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 402.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 402.21 Td (778) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 402.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 402.21 Td (1,202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 388.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 388.21 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 132.82 392.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.00 388.20 Td (1) Tj ET Q q 0 0 0 rg BT 363.50 388.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 388.20 Td (\(37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 388.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 388.20 Td (\(26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 388.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 388.21 Td (\(72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 388.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 388.21 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 388.21 Td (\(42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 388.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 374.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 374.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 374.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 374.20 Td (179) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 374.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.50 374.20 Td (799) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 374.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 374.20 Td (978) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 374.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 374.21 Td (352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 374.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 374.21 Td (808) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 374.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 374.21 Td (1,160) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 360.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 360.20 Td (otal inter) Tj ET Q q 0 0 0 rg BT 79.33 360.20 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 360.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 360.20 Td (994) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 360.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 360.20 Td (6,754) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 360.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 360.20 Td (7,748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 360.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 360.21 Td (779) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 360.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 360.21 Td (3,227) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 360.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 360.21 Td (4,006) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 346.20 Td (Net inter) Tj ET Q q 0 0 0 rg BT 73.07 346.20 Td (est r) Tj ET Q q 0 0 0 rg BT 89.65 346.20 Td (evenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 346.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.75 346.20 Td (1,531) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 346.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 346.20 Td (\(272) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 346.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 346.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 346.20 Td (1,259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 346.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 346.21 Td (880) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 346.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 346.21 Td (\(1,261) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.00 346.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 346.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 346.21 Td (\(381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 346.21 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 324.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 324.65 Td (The taxable equivalent adjustment is related to the tax-exempt bond portfolio based on the U.S. federal statutory tax rate of 21% in 2018 and 35% in 2017 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 315.05 Td (2016, and is included in this presentation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 305.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 305.45 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 36.00 295.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 295.85 Td (Detailed average volume, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 137.96 295.85 Td (Inter) Tj ET Q q 0 0 0 rg BT 153.21 295.85 Td (est r) Tj ET Q q 0 0 0 rg BT 166.92 295.85 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 189.12 295.85 Td ( and) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 202.67 295.85 Td ( Inter) Tj ET Q q 0 0 0 rg BT 219.93 295.85 Td (est expense ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.13 295.85 Td (exclude ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 285.00 295.85 Td (Discontinued operations) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.89 295.85 Td (. See Note2 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 286.25 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 286.25 Td (Changes in average rates reflect changes in prevailing local interest rates, including inflationary ef) Tj ET Q q 0 0 0 rg BT 368.39 286.25 Td (fects and monetary corrections in certain countries.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 276.65 Td (\(5\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 276.65 Td (Inter) Tj ET Q q 0 0 0 rg BT 69.25 276.65 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.46 276.65 Td ( on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 117.46 276.65 Td (T) Tj ET Q q 0 0 0 rg BT 121.46 276.65 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.35 276.65 Td ( of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 211.01 276.65 Td ( ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.79 276.65 Td ( is reported as a reduction of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 319.87 276.65 Td (Inter) Tj ET Q q 0 0 0 rg BT 335.12 276.65 Td (est r) Tj ET Q q 0 0 0 rg BT 348.82 276.65 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.03 276.65 Td (. ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 375.03 276.65 Td (Inter) Tj ET Q q 0 0 0 rg BT 390.28 276.65 Td (est r) Tj ET Q q 0 0 0 rg BT 403.98 276.65 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.19 276.65 Td ( and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 441.74 276.65 Td (Inter) Tj ET Q q 0 0 0 rg BT 456.99 276.65 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.20 276.65 Td ( on cash collateral ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 267.05 Td (positions are reported in interest on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 169.08 267.05 Td (T) Tj ET Q q 0 0 0 rg BT 173.09 267.05 Td (rading account assets ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.86 267.05 Td (and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 258.41 267.05 Td (T) Tj ET Q q 0 0 0 rg BT 262.42 267.05 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.30 267.05 Td (, respectively) Tj ET Q q 0 0 0 rg BT 385.43 267.05 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 257.45 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 257.45 Td (Includes brokerage payables.) 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 298.50 33.60 Td (101) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Market Risk of ) Tj ET Q q 0 0 0 rg BT 103.31 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 109.24 749.25 Td (rading Portfolios) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 737.25 Td (rading portfolios include positions resulting from market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (making activities, hedges of certain available-for) Tj ET Q q 0 0 0 rg BT 231.27 725.25 Td (-sale \(AFS\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (debt securities, the CV) Tj ET Q q 0 0 0 rg BT 125.80 713.25 Td (A) Tj ET Q q 0 0 0 rg BT 132.47 713.25 Td ( relating to derivative counterparties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (and all associated hedges, fair value option loans, hedges to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (the loan portfolio within capital markets origination within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.22 677.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 665.25 Td (The market risk of Citi) Tj ET Q q 0 0 0 rg BT 148.42 665.25 Td (s trading portfolios is monitored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (using a combination of quantitative and qualitative measures, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (including, but not limited to:) 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 (factor sensitivities; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 611.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 611.25 Td (value at risk \(V) Tj ET Q q 0 0 0 rg BT 114.63 611.25 Td (AR\); and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 599.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 599.25 Td (stress testing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 575.25 Td (Each trading portfolio across Citi) Tj ET Q q 0 0 0 rg BT 190.08 575.25 Td (s businesses has its own ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 563.25 Td (market risk limit framework encompassing these measures and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 551.25 Td (other controls, including trading mandates, new product ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (approval, permitted product lists, and pre-trade approval for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (lar) Tj ET Q q 0 0 0 rg BT 334.37 737.10 Td (ger) Tj ET Q q 0 0 0 rg BT 346.73 737.10 Td (, more complex and less liquid transactions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 725.10 Td (The following chart of total daily trading-related revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (\(loss\) captures trading volatility and shows the number of days ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (in which revenues for Citi) Tj ET Q q 0 0 0 rg BT 431.20 701.10 Td (s trading businesses fell within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (particular ranges. ) Tj ET Q q 0 0 0 rg BT 395.73 689.10 Td (T) Tj ET Q q 0 0 0 rg BT 401.49 689.10 Td (rading-related revenue includes trading, net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (interest and other revenue associated with Citi) Tj ET Q q 0 0 0 rg BT 511.72 677.10 Td (s trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (businesses. It excludes DV) Tj ET Q q 0 0 0 rg BT 430.47 665.10 Td (A, FV) Tj ET Q q 0 0 0 rg BT 454.19 665.10 Td (A) Tj ET Q q 0 0 0 rg BT 460.86 665.10 Td ( and CV) Tj ET Q q 0 0 0 rg BT 492.90 665.10 Td (A) Tj ET Q q 0 0 0 rg BT 499.57 665.10 Td ( adjustments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (incurred due to changes in the credit quality of counterparties, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (as well as any associated hedges to that CV) Tj ET Q q 0 0 0 rg BT 496.55 641.10 Td (A. In addition, it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (excludes fees and other revenue associated with capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (markets origination activities. ) Tj ET Q q 0 0 0 rg BT 445.46 617.10 Td (T) Tj ET Q q 0 0 0 rg BT 451.21 617.10 Td (rading-related revenues are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (driven by both customer flows and the changes in valuation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (the trading inventory) Tj ET Q q 0 0 0 rg BT 407.22 593.10 Td (. ) Tj ET Q q 0 0 0 rg BT 411.67 593.10 Td (As shown in the chart, positive trading-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (related revenue was achieved for 98.1% of the trading days in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (2018.) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 528.75 m 576.5 528.75 l s BT /F6 10.00 Tf ET q 0 0 0 rg BT 39.00 516.47 Td (Daily T) Tj ET Q q 0 0 0 rg BT 71.24 516.47 Td (rading-Related Revenue \(Loss\)) Tj ET Q BT /F6 10.00 Tf ET BT /F6 6.50 Tf ET q 0 0 0 rg BT 218.49 521.24 Td (\(1\)) Tj ET Q BT /F6 10.00 Tf ET q 0 0 0 rg BT 226.43 516.47 Td ( T) Tj ET Q q 0 0 0 rg BT 244.57 516.47 Td (welve Months ended December 31, 2018) Tj ET Q BT /F7 8.00 Tf ET q 0 0 0 rg BT 39.00 507.93 Td (In millions of dollars) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 540.00 0 0 237.25 36.00 250.02 cm /I42 Do Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 230.80 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 230.80 Td (Reflects the ef) Tj ET Q q 0 0 0 rg BT 100.05 230.80 Td (fects of asymmetrical accounting for economic hedges of certain ) Tj ET Q q 0 0 0 rg BT 308.64 230.80 Td (AFS debt securities. Specifically) Tj ET Q q 0 0 0 rg BT 412.98 230.80 Td (, the change in the fair value of hedging ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 221.20 Td (derivatives is included in) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 134.20 221.20 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 136.20 221.20 Td (T) Tj ET Q q 0 0 0 rg BT 140.81 221.20 Td (rading-related revenue, while the of) Tj ET Q q 0 0 0 rg BT 255.05 221.20 Td (fsetting change in the fair value of hedged ) Tj ET Q q 0 0 0 rg BT 391.45 221.20 Td (AFS debt securities is included in ) Tj ET Q q 0 0 0 rg BT 500.77 221.20 Td (AOCI and not ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 211.60 Td (reflected above.) 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 (102) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Factor) Tj ET Q q 0 0 0 rg BT 64.13 749.25 Td ( Sensitivities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Factor sensitivities are expressed as the change in the value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (a position for a defined change in a market risk factor) Tj ET Q q 0 0 0 rg BT 249.96 725.25 Td (, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (a change in the value of a U.S. ) Tj ET Q q 0 0 0 rg BT 160.78 713.25 Td (T) Tj ET Q q 0 0 0 rg BT 166.53 713.25 Td (reasury bill for a one-basis-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (point change in interest rates. Citi) Tj ET Q q 0 0 0 rg BT 173.74 701.25 Td (s market risk management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (within the Risk or) Tj ET Q q 0 0 0 rg BT 107.76 689.25 Td (ganization, works to ensure that factor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (sensitivities are calculated, monitored and limited for all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (material risks taken in the trading portfolios.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 641.25 Td (alue at Risk \(V) Tj ET Q q 0 0 0 rg BT 104.63 641.25 Td (AR\)) 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 41.93 629.25 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 36.00 617.25 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 36.00 605.25 Td (market conditions assuming a one-day holding period. ) Tj ET Q q 0 0 0 rg BT 255.78 605.25 Td (V) Tj ET Q q 0 0 0 rg BT 261.71 605.25 Td (AR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (statistics, which are based on historical data, can be materially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 581.25 Td (ferent across firms due to dif) Tj ET Q q 0 0 0 rg BT 161.99 581.25 Td (ferences in portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (composition, dif) Tj ET Q q 0 0 0 rg BT 101.37 569.25 Td (ferences in ) Tj ET Q q 0 0 0 rg BT 147.27 569.25 Td (V) Tj ET Q q 0 0 0 rg BT 153.21 569.25 Td (AR methodologies and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 557.25 Td (ferences in model parameters. ) Tj ET Q q 0 0 0 rg BT 168.82 557.25 Td (As a result, Citi believes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (V) Tj ET Q q 0 0 0 rg BT 41.93 545.25 Td (AR statistics can be used more ef) Tj ET Q q 0 0 0 rg BT 175.05 545.25 Td (fectively as indicators of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (trends in risk-taking within a firm, rather than as a basis for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (inferring dif) Tj ET Q q 0 0 0 rg BT 84.41 521.25 Td (ferences in risk-taking across firms.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 509.25 Td (Citi uses a single, independently approved Monte Carlo ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 80.54 497.25 Td (V) Tj ET Q q 0 0 0 rg BT 86.47 497.25 Td (AR model \(see V) Tj ET Q q 0 0 0 rg BT 159.33 497.25 Td (AR Model Review and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.11 485.25 Td (alidation below\), which has been designed to capture ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (material risk sensitivities \(such as first- and second-order ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (sensitivities of positions to changes in market prices\) of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (various asset classes/risk types \(such as interest rate, credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (spread, foreign exchange, equity and commodity risks\). Citi) Tj ET Q q 0 0 0 rg BT 278.72 437.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (V) Tj ET Q q 0 0 0 rg BT 41.93 425.25 Td (AR includes positions which are measured at fair value; it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (does not include investment securities classified as ) Tj ET Q q 0 0 0 rg BT 241.23 413.25 Td (AFS or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (HTM. For information on these securities, see Note13 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 725.10 Td (Citi believes its ) Tj ET Q q 0 0 0 rg BT 406.54 725.10 Td (V) Tj ET Q q 0 0 0 rg BT 412.47 725.10 Td (AR model is conservatively calibrated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 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 324.00 701.10 Td (\(approximately the most recent month\) and long-term \(three ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (years\) market volatility) Tj ET Q q 0 0 0 rg BT 416.65 689.10 Td (. ) Tj ET Q q 0 0 0 rg BT 421.47 689.10 Td (The Monte Carlo simulation involves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (approximately 450,000 market factors, making use of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (approximately 350,000 time series, with sensitivities updated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (daily) Tj ET Q q 0 0 0 rg BT 343.35 653.10 Td (, volatility parameters updated intra-month and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (correlation parameters updated monthly) Tj ET Q q 0 0 0 rg BT 483.01 641.10 Td (. ) Tj ET Q q 0 0 0 rg BT 487.83 641.10 Td (The conservative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (features of the ) Tj ET Q q 0 0 0 rg BT 383.51 629.10 Td (V) Tj ET Q q 0 0 0 rg BT 389.44 629.10 Td (AR calibration contribute an approximate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (20% add-on to what would be a ) Tj ET Q q 0 0 0 rg BT 453.51 617.10 Td (V) Tj ET Q q 0 0 0 rg BT 459.44 617.10 Td (AR estimated under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (assumption of stable and perfectly) Tj ET Q q 0 0 0 rg BT 460.53 605.10 Td (, normally distributed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (markets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 581.10 Td (As shown in the table below) Tj ET Q q 0 0 0 rg BT 454.94 581.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 477.73 581.10 Td (s average trading ) Tj ET Q q 0 0 0 rg BT 548.35 581.10 Td (V) Tj ET Q q 0 0 0 rg BT 554.28 581.10 Td (AR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (modestly decreased in 2018 compared to the prior year) Tj ET Q q 0 0 0 rg BT 543.52 569.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (mainly due to a minor reduction in average credit spreads, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 367.97 545.10 Td (fset by a minor increase in interest rate exposure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 352.06 533.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.28 533.10 Td (. ) Tj ET Q q 0 0 0 rg BT 373.73 533.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 423.63 533.10 Td (, among secondary factors with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (limited contribution to Citi) Tj ET Q q 0 0 0 rg BT 434.27 521.10 Td (s average ) Tj ET Q q 0 0 0 rg BT 474.07 521.10 Td (V) Tj ET Q q 0 0 0 rg BT 480.00 521.10 Td (AR, equity risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (increased mainly due to exposure changes in the Equities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (business, partially of) Tj ET Q q 0 0 0 rg BT 406.86 497.10 Td (fset by a modest decrease in commodity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (exposures within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 394.55 485.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.77 485.10 Td (. ) Tj ET Q q 0 0 0 rg BT 416.59 485.10 Td (The decrease in Citi) Tj ET Q q 0 0 0 rg BT 499.61 485.10 Td (s average trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (and credit portfolio ) Tj ET Q q 0 0 0 rg BT 403.52 473.10 Td (V) Tj ET Q q 0 0 0 rg BT 409.45 473.10 Td (AR from 2018 was in line with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (decrease in average trading ) Tj ET Q q 0 0 0 rg BT 435.42 461.10 Td (V) Tj ET Q q 0 0 0 rg BT 441.35 461.10 Td (AR, as the average incremental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (impact of the credit portfolio was unchanged.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (Y) Tj ET Q q 0 0 0 rg BT 42.11 389.25 Td (ear) Tj ET Q q 0 0 0 rg BT 55.62 389.25 Td (-end and ) Tj ET Q q 0 0 0 rg BT 95.08 389.25 Td (A) Tj ET Q q 0 0 0 rg BT 101.56 389.25 Td (verage ) Tj ET Q q 0 0 0 rg BT 132.20 389.25 Td (T) Tj ET Q q 0 0 0 rg BT 138.12 389.25 Td (rading ) Tj ET Q q 0 0 0 rg BT 168.78 389.25 Td (V) Tj ET Q q 0 0 0 rg BT 174.72 389.25 Td (AR and ) Tj ET Q q 0 0 0 rg BT 210.10 389.25 Td (T) Tj ET Q q 0 0 0 rg BT 216.03 389.25 Td (rading and Cr) Tj ET Q q 0 0 0 rg BT 276.97 389.25 Td (edit Portfolio ) Tj ET Q q 0 0 0 rg BT 335.66 389.25 Td (V) Tj ET Q q 0 0 0 rg BT 341.60 389.25 Td (AR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.04 389.25 Td ( ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 341.75 316.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 341.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 341.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 341.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 341.75 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 313.75 316.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 313.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 313.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 313.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 313.75 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 285.75 316.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 285.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 285.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 285.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 285.75 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 257.75 316.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 257.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 257.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 257.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 257.75 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 220.75 316.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 220.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 220.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 220.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 220.75 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 192.75 316.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 192.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 192.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 192.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 192.75 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 36.5 355.75 m 352.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 355.75 m 417.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 355.75 m 465.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 355.75 m 528.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 355.75 m 574.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 355.75 m 465.5 341.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 355.75 m 528.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 355.75 m 574.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 341.75 m 465.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 313.75 m 352.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 313.75 m 417.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 327.75 m 465.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 313.75 m 465.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 313.75 m 528.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 313.75 m 574.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 313.75 m 465.5 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 299.75 m 465.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 285.75 m 465.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 271.75 m 465.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 243.75 m 352.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 257.75 m 465.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 220.75 m 352.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 243.75 m 417.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 243.75 m 465.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 243.75 m 465.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 243.75 m 528.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 243.75 m 574.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 206.75 m 352.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 220.75 m 417.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 220.75 m 465.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 220.75 m 465.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 220.75 m 528.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 220.75 m 574.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 206.75 m 352.5 206.75 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 352.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 206.75 m 417.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 192.75 m 417.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 206.75 m 465.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 206.75 m 465.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 192.75 m 465.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 206.75 m 528.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 192.75 m 528.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 206.75 m 574.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 192.75 m 574.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 178.75 m 352.5 178.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 192.75 m 465.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 164.75 m 352.5 164.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 178.75 m 417.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 164.75 m 417.5 164.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 178.75 m 465.5 164.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 178.75 m 465.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 164.75 m 465.5 164.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 178.75 m 528.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 164.75 m 528.5 164.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 178.75 m 574.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 164.75 m 574.5 164.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 360.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.30 369.20 Td (December) Tj ET Q q 0 0 0 rg BT 397.19 369.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.50 360.20 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 369.20 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.30 360.20 Td (A) Tj ET Q q 0 0 0 rg BT 431.13 360.20 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 369.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 360.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 369.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.05 360.21 Td (A) Tj ET Q q 0 0 0 rg BT 541.88 360.21 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 346.21 Td (Interest rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 346.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 346.20 Td (48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.00 346.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 346.20 Td (60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 346.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 346.21 Td (69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 346.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 346.21 Td (58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 332.21 Td (Credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 332.20 Td (55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 332.20 Td (47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 332.21 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 332.21 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 318.21 Td (Covariance adjustment) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 121.72 322.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 318.20 Td (\(23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 318.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 318.20 Td (\(24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 318.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 318.21 Td (\(25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 318.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 318.21 Td (\(20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 318.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 304.21 Td (Fully diversified interest rate and credit spread) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 206.94 308.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 304.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 304.20 Td (80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.00 304.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 304.20 Td (83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 304.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 304.21 Td (98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 304.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 304.21 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 290.21 Td (Foreign exchange) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 290.20 Td (18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 290.20 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 290.21 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 290.21 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 276.21 Td (Equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 276.20 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 276.20 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 276.21 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 276.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 262.21 Td (Commodity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 262.20 Td (23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 262.20 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 262.21 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 262.21 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 248.21 Td (Covariance adjustment) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 121.72 252.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 248.20 Td (\(66) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 248.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 248.20 Td (\(67) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 248.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 248.21 Td (\(63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 248.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 248.21 Td (\(64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 248.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 234.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 234.20 Td (otal trading ) Tj ET Q q 0 0 0 rg BT 91.51 234.20 Td (V) Tj ET Q q 0 0 0 rg BT 96.85 234.20 Td (ARall market risk factors, including general and specific risk ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 225.20 Td (\(excluding cr) Tj ET Q q 0 0 0 rg BT 89.08 225.20 Td (edit portfolios\)) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 145.82 229.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 225.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 225.20 Td (80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.00 225.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 225.20 Td (82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 225.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 225.21 Td (94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 225.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 225.21 Td (84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 211.21 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 145.48 215.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 211.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.50 211.20 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.00 211.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 211.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 211.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 211.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 211.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 211.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 197.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 197.21 Td (otal trading ) Tj ET Q q 0 0 0 rg BT 87.19 197.21 Td (V) Tj ET Q q 0 0 0 rg BT 92.53 197.21 Td (ARgeneral market risk factors only \(excluding credit portfolios\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 197.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 197.20 Td (76) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.00 197.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 197.20 Td (78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 197.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 197.21 Td (94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 197.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 197.21 Td (83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 183.21 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 188.19 187.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 183.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 183.20 Td (18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.00 183.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 183.20 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 183.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 183.21 Td (1) Tj ET Q q 0 0 0 rg BT 520.50 183.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 183.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 183.21 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 169.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 169.20 Td (otal trading and cr) Tj ET Q q 0 0 0 rg BT 116.26 169.20 Td (edit portfolio ) Tj ET Q q 0 0 0 rg BT 168.59 169.20 Td (V) Tj ET Q q 0 0 0 rg BT 173.93 169.20 Td (AR) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 169.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 169.20 Td (98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.00 169.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 169.20 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 169.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 169.21 Td (105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 169.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 169.21 Td (94) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 146.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 146.05 Td (Covariance adjustment \(also known as diversification benefit\) equals the dif) Tj ET Q q 0 0 0 rg BT 297.56 146.05 Td (ference between the total ) Tj ET Q q 0 0 0 rg BT 379.59 146.05 Td (V) Tj ET Q q 0 0 0 rg BT 384.34 146.05 Td (AR and the sum of the ) Tj ET Q q 0 0 0 rg BT 458.40 146.05 Td (V) Tj ET Q q 0 0 0 rg BT 463.15 146.05 Td (ARs tied to each individual risk ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 136.45 Td (type. ) Tj ET Q q 0 0 0 rg BT 71.63 136.45 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 457.62 136.45 Td (, the total ) Tj ET Q q 0 0 0 rg BT 489.47 136.45 Td (V) Tj ET Q q 0 0 0 rg BT 494.21 136.45 Td (AR on a given day will ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 126.85 Td (be lower than the sum of the ) Tj ET Q q 0 0 0 rg BT 146.94 126.85 Td (V) Tj ET Q q 0 0 0 rg BT 151.69 126.85 Td (ARs relating to each individual risk type. ) Tj ET Q q 0 0 0 rg BT 285.29 126.85 Td (The determination of the primary drivers of changes to the covariance adjustment is made ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 117.25 Td (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 36.00 107.65 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 107.65 Td (The total trading ) Tj ET Q q 0 0 0 rg BT 109.17 107.65 Td (V) Tj ET Q q 0 0 0 rg BT 113.92 107.65 Td (AR includes mark-to-market and certain fair value option trading positions in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 363.85 107.65 Td (ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 377.63 107.65 Td (, with the exception of hedges to the loan portfolio, fair value ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 98.05 Td (option loans and all CV) Tj ET Q q 0 0 0 rg BT 128.96 98.05 Td (A) Tj ET Q q 0 0 0 rg BT 134.30 98.05 Td ( exposures. ) Tj ET Q q 0 0 0 rg BT 171.85 98.05 Td (A) Tj ET Q q 0 0 0 rg BT 177.03 98.05 Td (vailable-for) Tj ET Q q 0 0 0 rg BT 214.18 98.05 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 88.45 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 88.45 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 88.45 Td (-specific risk embedded in ) Tj ET Q q 0 0 0 rg BT 420.69 88.45 Td (V) Tj ET Q q 0 0 0 rg BT 425.43 88.45 Td (AR. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 78.85 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 78.85 Td (The credit portfolio is composed of mark-to-market positions associated with non-trading business units, the CV) Tj ET Q q 0 0 0 rg BT 413.13 78.85 Td (A) Tj ET Q q 0 0 0 rg BT 418.46 78.85 Td ( relating to derivative counterparties and all ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 69.25 Td (associated CV) Tj ET Q q 0 0 0 rg BT 98.96 69.25 Td (A) Tj ET Q q 0 0 0 rg BT 104.29 69.25 Td ( hedges. FV) Tj ET Q q 0 0 0 rg BT 141.70 69.25 Td (A) Tj ET Q q 0 0 0 rg BT 147.04 69.25 Td ( and DV) Tj ET Q q 0 0 0 rg BT 173.11 69.25 Td (A) Tj ET Q q 0 0 0 rg BT 178.45 69.25 Td ( are not included. ) Tj ET Q q 0 0 0 rg BT 235.84 69.25 Td (The credit portfolio also includes hedges to the loan portfolio, fair value option loans and hedges within ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 59.65 Td (capital markets origination in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 149.97 59.65 Td (ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.75 59.65 Td (.) 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 (103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (The table below provides the range of market factor ) Tj ET Q q 0 0 0 rg BT 246.01 749.10 Td (V) Tj ET Q q 0 0 0 rg BT 251.94 749.10 Td (ARs associated with Citi) Tj ET Q q 0 0 0 rg BT 353.88 749.10 Td (s total trading ) Tj ET Q q 0 0 0 rg BT 411.19 749.10 Td (V) Tj ET Q q 0 0 0 rg BT 417.12 749.10 Td (AR, inclusive of specific risk:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 696.60 336.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 696.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 696.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 696.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 696.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 668.60 336.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 668.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 668.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 668.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 668.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 640.60 336.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 640.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 640.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 640.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 640.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 612.60 336.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 612.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 612.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 612.60 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 612.60 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 372.5 724.6 m 423.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 724.6 m 474.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 724.6 m 525.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 724.6 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 36.5 710.6 m 372.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 710.6 m 423.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 724.6 m 474.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 710.6 m 474.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 710.6 m 525.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 710.6 m 576.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 710.6 m 474.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 682.6 m 372.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 682.6 m 423.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 696.6 m 474.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 682.6 m 474.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 682.6 m 525.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 682.6 m 576.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 682.6 m 474.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 668.6 m 474.5 654.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 654.6 m 474.5 640.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 626.6 m 372.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 626.6 m 423.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 640.6 m 474.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 626.6 m 474.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 626.6 m 525.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 626.6 m 576.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 626.6 m 474.5 612.6 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 372.5 598.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 598.6 m 423.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 612.6 m 474.5 598.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 598.6 m 474.5 598.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 598.6 m 525.5 598.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 598.6 m 576.5 598.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 729.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 729.06 Td (2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 714.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.95 715.05 Td (Low) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.95 715.05 Td (High) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.25 715.06 Td (Low) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 715.06 Td (High) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 701.06 Td (Interest rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.00 701.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 701.05 Td (34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 701.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 701.05 Td (89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 701.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 701.06 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 701.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 701.06 Td (97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 687.06 Td (Credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 687.05 Td (38) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 687.05 Td (64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 687.06 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 687.06 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 673.06 Td (Fully diversified interest rate and credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.00 673.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 673.05 Td (59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 673.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 673.05 Td (1) Tj ET Q q 0 0 0 rg BT 462.00 673.05 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 673.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 673.06 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 673.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 673.06 Td (109) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 659.06 Td (Foreign exchange) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 659.05 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 659.05 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 659.06 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 659.06 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 645.06 Td (Equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 645.05 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 645.05 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 645.06 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 645.06 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 631.06 Td (Commodity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 631.05 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 631.05 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 631.06 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 631.06 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 617.06 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 617.06 Td (otal trading) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.00 617.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 617.05 Td (56) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 617.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 617.05 Td (120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 617.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 617.06 Td (58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 617.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 617.06 Td (1) Tj ET Q q 0 0 0 rg BT 564.00 617.06 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 603.06 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 603.06 Td (otal trading and credit portfolio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 603.05 Td (66) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 603.05 Td (124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 603.06 Td (67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 603.06 Td (123) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 580.50 Td (Note: No covariance adjustment can be inferred as the high and low for each market factor will be from dif) Tj ET Q q 0 0 0 rg BT 378.61 580.50 Td (ferent close-of-business dates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 558.90 Td (The following table provides the ) Tj ET Q q 0 0 0 rg BT 186.84 558.90 Td (V) Tj ET Q q 0 0 0 rg BT 192.77 558.90 Td (AR for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 223.33 558.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.55 558.90 Td (, excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 546.90 Td (the CV) Tj ET Q q 0 0 0 rg BT 63.32 546.90 Td (A) Tj ET Q q 0 0 0 rg BT 69.99 546.90 Td ( relating to derivative counterparties, hedges of CV) Tj ET Q q 0 0 0 rg BT 273.63 546.90 Td (A, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 534.90 Td (fair value option loans and hedges to the loan portfolio:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 510.40 182.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 510.40 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 473.40 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 473.40 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 36.5 510.4 m 218.5 510.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 510.4 m 281.5 510.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 487.4 m 218.5 487.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 487.4 m 281.5 487.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 445.4 m 218.5 445.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 445.4 m 281.5 445.4 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 514.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 224.25 514.85 Td (Dec. 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 500.85 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 500.85 Td (otalall market risk factors, including) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 491.85 Td (general and specific risk) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 491.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 491.85 Td (79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 477.86 Td (A) Tj ET Q q 0 0 0 rg BT 45.17 477.86 Td (verageduring year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 477.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 477.85 Td (81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 463.86 Td (Highduring year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.50 463.85 Td (120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 449.86 Td (Lowduring year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 449.85 Td (55) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 416.50 Td (V) Tj ET Q q 0 0 0 rg BT 41.37 416.50 Td (AR Model Review and V) Tj ET Q q 0 0 0 rg BT 138.00 416.50 Td (alidation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 404.50 Td (Generally) Tj ET Q q 0 0 0 rg BT 74.77 404.50 Td (, Citi) Tj ET Q q 0 0 0 rg BT 97.56 404.50 Td (s ) Tj ET Q q 0 0 0 rg BT 103.77 404.50 Td (V) Tj ET Q q 0 0 0 rg BT 109.70 404.50 Td (AR review and model validation process ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 392.50 Td (entails reviewing the model framework, major assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 380.50 Td (and implementation of the mathematical algorithm. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 368.50 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 36.00 356.50 Td (specific back-testing on portfolios is periodically completed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 344.50 Td (and reviewed with Citi) Tj ET Q q 0 0 0 rg BT 130.15 344.50 Td (s U.S. banking regulators. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 332.50 Td (Furthermore, Regulatory ) Tj ET Q q 0 0 0 rg BT 137.74 332.50 Td (V) Tj ET Q q 0 0 0 rg BT 143.67 332.50 Td (AR back-testing \(as described ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 320.50 Td (below\) is performed against buy-and-hold profit and loss on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 308.50 Td (monthly basis for multiple sub-portfolios across the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 296.50 Td (or) Tj ET Q q 0 0 0 rg BT 44.15 296.50 Td (ganization \(trading desk level, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 167.72 296.50 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.94 296.50 Td ( business segment and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 284.50 Td (Citigroup\) and the results are shared with U.S. banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 272.50 Td (regulators.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 260.50 Td (Significant ) Tj ET Q q 0 0 0 rg BT 100.20 260.50 Td (V) Tj ET Q q 0 0 0 rg BT 106.13 260.50 Td (AR model and assumption changes must be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 248.50 Td (independently validated within Citi) Tj ET Q q 0 0 0 rg BT 180.14 248.50 Td (s risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 236.50 Td (or) Tj ET Q q 0 0 0 rg BT 44.15 236.50 Td (ganization. ) Tj ET Q q 0 0 0 rg BT 90.62 236.50 Td (This validation process includes a review by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 224.50 Td (model validation group within Citi) Tj ET Q q 0 0 0 rg BT 177.66 224.50 Td (s Model Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 212.50 Td (Management. In the event of significant model changes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 200.50 Td (parallel model runs are undertaken prior to implementation. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 188.50 Td (addition, significant model and assumption changes are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 176.50 Td (subject to the periodic reviews and approval by Citi) Tj ET Q q 0 0 0 rg BT 245.39 176.50 Td (s U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 164.50 Td (banking regulators.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 152.50 Td (Citi uses the same independently validated ) Tj ET Q q 0 0 0 rg BT 227.11 152.50 Td (V) Tj ET Q q 0 0 0 rg BT 233.04 152.50 Td (AR model ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 140.50 Td (for both Regulatory ) Tj ET Q q 0 0 0 rg BT 117.19 140.50 Td (V) Tj ET Q q 0 0 0 rg BT 123.12 140.50 Td (AR and Risk Management ) Tj ET Q q 0 0 0 rg BT 231.82 140.50 Td (V) Tj ET Q q 0 0 0 rg BT 237.75 140.50 Td (AR \(i.e., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 128.50 Td (total trading and total trading and credit portfolios ) Tj ET Q q 0 0 0 rg BT 238.54 128.50 Td (V) Tj ET Q q 0 0 0 rg BT 244.48 128.50 Td (ARs\) and, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 116.50 Td (as such, the model review and validation process for both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 104.50 Td (purposes is as described above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 92.50 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 100.75 92.50 Td (V) Tj ET Q q 0 0 0 rg BT 106.69 92.50 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 80.50 Td (Basel III, dif) Tj ET Q q 0 0 0 rg BT 86.63 80.50 Td (fers from Risk Management ) Tj ET Q q 0 0 0 rg BT 201.42 80.50 Td (V) Tj ET Q q 0 0 0 rg BT 207.36 80.50 Td (AR due to the fact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 68.50 Td (that certain positions included in Risk Management ) Tj ET Q q 0 0 0 rg BT 244.39 68.50 Td (V) Tj ET Q q 0 0 0 rg BT 250.32 68.50 Td (AR are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 56.50 Td (not eligible for market risk treatment in Regulatory ) Tj ET Q q 0 0 0 rg BT 242.98 56.50 Td (V) Tj ET Q q 0 0 0 rg BT 248.92 56.50 Td (AR. ) Tj ET Q q 0 0 0 rg BT 267.63 56.50 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 558.90 Td (composition of Risk Management ) Tj ET Q q 0 0 0 rg BT 462.13 558.90 Td (V) Tj ET Q q 0 0 0 rg BT 468.07 558.90 Td (AR is discussed under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 546.90 Td (V) Tj ET Q q 0 0 0 rg BT 334.55 546.90 Td (alue at Risk above. ) Tj ET Q q 0 0 0 rg BT 417.40 546.90 Td (The applicability of the ) Tj ET Q q 0 0 0 rg BT 513.30 546.90 Td (V) Tj ET Q q 0 0 0 rg BT 519.23 546.90 Td (AR model for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 534.90 Td (positions eligible for market risk treatment under U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 522.90 Td (regulatory capital rules is periodically reviewed and approved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 510.90 Td (by Citi) Tj ET Q q 0 0 0 rg BT 354.28 510.90 Td (s U.S. banking regulators.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 498.90 Td (In accordance with Basel III, Regulatory ) Tj ET Q q 0 0 0 rg BT 507.03 498.90 Td (V) Tj ET Q q 0 0 0 rg BT 512.96 498.90 Td (AR includes all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 486.90 Td (trading book-covered positions and all foreign exchange and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 474.90 Td (commodity exposures. Pursuant to Basel III, Regulatory ) Tj ET Q q 0 0 0 rg BT 551.28 474.90 Td (V) Tj ET Q q 0 0 0 rg BT 557.21 474.90 Td (AR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 462.90 Td (excludes positions that fail to meet the intent and ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 450.90 Td (trade requirements and are therefore classified as non-trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 438.90 Td (book and categories of exposures that are specifically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 426.90 Td (excluded as covered positions. Regulatory ) Tj ET Q q 0 0 0 rg BT 495.44 426.90 Td (V) Tj ET Q q 0 0 0 rg BT 501.37 426.90 Td (AR excludes CV) Tj ET Q q 0 0 0 rg BT 567.85 426.90 Td (A) Tj ET Q q 0 0 0 rg BT 574.52 426.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 414.90 Td (on derivative instruments and DV) Tj ET Q q 0 0 0 rg BT 458.24 414.90 Td (A) Tj ET Q q 0 0 0 rg BT 464.91 414.90 Td ( on Citi) Tj ET Q q 0 0 0 rg BT 497.69 414.90 Td (s own fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 402.90 Td (option liabilities. CV) Tj ET Q q 0 0 0 rg BT 406.88 402.90 Td (A) Tj ET Q q 0 0 0 rg BT 413.55 402.90 Td ( hedges are excluded from Regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 390.90 Td (V) Tj ET Q q 0 0 0 rg BT 329.93 390.90 Td (AR and included in credit risk-weighted assets as computed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 378.90 Td (under the ) Tj ET Q q 0 0 0 rg BT 363.43 378.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 405.92 378.90 Td (Approaches for determining risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 366.90 Td (weighted assets.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 342.90 Td (Regulatory V) Tj ET Q q 0 0 0 rg BT 376.30 342.90 Td (AR Back-T) Tj ET Q q 0 0 0 rg BT 418.98 342.90 Td (esting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 330.90 Td (In accordance with Basel III, Citi is required to perform back-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 318.90 Td (testing to evaluate the ef) Tj ET Q q 0 0 0 rg BT 421.56 318.90 Td (fectiveness of its Regulatory ) Tj ET Q q 0 0 0 rg BT 538.01 318.90 Td (V) Tj ET Q q 0 0 0 rg BT 543.95 318.90 Td (AR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 306.90 Td (model. Regulatory ) Tj ET Q q 0 0 0 rg BT 400.75 306.90 Td (V) Tj ET Q q 0 0 0 rg BT 406.68 306.90 Td (AR back-testing is the process in which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 294.90 Td (the daily one-day ) Tj ET Q q 0 0 0 rg BT 395.74 294.90 Td (V) Tj ET Q q 0 0 0 rg BT 401.67 294.90 Td (AR, at a 99% confidence interval, is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 282.90 Td (compared to the buy-and-hold profit and loss \(i.e., the profit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 270.90 Td (and loss impact if the portfolio is held constant at the end of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 258.90 Td (the day and re-priced the following day\). Buy-and-hold profit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 246.90 Td (and loss represents the daily mark-to-market profit and loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 234.90 Td (attributable to price movements in covered positions from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 222.90 Td (close of the previous business day) Tj ET Q q 0 0 0 rg BT 459.71 222.90 Td (. Buy-and-hold profit and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 210.90 Td (loss excludes realized trading revenue, net interest, fees and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 198.90 Td (commissions, intra-day trading profit and loss and changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 186.90 Td (reserves.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 174.90 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 324.00 162.90 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 324.00 150.90 Td (exceeded the Regulatory ) Tj ET Q q 0 0 0 rg BT 425.16 150.90 Td (V) Tj ET Q q 0 0 0 rg BT 431.09 150.90 Td (AR. Given the conservative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 138.90 Td (calibration of Citi) Tj ET Q q 0 0 0 rg BT 397.87 138.90 Td (s ) Tj ET Q q 0 0 0 rg BT 404.08 138.90 Td (V) Tj ET Q q 0 0 0 rg BT 410.02 138.90 Td (AR model \(as a result of taking the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 126.90 Td (greater of short- and long-term volatilities and fat-tail scaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 114.90 Td (of volatilities\), Citi would expect fewer exceptions under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 102.90 Td (normal and stable market conditions. Periods of unstable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 90.90 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 324.00 78.90 Td (exceptions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 66.90 Td (The following graph shows the daily buy-and-hold profit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 54.90 Td (and loss associated with Citi) Tj ET Q q 0 0 0 rg BT 440.66 54.90 Td (s covered positions compared to ) 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 (104) 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 one-day Regulatory ) Tj ET Q q 0 0 0 rg BT 141.63 749.10 Td (V) Tj ET Q q 0 0 0 rg BT 147.57 749.10 Td (AR during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.57 749.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.57 749.10 Td (. ) Tj ET Q q 0 0 0 rg BT 217.02 749.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (December31, 2018, there was one back-testing exception ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (observed for Citi) Tj ET Q q 0 0 0 rg BT 106.54 725.10 Td (s Regulatory ) Tj ET Q q 0 0 0 rg BT 159.69 725.10 Td (V) Tj ET Q q 0 0 0 rg BT 165.62 725.10 Td (AR for the prior 12 months, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (due to market moves triggered by political events in Italy) Tj ET Q q 0 0 0 rg BT 264.45 713.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (The dif) Tj ET Q q 0 0 0 rg BT 370.97 749.10 Td (ference between the 49.8% of days with buy-and-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (hold gains for Regulatory ) Tj ET Q q 0 0 0 rg BT 428.80 737.10 Td (V) Tj ET Q q 0 0 0 rg BT 434.73 737.10 Td (AR back-testing and the 98.1% of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 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 324.00 713.10 Td (with Citi) Tj ET Q q 0 0 0 rg BT 362.06 713.10 Td (s trading businesses, shown in the histogram of daily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (trading-related revenue below) Tj ET Q q 0 0 0 rg BT 443.29 701.10 Td (, reflects, among other things, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (that a significant portion of Citi) Tj ET Q q 0 0 0 rg BT 453.15 689.10 Td (s trading-related revenue is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (not generated from daily price movements on these positions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (and exposures, as well as dif) Tj ET Q q 0 0 0 rg BT 438.23 665.10 Td (ferences in the portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (composition of Regulatory ) Tj ET Q q 0 0 0 rg BT 433.53 653.10 Td (V) Tj ET Q q 0 0 0 rg BT 439.46 653.10 Td (AR and Risk Management ) Tj ET Q q 0 0 0 rg BT 548.15 653.10 Td (V) Tj ET Q q 0 0 0 rg BT 554.08 653.10 Td (AR.) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 630.6 m 576.5 630.6 l s BT /F6 10.00 Tf ET q 0 0 0 rg BT 39.00 620.32 Td (Regulatory T) Tj ET Q q 0 0 0 rg BT 99.57 620.32 Td (rading V) Tj ET Q q 0 0 0 rg BT 138.83 620.32 Td (AR and ) Tj ET Q q 0 0 0 rg BT 176.24 620.32 Td (Associated Buy-and-Hold Profit and Loss) Tj ET Q BT /F6 10.00 Tf ET BT /F6 6.50 Tf ET q 0 0 0 rg BT 373.48 625.09 Td (\(1\)) Tj ET Q BT /F6 10.00 Tf ET q 0 0 0 rg BT 381.42 620.32 Td (12 Months ended December 31, 2018) Tj ET Q BT /F7 8.00 Tf ET q 0 0 0 rg BT 39.00 611.78 Td (In millions of dollars) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 540.00 0 0 258.45 36.00 344.64 cm /I43 Do Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 335.05 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 335.05 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 54.00 325.45 Td (trading position from the close of the previous business day) Tj ET Q q 0 0 0 rg BT 244.34 325.45 Td (. Buy-and-hold profit and loss excludes realized trading revenue and net interest intra-day trading ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 315.85 Td (profit and loss on new and terminated trades, as well as changes in reserves. ) Tj ET Q q 0 0 0 rg BT 299.11 315.85 Td (Therefore, it is not comparable to the trading-related revenue presented in the chart of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 306.25 Td (daily trading-related revenue above.) 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 (105) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Str) Tj ET Q q 0 0 0 rg BT 49.15 749.25 Td (ess ) Tj ET Q q 0 0 0 rg BT 63.69 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 69.44 749.25 Td (esting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Citi performs market risk stress testing on a regular basis to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (estimate the impact of extreme market movements. It is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (performed on individual positions and trading portfolios, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (well as in aggregate, inclusive of multiple trading portfolios. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 689.25 Td (s market risk management, after consultations with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (businesses, develops both systemic and specific stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (scenarios, reviews the output of periodic stress testing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 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 36.00 641.25 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 36.00 629.25 Td (complementary approaches to market risk stress testing across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (all major risk factors \(i.e., equity) Tj ET Q q 0 0 0 rg BT 166.42 617.25 Td (, foreign exchange, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (commodity) Tj ET Q q 0 0 0 rg BT 80.90 605.25 Td (, interest rate and credit spreads\): top-down ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (systemic stresses and bottom-up business-specific stresses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (Systemic stresses are designed to quantify the potential impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (of extreme market movements on an institution-wide basis, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (and are constructed using both historical periods of market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (stress and projections of adverse economic scenarios. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 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 36.00 521.25 Td (particular portfolios and market segments, especially those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (risks that are not fully captured in ) Tj ET Q q 0 0 0 rg BT 173.28 509.25 Td (V) Tj ET Q q 0 0 0 rg BT 179.21 509.25 Td (AR and systemic stresses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 497.25 Td (The systemic stress scenarios and business-specific stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (scenarios at Citi are used in several reports reviewed by senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (management and also to calculate internal risk capital for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (trading market risk. In general, changes in market values are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (defined over a one-year horizon. For the most liquid positions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (and market factors, changes in market values are defined over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (a shorter two-month horizon. ) Tj ET Q q 0 0 0 rg BT 154.96 425.25 Td (The limited set of positions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (market factors whose market value changes are defined over a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (two-month horizon are those that in management) Tj ET Q q 0 0 0 rg BT 235.39 401.25 Td (s judgment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (have historically remained very liquid during financial crises, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (even as the trading liquidity of most other positions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (market factors materially declined.) 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 (106) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (OPERA) Tj ET Q q 0 0 0 rg BT 70.26 749.25 Td (TIONAL) Tj ET Q q 0 0 0 rg BT 109.16 749.25 Td ( RISK) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 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 36.00 701.25 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 36.00 689.25 Td (external events. It includes risk of failing to comply with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (applicable laws and regulations, but excludes strategic risk. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (Operational risk includes the reputation and franchise risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 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 36.00 641.25 Td (Citi is involved, as well as compliance, conduct and legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (risks.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 617.25 Td (Operational risk is inherent in Citi) Tj ET Q q 0 0 0 rg BT 193.70 617.25 Td (s global business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (activities, as well as related support functions, and can result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (in losses arising from events associated with the following, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (among others:) 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 (fraud, theft and unauthorized activity;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 551.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 551.25 Td (employment practices and workplace environment;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 539.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 539.25 Td (clients, products and business practices;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 527.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 527.25 Td (physical assets and infrastructure; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 515.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 515.25 Td (execution, delivery and process management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 491.25 Td (Citi manages operational risk consistent with the overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 479.25 Td (framework described in Managing Global RiskOverview ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 467.25 Td (above. ) Tj ET Q q 0 0 0 rg BT 64.70 467.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 124.41 467.25 Td (s goal is to keep operational risk at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 455.25 Td (appropriate levels relative to the characteristics of Citi) Tj ET Q q 0 0 0 rg BT 255.63 455.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 443.25 Td (businesses, the markets in which it operates, its capital and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 431.25 Td (liquidity and the competitive, economic and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 419.25 Td (environment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 407.25 Td (T) Tj ET Q q 0 0 0 rg BT 59.41 407.25 Td (o anticipate, mitigate and control operational risk, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 395.25 Td (has established policies and a global framework for assessing, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 383.25 Td (monitoring and communicating operational risks and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 371.25 Td (overall operating ef) Tj ET Q q 0 0 0 rg BT 114.12 371.25 Td (fectiveness of the internal control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 359.25 Td (environment across Citigroup. ) Tj ET Q q 0 0 0 rg BT 159.32 359.25 Td (As part of this framework, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 347.25 Td (has defined its operational risk appetite and has established a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 335.25 Td (manager) Tj ET Q q 0 0 0 rg BT 70.79 335.25 Td () Tj ET Q q 0 0 0 rg BT 73.57 335.25 Td (s control assessment \(MCA\) process \(a process ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 323.25 Td (through which managers at Citi identify) Tj ET Q q 0 0 0 rg BT 195.04 323.25 Td (, monitor) Tj ET Q q 0 0 0 rg BT 231.30 323.25 Td (, measure, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 311.25 Td (report on and manage risks and the related controls\) to help ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 299.25 Td (managers self-assess significant operational risks and key ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 287.25 Td (controls and identify and address weaknesses in the design ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 275.25 Td (and/or operating ef) Tj ET Q q 0 0 0 rg BT 111.90 275.25 Td (fectiveness of internal controls that mitigate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 263.25 Td (significant operational risks.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 251.25 Td (Each major business segment must implement an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 239.25 Td (operational risk process consistent with the requirements of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 227.25 Td (this framework. ) Tj ET Q q 0 0 0 rg BT 101.63 227.25 Td (The process for operational risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 215.25 Td (includes the following steps:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 197.25 Td (identify and assess key operational risks;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 185.25 Td (design controls to mitigate identified risks;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 173.25 Td (establish key risk indicators;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 161.25 Td (implement a process for early problem recognition and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 149.25 Td (timely escalation;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 137.25 Td (produce comprehensive operational risk reporting; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 125.25 Td (ensure that suf) Tj ET Q q 0 0 0 rg BT 112.13 125.25 Td (ficient resources are available to actively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 113.25 Td (improve the operational risk environment and mitigate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 101.25 Td (emer) Tj ET Q q 0 0 0 rg BT 73.80 101.25 Td (ging risks.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 77.25 Td (As new products and business activities are developed, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (processes are designed, modified or sourced through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.25 Td (alternative means and operational risks are considered.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (An Operational Risk Management Committee has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (established to provide oversight for operational risk across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (Citigroup and to provide a forum to assess Citi) Tj ET Q q 0 0 0 rg BT 513.98 725.10 Td (s operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (risk profile and ensure actions are taken so that Citi) Tj ET Q q 0 0 0 rg BT 532.55 713.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (operational risk exposure is actively managed consistent with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 689.10 Td (s risk appetite. ) Tj ET Q q 0 0 0 rg BT 402.14 689.10 Td (The Committee seeks to ensure that these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (actions address the root causes that persistently lead to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (operational risk losses and create lasting solutions to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (minimize these losses. Members include Citi) Tj ET Q q 0 0 0 rg BT 506.19 653.10 Td (s Chief Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (Of) Tj ET Q q 0 0 0 rg BT 334.37 641.10 Td (ficer and Citi) Tj ET Q q 0 0 0 rg BT 389.91 641.10 Td (s Head of Operational Risk and senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (members of their or) Tj ET Q q 0 0 0 rg BT 402.96 629.10 Td (ganizations. ) Tj ET Q q 0 0 0 rg BT 453.32 629.10 Td (These members cover ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (multiple dimensions of risk management and include business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (and regional Chief Risk Of) Tj ET Q q 0 0 0 rg BT 432.13 605.10 Td (ficers and senior operational risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (managers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 581.10 Td (In addition, risk management, including Operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (Risk Management, works proactively with the businesses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (and other independent control functions to embed a strong ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (operational risk management culture and framework across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (Citi. Operational Risk Management engages with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (businesses to ensure ef) Tj ET Q q 0 0 0 rg BT 415.19 521.10 Td (fective implementation of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (Operational Risk Management framework by focusing on \(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (identification, analysis and assessment of operational risks, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (\(ii\) ef) Tj ET Q q 0 0 0 rg BT 346.30 485.10 Td (fective challenge of key control issues and operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (risks and \(iii\) anticipation and mitigation of operational risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (events.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 449.10 Td (Information about the businesses) Tj ET Q q 0 0 0 rg BT 476.51 449.10 Td ( operational risk, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (historical operational risk losses and the control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (environment is reported by each major business segment and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (functional area. ) Tj ET Q q 0 0 0 rg BT 388.51 413.10 Td (The information is summarized and reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (to senior management, as well as to the ) Tj ET Q q 0 0 0 rg BT 483.13 401.10 Td (Audit Committee of ) 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 Board of Directors.) 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Internal audit serves as the third line ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (of defense and independently provides assurance on how ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 497.10 Td (fectively the or) Tj ET Q q 0 0 0 rg BT 103.93 497.10 Td (ganization as a whole manages cybersecurity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (risk. Citi) Tj ET Q q 0 0 0 rg BT 73.78 485.10 Td (s Information Security Risk Operating Committee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (\(ISROC\) has overall responsibility for information security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (across Citi, and facilitates communication, discussion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (escalation and management of cyber risks across these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (functions.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 713.10 Td (Independently testing and monitoring that Citi is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 701.10 Td (operating within the Compliance Risk ) Tj ET Q q 0 0 0 rg BT 208.15 701.10 Td (Appetite. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 689.10 Td (Identifying instances of non-conformance with Laws, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 677.10 Td (regulations, rules and breaches of internal policies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 665.10 Td (Escalating through the appropriate channels, which may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 653.10 Td (include governance forums, the results of monitoring, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 641.10 Td (testing, reporting or other oversight activities that may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 629.10 Td (represent a violation of law) Tj ET Q q 0 0 0 rg BT 162.75 629.10 Td (, regulation, policy or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 617.10 Td (significant compliance risk and take reasonable action to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 605.10 Td (see that the matter is appropriately identified, tracked and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 593.10 Td (resolved, including through the issuance of corrective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 581.10 Td (action plans against the first line of defense.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (REPUT) Tj ET Q q 0 0 0 rg BT 69.15 557.10 Td (A) Tj ET Q q 0 0 0 rg BT 75.63 557.10 Td (TIONAL) Tj ET Q q 0 0 0 rg BT 114.53 557.10 Td ( RISK) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 545.10 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 36.00 533.10 Td (stakeholders and Citi is diligent in communicating its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (corporate values to its employees, customers and investors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.41 509.10 Td (o support this, Citi has defined a reputational risk appetite ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (approach.Under this approach, each major business segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (has implemented a risk appetite statement and related key ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (indicators to monitor and address weaknesses that may result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (in significant reputational risks. ) Tj ET Q q 0 0 0 rg BT 164.96 461.10 Td (The approach requires that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (each business segment or region escalate significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (reputational risks that require review or mitigation through its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (business practice committee or equivalent.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 413.10 Td (The business practices committees are part of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (governance infrastructure that Citi has in place to properly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (review business activities, sales practices, product design, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 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 36.00 365.10 Td (reputational risks.) Tj ET Q q 0 0 0 rg BT 109.97 365.10 Td (These committees may also raise potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (franchise, reputational or systemic risks for due consideration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (by the business practices committee at the corporate level.) Tj ET Q q 0 0 0 rg BT 270.92 341.10 Td (All ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (of these committees, which are composed of Citi) Tj ET Q q 0 0 0 rg BT 234.28 329.10 Td (s most senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (executives, provide the guidance necessary for Citi) Tj ET Q q 0 0 0 rg BT 242.87 317.10 Td (s business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (practices to meet the highest standards of professionalism, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (integrity and ethical behavior consistent with Citi) Tj ET Q q 0 0 0 rg BT 236.51 293.10 Td (s mission ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (and value proposition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 269.10 Td (Further) Tj ET Q q 0 0 0 rg BT 83.04 269.10 Td (, the responsibility for maintaining Citi) Tj ET Q q 0 0 0 rg BT 241.91 269.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (reputation is shared by all employees, who are guided by Citi) Tj ET Q q 0 0 0 rg BT 284.00 257.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (code of conduct.Employees are expected to exercise sound ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (judgment and common sense in decision and action. ) Tj ET Q q 0 0 0 rg BT 247.16 233.10 Td (They are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (also expected to promptly and appropriately escalate all issues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (that present potential franchise, reputational and/or systemic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (risk. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (STRA) Tj ET Q q 0 0 0 rg BT 61.93 173.10 Td (TEGIC RISK) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (Citi senior management, led by Citi) Tj ET Q q 0 0 0 rg BT 181.53 137.10 Td (s CEO, is responsible for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (the development and execution of the strategy of 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 (. Significant strategic actions are reviewed and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (approved by) Tj ET Q q 0 0 0 rg BT 85.06 101.10 Td (, or notified to, the Citigroup and Citibank Boards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (of Directors, as appropriate.) Tj ET Q q 0 0 0 rg BT 150.22 89.10 Td (The Citigroup Board of Directors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (holds an annual strategic meeting and annual regional strategic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (meetings, and receives business presentations at its regular ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (meetings, in order to monitor management) Tj ET Q q 0 0 0 rg BT 209.29 53.10 Td (s execution of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 749.10 Td (s strategy) Tj ET Q q 0 0 0 rg BT 379.18 749.10 Td (. ) Tj ET Q q 0 0 0 rg BT 383.63 749.10 Td (At the business level, business heads are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (accountable for the interpretation and execution of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (Company-wide strategy) Tj ET Q q 0 0 0 rg BT 419.16 725.10 Td (, as it applies to their area, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (decisions on new business and product entries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 701.10 Td (The management of strategic risk rests upon the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (foundational elements that include an annual financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (operating plan encompassing all businesses, products and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (geographies and defined financial and operating tar) Tj ET Q q 0 0 0 rg BT 529.29 665.10 Td (gets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (derived from the operating plan, which can be monitored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (throughout the year in order to assess strategic and operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (performance.Strategic risk is monitored through various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (mechanisms, including regular updates to senior management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (and the Board of Directors on performance against the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (operating plan, quarterly business reviews between the Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (CEO and business and regional CEOs in which the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (performance and risks of each major business and region are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (discussed, ongoing reporting to senior management and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (executive management scorecards.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (Potential Exit of U.K. fr) Tj ET Q q 0 0 0 rg BT 426.02 521.10 Td (om EU) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (As a result of a 2016 U.K. referendum, Citi has reor) Tj ET Q q 0 0 0 rg BT 531.82 509.10 Td (ganized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (certain U.K. and EU operations and implemented contingency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (plans to address the U.K.) Tj ET Q q 0 0 0 rg BT 427.32 485.10 Td (s potential exit from the EU, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (regardless of outcome. In addition, Citi has established a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (formal program with senior level sponsorship and governance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (to deliver a coordinated response to the U.K.) Tj ET Q q 0 0 0 rg BT 505.89 449.10 Td (s potential exit. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 437.10 Td (Until negotiations are finalized and an agreement is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (ratified, Citi continues to plan for a hard exit scenario as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (March 29, 2019. Citi) Tj ET Q q 0 0 0 rg BT 410.38 413.10 Td (s strategy focuses on providing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (continuity of services to its EU and U.K. clients with minimal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (disruption. Consequently) Tj ET Q q 0 0 0 rg BT 423.90 389.10 Td (, Citi has been migrating certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (business activities to alternative legal entities and branches ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (with appropriate regulatory permissions to carry out such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (activity and establishing required capabilities in the EU and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (U.K. Citi) Tj ET Q q 0 0 0 rg BT 363.73 341.10 Td (s plans for a U.K. exit from the EU are well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (progressed for implementation and primarily cover:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 311.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 311.10 Td (enhancement of Citi) Tj ET Q q 0 0 0 rg BT 425.86 311.10 Td (s European bank in Ireland supported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 299.10 Td (by its substantial European branch network to ensure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 287.10 Td (business continuity for its EU clients;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 275.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 275.10 Td (conversion of Citi) Tj ET Q q 0 0 0 rg BT 416.99 275.10 Td (s banking subsidiary in Germany into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 263.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 263.10 Td (s EU investment firm to support broker) Tj ET Q q 0 0 0 rg BT 516.78 263.10 Td (-dealer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 251.10 Td (activities with EU clients;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 239.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 239.10 Td (establishment of a new U.K. consumer bank to focus on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 227.10 Td (servicing consumer business clients in the U.K.; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 215.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 215.10 Td (amendments to existing U.K. legal entities or branches, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 203.10 Td (where required, to ensure continuity of services to U.K. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 191.10 Td (and non-EU clients. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 167.10 Td (Citi continues to work closely with clients, regulators and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 155.10 Td (other relevant stakeholders in execution of its plans to prepare ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 143.10 Td (for the U.K.) Tj ET Q q 0 0 0 rg BT 375.10 143.10 Td (s potential exit from the EU. In addition, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 131.10 Td (continues to monitor macroeconomic scenarios and market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 119.10 Td (events and has been undertaking stress testing to assess ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 107.10 Td (potential impacts on its businesses. For additional information, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 95.10 Td (see Risk FactorsStrategic Risk above. ) 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 33.60 Td (109) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 70.55 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 76.48 749.25 Td (ransition Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Citi recognizes that discontinuance of LIBOR, or any other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (IBOR-based rate, presents significant risks and challenges that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (could have an impact on its businesses globally \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (information about the risks to Citi from discontinuation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (LIBOR or any other benchmark, see Risk FactorsStrategic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (Risk above\). ) Tj ET Q q 0 0 0 rg BT 92.93 677.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 142.27 677.25 Td (, in 2018, Citi established a LIBOR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (governance and implementation program that includes senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (management involvement. Citi) Tj ET Q q 0 0 0 rg BT 162.36 653.25 Td (s ) Tj ET Q q 0 0 0 rg BT 168.20 653.25 Td (Asset and Liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (Committee oversees the program, and includes reporting to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (Citigroup Board of Directors. ) Tj ET Q q 0 0 0 rg BT 156.63 629.25 Td (The program operates globally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (across Citi) Tj ET Q q 0 0 0 rg BT 81.27 617.25 Td (s businesses and functions. In addition, Citi has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (developed an initial set of LIBOR transition action plans and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (associated roadmap under nine key workstreams: transition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (strategy and risk management; customer management; internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (communications and training; financial exposures and risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (management; regulatory and industry engagement; operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (and technology; finance, tax and treasury; legal and contract ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (management; and product management. Citi has also been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (participating in a number of working groups formed by global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (regulators, including the ) Tj ET Q q 0 0 0 rg BT 135.42 509.25 Td (Alternative Reference Rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (Committee convened by the Federal Reserve Board. ) Tj ET Q q 0 0 0 rg BT 247.42 497.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (working groups have been established to promote and advance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (development of alternative reference rates and to identify and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (address potential challenges from any transition to such rates. ) 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 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Country Risk) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.75 725.25 Td (op 25 Country Exposur) Tj ET Q q 0 0 0 rg BT 141.87 725.25 Td (es ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (The following table presents Citi) Tj ET Q q 0 0 0 rg BT 170.42 713.25 Td (s top 25 exposures by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (country \(excluding the U.S.\) as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.88 701.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.88 701.25 Td (. ) Tj ET Q q 0 0 0 rg BT 257.70 701.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (total exposure as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.12 689.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.12 689.25 Td ( to the top 25 countries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (disclosed below) Tj ET Q q 0 0 0 rg BT 99.51 677.25 Td (, in combination with the U.S., would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (represent approximately 96% of Citi) Tj ET Q q 0 0 0 rg BT 184.85 665.25 Td (s exposure to all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (countries. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 641.25 Td (For purposes of the table, loan amounts are reflected in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (the country where the loan is booked, which is generally based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (on the domicile of the borrower) Tj ET Q q 0 0 0 rg BT 162.35 617.25 Td (. For example, a loan to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (Chinese subsidiary of a Switzerland-based corporation will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (generally be categorized as a loan in China. In addition, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (has developed regional booking centers in certain countries, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (most significantly in the United Kingdom \(U.K.\) and Ireland, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (in order to more ef) Tj ET Q q 0 0 0 rg BT 398.79 737.10 Td (ficiently serve its corporate customers. ) Tj ET Q q 0 0 0 rg BT 555.41 737.10 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (an example, with respect to the U.K., only 27% of corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (loans presented in the table below are to U.K. domiciled) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (entities \(27% for unfunded commitments\), with the balance of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (the loans predominately to European domiciled counterparties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (Approximately 83% of the total U.K. funded loans and 91% of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (the total U.K. unfunded commitments were investment grade) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.24 653.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.24 653.10 Td (. ) Tj ET Q q 0 0 0 rg BT 429.06 653.10 Td (T) Tj ET Q q 0 0 0 rg BT 434.82 653.10 Td (rading account assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (investment securities are generally categorized based on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (domicile of the issuer of the security of the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (reference entity) Tj ET Q q 0 0 0 rg BT 385.81 617.10 Td (. For additional information on the assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (included in the table, see the footnotes to the table below) Tj ET Q q 0 0 0 rg BT 550.78 605.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td ( ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 515.75 57.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 515.75 33.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 126.50 515.75 33.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.50 515.75 37.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 515.75 47.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 515.75 45.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 515.75 37.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 515.75 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 515.75 40.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 515.75 40.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 515.75 40.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 515.75 40.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 515.75 40.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 478.75 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 478.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 126.50 478.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.50 478.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 478.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 478.75 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 478.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 478.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 478.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 478.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 478.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 478.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 478.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 448.75 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 448.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 126.50 448.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.50 448.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 448.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 448.75 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 448.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 448.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 448.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 448.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 448.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 448.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 448.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 418.75 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 418.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 126.50 418.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.50 418.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 418.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 418.75 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 418.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 418.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 418.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 418.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 418.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 418.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 418.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 388.75 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 388.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 126.50 388.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.50 388.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 388.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 388.75 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 388.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 388.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 388.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 388.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 388.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 388.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 388.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 358.75 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 358.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 126.50 358.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.50 358.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 358.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 358.75 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 358.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 358.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 358.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 358.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 358.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 358.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 358.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 328.75 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 328.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 126.50 328.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.50 328.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 328.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 328.75 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 328.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 328.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 328.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 328.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 328.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 328.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 328.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 298.75 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 298.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 126.50 298.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.50 298.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 298.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 298.75 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 298.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 298.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 298.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 298.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 298.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 298.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 298.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 268.75 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 268.75 33.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 126.50 268.75 33.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.50 268.75 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 268.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 268.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 268.75 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 268.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 268.75 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 268.75 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 268.75 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 268.75 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 268.75 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 233.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 233.75 33.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 126.50 233.75 33.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.50 233.75 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 233.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 233.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 233.75 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 233.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 233.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 233.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 233.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 233.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 233.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 204.75 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 204.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 126.50 204.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.50 204.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 204.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 204.75 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 204.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 204.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 204.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 204.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 204.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 204.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 204.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 174.75 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 174.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 126.50 174.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.50 174.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 174.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 174.75 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 174.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 174.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 174.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 174.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 174.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 174.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 174.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 144.75 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 144.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 126.50 144.75 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.50 144.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 144.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 144.75 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 144.75 37.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 144.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 144.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 144.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 144.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 144.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 144.75 40.00 -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 36.5 515.75 m 93.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 93.5 515.75 m 126.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 126.5 515.75 m 159.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 159.5 515.75 m 196.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 515.75 m 243.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 243.5 515.75 m 288.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 515.75 m 325.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 515.75 m 374.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 515.75 m 414.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 515.75 m 454.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 515.75 m 494.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 515.75 m 534.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 515.75 m 574.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 515.75 m 414.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 515.75 m 454.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 515.75 m 494.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 515.75 m 534.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 493.75 m 414.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 493.75 m 454.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 493.75 m 494.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 493.75 m 534.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 478.75 m 414.5 463.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 478.75 m 454.5 463.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 478.75 m 494.5 463.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 478.75 m 534.5 463.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 463.75 m 414.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 463.75 m 454.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 463.75 m 494.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 463.75 m 534.5 448.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 448.75 m 414.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 448.75 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 494.5 448.75 m 494.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 448.75 m 534.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 433.75 m 414.5 418.75 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 454.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 433.75 m 494.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 433.75 m 534.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 418.75 m 414.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 418.75 m 454.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 418.75 m 494.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 418.75 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 414.5 403.75 m 414.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 403.75 m 454.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 403.75 m 494.5 388.75 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 534.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 388.75 m 414.5 373.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 388.75 m 454.5 373.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 388.75 m 494.5 373.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 388.75 m 534.5 373.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 373.75 m 414.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 373.75 m 454.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 373.75 m 494.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 373.75 m 534.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 358.75 m 414.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 358.75 m 454.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 358.75 m 494.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 358.75 m 534.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 343.75 m 414.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 343.75 m 454.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 343.75 m 494.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 343.75 m 534.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 328.75 m 414.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 328.75 m 454.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 328.75 m 494.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 328.75 m 534.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 313.75 m 414.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 313.75 m 454.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 313.75 m 494.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 313.75 m 534.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 298.75 m 414.5 283.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 298.75 m 454.5 283.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 298.75 m 494.5 283.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 298.75 m 534.5 283.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 283.75 m 414.5 268.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 283.75 m 454.5 268.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 283.75 m 494.5 268.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 283.75 m 534.5 268.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 268.75 m 414.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 268.75 m 454.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 268.75 m 494.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 268.75 m 534.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 255.75 m 414.5 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 255.75 m 454.5 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 255.75 m 494.5 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 255.75 m 534.5 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 233.75 m 414.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 233.75 m 454.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 233.75 m 494.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 233.75 m 534.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 219.75 m 414.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 219.75 m 454.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 219.75 m 494.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 219.75 m 534.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 204.75 m 414.5 189.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 204.75 m 454.5 189.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 204.75 m 494.5 189.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 204.75 m 534.5 189.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 189.75 m 414.5 174.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 189.75 m 454.5 174.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 189.75 m 494.5 174.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 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/GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 129.75 m 243.5 129.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 243.5 129.75 m 288.5 129.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 129.75 m 325.5 129.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 129.75 m 374.5 129.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 129.75 m 414.5 129.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 144.75 m 414.5 129.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 129.75 m 454.5 129.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 144.75 m 454.5 129.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 129.75 m 494.5 129.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 144.75 m 494.5 129.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 129.75 m 534.5 129.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 144.75 m 534.5 129.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 129.75 m 574.5 129.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 129.75 m 494.5 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 114.75 m 534.5 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 129.75 m 534.5 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 574.5 129.75 m 574.5 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 114.75 m 574.5 114.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 528.00 Td (In billions of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 520.00 Td (U.S. dollars) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 101.90 527.98 Td (ICG ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 97.55 519.98 Td (loans) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 115.34 523.61 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 133.80 527.98 Td (GCB) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 133.60 519.98 Td (loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 167.35 527.98 Td (Other) Tj ET Q q 0 0 0 rg BT 187.64 527.98 Td ( ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 162.45 519.98 Td (funded) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 186.46 523.61 Td (\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 199.30 519.98 Td (Unfunded) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 233.54 523.61 Td (\(3\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.25 543.98 Td (Net MTM ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 261.25 535.98 Td (on ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 246.80 527.98 Td (derivatives) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.05 519.98 Td (/r) Tj ET Q q 0 0 0 rg BT 257.68 519.98 Td (epos) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 272.79 523.61 Td (\(4\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.75 550.83 Td (T) Tj ET Q q 0 0 0 rg BT 302.72 550.83 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 294.90 542.83 Td (hedges) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.05 534.83 Td (\(on loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.05 526.83 Td (and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 518.83 Td (CV) Tj ET Q q 0 0 0 rg BT 308.04 518.83 Td (A\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 330.35 527.98 Td (Investment ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 330.45 519.98 Td (securities) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 362.44 523.61 Td (\(5\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 380.25 535.98 Td (T) Tj ET Q q 0 0 0 rg BT 384.99 535.98 Td (rading ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 380.65 527.98 Td (account ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 381.15 519.98 Td (assets) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 400.70 523.61 Td (\(6\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 425.25 535.98 Td (T) Tj ET Q q 0 0 0 rg BT 429.85 535.98 Td (otal ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 426.10 527.98 Td (as of ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 424.85 519.98 Td (4Q18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 465.80 536.00 Td (T) Tj ET Q q 0 0 0 rg BT 470.13 536.00 Td (otal ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.30 528.00 Td (as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 465.10 520.00 Td (3Q18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.80 536.00 Td (T) Tj ET Q q 0 0 0 rg BT 510.13 536.00 Td (otal ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.30 528.00 Td (as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.10 520.00 Td (4Q17) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 537.65 543.98 Td (T) Tj ET Q q 0 0 0 rg BT 542.25 543.98 Td (otal as a) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 538.20 535.98 Td (% of Citi) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 546.10 527.98 Td (as of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 544.85 519.98 Td (4Q18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 507.01 Td (United) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 498.01 Td (Kingdom) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 96.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 107.25 498.21 Td (40.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 129.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 147.00 498.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 162.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 498.21 Td (4.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 199.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.25 498.21 Td (56.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 498.21 Td (12.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 498.21 Td (\(3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 498.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 498.21 Td (4.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.75 498.21 Td (\(3.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 498.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 498.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.75 498.20 Td (1) Tj ET Q q 0 0 0 rg BT 435.25 498.20 Td (1) Tj ET Q q 0 0 0 rg BT 439.75 498.20 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 498.21 Td (123.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 498.21 Td (1) Tj ET Q q 0 0 0 rg BT 515.25 498.21 Td (13.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 498.20 Td (6.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 565.00 498.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 483.21 Td (Mexico) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 483.21 Td (9.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.25 483.21 Td (25.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 483.21 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 483.21 Td (7.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 483.21 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 483.21 Td (\(0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 483.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 483.21 Td (12.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 483.21 Td (4.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 483.20 Td (59.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 483.21 Td (61.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 483.21 Td (58.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 483.20 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 468.21 Td (Hong Kong) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 107.25 468.21 Td (16.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.25 468.21 Td (12.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 468.21 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 468.21 Td (8.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 468.21 Td (2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 468.21 Td (\(0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 468.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 468.21 Td (7.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 468.21 Td (0.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 468.20 Td (48.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 468.21 Td (45.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 468.21 Td (42.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 468.20 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 453.21 Td (Singapore) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 107.25 453.21 Td (12.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.25 453.21 Td (12.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 453.21 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 453.21 Td (4.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 453.21 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 453.21 Td (\(0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 453.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 453.21 Td (7.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 453.21 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 453.20 Td (40.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 453.21 Td (41.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 453.21 Td (41.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 453.20 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 438.21 Td (Korea) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 438.21 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.25 438.21 Td (18.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 438.21 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 438.21 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 438.21 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 438.21 Td (\(0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 438.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 438.21 Td (8.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 438.21 Td (0.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 438.20 Td (33.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 438.21 Td (33.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 438.21 Td (35.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 438.20 Td (2.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 423.21 Td (Ireland) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 107.25 423.21 Td (13.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 147.00 423.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 423.21 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.25 423.21 Td (17.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 423.21 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 423.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 423.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 423.21 Td (0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 423.20 Td (33.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 423.21 Td (31.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 423.21 Td (31.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 423.20 Td (2.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 408.21 Td (India) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 408.21 Td (4.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.75 408.21 Td (7.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 408.21 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 408.21 Td (4.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 408.21 Td (2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 408.21 Td (\(0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 408.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 408.21 Td (9.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 408.21 Td (2.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 408.20 Td (30.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 408.21 Td (27.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 408.21 Td (30.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 408.20 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 393.21 Td (Brazil) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 107.25 393.21 Td (12.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 147.00 393.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 393.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 393.21 Td (2.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 393.21 Td (4.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 393.21 Td (\(1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 393.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 393.21 Td (3.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 393.21 Td (3.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 393.20 Td (26.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 393.21 Td (25.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 393.21 Td (24.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 393.20 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 378.21 Td (Australia) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 378.21 Td (5.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.75 378.21 Td (9.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 378.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 378.21 Td (6.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 378.21 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 378.21 Td (\(0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 378.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 378.21 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.75 378.21 Td (\(0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 378.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 378.20 Td (23.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 378.21 Td (24.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 378.21 Td (25.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 378.20 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 363.21 Td (China) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 363.21 Td (5.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.75 363.21 Td (4.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 363.21 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 363.21 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 363.21 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 363.21 Td (\(0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 363.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 363.21 Td (4.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 363.21 Td (0.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 363.20 Td (18.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 363.21 Td (18.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 363.21 Td (19.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 363.20 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 348.21 Td (Japan) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 348.21 Td (2.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 147.00 348.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 348.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 348.21 Td (2.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 348.21 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 348.21 Td (\(1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 348.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 348.21 Td (5.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 348.21 Td (4.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 348.20 Td (17.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 348.21 Td (18.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 348.21 Td (17.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 348.20 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 333.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 333.21 Td (aiwan) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 333.21 Td (4.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.75 333.21 Td (9.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 333.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 333.21 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 333.21 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 333.21 Td (\(0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 333.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 333.21 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 333.21 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 333.20 Td (17.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 333.21 Td (17.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 333.21 Td (17.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 333.20 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 318.21 Td (Germany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 318.21 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 147.00 318.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 318.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 318.21 Td (4.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 318.21 Td (3.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 318.21 Td (\(3.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 318.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 318.21 Td (8.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 318.21 Td (3.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 318.20 Td (17.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 318.21 Td (19.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 318.21 Td (19.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 318.20 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 303.21 Td (Canada) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 303.21 Td (2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.75 303.21 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 303.21 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 303.21 Td (6.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 303.21 Td (2.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 303.21 Td (\(0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 303.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 303.21 Td (3.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 303.21 Td (0.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 303.20 Td (16.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 303.21 Td (16.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 303.21 Td (16.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 303.20 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 288.21 Td (Poland) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 288.21 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.75 288.21 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 288.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 288.21 Td (3.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 288.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 288.21 Td (\(0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 288.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 288.21 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 288.21 Td (0.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 288.20 Td (13.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 288.21 Td (14.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 288.21 Td (14.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 288.20 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 273.21 Td (Jersey) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 273.21 Td (6.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 147.00 273.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 273.21 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 273.21 Td (3.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 273.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 273.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 273.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.00 273.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 273.20 Td (10.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 273.21 Td (10.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.75 273.21 Td (4.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 273.20 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 260.01 Td (Malaysia) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 260.01 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.75 260.01 Td (4.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 260.01 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 260.01 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 260.01 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 260.01 Td (\(0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 260.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 260.01 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 260.01 Td (0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 260.15 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 260.01 Td (9.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 260.01 Td (10.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 260.15 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 247.01 Td (United ) Tj ET Q q 0 0 0 rg BT 65.50 247.01 Td (Arab) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 238.01 Td (Emirates) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 238.21 Td (4.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.75 238.21 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 238.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 238.21 Td (3.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 238.21 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 238.21 Td (\(0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 238.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 238.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.00 238.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.75 238.20 Td (9.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 238.21 Td (9.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.75 238.21 Td (7.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 238.20 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 224.21 Td (Thailand) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 224.21 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.75 224.21 Td (2.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 224.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 224.21 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 224.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 224.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 224.21 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 224.21 Td (0.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.75 224.20 Td (7.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 224.21 Td (7.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.75 224.21 Td (7.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 224.20 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 209.21 Td (Indonesia) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 209.21 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.75 209.21 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 209.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 209.21 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 209.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 209.21 Td (\(0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 209.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 209.21 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 209.21 Td (0.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.75 209.20 Td (6.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 209.21 Td (5.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.75 209.21 Td (6.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 209.20 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 194.21 Td (Philippines) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 194.21 Td (0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.75 194.21 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.75 194.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 194.21 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 194.21 Td (0.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 194.21 Td (\(0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 194.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 194.21 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 194.21 Td (0.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.75 194.20 Td (5.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 194.21 Td (4.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.75 194.21 Td (3.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 194.20 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 179.21 Td (Luxembour) Tj ET Q q 0 0 0 rg BT 80.91 179.21 Td (g) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 179.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 147.00 179.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 179.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.00 179.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 179.21 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 179.21 Td (\(0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 179.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 179.21 Td (4.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 179.21 Td (0.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.75 179.20 Td (4.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 179.21 Td (5.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.75 179.21 Td (5.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 179.20 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 164.21 Td (Russia) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 164.21 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.75 164.21 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 164.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 164.21 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 164.21 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 164.21 Td (\(0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 164.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 164.21 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.75 164.21 Td (\(0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 164.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.75 164.20 Td (4.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 164.21 Td (4.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.75 164.21 Td (6.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 164.20 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 149.21 Td (South ) Tj ET Q q 0 0 0 rg BT 62.01 149.21 Td (Africa) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 149.21 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 147.00 149.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 149.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 149.21 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 149.21 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 149.21 Td (\(0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 149.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 149.21 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 149.21 Td (0.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.75 149.20 Td (4.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 149.21 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.75 149.21 Td (4.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 149.20 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 134.21 Td (Italy) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.75 134.21 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 147.00 134.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 134.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 134.21 Td (2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 134.21 Td (4.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 134.21 Td (\(4.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 134.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 134.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 134.21 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.75 134.20 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 134.21 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.75 134.21 Td (3.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 134.20 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.60 119.21 Td (T) Tj ET Q q 0 0 0 rg BT 517.47 119.21 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.25 119.20 Td (35.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 565.00 119.20 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 96.05 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 96.05 Td (ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.78 96.05 Td ( loans reflect funded corporate loans and private bank loans, net of unearned income. ) Tj ET Q q 0 0 0 rg BT 341.45 96.05 Td (As of December 31, 2018, private bank loans in the table above totaled ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 86.45 Td ($24.6 billion, concentrated in Hong Kong \($7.3 billion\), Singapore \($6.4 billion\) and the U.K. \($5.9 billion\). ) Tj ET Q q 0 0 0 rg BT 432.00 86.45 Td ( ) Tj ET Q q 0 0 0 rg BT 468.00 86.45 Td ( ) Tj ET Q q 0 0 0 rg BT 504.00 86.45 Td ( ) Tj ET Q q 0 0 0 rg BT 540.00 86.45 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 76.85 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 76.85 Td (Other funded includes other direct exposure such as accounts receivable, loans HFS, other loans in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 371.91 76.85 Td (Corporate/Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.13 76.85 Td ( and investments accounted for under the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 67.25 Td (equity method. ) Tj ET Q q 0 0 0 rg BT 108.00 67.25 Td ( ) Tj ET Q q 0 0 0 rg BT 144.00 67.25 Td ( ) Tj ET Q q 0 0 0 rg BT 180.00 67.25 Td ( ) Tj ET Q q 0 0 0 rg BT 216.00 67.25 Td ( ) Tj ET Q q 0 0 0 rg BT 252.00 67.25 Td ( ) Tj ET Q q 0 0 0 rg BT 288.00 67.25 Td ( ) Tj ET Q q 0 0 0 rg BT 324.00 67.25 Td ( ) Tj ET Q q 0 0 0 rg BT 360.00 67.25 Td ( ) Tj ET Q q 0 0 0 rg BT 396.00 67.25 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 57.65 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 57.65 Td (Unfunded exposure includes unfunded corporate lending commitments, letters of credit and other contingencies. ) Tj ET Q q 0 0 0 rg BT 432.00 57.65 Td ( ) Tj ET Q q 0 0 0 rg BT 468.00 57.65 Td ( ) 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 298.85 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.48 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 308.11 33.60 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 750.50 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 750.50 Td (Net mark-to-market counterparty risk on OTC derivatives and securities lending/borrowing transactions \(repos\). Exposures are shown net of collateral and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 740.90 Td (inclusive of CV) Tj ET Q q 0 0 0 rg BT 103.63 740.90 Td (A. Includes mar) Tj ET Q q 0 0 0 rg BT 154.80 740.90 Td (gin loans. ) Tj ET Q q 0 0 0 rg BT 216.00 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 252.00 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 288.00 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 324.00 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 360.00 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 396.00 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 432.00 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 468.00 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 504.00 740.90 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 731.30 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 731.30 Td (Investment securities include securities available-for) Tj ET Q q 0 0 0 rg BT 222.22 731.30 Td (-sale, recorded at fair market value, and securities held-to-maturity) Tj ET Q q 0 0 0 rg BT 435.38 731.30 Td (, recorded at historical cost. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 721.70 Td (\(6\) ) Tj ET Q q 0 0 0 rg BT 54.00 721.70 Td (T) Tj ET Q q 0 0 0 rg BT 58.61 721.70 Td (rading account assets are shown on a net basis and include issuer risk on cash products and derivative exposure where the underlying reference entity/issuer is ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 712.10 Td (located in that country) Tj ET Q q 0 0 0 rg BT 125.23 712.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 688.10 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 688.10 Td (enezuela) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 676.10 Td (Citi continues to monitor the political and economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 664.10 Td (environment and uncertainties in ) Tj ET Q q 0 0 0 rg BT 169.67 664.10 Td (V) Tj ET Q q 0 0 0 rg BT 175.78 664.10 Td (enezuela. ) Tj ET Q q 0 0 0 rg BT 215.20 664.10 Td (As of December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 652.10 Td (31, 2018, Citi) Tj ET Q q 0 0 0 rg BT 93.78 652.10 Td (s net investment in its on-shore ) Tj ET Q q 0 0 0 rg BT 220.81 652.10 Td (V) Tj ET Q q 0 0 0 rg BT 226.92 652.10 Td (enezuelan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 640.10 Td (operations was approximately $40 million. In addition, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 628.10 Td (early 2015, the Central Bank of ) Tj ET Q q 0 0 0 rg BT 164.39 628.10 Td (V) Tj ET Q q 0 0 0 rg BT 170.51 628.10 Td (enezuela \(BCV\) sold gold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 616.10 Td (held at the Bank of England to a Citi entity in the U.K., giving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 604.10 Td (Citi ownership and full legal title to the gold for $1.6 billion. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 592.10 Td (Simultaneously) Tj ET Q q 0 0 0 rg BT 97.57 592.10 Td (, the BCV) Tj ET Q q 0 0 0 rg BT 137.67 592.10 Td ( entered into forward purchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 580.10 Td (agreements \(collectively) Tj ET Q q 0 0 0 rg BT 133.36 580.10 Td (, the ) Tj ET Q q 0 0 0 rg BT 152.52 580.10 Td (Agreements\) with Citi, requiring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 568.10 Td (the BCV) Tj ET Q q 0 0 0 rg BT 71.10 568.10 Td ( to purchase the same quantity of gold from Citi on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 556.10 Td (predetermined dates. ) Tj ET Q q 0 0 0 rg BT 121.62 556.10 Td (The next such date will be in March ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 544.10 Td (2019 at which time the BCV) Tj ET Q q 0 0 0 rg BT 150.53 544.10 Td ( will be required to purchase a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 532.10 Td (significant amount of gold from Citi under the terms of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 520.10 Td (Agreements.Citi believes it is protected against market and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 508.10 Td (credit risk related to the ) Tj ET Q q 0 0 0 rg BT 132.91 508.10 Td (Agreements. ) Tj ET Q q 0 0 0 rg BT 186.04 508.10 Td (The ) Tj ET Q q 0 0 0 rg BT 203.54 508.10 Td (Agreements were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 496.10 Td (accounted for as a financing on Citi) Tj ET Q q 0 0 0 rg BT 181.51 496.10 Td (s books under) Tj ET Q q 0 0 0 rg BT 239.01 496.10 Td (ASC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 484.10 Td (470-40.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 688.10 Td (FFIECCr) Tj ET Q q 0 0 0 rg BT 375.48 688.10 Td (oss-Border) Tj ET Q q 0 0 0 rg BT 421.96 688.10 Td ( Claims on ) Tj ET Q q 0 0 0 rg BT 469.84 688.10 Td (Third Parties and Local ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 676.10 Td (Country ) Tj ET Q q 0 0 0 rg BT 362.06 676.10 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 664.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 664.10 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 324.00 652.10 Td (exposure bank regulatory reporting guidelines of the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 640.10 Td (Financial Institutions Examination Council \(FFIEC\). ) Tj ET Q q 0 0 0 rg BT 537.69 640.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 628.10 Td (following summarizes some of the FFIEC key reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 616.10 Td (guidelines:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 598.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 598.10 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 342.00 586.10 Td (obligor) Tj ET Q q 0 0 0 rg BT 370.49 586.10 Td (, counterparty) Tj ET Q q 0 0 0 rg BT 425.37 586.10 Td (, collateral \(only including qualifying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 574.10 Td (liquid collateral\), issuer or guarantor) Tj ET Q q 0 0 0 rg BT 487.94 574.10 Td (, as applicable \(e.g., a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 562.10 Td (security recorded by a Citi U.S. entity but issued by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 550.10 Td (U.K. government is considered U.K. exposure; a loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 538.10 Td (recorded by a Citi Mexico entity to a customer domiciled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 526.10 Td (in Mexico where the underlying collateral is held in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 514.10 Td (Germany is considered German exposure\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 502.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 502.10 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 342.00 490.10 Td (for secured financing transactions \(i.e., repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 478.10 Td (agreements, reverse repurchase agreements and securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 466.10 Td (loaned and borrowed\) and are reported based on notional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 454.10 Td (amounts. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 442.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 442.10 Td (Netting of derivative receivables and payables, reported at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 430.10 Td (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 342.00 418.10 Td (netting agreement with the same specific counterparty) Tj ET Q q 0 0 0 rg BT 557.93 418.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 406.10 Td (and does not include the benefit of mar) Tj ET Q q 0 0 0 rg BT 498.16 406.10 Td (gin received or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 394.10 Td (hedges.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 382.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 382.10 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 342.00 370.10 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 342.00 358.10 Td (include any of) Tj ET Q q 0 0 0 rg BT 399.02 358.10 Td (fsetting CDS on the same underlying entity) Tj ET Q q 0 0 0 rg BT 571.68 358.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 346.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 346.10 Td (Loans are reported without the benefit of hedges.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 322.10 Td (Given the requirements noted above, Citi) Tj ET Q q 0 0 0 rg BT 509.73 322.10 Td (s FFIEC cross-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 310.10 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 324.00 298.10 Td (some cases, significantly) Tj ET Q q 0 0 0 rg BT 423.05 298.10 Td (, from period to period. ) Tj ET Q q 0 0 0 rg BT 518.31 298.10 Td (As an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 286.10 Td (example, because total outstandings under FFIEC guidelines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 274.10 Td (do not include the benefit of mar) Tj ET Q q 0 0 0 rg BT 454.89 274.10 Td (gin or hedges, market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 262.10 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 324.00 250.10 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 324.00 238.10 Td (outstandings, all else being equal.) 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 (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (The tables below show 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 35.50 633.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 633.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 633.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 633.60 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 633.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 633.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 633.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 633.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 633.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 633.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 633.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 609.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 609.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 609.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 609.60 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 609.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 609.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 609.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 609.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 609.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 609.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 609.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 585.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 585.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 585.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 585.60 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 585.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 585.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 585.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 585.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 585.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 585.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 585.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 561.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 561.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 561.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 561.60 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 561.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 561.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 561.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 561.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 561.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 561.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 561.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 537.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 537.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 537.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 537.60 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 537.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 537.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 537.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 537.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 537.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 537.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 537.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 513.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 513.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 513.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 513.60 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 513.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 513.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 513.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 513.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 513.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 513.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 513.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 489.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 489.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 489.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 489.60 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 489.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 489.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 489.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 489.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 489.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 489.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 489.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 465.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 465.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 465.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 465.60 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 465.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 465.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 465.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 465.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 465.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 465.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 465.60 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 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 441.6 m 93.5 441.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 93.5 441.6 m 125.5 441.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 441.6 m 158.5 441.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 441.6 m 196.5 441.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 441.6 m 263.5 441.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 441.6 m 305.5 441.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 441.6 m 354.5 441.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 441.6 m 414.5 441.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 441.6 m 474.5 441.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 441.6 m 526.5 441.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 441.6 m 575.5 441.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.70 730.00 Td (December) Tj ET Q q 0 0 0 rg BT 336.59 730.00 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.15 718.00 Td (Cr) Tj ET Q q 0 0 0 rg BT 227.48 718.00 Td (oss-border) Tj ET Q q 0 0 0 rg BT 268.32 718.00 Td ( claims on third parties and local country assets) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 689.85 Td (In billions of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 681.85 Td (U.S. dollars) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 97.65 690.44 Td (Banks) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 104.00 681.94 Td (\(a\)) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 129.90 690.44 Td (Public) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 136.50 681.94 Td (\(a\)) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 161.95 690.44 Td (NBFIs) Tj ET Q BT /F2 8.50 Tf ET BT /F2 5.52 Tf ET q 0 0 0 rg BT 185.57 694.29 Td (\(1\) ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 172.00 681.94 Td (\(a\)) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 218.70 706.34 Td (Other) Tj ET Q q 0 0 0 rg BT 240.26 706.34 Td ( ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 210.35 697.84 Td (\(corporate ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 200.05 689.34 Td (and households\) ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 224.50 680.84 Td (\(a\)) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 269.40 706.34 Td (T) Tj ET Q 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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 554.60 685.79 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 669.00 Td (United) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 660.00 Td (Kingdom) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 96.00 660.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 106.25 660.05 Td (14.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.00 660.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 660.05 Td (24.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 161.00 660.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.25 660.05 Td (35.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 660.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 660.05 Td (21.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.00 660.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.25 660.05 Td (12.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.00 660.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 660.05 Td (67.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 660.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 660.05 Td (96.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 660.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 660.05 Td (25.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.00 660.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 660.05 Td (74.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 660.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 660.05 Td (76.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 647.00 Td (Cayman) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 638.00 Td (Islands) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 113.00 638.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 146.00 638.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.25 638.05 Td (81.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 638.05 Td (9.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 638.05 Td (5.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 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ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 601.00 Td (6.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 601.00 Td (50.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 601.00 Td (67.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 601.00 Td (10.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 601.00 Td (51.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 601.00 Td (50.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 589.00 Td (France) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 106.25 589.00 Td (12.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.75 589.00 Td (8.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.25 589.00 Td (30.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 589.00 Td (5.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 589.00 Td (9.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 589.00 Td (49.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 589.00 Td (57.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 589.00 Td (30.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 589.00 Td (59.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 589.00 Td (58.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 577.00 Td (Kor) Tj ET Q q 0 0 0 rg BT 53.41 577.00 Td (ea South) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 577.00 Td (1.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 577.00 Td (17.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 577.00 Td (3.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 577.00 Td (22.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 577.00 Td (1.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 577.00 Td (33.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 577.00 Td (44.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 577.00 Td (12.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 577.00 Td (12.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 577.00 Td (12.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 565.00 Td (Singapor) Tj ET Q q 0 0 0 rg BT 72.93 565.00 Td (e) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 565.00 Td (1.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 565.00 Td (22.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 565.00 Td (4.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 565.00 Td (13.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 565.00 Td (1.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 565.00 Td (31.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 565.00 Td (41.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 565.00 Td (1) Tj ET Q q 0 0 0 rg BT 459.75 565.00 Td (1.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 565.00 Td (1.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.75 565.00 Td (1.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 553.00 Td (India) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 553.00 Td (3.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 553.00 Td (12.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 553.00 Td (3.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 553.00 Td (15.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 553.00 Td (4.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 553.00 Td (22.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 553.00 Td (34.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 553.00 Td (9.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 553.00 Td (2.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.75 553.00 Td (2.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 541.00 Td (Hong Kong) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 541.00 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 541.00 Td (1) Tj ET Q q 0 0 0 rg BT 143.75 541.00 Td (1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 541.00 Td (3.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 541.00 Td (16.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 541.00 Td (3.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 541.00 Td (27.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 541.00 Td (32.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 541.00 Td (14.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 541.00 Td (2.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.75 541.00 Td (2.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 529.00 Td (China) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 529.00 Td (5.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 529.00 Td (1) Tj ET Q q 0 0 0 rg BT 143.75 529.00 Td (1.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 529.00 Td (3.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 529.00 Td (12.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 529.00 Td (4.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 529.00 Td (20.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 529.00 Td (31.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 529.00 Td (4.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 529.00 Td (15.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 529.00 Td (14.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 517.00 Td (Australia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 517.00 Td (3.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.75 517.00 Td (7.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 517.00 Td (4.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 517.00 Td (13.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 517.00 Td (7.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 517.00 Td (14.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 517.00 Td (29.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 517.00 Td (12.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 517.00 Td (10.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 517.00 Td (10.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 505.00 Td (Brazil) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 505.00 Td (3.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 505.00 Td (10.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 505.00 Td (1.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 505.00 Td (10.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 505.00 Td (5.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 505.00 Td (16.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 505.00 Td (26.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 505.00 Td (2.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 505.00 Td (8.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.75 505.00 Td (8.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 493.00 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 493.00 Td (aiwan) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 493.00 Td (0.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.75 493.00 Td (7.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 493.00 Td (3.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 493.00 Td (12.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 493.00 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 493.00 Td (18.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 493.00 Td (23.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 493.00 Td (13.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 493.00 Td (0.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.75 493.00 Td (0.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 481.00 Td (Netherlands) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 481.00 Td (6.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.75 481.00 Td (9.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 481.00 Td (3.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 481.00 Td (4.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 481.00 Td (3.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 481.00 Td (14.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 481.00 Td (23.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 481.00 Td (8.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 481.00 Td (28.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 481.00 Td (28.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 469.00 Td (Canada) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 469.00 Td (3.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.75 469.00 Td (4.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 469.00 Td (9.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 469.00 Td (5.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 469.00 Td (2.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 469.00 Td (15.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 469.00 Td (22.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 469.00 Td (13.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 469.00 Td (5.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.75 469.00 Td (6.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 457.00 Td (Switzerland) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 457.00 Td (1.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 457.00 Td (13.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 457.00 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 457.00 Td (3.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 457.00 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 457.00 Td (5.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 457.00 Td (20.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 457.00 Td (6.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 457.00 Td (19.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 457.00 Td (19.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 445.00 Td (Italy) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 445.00 Td (3.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 445.00 Td (1) Tj ET Q q 0 0 0 rg BT 143.75 445.00 Td (1.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 445.00 Td (0.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 445.00 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 445.00 Td (7.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 445.00 Td (10.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 445.00 Td (16.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 445.00 Td (2.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 445.00 Td (51.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 445.00 Td (51.5) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 370.60 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 370.60 32.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 370.60 33.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 370.60 37.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 370.60 68.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 370.60 42.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 370.60 46.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 370.60 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 370.60 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 370.60 55.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 370.60 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 325.60 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 325.60 32.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 325.60 33.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 325.60 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 325.60 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 325.60 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 325.60 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 325.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 325.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 325.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 325.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 300.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 300.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 300.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 300.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 300.60 68.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 300.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 300.60 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 300.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 300.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 300.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 300.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 276.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 276.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 276.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 276.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 276.60 68.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 276.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 276.60 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 276.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 276.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 276.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 276.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 252.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 252.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 252.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 252.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 252.60 68.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 252.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 252.60 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 252.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 252.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 252.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 252.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 228.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 228.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 228.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 228.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 228.60 68.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 228.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 228.60 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 228.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 228.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 228.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 228.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 204.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 204.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 204.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 204.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 204.60 68.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 204.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 204.60 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 204.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 204.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 204.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 204.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 180.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 180.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 180.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 180.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 180.60 68.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 180.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 180.60 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 180.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 180.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 180.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 180.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 156.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 156.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 156.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 156.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 156.60 68.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 156.60 42.00 -12.00 re f /GS0 gs 0.8 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132.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 132.60000000000002 m 263.5 132.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 132.60000000000002 m 305.5 132.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 132.60000000000002 m 351.5 132.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 132.60000000000002 m 411.5 132.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 132.60000000000002 m 471.5 132.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 132.60000000000002 m 526.5 132.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 132.60000000000002 m 575.5 132.60000000000002 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.60 422.86 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.25 410.86 Td (Cross-border claims on third parties and local country assets ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 382.85 Td (In 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392.25 291.86 Td (65.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 291.86 Td (19.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 291.86 Td (6.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 291.86 Td (6.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 279.86 Td (France) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 106.25 279.86 Td (12.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.75 279.86 Td (5.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 176.25 279.86 Td (20.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 279.86 Td (6.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 279.86 Td (8.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 279.86 Td (37.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 279.86 Td (44.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 279.86 Td (23.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 279.86 Td (59.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 279.86 Td (60.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 267.86 Td (South Korea) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 267.86 Td (2.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.25 267.86 Td (15.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 267.86 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.25 267.86 Td (24.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 267.86 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 267.86 Td (38.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 267.86 Td (44.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 267.86 Td (17.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 267.86 Td (14.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 267.86 Td (12.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 255.86 Td (Singapore) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 255.86 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.25 255.86 Td (22.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 255.86 Td (4.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.25 255.86 Td (14.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 255.86 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 255.86 Td (33.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 255.86 Td (43.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 255.86 Td (1) Tj ET Q q 0 0 0 rg BT 456.75 255.86 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 255.86 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 255.86 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 243.86 Td (India) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 243.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.25 243.86 Td (12.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 243.86 Td (4.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.25 243.86 Td (16.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 243.86 Td (5.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 243.86 Td (25.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 243.86 Td (39.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 243.86 Td (9.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 243.86 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 243.86 Td (2.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 231.86 Td (Australia) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 231.86 Td (4.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.75 231.86 Td (8.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 231.86 Td (4.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.25 231.86 Td (14.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 231.86 Td (7.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 231.86 Td (18.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 231.86 Td (31.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 231.86 Td (13.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 231.86 Td (13.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 231.86 Td (13.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 219.86 Td (China) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 219.86 Td (5.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.75 219.86 Td (9.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 219.86 Td (3.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.25 219.86 Td (13.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 219.86 Td (3.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 219.86 Td (24.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 219.86 Td (31.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 219.86 Td (4.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 219.86 Td (14.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 219.86 Td (14.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 207.86 Td (Hong Kong) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 207.86 Td (0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.75 207.86 Td (9.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 207.86 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.25 207.86 Td (15.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 207.86 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 207.86 Td (23.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 207.86 Td (29.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 207.86 Td (13.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 207.86 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 207.86 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 195.86 Td (Brazil) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 195.86 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.25 195.86 Td (1) Tj ET Q q 0 0 0 rg BT 143.75 195.86 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 195.86 Td (0.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.25 195.86 Td (10.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 195.86 Td (5.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 195.86 Td (17.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 195.86 Td (26.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 195.86 Td (2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 195.86 Td (10.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 195.86 Td (9.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 183.86 Td (Netherlands) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 183.86 Td (7.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.75 183.86 Td (9.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 183.86 Td (4.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 183.86 Td (6.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 183.86 Td (4.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 183.86 Td (15.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 183.86 Td (27.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 183.86 Td (10.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 183.86 Td (27.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 183.86 Td (27.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 171.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 171.86 Td (aiwan) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 171.86 Td (0.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.75 171.86 Td (6.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 171.86 Td (2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.25 171.86 Td (13.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 171.86 Td (2.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 171.86 Td (16.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 171.86 Td (22.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 171.86 Td (14.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 171.86 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 171.86 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 159.86 Td (Canada) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 159.86 Td (4.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.75 159.86 Td (4.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 159.86 Td (7.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 159.86 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 159.86 Td (2.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 159.86 Td (1) Tj ET Q q 0 0 0 rg BT 336.75 159.86 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 159.86 Td (21.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 159.86 Td (14.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 159.86 Td (5.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 159.86 Td (6.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 147.86 Td (Switzerland) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 147.86 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.25 147.86 Td (13.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 147.86 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 147.86 Td (4.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 147.86 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 147.86 Td (17.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 147.86 Td (20.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 147.86 Td (5.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 147.86 Td (19.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 147.86 Td (19.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 135.86 Td (Italy) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 135.86 Td (3.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.25 135.86 Td (1) Tj ET Q q 0 0 0 rg BT 143.75 135.86 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 135.86 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 135.86 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 135.86 Td (7.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 135.86 Td (9.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 135.86 Td (16.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 135.86 Td (2.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 135.86 Td (59.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 135.86 Td (58.4) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 113.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 113.90 Td (Non-bank financial institutions.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 104.30 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 104.30 Td (Included in total outstanding.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 94.70 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 94.70 Td (T) Tj ET Q q 0 0 0 rg BT 58.33 94.70 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 85.10 Td (securities, deposits with banks and other monetary assets, as well as net revaluation gains on foreign exchange and derivative products.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 75.50 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 75.50 Td (Commitments \(not included in total outstanding\) include legally binding cross-border letters of credit and other commitments and contingencies as defined by the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 65.90 Td (FFIEC guidelines. ) Tj ET Q q 0 0 0 rg BT 114.52 65.90 Td (The FFIEC definition of commitments includes commitments to local residents to be funded with local currency liabilities originated within the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 56.30 Td (country) Tj ET Q q 0 0 0 rg BT 77.92 56.30 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 46.70 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 46.70 Td (Credit Default Swaps \(CDS\) are not included in total outstanding. ) Tj ET Q endstream endobj 227 0 obj <> endobj 228 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 (SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 102.50 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 104.45 742.25 Td (ACCOUNTING POLICIES ) Tj ET Q q 0 0 0 rg BT 226.14 742.25 Td (AND SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 316.80 742.25 Td ( ESTIMA) Tj ET Q q 0 0 0 rg BT 358.01 742.25 Td (TES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 720.25 Td (This section contains a summary of Citi) Tj ET Q q 0 0 0 rg BT 198.20 720.25 Td (s most significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 708.25 Td (accounting policies and accounting standards that have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 696.25 Td (issued, but are not yet ef) Tj ET Q q 0 0 0 rg BT 133.57 696.25 Td (fective. Note 1 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 684.25 Td (Financial Statements contains a summary of Citigroup) Tj ET Q q 0 0 0 rg BT 256.52 684.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 672.25 Td (significant accounting policies, including a discussion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 660.25 Td (recently adopted accounting pronouncements. ) Tj ET Q q 0 0 0 rg BT 222.14 660.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 648.25 Td (policies, as well as estimates made by management, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 636.25 Td (integral to the presentation of Citi) Tj ET Q q 0 0 0 rg BT 174.02 636.25 Td (s results of operations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 624.25 Td (financial condition. ) Tj ET Q q 0 0 0 rg BT 116.07 624.25 Td (While all of these policies require a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 612.25 Td (certain level of management judgment and estimates, this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 600.25 Td (section highlights and discusses the significant accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 588.25 Td (policies that require management to make highly dif) Tj ET Q q 0 0 0 rg BT 244.92 588.25 Td (ficult, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 576.25 Td (complex or subjective judgments and estimates at times ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 564.25 Td (regarding matters that are inherently uncertain and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 552.25 Td (susceptible to change \(see also Risk FactorsOperational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 540.25 Td (Risks above\). Management has discussed each of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 528.25 Td (significant accounting policies, the related estimates and its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 516.25 Td (judgments with the ) Tj ET Q q 0 0 0 rg BT 114.61 516.25 Td (Audit Committee of the Citigroup Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 504.25 Td (of Directors. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 480.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 480.25 Td (aluations of Financial Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 468.25 Td (Citigroup holds debt and equity securities, derivatives, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 456.25 Td (retained interests in securitizations, investments in private ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 444.25 Td (equity and other financial instruments. Substantially all of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 432.25 Td (these assets and liabilities are reflected at fair value on Citi) Tj ET Q q 0 0 0 rg BT 274.24 432.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 420.25 Td (Consolidated Balance Sheet.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 408.25 Td (Citi purchases securities under agreements to resell ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 396.25 Td (\(reverse repos\) and sells securities under agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 384.25 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 36.00 372.25 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 36.00 360.25 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 36.00 348.25 Td (borrowed and loaned positions that are collateralized with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 336.25 Td (cash, are carried at fair value. Citigroup holds its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 324.25 Td (investments, trading assets and liabilities, and resale and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 312.25 Td (repurchase agreements on the Consolidated Balance Sheet to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 300.25 Td (meet customer needs and to manage liquidity needs, interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 288.25 Td (rate risks and private equity investing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 276.25 Td (When available, Citi generally uses quoted market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 264.25 Td (prices to determine fair value and classifies such items ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 252.25 Td (within Level 1 of the fair value hierarchy established under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 240.25 Td (ASC 820-10,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 88.78 240.25 Td ( Fair V) Tj ET Q q 0 0 0 rg BT 116.56 240.25 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 166.46 240.25 Td (ement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.34 240.25 Td (. If quoted market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 228.25 Td (prices are not available, fair value is based upon internally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 216.25 Td (developed valuation models that use, where possible, current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 204.25 Td (market-based or independently sourced market parameters, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 192.25 Td (such as interest rates, currency rates and option volatilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 180.25 Td (Such models are often based on a discounted cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 168.25 Td (analysis. In addition, items valued using such internally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 156.25 Td (generated valuation techniques are classified according to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 144.25 Td (the lowest level input or value driver that is significant to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 132.25 Td (valuation. ) Tj ET Q q 0 0 0 rg BT 78.03 132.25 Td (Thus, an item may be classified under the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 120.25 Td (value hierarchy as Level 3 even though there may be some ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 108.25 Td (significant inputs that are readily observable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 96.25 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 84.25 Td (to the applicability and functionality of internal valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 72.25 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 36.00 60.25 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 36.00 48.25 Td (subsequent lack of observability in certain markets. ) Tj ET Q q 0 0 0 rg BT 244.09 48.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 720.25 Td (judgments have the potential to impact the Company) Tj ET Q q 0 0 0 rg BT 531.12 720.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 708.25 Td (financial performance for instruments where the changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 696.25 Td (fair value are recognized in either the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 684.25 Td (Statement of Income or in ) Tj ET Q q 0 0 0 rg BT 423.36 684.25 Td (AOCI. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 672.25 Td (Moreover) Tj ET Q q 0 0 0 rg BT 374.03 672.25 Td (, for certain investments, decreases in fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 660.25 Td (value are only recognized in earnings in the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 648.25 Td (Statement of Income if such decreases are judged to be an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 636.25 Td (other) Tj ET Q q 0 0 0 rg BT 337.35 636.25 Td (-than-temporary impairment \(OTTI\). ) Tj ET Q q 0 0 0 rg BT 487.29 636.25 Td (Adjudicating the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 624.25 Td (temporary nature of fair value impairments is also inherently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 612.25 Td (judgmental. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 600.25 Td ( ) Tj ET Q q 0 0 0 rg BT 337.32 600.25 Td (The fair value of financial instruments incorporates the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 588.25 Td (ef) Tj ET Q q 0 0 0 rg BT 324.59 588.25 Td (fects of Citi) Tj ET Q q 0 0 0 rg BT 374.58 588.25 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 317.00 576.25 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 317.00 564.25 Td (complex and judgmental. For additional information on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 552.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 334.78 552.25 Td (s fair value analysis, see Notes 1, 6, 24 and 25 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 540.25 Td (Consolidated Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 516.25 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 376.53 516.25 Td ( Cr) Tj ET Q q 0 0 0 rg BT 390.51 516.25 Td (edit Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 504.25 Td (Management provides reserves for an estimate of probable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 492.25 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 317.00 480.25 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 317.00 468.25 Td (Consolidated Balance Sheet in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 456.69 468.25 Td (Allowance for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.74 468.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 456.25 Td (and in) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 341.72 456.25 Td ( Other liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.83 456.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 460.49 456.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 444.25 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 317.00 432.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 358.11 432.25 Td (s internal system of credit-risk ratings that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 420.25 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 317.00 408.25 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 317.00 396.25 Td (rating agency information regarding default rates from 1983 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 384.25 Td (to 2017 and internal data dating to the early 1970s on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 372.25 Td (severity of losses in the event of default. ) Tj ET Q q 0 0 0 rg BT 480.57 372.25 Td (Adjustments may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 360.25 Td (be made to this data, including \(i\) statistically calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 348.25 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 317.00 336.25 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 317.00 324.25 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 317.00 312.25 Td (there are lar) Tj ET Q q 0 0 0 rg BT 364.56 312.25 Td (ge obligor concentrations in the global portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 300.25 Td (and \(ii\) adjustments made for specifically known items, such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 288.25 Td (as current environmental factors and credit trends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 276.25 Td (In addition, representatives from both the risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 264.25 Td (management and finance staf) Tj ET Q q 0 0 0 rg BT 433.71 264.25 Td (fs who cover business areas ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 252.25 Td (with delinquency-managed portfolios containing smaller ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 240.25 Td (balance homogeneous loans present their recommended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 228.25 Td (reserve balances based upon leading credit indicators, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 216.25 Td (including loan delinquencies and changes in portfolio size, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 204.25 Td (as well as economic trends, including housing prices, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 192.25 Td (unemployment and GDP) Tj ET Q q 0 0 0 rg BT 415.33 192.25 Td (. ) Tj ET Q q 0 0 0 rg BT 420.14 192.25 Td (This methodology is applied ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 180.25 Td (separately for each individual product within each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 168.25 Td (geographic region in which these portfolios exist.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 156.25 Td (This evaluation process is subject to numerous estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 144.25 Td (and judgments. ) Tj ET Q q 0 0 0 rg BT 380.42 144.25 Td (The frequency of default, risk ratings, loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 132.25 Td (recovery rates, the size and diversity of individual lar) Tj ET Q q 0 0 0 rg BT 529.80 132.25 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 120.25 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 317.00 108.25 Td (obligations to obtain the foreign currency necessary for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 96.25 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 317.00 84.25 Td (account during this review) Tj ET Q q 0 0 0 rg BT 422.71 84.25 Td (. Changes in these estimates could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 72.25 Td (have a direct impact on Citi) Tj ET Q q 0 0 0 rg BT 430.57 72.25 Td (s credit costs and the allowance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 60.25 Td (in any period. ) 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 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 58.50 742.10 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 36.00 730.10 Td (related accounts, see Notes 1 and 15 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (Citi tests goodwill for impairment annually on July 1 \(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (annual test\) and interim assessments between annual tests if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (an event occurs or circumstances change that would more-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (likely-than-not reduce the fair value of a reporting unit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (below its carrying amount, such as a significant adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (change in the business climate, a decision to sell or dispose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (of all or a significant portion of a reporting unit or a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (significant decline in Citi) Tj ET Q q 0 0 0 rg BT 140.15 598.10 Td (s stock price. During 2018, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (annual test was performed, which resulted in no goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (impairment as described in Note 16 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (Financial Statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 550.10 Td (As of December 31, 2018, Citigroup) Tj ET Q q 0 0 0 rg BT 203.14 550.10 Td (s activities are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (conducted through the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 127.92 538.10 Td (Global Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.14 538.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 128.97 526.10 Td (oup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.97 526.10 Td ( business segments and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.78 514.10 Td (. Goodwill impairment testing is performed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (at the level below the business segment \(referred to as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (reporting unit\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 478.10 Td (Citi utilizes allocated equity as a proxy for the carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (value of its reporting units for purposes of goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (impairment testing. ) Tj ET Q q 0 0 0 rg BT 116.08 454.10 Td (The allocated equity in the reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (units is determined based on the capital the business would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (require if it were operating as a standalone entity) Tj ET Q q 0 0 0 rg BT 230.83 430.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (incorporating suf) Tj ET Q q 0 0 0 rg BT 104.41 418.10 Td (ficient capital to be in compliance with both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (current and expected regulatory capital requirements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (including capital for specifically identified goodwill and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (intangible assets. ) Tj ET Q q 0 0 0 rg BT 106.64 382.10 Td (The capital allocated to the businesses is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (incorporated into the annual budget process, which is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (approved by Citi) Tj ET Q q 0 0 0 rg BT 105.99 358.10 Td (s Board of Directors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 346.10 Td ( Goodwill impairment testing involves management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (judgment, requiring an assessment of whether the carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 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 36.00 310.10 Td (of the reporting unit using widely accepted valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (techniques, such as the market approach \(earnings multiples ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (and/or transaction multiples\) and/or the income approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (\(discounted cash flow \(DCF\) method\). In applying these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (methodologies, Citi utilizes a number of factors, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (actual operating results, future business plans, economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (projections and market data.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 226.10 Td ( Similar to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.72 226.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.72 226.10 Td (, Citigroup engaged an independent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (valuation specialist in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.70 214.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.70 214.10 Td ( to assist in Citi) Tj ET Q q 0 0 0 rg BT 210.71 214.10 Td (s valuation for all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (the reporting units with goodwill balances, employing both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (the market approach and the DCF method. ) Tj ET Q q 0 0 0 rg BT 208.55 190.10 Td (The resulting fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (values were relatively consistent and appropriate weighting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (was given to outputs from both methods.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 154.10 Td (The DCF method utilized at the time of each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (impairment test used discount rates that Citi believes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (adequately reflected the risk and uncertainty in the financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (markets in the internally generated cash flow projections. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (The DCF method employs a capital asset pricing model in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (estimating the discount rate. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 82.10 Td (Since none of the Company) Tj ET Q q 0 0 0 rg BT 167.87 82.10 Td (s reporting units are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (publicly traded, individual reporting unit fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (determinations cannot be directly correlated to Citigroup) Tj ET Q q 0 0 0 rg BT 265.93 58.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (common stock price. ) Tj ET Q q 0 0 0 rg BT 121.91 46.10 Td (The sum of the fair values of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (reporting units exceeded the overall market capitalization of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (Citi as of July 1, 2018. However) Tj ET Q q 0 0 0 rg BT 446.58 730.10 Td (, Citi believes that it is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (meaningful to reconcile the sum of the fair values of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (Company) Tj ET Q q 0 0 0 rg BT 358.67 706.10 Td (s reporting units to its market capitalization due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (several factors. ) Tj ET Q q 0 0 0 rg BT 379.84 694.10 Td (The market capitalization of Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (reflects the execution risk in a transaction involving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (Citigroup due to its size. However) Tj ET Q q 0 0 0 rg BT 453.80 670.10 Td (, the individual reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (units) Tj ET Q q 0 0 0 rg BT 339.04 658.10 Td ( fair values are not subject to the same level of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (execution risk nor a business model that is perceived to be as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (complex. In addition, the market capitalization of Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (does not include consideration of the individual reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (unit) Tj ET Q q 0 0 0 rg BT 335.33 610.10 Td (s control premium.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 598.10 Td (See Notes 1 and 16 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (Statements for additional information on goodwill, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (the changes in the goodwill balance year) Tj ET Q q 0 0 0 rg BT 479.51 574.10 Td (-over) Tj ET Q q 0 0 0 rg BT 500.41 574.10 Td (-year and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (reporting units) Tj ET Q q 0 0 0 rg BT 378.19 562.10 Td ( goodwill balances as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.92 562.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.92 562.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 350.98 538.10 Td (T) Tj ET Q q 0 0 0 rg BT 356.73 538.10 Td (axes) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (Citi is subject to the income tax laws of the U.S., its states ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (and local municipalities and the non-U.S. jurisdictions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (which Citi operates. ) Tj ET Q q 0 0 0 rg BT 399.58 478.10 Td (These tax laws are complex and are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (subject to dif) Tj ET Q q 0 0 0 rg BT 369.03 466.10 Td (fering interpretations by the taxpayer and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (relevant governmental taxing authorities. Disputes over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (interpretations of the tax laws may be subject to review and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (adjudication by the court systems of the various tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (jurisdictions or may be settled with the taxing authority upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (audit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 394.10 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 317.00 382.10 Td (must make judgments and interpretations about the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (application of these inherently complex tax laws. Citi must ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (also make estimates about when in the future certain items ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (will af) Tj ET Q q 0 0 0 rg BT 342.64 346.10 Td (fect taxable income in the various tax jurisdictions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (both domestic and foreign. Deferred taxes are recorded for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (the future consequences of events that have been recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (in the financial statements or tax returns, based upon enacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (tax laws and rates. Deferred tax assets \(DT) Tj ET Q q 0 0 0 rg BT 487.80 298.10 Td (As\) are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (recognized subject to management) Tj ET Q q 0 0 0 rg BT 458.33 286.10 Td (s judgment that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (realization is more-likely-than-not.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 262.10 Td (On December 22, 2017, the President signed the ) Tj ET Q q 0 0 0 rg BT 530.88 262.10 Td (T) Tj ET Q q 0 0 0 rg BT 536.29 262.10 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (Cuts and Jobs ) Tj ET Q q 0 0 0 rg BT 374.51 250.10 Td (Act \(T) Tj ET Q q 0 0 0 rg BT 400.19 250.10 Td (ax Reform\), reflecting changes to U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (corporate taxation, including a lower statutory tax rate of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (21%, a quasi-territorial regime and a deemed repatriation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (all accumulated earnings and profits of foreign subsidiaries. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (The new law was generally ef) Tj ET Q q 0 0 0 rg BT 436.49 202.10 Td (fective January 1, 2018.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 190.10 Td (Citi recorded a one-time, non-cash char) Tj ET Q q 0 0 0 rg BT 493.09 190.10 Td (ge to continuing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (operations of $22.6 billion in the fourth quarter of 2017, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (composed of \(i\) a $12.4 billion remeasurement due to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (reduction of the U.S. corporate tax rate and the change to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (quasi-territorial tax system, \(ii\) a $7.9 billion valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (allowance against Citi) Tj ET Q q 0 0 0 rg BT 408.64 130.10 Td (s FTC carry-forwards and its U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (residual DT) Tj ET Q q 0 0 0 rg BT 363.68 118.10 Td (As related to its non-U.S. branches and \(iii\) a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td ($2.3 billion reduction in Citi) Tj ET Q q 0 0 0 rg BT 433.94 106.10 Td (s FTC carry-forwards related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (the deemed repatriation of undistributed earnings of non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (U.S. subsidiaries. Of this one-time char) Tj ET Q q 0 0 0 rg BT 474.57 82.10 Td (ge, $16.4 billion was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (considered provisional pursuant to Staf) Tj ET Q q 0 0 0 rg BT 473.46 70.10 Td (f ) Tj ET Q q 0 0 0 rg BT 478.73 70.10 Td (Accounting Bulletin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (\(SAB\) 1) Tj ET Q q 0 0 0 rg BT 350.24 58.10 Td (18.) 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 (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (Citi completed its accounting for ) Tj ET Q q 0 0 0 rg BT 187.96 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 193.37 742.10 Td (ax Reform under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (SAB 1) Tj ET Q q 0 0 0 rg BT 62.58 730.10 Td (18 during the fourth quarter of 2018 and recorded a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (one-time, non-cash tax benefit of $94 million in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 230.12 718.10 Td (Corporate/) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.33 706.10 Td (, related to amounts that were considered provisional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (pursuant to SAB 1) Tj ET Q q 0 0 0 rg BT 109.80 694.10 Td (18. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 742.10 Td (The table below details the fourth quarter of 2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (changes to Citi) Tj ET Q q 0 0 0 rg BT 379.77 730.10 Td (s provisional impact from ) Tj ET Q q 0 0 0 rg BT 485.13 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 490.54 730.10 Td (ax Reform.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (Provisional Impact of T) Tj ET Q q 0 0 0 rg BT 133.13 670.10 Td (ax Reform) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 612.60 282.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 612.60 122.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 612.60 122.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 584.60 282.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 584.60 122.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 584.60 122.00 -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 36.5 626.6 m 318.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 626.6 m 440.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 626.6 m 562.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 584.6 m 318.5 584.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 584.6 m 440.5 584.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 584.6 m 562.5 584.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 570.6 m 318.5 570.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 570.6 m 440.5 570.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 570.6 m 562.5 570.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 630.85 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.70 649.05 Td (Pr) Tj ET Q q 0 0 0 rg BT 349.03 649.05 Td (ovisional amounts ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.45 640.05 Td (included in the ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.50 631.05 Td (2017 Form 10-K) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.95 649.05 Td (SAB 1) Tj ET Q q 0 0 0 rg BT 475.71 649.05 Td (18 impact to fourth ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.30 640.05 Td (quarter) Tj ET Q q 0 0 0 rg BT 500.63 640.05 Td ( of 2018 ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.95 631.05 Td (tax pr) Tj ET Q q 0 0 0 rg BT 499.03 631.05 Td (ovision) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 617.06 Td (Quasi-territorial tax system) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 617.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 617.06 Td (6.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 617.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.75 617.05 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 603.06 Td (V) Tj ET Q q 0 0 0 rg BT 45.00 603.06 Td (aluation allowance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 603.06 Td (7.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.75 603.05 Td (\(1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.00 603.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 589.06 Td (Deemed repatriation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 589.06 Td (2.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.75 589.05 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 575.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 575.05 Td (otal of pr) Tj ET Q q 0 0 0 rg BT 79.51 575.05 Td (ovisional items) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 575.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 575.06 Td (16.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 575.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.75 575.05 Td (\(0.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.00 575.05 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 547.10 Td (Citi has an overall domestic loss \(ODL\) of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 535.10 Td (approximately $47 billion. ) Tj ET Q q 0 0 0 rg BT 144.32 535.10 Td (An ODL) Tj ET Q q 0 0 0 rg BT 179.22 535.10 Td ( allows a company to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 523.10 Td (recharacterize domestic income as income from sources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 511.10 Td (outside the U.S., which enables a taxpayer to use FTC carry-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 499.10 Td (forwards and FTCs generated in future years, assuming the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 487.10 Td (generation of suf) Tj ET Q q 0 0 0 rg BT 103.57 487.10 Td (ficient U.S. taxed income. ) Tj ET Q q 0 0 0 rg BT 210.31 487.10 Td (The change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 475.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.41 475.10 Td (ax Reform to allow a taxpayer to elect to recharacterize up ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 463.10 Td (to 100% of its domestic source income as non-U.S. source ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 451.10 Td (income \(up from 50%\) is not expected to materially impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 439.10 Td (the valuation allowance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 427.10 Td (As a result of ) Tj ET Q q 0 0 0 rg BT 109.92 427.10 Td (T) Tj ET Q q 0 0 0 rg BT 115.33 427.10 Td (ax Reform, beginning in 2018, Citi is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 415.10 Td (taxed on income generated by its U.S. operations at a federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 403.10 Td (tax rate of 21%. ) Tj ET Q q 0 0 0 rg BT 102.18 403.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 127.82 403.10 Td (fect on its state tax rate is dependent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 391.10 Td (upon how and when the individual states choose to or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 379.10 Td (automatically adopt the various new provisions of the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 367.10 Td (Internal Revenue Code.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 355.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 355.10 Td (s non-U.S. branches and subsidiaries are subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 343.10 Td (tax at their local tax rates. ) Tj ET Q q 0 0 0 rg BT 141.61 343.10 Td (While non-U.S. branches continue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 331.10 Td (to be subject to U.S. taxation, Citi expects no material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 319.10 Td (residual U.S. tax on such earnings since its overall non-U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 307.10 Td (branch tax rate is in excess of 21%. ) Tj ET Q q 0 0 0 rg BT 179.94 307.10 Td (W) Tj ET Q q 0 0 0 rg BT 188.97 307.10 Td (ith respect to non-U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 295.10 Td (subsidiaries, dividends from these subsidiaries will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 283.10 Td (excluded from U.S. taxation. ) Tj ET Q q 0 0 0 rg BT 153.85 283.10 Td (While the majority of Citi) Tj ET Q q 0 0 0 rg BT 260.49 283.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 271.10 Td (non-U.S. subsidiary earnings are classified as Global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 259.10 Td (Intangible Low ) Tj ET Q q 0 0 0 rg BT 99.69 259.10 Td (T) Tj ET Q q 0 0 0 rg BT 105.10 259.10 Td (axed Income \(GIL) Tj ET Q q 0 0 0 rg BT 178.04 259.10 Td (TI\), Citi similarly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 247.10 Td (expects no material residual U.S. tax on such earnings based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 235.10 Td (on its non-U.S. subsidiaries) Tj ET Q q 0 0 0 rg BT 148.87 235.10 Td ( local tax rates, which exceed, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 223.10 Td (on average, the GIL) Tj ET Q q 0 0 0 rg BT 115.04 223.10 Td (TI tax rate. Finally) Tj ET Q q 0 0 0 rg BT 189.37 223.10 Td (, Citi does not expect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 211.10 Td (the Base Erosion ) Tj ET Q q 0 0 0 rg BT 105.71 211.10 Td (Anti-Abuse ) Tj ET Q q 0 0 0 rg BT 154.69 211.10 Td (T) Tj ET Q q 0 0 0 rg BT 160.10 211.10 Td (ax \(BEA) Tj ET Q q 0 0 0 rg BT 194.26 211.10 Td (T\) to af) Tj ET Q q 0 0 0 rg BT 224.07 211.10 Td (fect its tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 199.10 Td (provision. For additional information on the BEA) Tj ET Q q 0 0 0 rg BT 233.48 199.10 Td (T) Tj ET Q q 0 0 0 rg BT 238.85 199.10 Td (, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 187.10 Td (Risk FactorsStrategic Risks above.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.00 547.10 Td (DT) Tj ET Q q 0 0 0 rg BT 329.78 547.10 Td (As) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 535.10 Td (At December 31, 2018, Citi had net DT) Tj ET Q q 0 0 0 rg BT 474.77 535.10 Td (As of $22.9 billion. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 523.10 Td (In the fourth quarter of 2018, Citi) Tj ET Q q 0 0 0 rg BT 453.91 523.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 472.83 523.10 Td (As decreased $0.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 511.10 Td (billion, driven primarily by gains in ) Tj ET Q q 0 0 0 rg BT 461.71 511.10 Td (AOCI. On a full-year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 499.10 Td (basis, Citi) Tj ET Q q 0 0 0 rg BT 359.78 499.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 378.70 499.10 Td (As increased $0.4 billion from $22.5 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 487.10 Td (at December 31, 2017. ) Tj ET Q q 0 0 0 rg BT 410.12 487.10 Td (The increase in total DT) Tj ET Q q 0 0 0 rg BT 506.50 487.10 Td (As year) Tj ET Q q 0 0 0 rg BT 537.12 487.10 Td (-over) Tj ET Q q 0 0 0 rg BT 558.02 487.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 475.10 Td (year was primarily due to the accounting change for Intra-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 463.10 Td (Entity ) Tj ET Q q 0 0 0 rg BT 343.76 463.10 Td (T) Tj ET Q q 0 0 0 rg BT 349.52 463.10 Td (ransfers of ) Tj ET Q q 0 0 0 rg BT 393.95 463.10 Td (Assets under ) Tj ET Q q 0 0 0 rg BT 447.28 463.10 Td (ASU 2016-16.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 451.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 352.78 451.10 Td (s total valuation allowance at December 31, 2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 439.10 Td (was $9.3 billion, a decrease of $0.1 billion from $9.4 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 427.10 Td (at December 31, 2017. ) Tj ET Q q 0 0 0 rg BT 410.12 427.10 Td (The decrease was driven by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 415.10 Td (reduction due to the SAB 1) Tj ET Q q 0 0 0 rg BT 425.78 415.10 Td (18 adjustment, partially of) Tj ET Q q 0 0 0 rg BT 531.13 415.10 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 403.10 Td (the 2018 change in DT) Tj ET Q q 0 0 0 rg BT 407.84 403.10 Td (As relating to Citi) Tj ET Q q 0 0 0 rg BT 482.56 403.10 Td (s non-U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 391.10 Td (branches.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 379.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 352.78 379.10 Td (s valuation allowance of $6.0 billion against FTC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 367.10 Td (carry-forwards increased by $0.3 billion in 2018. ) Tj ET Q q 0 0 0 rg BT 515.37 367.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 355.10 Td (increase primarily relates to its non-U.S. branches, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 343.10 Td (of) Tj ET Q q 0 0 0 rg BT 325.15 343.10 Td (fset by SAB 1) Tj ET Q q 0 0 0 rg BT 381.17 343.10 Td (18 adjustments. Citi expects that the absolute ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 331.10 Td (amount will increase in future years as it generates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 319.10 Td (additional FTCs relating to the higher overall local tax rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 307.10 Td (of its non-U.S. branches, reduced by the statutory expiration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 295.10 Td (of FTC carry-forwards. ) Tj ET Q q 0 0 0 rg BT 412.90 295.10 Td (W) Tj ET Q q 0 0 0 rg BT 421.94 295.10 Td (ith respect to the portion of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 283.10 Td (valuation allowance established on Citi) Tj ET Q q 0 0 0 rg BT 476.96 283.10 Td (s FTC carry-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 271.10 Td (forwards that are available for use in the general basket, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 259.10 Td (changes in the amount of earnings from sources outside the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 247.10 Td (U.S. could alter the amount of valuation allowance that is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 235.10 Td (eventually needed against such FTCs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 223.10 Td (Recognized FTCs comprised approximately $6.8 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 211.10 Td (of Citi) Tj ET Q q 0 0 0 rg BT 345.61 211.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 364.53 211.10 Td (As as of December 31, 2018, compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 199.10 Td (approximately $7.6 billion as of December 31, 2017. ) Tj ET Q q 0 0 0 rg BT 530.94 199.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 187.10 Td (decrease in FTCs year) Tj ET Q q 0 0 0 rg BT 405.93 187.10 Td (-over) Tj ET Q q 0 0 0 rg BT 426.83 187.10 Td (-year was primarily due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 175.10 Td (adjustments under SAB 1) Tj ET Q q 0 0 0 rg BT 419.12 175.10 Td (18 and current-year usage. ) Tj ET Q q 0 0 0 rg BT 527.50 175.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 163.10 Td (FTC carry-forward periods represent the most time-sensitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 151.10 Td (component of Citi) Tj ET Q q 0 0 0 rg BT 392.55 151.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 411.47 151.10 Td (As.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 139.10 Td (Citi believes the U.S. federal and New ) Tj ET Q q 0 0 0 rg BT 490.97 139.10 Td (Y) Tj ET Q q 0 0 0 rg BT 497.19 139.10 Td (ork State and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 127.10 Td (City net operating loss carry-forward period of 20 years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 115.10 Td (provides enough time to fully utilize the net DT) Tj ET Q q 0 0 0 rg BT 507.27 115.10 Td (As pertaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 103.10 Td (to the existing net operating loss carry-forwards. ) Tj ET Q q 0 0 0 rg BT 513.43 103.10 Td (This is due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 91.10 Td (to Citi) Tj ET Q q 0 0 0 rg BT 345.06 91.10 Td (s forecast of suf) Tj ET Q q 0 0 0 rg BT 408.47 91.10 Td (ficient U.S. taxable income and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 79.10 Td (continued taxation of Citi) Tj ET Q q 0 0 0 rg BT 422.26 79.10 Td (s non-U.S. income by New ) Tj ET Q q 0 0 0 rg BT 532.71 79.10 Td (Y) Tj ET Q q 0 0 0 rg BT 538.93 79.10 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 67.10 Td (State and City) Tj ET Q q 0 0 0 rg BT 373.01 67.10 Td (. ) Tj ET Q q 0 0 0 rg BT 377.46 67.10 Td (Although realization is not assured, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 55.10 Td (believes that the realization of the recognized net DT) Tj ET Q q 0 0 0 rg BT 528.33 55.10 Td (As of ) 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 (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td ($22.9 billion at December 31, 2018 is more-likely-than-not, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (based upon management) Tj ET Q q 0 0 0 rg BT 137.64 730.10 Td (s expectations as to future taxable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (income in the jurisdictions in which the DT) Tj ET Q q 0 0 0 rg BT 209.33 718.10 Td (As arise, as well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (as available tax planning strategies \(as defined in ) Tj ET Q q 0 0 0 rg BT 234.27 706.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 256.04 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 261.45 706.10 Td (opic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (740, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.00 694.10 Td (Income T) Tj ET Q q 0 0 0 rg BT 92.57 694.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.34 694.10 Td (\). Citi has concluded that it has the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (necessary positive evidence to support the realization of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (net DT) Tj ET Q q 0 0 0 rg BT 63.25 670.10 Td (As after taking its valuation allowances into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (consideration.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 742.10 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 473.88 742.10 Td (s income taxes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 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 317.00 718.10 Td (and a tabular summary of Citi) Tj ET Q q 0 0 0 rg BT 439.47 718.10 Td (s net DT) Tj ET Q q 0 0 0 rg BT 473.11 718.10 Td (As balance as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (December 31, 2018 \(including the FTCs and applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (expiration dates of the FTCs\), see Note 9 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (Financial Statements. For additional discussion of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (potential impact to Citi) Tj ET Q q 0 0 0 rg BT 412.26 670.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 431.18 670.10 Td (As that could arise from ) Tj ET Q q 0 0 0 rg BT 530.14 670.10 Td (T) Tj ET Q q 0 0 0 rg BT 535.55 670.10 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (Reform, see Risk FactorsStrategic Risks above.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (2017 Impact of T) Tj ET Q q 0 0 0 rg BT 105.91 634.10 Td (ax Reform) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (The table below discloses the as-reported GAAP) Tj ET Q q 0 0 0 rg BT 230.58 622.10 Td ( results for 2018 and 2017, as well as the 2017 adjusted results excluding the one-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (time 2017 impact of ) Tj ET Q q 0 0 0 rg BT 119.13 610.10 Td (T) Tj ET Q q 0 0 0 rg BT 124.54 610.10 Td (ax Reform. ) Tj ET Q q 0 0 0 rg BT 171.85 610.10 Td (The table below does not reflect any adjustment to 2018 results.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 559.60 174.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 559.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 559.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 559.60 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 559.60 19.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 559.60 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 559.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 559.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 542.50 559.60 20.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 533.60 174.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 533.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 533.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 533.60 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 533.60 19.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 533.60 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 533.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 533.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 542.50 533.60 20.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 507.60 174.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 507.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 507.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 507.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 507.60 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 507.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 507.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 507.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 542.50 507.60 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 478.60 174.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 478.60 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 478.60 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 478.60 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 478.60 19.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 478.60 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 478.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 478.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 542.50 478.60 20.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 448.60 174.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 448.60 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 448.60 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 448.60 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 448.60 19.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 448.60 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 448.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 448.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 542.50 448.60 20.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 422.60 174.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 422.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 422.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 422.60 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 422.60 19.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 422.60 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 422.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 422.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 542.50 422.60 20.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 396.60 174.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 396.60 49.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 396.60 45.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 396.60 61.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 396.60 19.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 396.60 50.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 396.60 54.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 396.60 54.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 542.50 396.60 20.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 363.60 174.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 363.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 363.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 363.60 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 363.60 19.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 363.60 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 363.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 363.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 542.50 363.60 20.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 337.60 174.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 337.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 337.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 337.60 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 337.60 19.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 337.60 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 337.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 337.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 542.50 337.60 20.00 -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 434.5 574.6 m 488.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 574.6 m 542.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 574.6 m 562.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 559.6 m 210.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 559.6 m 259.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 559.6 m 304.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 559.6 m 365.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 559.6 m 384.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 559.6 m 434.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 574.6 m 488.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 559.6 m 488.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 559.6 m 542.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 559.6 m 562.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 559.6 m 488.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 546.6 m 488.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 533.6 m 488.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 520.6 m 488.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 507.6 m 488.5 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 493.6 m 488.5 478.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 478.6 m 488.5 463.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 463.6 m 488.5 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 448.6 m 488.5 433.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 433.6 m 488.5 422.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 422.6 m 488.5 409.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 409.6 m 488.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 396.6 m 488.5 376.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 376.6 m 488.5 363.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 363.6 m 488.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 350.6 m 488.5 337.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 324.6 m 210.5 324.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 324.6 m 259.5 324.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 324.6 m 304.5 324.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 324.6 m 365.5 324.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 324.6 m 384.5 324.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 324.6 m 434.5 324.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 337.6 m 488.5 324.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 324.6 m 488.5 324.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 324.6 m 542.5 324.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 324.6 m 562.5 324.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 571.85 Td (In millions of dollars, except per shar) Tj ET Q q 0 0 0 rg BT 159.36 571.85 Td (e amounts and) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 563.85 Td (as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.50 582.05 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.45 573.05 Td (as ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 214.40 564.05 Td (r) Tj ET Q q 0 0 0 rg BT 218.23 564.05 Td (eported) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 247.72 568.13 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.50 582.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.75 573.06 Td (as ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.50 564.06 Td (reported) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.35 582.06 Td (2017 one-time ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.35 573.06 Td (impact of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.90 564.06 Td (T) Tj ET Q q 0 0 0 rg BT 317.77 564.06 Td (ax Reform) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 582.06 Td (2017 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 573.06 Td (adjusted ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.80 564.06 Td (results) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 417.30 568.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.65 588.05 Td (2018 incr) Tj ET Q q 0 0 0 rg BT 477.23 588.05 Td (ease \(decr) Tj ET Q q 0 0 0 rg BT 515.30 588.05 Td (ease\) ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.90 579.05 Td (vs. 2017 ex-T) Tj ET Q q 0 0 0 rg BT 492.32 579.05 Td (ax Reform) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.85 564.05 Td ($ Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.60 564.05 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 551.00 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.00 551.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.25 551.00 Td (18,045) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.00 550.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.25 550.86 Td (\(6,798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 550.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 550.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.25 550.86 Td (\(22,594) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 550.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.00 550.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.75 550.86 Td (15,796) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 551.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.75 551.00 Td (2,249) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.00 551.00 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.00 551.00 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 538.00 Td (Diluted earnings per) Tj ET Q q 0 0 0 rg BT 117.92 538.00 Td ( shar) Tj ET Q q 0 0 0 rg BT 137.01 538.00 Td (e:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 524.86 Td ( Income \(loss\) from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.25 525.00 Td (6.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.75 524.86 Td (\(2.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 524.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.25 524.86 Td (\(8.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 524.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.75 524.86 Td (5.37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 525.00 Td (1.32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.00 525.00 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 511.86 Td ( Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.25 512.00 Td (6.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.75 511.86 Td (\(2.98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 511.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.25 511.86 Td (\(8.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 511.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.75 511.86 Td (5.33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 512.00 Td (1.35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.00 512.00 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 498.06 Td ( Ef) Tj ET Q q 0 0 0 rg BT 51.91 498.06 Td (fective tax rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.25 498.05 Td (22.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.00 498.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.25 498.06 Td (129.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.50 498.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.75 498.06 Td (\(9,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 498.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 498.06 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.75 498.06 Td (29.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.50 498.06 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.50 498.05 Td (\(700) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.00 498.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.00 498.05 Td (bps) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 483.05 Td ( Global Consumer Banking) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.00 483.05 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.00 483.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.75 483.05 Td (5,755) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.00 483.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.25 483.06 Td (3,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 483.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.50 483.06 Td (\(750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 483.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.00 483.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.25 483.06 Td (4,619) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 483.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.75 483.05 Td (1,136) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.00 483.05 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.00 483.05 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 468.05 Td ( North ) Tj ET Q q 0 0 0 rg BT 66.59 468.05 Td (America GCB) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 117.33 468.05 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.75 468.05 Td (3,340) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.25 468.06 Td (1,991) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.50 468.06 Td (\(750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 468.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.25 468.06 Td (2,741) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.50 468.05 Td (599) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.00 468.05 Td (22) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 453.05 Td ( Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 127.17 453.05 Td (oup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.67 453.05 Td (Net income ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.25 453.05 Td (12,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.25 453.06 Td (9,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.75 453.06 Td (\(2,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 453.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.75 453.06 Td (1) Tj ET Q q 0 0 0 rg BT 406.25 453.06 Td (1,009) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.75 453.05 Td (1,174) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.00 453.05 Td (1) Tj ET Q q 0 0 0 rg BT 528.50 453.05 Td (1) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 438.05 Td ( Corporate/Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.50 438.05 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.50 438.05 Td (107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.75 438.06 Td (\(19,676) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 438.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.25 438.06 Td (\(19,844) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 438.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 438.06 Td (168) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 438.05 Td (\(61) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 438.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.00 438.05 Td (\(36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.00 438.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 414.00 Td (Performance and other) Tj ET Q q 0 0 0 rg BT 128.39 414.00 Td ( metrics:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 400.86 Td ( Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.25 401.00 Td (0.94) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.00 401.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.75 400.86 Td (\(0.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 400.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.50 400.86 Td (\(120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 400.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 400.86 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.75 400.86 Td (0.84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.50 400.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.00 401.00 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.00 401.00 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 387.86 Td ( Return on average common stockholders) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 378.91 Td (equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.75 381.05 Td (9.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.25 381.06 Td (\(3.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 381.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.75 381.06 Td (\(1,090) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 381.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 381.06 Td (7.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.50 381.05 Td (240) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 367.86 Td ( Return on average total stockholders) Tj ET Q q 0 0 0 rg BT 178.12 367.86 Td ( equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.75 368.00 Td (9.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.25 367.86 Td (\(3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 367.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.75 367.86 Td (\(1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 367.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 367.86 Td (7.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.50 368.00 Td (210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 354.86 Td ( Return on average tangible common equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.25 355.00 Td (1) Tj ET Q q 0 0 0 rg BT 238.75 355.00 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.25 354.86 Td (\(4.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 354.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.75 354.86 Td (\(1,270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 354.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 354.86 Td (8.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.50 355.00 Td (290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 341.86 Td ( Dividend payout ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.25 342.00 Td (23.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.75 341.86 Td (\(32.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 341.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.75 341.86 Td (\(5,020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 341.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.75 341.86 Td (18.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.50 342.00 Td (510) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 328.86 Td ( ) Tj ET Q q 0 0 0 rg BT 43.34 328.86 Td (T) Tj ET Q q 0 0 0 rg BT 48.21 328.86 Td (otal payout ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.75 329.00 Td (109.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.25 328.86 Td (\(213.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 328.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.25 328.86 Td (\(33,140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 328.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.25 328.86 Td (1) Tj ET Q q 0 0 0 rg BT 410.75 328.86 Td (17.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.50 329.00 Td (840) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 305.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 305.90 Td (2018 includes the one-time benefit of $94 million, due to the finalization of the provisional component of the impact based on Citi) Tj ET Q q 0 0 0 rg BT 473.46 305.90 Td (s analysis as well as ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 296.30 Td (additional guidance received from the U.S. ) Tj ET Q q 0 0 0 rg BT 193.36 296.30 Td (T) Tj ET Q q 0 0 0 rg BT 197.97 296.30 Td (reasury Department related to ) Tj ET Q q 0 0 0 rg BT 295.11 296.30 Td (T) Tj ET Q q 0 0 0 rg BT 299.44 296.30 Td (ax Reform, which impacted the tax line within ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 450.29 296.30 Td (Corporate/Other) Tj ET Q q 0 0 0 rg BT 503.63 296.30 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 286.70 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 286.70 Td (2017 excludes the one-time impact of ) Tj ET Q q 0 0 0 rg BT 176.48 286.70 Td (T) Tj ET Q q 0 0 0 rg BT 180.81 286.70 Td (ax Reform.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 265.10 Td (Litigation ) Tj ET Q q 0 0 0 rg BT 80.17 265.10 Td (Accruals) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 253.10 Td (See the discussion in Note 27 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 241.10 Td (Statements for information regarding Citi) Tj ET Q q 0 0 0 rg BT 204.85 241.10 Td (s policies on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 229.10 Td (establishing accruals for litigation and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 217.10 Td (contingencies.) 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 (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (FUTURE ) Tj ET Q q 0 0 0 rg BT 79.06 749.25 Td (APPLICA) Tj ET Q q 0 0 0 rg BT 122.76 749.25 Td (TION OF) Tj ET Q q 0 0 0 rg BT 164.34 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 166.29 749.25 Td (ACCOUNTING ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (ST) Tj ET Q q 0 0 0 rg BT 47.49 737.25 Td (ANDARDS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (Accounting for) Tj ET Q q 0 0 0 rg BT 99.98 713.25 Td ( Financial InstrumentsCr) Tj ET Q q 0 0 0 rg BT 218.69 713.25 Td (edit Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (In June 2016, the Financial ) Tj ET Q q 0 0 0 rg BT 146.54 701.25 Td (Accounting Standards Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (\(F) Tj ET Q q 0 0 0 rg BT 44.15 689.25 Td (ASB\) issued ) Tj ET Q q 0 0 0 rg BT 96.38 689.25 Td (ASU No. 2016-13, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 174.44 689.25 Td (Financial Instruments) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (Cr) Tj ET Q q 0 0 0 rg BT 46.19 677.25 Td (edit Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.36 677.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 92.86 677.25 Td (\(T) Tj ET Q q 0 0 0 rg BT 100.83 677.25 Td (opic 326\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.38 677.25 Td ( ) Tj ET Q q 0 0 0 rg BT 143.70 677.25 Td (The ) Tj ET Q q 0 0 0 rg BT 161.20 677.25 Td (ASU introduces a new credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (loss methodology) Tj ET Q q 0 0 0 rg BT 106.19 665.25 Td (, the Current Expected Credit Losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (\(CECL\) methodology) Tj ET Q q 0 0 0 rg BT 122.84 653.25 Td (, which requires earlier recognition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (credit losses, while also providing additional transparency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (about credit risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 617.25 Td (The CECL) Tj ET Q q 0 0 0 rg BT 97.23 617.25 Td ( methodology utilizes a lifetime expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (credit loss measurement objective for the recognition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (credit losses for loans, held-to-maturity debt securities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (other receivables measured at amortized cost at the time the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (financial asset is originated or acquired. ) Tj ET Q q 0 0 0 rg BT 197.70 569.25 Td (The allowance for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (credit losses is adjusted each period for changes in expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (lifetime credit losses. ) Tj ET Q q 0 0 0 rg BT 123.57 545.25 Td (This methodology replaces the multiple ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (existing impairment methods in current GAAP) Tj ET Q q 0 0 0 rg BT 222.36 533.25 Td (, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 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 36.00 509.25 Td (recognized. ) Tj ET Q q 0 0 0 rg BT 84.68 509.25 Td (W) Tj ET Q q 0 0 0 rg BT 93.72 509.25 Td (ithin the life cycle of a loan or other financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (asset, the ) Tj ET Q q 0 0 0 rg BT 74.60 497.25 Td (ASU will generally result in the earlier recognition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (of the provision for credit losses and the related allowance for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (credit losses than current practice.For available-for) Tj ET Q q 0 0 0 rg BT 242.10 473.25 Td (-sale debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (securities that Citi intends to hold and where fair value is less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (than cost, credit-related impairment, if any) Tj ET Q q 0 0 0 rg BT 206.12 449.25 Td (, will be recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (through an allowance for credit losses and adjusted each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (period for changes in credit risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 413.25 Td (The CECL) Tj ET Q q 0 0 0 rg BT 97.23 413.25 Td ( methodology represents a significant change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (from existing GAAP) Tj ET Q q 0 0 0 rg BT 118.96 401.25 Td ( and may result in material changes to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (Company) Tj ET Q q 0 0 0 rg BT 77.67 389.25 Td (s accounting for financial instruments. ) Tj ET Q q 0 0 0 rg BT 233.55 389.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (Company is evaluating the ef) Tj ET Q q 0 0 0 rg BT 153.01 377.25 Td (fect that ) Tj ET Q q 0 0 0 rg BT 187.44 377.25 Td (ASU 2016-13 will have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (on its Consolidated Financial Statements and related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (disclosures. ) Tj ET Q q 0 0 0 rg BT 85.26 353.25 Td (The impact of the ) Tj ET Q q 0 0 0 rg BT 158.01 353.25 Td (ASU will depend upon the state ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (of the economy) Tj ET Q q 0 0 0 rg BT 97.55 341.25 Td (, forecasted macroeconomic conditions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 329.25 Td (s portfolios at the date of adoption. Based on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (preliminary analysis performed in the fourth quarter of 2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (and forecasts of macroeconomic conditions and exposures at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (that time, the overall impact was estimated to be an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (approximate 10% to 20% increase in expected credit loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (reserves. ) Tj ET Q q 0 0 0 rg BT 73.58 269.25 Td (The ) Tj ET Q q 0 0 0 rg BT 91.07 269.25 Td (ASU will be ef) Tj ET Q q 0 0 0 rg BT 151.16 269.25 Td (fective for Citi as of January 1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (2020. ) Tj ET Q q 0 0 0 rg BT 60.82 257.25 Td (This increase would be reflected as a decrease to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (opening ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.72 245.25 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.76 245.25 Td (, net of income taxes, at January 1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (2020. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 221.25 Td (Implementation ef) Tj ET Q q 0 0 0 rg BT 127.40 221.25 Td (forts are underway) Tj ET Q q 0 0 0 rg BT 201.72 221.25 Td (, including model ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (development, fulfillment of additional data needs for new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (disclosures and reporting requirements, and drafting of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (accounting policies. Substantial progress has been made in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (model development. Model validations and user acceptance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (testing commenced in the first quarter of 2019, with parallel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (runs to begin in the third quarter of 2019. ) Tj ET Q q 0 0 0 rg BT 203.56 149.25 Td (The Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (intends to utilize a single macroeconomic scenario in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td (estimating expected credit losses. Reasonable and supportable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.25 Td (forecast periods and methods to revert to historical averages to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 Td (arrive at lifetime expected credit losses vary by product.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 89.25 Td ( For additional information on regulatory capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.25 Td (treatment, see Capital ResourcesRegulatory Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 65.25 Td (reatmentImplementation and ) Tj ET Q q 0 0 0 rg BT 169.31 65.25 Td (T) Tj ET Q q 0 0 0 rg BT 175.07 65.25 Td (ransition of the Current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.25 Td (Expected Credit Losses \(CECL\) Methodology above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Lease ) Tj ET Q q 0 0 0 rg BT 350.39 737.25 Td (Accounting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (In February 2016, the F) Tj ET Q q 0 0 0 rg BT 417.96 725.25 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 466.87 725.25 Td (ASU No. 2016-02, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 544.92 725.25 Td (Leases ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (\(T) Tj ET Q q 0 0 0 rg BT 331.97 713.25 Td (opic 842\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.02 713.25 Td (, which is intended to increase transparency and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (comparability of accounting for lease transactions. ) Tj ET Q q 0 0 0 rg BT 528.47 701.25 Td (The ) Tj ET Q q 0 0 0 rg BT 545.96 701.25 Td (ASU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (will require lessees to recognize leases on the balance sheet as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (right-of-use assets and lease liabilities and will require both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (quantitative and qualitative disclosures regarding key ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (information about leasing arrangements. Lessor accounting is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (lar) Tj ET Q q 0 0 0 rg BT 334.37 641.25 Td (gely unchanged. On January 1, 2019, the Company adopted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (the guidance prospectively with a cumulative adjustment to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.04 617.25 Td (. ) Tj ET Q q 0 0 0 rg BT 401.49 617.25 Td (At adoption, Citi recognized a lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (liability and a corresponding right-of-use asset, related to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (future minimum lease commitments of approximately $4.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (billion. ) Tj ET Q q 0 0 0 rg BT 354.56 581.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 404.46 581.25 Td (, the Company recorded a $155 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (increase in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 369.53 569.25 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.57 569.25 Td ( due to the cumulative ef) Tj ET Q q 0 0 0 rg BT 541.52 569.25 Td (fect of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (recognizing previously deferred gains on sale/leaseback ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (transactions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (Subsequent Measur) Tj ET Q q 0 0 0 rg BT 408.56 521.25 Td (ement of Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (In January 2017, the F) Tj ET Q q 0 0 0 rg BT 412.96 509.25 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 461.87 509.25 Td (ASU No. 2017-04, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (IntangiblesGoodwill and Other \(T) Tj ET Q q 0 0 0 rg BT 468.92 497.25 Td (opic 350\): Simplifying the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (T) Tj ET Q q 0 0 0 rg BT 328.64 485.25 Td (est for Goodwill Impairment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.81 485.25 Td (The ) Tj ET Q q 0 0 0 rg BT 465.30 485.25 Td (ASU simplifies the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (subsequent measurement of goodwill impairment by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (eliminating the requirement to calculate the implied fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (of goodwill \(i.e., the current Step 2 of the goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (impairment test\) to measure a goodwill impairment char) Tj ET Q q 0 0 0 rg BT 549.03 437.25 Td (ge.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.2 0.2 0.2 rg BT 560.97 437.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.2 0.2 0.2 rg BT 324.00 425.25 Td (Under ) 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 351.49 425.25 Td (the ) Tj ET Q q 0 0 0 rg BT 365.66 425.25 Td (ASU, the impairment test is the comparison of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (fair value of a reporting unit with its carrying amount \(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (current Step 1\), with the impairment char) Tj ET Q q 0 0 0 rg BT 489.04 401.25 Td (ge being the deficit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (in fair value but not exceeding the total amount of goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (allocated to that reporting unit. ) Tj ET Q q 0 0 0 rg BT 449.89 377.25 Td (The simplified one-step ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (impairment test applies to all reporting units \(including those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (with zero or negative carrying amounts\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 341.25 Td (The ) Tj ET Q q 0 0 0 rg BT 359.50 341.25 Td (ASU will be ef) Tj ET Q q 0 0 0 rg BT 419.58 341.25 Td (fective for Citi as of January 1, 2020. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (The impact of the ) Tj ET Q q 0 0 0 rg BT 396.75 329.25 Td (ASU will depend upon the performance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 317.25 Td (s reporting units and the market conditions impacting the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (fair value of each reporting unit going forward.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 281.25 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 324.00 269.25 Td (discussion of Accounting Changes.) 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 (18) 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 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 733.50 Td (PROCEDURES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 721.50 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 721.50 Td (s disclosure controls and procedures are designed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 709.50 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 36.00 697.50 Td (Securities Exchange ) Tj ET Q q 0 0 0 rg BT 119.31 697.50 Td (Act of 1934, as amended, is recorded, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 685.50 Td (processed, summarized and reported within the time periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 673.50 Td (specified in the SEC) Tj ET Q q 0 0 0 rg BT 120.71 673.50 Td (s rules and forms, including without ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 661.50 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 36.00 649.50 Td (its SEC filings is accumulated and communicated to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 637.50 Td (management, including the Chief Executive Of) Tj ET Q q 0 0 0 rg BT 224.65 637.50 Td (ficer \(CEO\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 625.50 Td (and Chief Financial Of) Tj ET Q q 0 0 0 rg BT 127.74 625.50 Td (ficer \(CFO\), as appropriate, to allow for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 613.50 Td (timely decisions regarding required disclosure.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 601.50 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 601.50 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 36.00 589.50 Td (their responsibilities to design, establish, maintain and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 577.50 Td (evaluate the ef) Tj ET Q q 0 0 0 rg BT 94.12 577.50 Td (fectiveness of Citi) Tj ET Q q 0 0 0 rg BT 169.65 577.50 Td (s disclosure controls and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 565.50 Td (procedures. ) Tj ET Q q 0 0 0 rg BT 84.69 565.50 Td (The Disclosure Committee is responsible for) Tj ET Q q 0 0 0 rg BT 263.42 565.50 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 553.50 Td (among other things, the oversight, maintenance and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 541.50 Td (implementation of the disclosure controls and procedures, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 529.50 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 54.00 517.50 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 517.50 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 36.00 505.50 Td (CFO, has evaluated the ef) Tj ET Q q 0 0 0 rg BT 139.40 505.50 Td (fectiveness of Citigroup) Tj ET Q q 0 0 0 rg BT 238.27 505.50 Td (s disclosure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 493.50 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 36.00 481.50 Td (the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 134.02 481.50 Td (Act of 1934\) as of December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.87 481.50 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.87 481.50 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 469.50 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 36.00 457.50 Td (concluded that at that date Citigroup) Tj ET Q q 0 0 0 rg BT 184.57 457.50 Td (s disclosure controls and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 445.50 Td (procedures were ef) Tj ET Q q 0 0 0 rg BT 111.88 445.50 Td (fective.) 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Our responsibility is to express an opinion on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 263.50 Td (Company) Tj ET Q q 0 0 0 rg BT 77.67 263.50 Td (s internal control over financial reporting based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 251.50 Td (our audit. ) Tj ET Q q 0 0 0 rg BT 76.64 251.50 Td (W) Tj ET Q q 0 0 0 rg BT 85.28 251.50 Td (e are a public accounting firm registered with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 239.50 Td (PCAOB and are required to be independent with respect to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 227.50 Td (Company in accordance with the U.S. federal securities laws ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 215.50 Td (and the applicable rules and regulations of the Securities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 203.50 Td (Exchange Commission and the PCAOB.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 191.50 Td (W) Tj ET Q q 0 0 0 rg BT 62.64 191.50 Td (e conducted our audit in accordance with the standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 179.50 Td (of the PCAOB. ) Tj ET Q q 0 0 0 rg BT 99.71 179.50 Td (Those standards require that we plan and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 167.50 Td (perform the audit to obtain reasonable assurance about ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 155.50 Td (whether ef) Tj ET Q q 0 0 0 rg BT 78.29 155.50 Td (fective internal control over financial reporting was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 143.50 Td (maintained in all material respects. Our audit of internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 131.50 Td (control over financial reporting included obtaining an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 119.50 Td (understanding of internal control over financial reporting, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 107.50 Td (assessing the risk that a material weakness exists, and testing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 95.50 Td (and evaluating the design and operating ef) Tj ET Q q 0 0 0 rg BT 205.20 95.50 Td (fectiveness of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 83.50 Td (internal control based on the assessed risk. Our audit also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 71.50 Td (included performing such other procedures as we considered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 59.50 Td (necessary in the circumstances. ) Tj ET Q q 0 0 0 rg BT 163.82 59.50 Td (W) Tj ET Q q 0 0 0 rg BT 172.46 59.50 Td (e believe that our audit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 47.50 Td (provides a reasonable basis for our opinion.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 673.50 Td (Definition and Limitations of Internal Contr) Tj ET Q q 0 0 0 rg BT 500.58 673.50 Td (ol Over ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 661.50 Td (Financial Reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 649.50 Td (A) Tj ET Q q 0 0 0 rg BT 330.67 649.50 Td ( company) Tj ET Q q 0 0 0 rg BT 372.60 649.50 Td (s internal control over financial reporting is a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 637.50 Td (process designed to provide reasonable assurance regarding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 625.50 Td (the reliability of financial reporting and the preparation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 613.50 Td (financial statements for external purposes in accordance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 601.50 Td (generally accepted accounting principles. ) Tj ET Q q 0 0 0 rg BT 491.43 601.50 Td (A) Tj ET Q q 0 0 0 rg BT 498.10 601.50 Td ( company) Tj ET Q q 0 0 0 rg BT 540.03 601.50 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 589.50 Td (internal control over financial reporting includes those policies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 577.50 Td (and procedures that \(1\)pertain to the maintenance of records ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 565.50 Td (that, in reasonable detail, accurately and fairly reflect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 553.50 Td (transactions and dispositions of the assets of the company; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 541.50 Td (\(2\)provide reasonable assurance that transactions are recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 529.50 Td (as necessary to permit preparation of financial statements in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 517.50 Td (accordance with generally accepted accounting principles, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 505.50 Td (that receipts and expenditures of the company are being made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 493.50 Td (only in accordance with authorizations of management and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 481.50 Td (directors of the company; and \(3\)provide reasonable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 469.50 Td (assurance regarding prevention or timely detection of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 457.50 Td (unauthorized acquisition, use, or disposition of the company) Tj ET Q q 0 0 0 rg BT 568.12 457.50 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 445.50 Td (assets that could have a material ef) Tj ET Q q 0 0 0 rg BT 463.20 445.50 Td (fect on the financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 433.50 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 421.50 Td (Because of its inherent limitations, internal control over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 409.50 Td (financial reporting may not prevent or detect misstatements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 397.50 Td (Also, projections of any evaluation of ef) Tj ET Q q 0 0 0 rg BT 485.16 397.50 Td (fectiveness to future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 385.50 Td (periods are subject to the risk that controls may become ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 373.50 Td (inadequate because of changes in conditions, or that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 361.50 Td (degree of compliance with the policies or procedures may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 349.50 Td (deteriorate.) 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 324 300.1669921875 m 384.9375 300.1669921875 l s q 0 0 0 rg BT 324.00 301.50 Td (/s/ KPMG LLP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 289.50 Td (New ) Tj ET Q q 0 0 0 rg BT 345.01 289.50 Td (Y) Tj ET Q q 0 0 0 rg BT 351.23 289.50 Td (ork, New ) Tj ET Q q 0 0 0 rg BT 390.57 289.50 Td (Y) Tj ET Q q 0 0 0 rg BT 396.79 289.50 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 277.50 Td (February22, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.60 277.50 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.60 277.50 Td ( ) 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 (122) 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 (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 107.79 733.50 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 202.80 733.50 Td ( ST) Tj ET Q q 0 0 0 rg BT 219.59 733.50 Td (A) Tj ET Q q 0 0 0 rg BT 227.37 733.50 Td (TEMENTS) Tj ET Q /GS0 gs q 72.00 0 0 33.00 36.00 695.50 cm /I45 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 /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 635.50 Td (Opinion on the Consolidated Financial Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 623.50 Td (W) Tj ET Q q 0 0 0 rg BT 44.64 623.50 Td (e have audited the accompanying consolidated balance sheet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 611.50 Td (of Citigroup Inc. and subsidiaries \(the Company\) as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 599.50 Td (December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.58 599.50 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 599.50 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.02 599.50 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.02 599.50 Td (, and the related consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 587.50 Td (statements of income, comprehensive income, changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 575.50 Td (stockholders) Tj ET Q q 0 0 0 rg BT 89.13 575.50 Td ( equity and cash flows for each of the years in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 563.50 Td (three-year period ended December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.03 563.50 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.03 563.50 Td (, and the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 551.50 Td (notes \(collectively) Tj ET Q q 0 0 0 rg BT 108.93 551.50 Td (, the consolidated financial statements\). 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Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 673.50 Td (Basis for Opinion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 661.50 Td (These consolidated financial statements are the responsibility ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 649.50 Td (of the Company) Tj ET Q q 0 0 0 rg BT 391.21 649.50 Td (s management. Our responsibility is to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 637.50 Td (express an opinion on these consolidated financial statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 625.50 Td (based on our audits. ) Tj ET Q q 0 0 0 rg BT 406.30 625.50 Td (W) Tj ET Q q 0 0 0 rg BT 414.94 625.50 Td (e are a public accounting firm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 613.50 Td (registered with the PCAOB and are required to be independent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 601.50 Td (with respect to the Company in accordance with the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 589.50 Td (federal securities laws and the applicable rules and regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 577.50 Td (of the Securities and Exchange Commission and the PCAOB.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 565.50 Td (W) Tj ET Q q 0 0 0 rg BT 350.64 565.50 Td (e conducted our audits in accordance with the standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 553.50 Td (of the PCAOB. ) Tj ET Q q 0 0 0 rg BT 387.71 553.50 Td (Those standards require that we plan and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 541.50 Td (perform the audit to obtain reasonable assurance about ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 529.50 Td (whether the consolidated financial statements are free of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 517.50 Td (material misstatement, whether due to error or fraud. Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 505.50 Td (audits included performing procedures to assess the risks of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 493.50 Td (material misstatement of the consolidated financial statements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 481.50 Td (whether due to error or fraud, and performing procedures that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 469.50 Td (respond to those risks. Such procedures included examining, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 457.50 Td (on a test basis, evidence supporting the amounts and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 445.50 Td (disclosures in the consolidated financial statements. Our audits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 433.50 Td (also included evaluating the accounting principles used and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 421.50 Td (significant estimates made by management, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 409.50 Td (evaluating the overall presentation of the consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 397.50 Td (financial statements. ) Tj ET Q q 0 0 0 rg BT 408.51 397.50 Td (W) Tj ET Q q 0 0 0 rg BT 417.15 397.50 Td (e believe that our audits provide a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 385.50 Td (reasonable basis for our opinion.) 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 324 336.1669921875 m 384.9375 336.1669921875 l s q 0 0 0 rg BT 324.00 337.50 Td (/s/ KPMG LLP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 308.10 Td (W) Tj ET Q q 0 0 0 rg BT 332.64 308.10 Td (e have served as the Company) Tj ET Q q 0 0 0 rg BT 456.76 308.10 Td (s auditor since 1969.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 284.10 Td (New ) Tj ET Q q 0 0 0 rg BT 345.01 284.10 Td (Y) Tj ET Q q 0 0 0 rg BT 351.23 284.10 Td (ork, New ) Tj ET Q q 0 0 0 rg BT 390.57 284.10 Td (Y) Tj ET Q q 0 0 0 rg BT 396.79 284.10 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 272.10 Td (February 22, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.60 272.10 Td (2019) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 247 0 obj <><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><>] /Rotate 0 /Contents 248 0 R>> endobj 248 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 (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 (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 92.84 720.80 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 164.10 720.80 Td ( ST) Tj ET Q q 0 0 0 rg BT 176.69 720.80 Td (A) Tj ET Q q 0 0 0 rg BT 182.53 720.80 Td (TEMENTS) 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, 2018, 2017 and 2016) 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, 2018, 2017 and 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 659.86 Td (Consolidated Balance SheetDecember 31, 2018 and 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 646.66 Td (Consolidated Statement of Changes in Stockholders) Tj ET Q q 0 0 0 rg BT 228.55 646.66 Td ( Equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 637.66 Td (For the ) Tj ET Q q 0 0 0 rg BT 84.66 637.66 Td (Y) Tj ET Q q 0 0 0 rg BT 90.26 637.66 Td (ears Ended December 31, 2018, 2017 and 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 624.86 Td (Consolidated Statement of Cash Flows) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 615.86 Td (For the ) Tj ET Q q 0 0 0 rg BT 75.66 615.86 Td (Y) Tj ET Q q 0 0 0 rg BT 81.26 615.86 Td (ears Ended December 31, 2018, 2017 and 2016) Tj ET Q BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 563.85 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 70.60 563.85 Td (T) Tj ET Q q 0 0 0 rg BT 76.44 563.85 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 139.53 563.85 Td (TED FINANCIAL) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 47.00 554.85 Td (ST) Tj ET Q q 0 0 0 rg BT 57.34 554.85 Td (A) Tj ET Q q 0 0 0 rg BT 63.17 554.85 Td (TEMENTS) 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 267.00 554.86 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 38.00 541.66 Td (Note 1Summary of Significant ) Tj ET Q q 0 0 0 rg BT 159.73 541.66 Td (Accounting Policies) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 527.66 Td (Note 2Discontinued Operations and Significant Disposals) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 513.66 Td (Note 3Business Segments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 499.66 Td (Note 4Interest Revenue and Expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 485.66 Td (Note 5Commissions and Fees; ) Tj ET Q q 0 0 0 rg BT 158.50 485.66 Td (Administration and Other ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 476.66 Td ( Fiduciary Fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 461.66 Td (Note 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BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 340.66 Td (Note 14Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 326.66 Td (Note 15Allowance for Credit Losses) 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 16Goodwill and Intangible ) Tj ET Q q 0 0 0 rg BT 453.73 538.66 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 524.66 Td (Note 17Debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 510.66 Td (Note 18Regulatory Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 496.66 Td (Note 19Changes in ) Tj ET Q q 0 0 0 rg BT 405.99 496.66 Td (Accumulated Other Comprehensive) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 487.66 Td ( Income \(Loss\) \(AOCI\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 473.66 Td (Note 20Preferred Stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 459.66 Td (Note 21Securitizations and ) Tj ET Q q 0 0 0 rg BT 434.56 459.66 Td (V) Tj ET Q q 0 0 0 rg BT 440.06 459.66 Td (ariable Interest Entities) Tj ET Q BT /F1 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1 rg BT 270.50 512.86 Td (146) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 270.5 497.66005859374997 m 284 497.66005859374997 l s q 0 0 1 rg BT 270.50 498.86 Td (147) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 270.5 473.66005859374997 m 284 473.66005859374997 l s q 0 0 1 rg BT 270.50 474.86 Td (148) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 270.5 459.66005859374997 m 284 459.66005859374997 l s q 0 0 1 rg BT 270.50 460.86 Td (151) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 270.5 445.66005859374997 m 284 445.66005859374997 l 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377 172.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 186.75 m 476 186.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377 172.75 m 476 172.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 186.75 m 575 186.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 476 172.75 m 575 172.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278 128.75 m 377 128.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 128.75 m 476 128.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 128.75 m 575 128.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 128.75 m 278 128.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36 114.75 m 278 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278 128.75 m 377 128.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 278 114.75 m 377 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 128.75 m 476 128.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377 114.75 m 476 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 128.75 m 575 128.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 476 114.75 m 575 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 278 114.75 m 377 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377 114.75 m 476 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 476 114.75 m 575 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278 100.25 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 100.25 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 100.25 m BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.30 702.20 Td (Y) Tj ET Q q 0 0 0 rg BT 381.30 702.20 Td (ears ended December) Tj ET Q q 0 0 0 rg BT 463.19 702.20 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.50 688.00 Td (In millions of dollars, except per shar) Tj ET Q q 0 0 0 rg BT 158.86 688.00 Td (e amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 688.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 688.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 688.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 674.20 Td (Revenues) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 75.00 678.28 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 674.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 674.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 674.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 660.21 Td (Interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 660.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 660.20 Td (70,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 660.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 660.21 Td (61,579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 660.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 660.21 Td (57,988) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 646.21 Td (Interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 646.20 Td (24,266) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 646.21 Td (16,518) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 646.21 Td (12,512) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 632.20 Td (Net inter) Tj ET Q q 0 0 0 rg BT 72.65 632.20 Td (est r) Tj ET Q q 0 0 0 rg BT 89.23 632.20 Td (evenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 632.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 632.20 Td (46,562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 632.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 632.21 Td (45,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 632.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 632.21 Td (45,476) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 618.21 Td (Commissions and fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 618.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 618.20 Td (1) Tj ET Q q 0 0 0 rg BT 353.25 618.20 Td (1,857) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 618.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 618.21 Td (12,707) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 618.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 618.21 Td (1) Tj ET Q q 0 0 0 rg BT 551.25 618.21 Td (1,678) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 604.21 Td (Principal transactions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.25 604.20 Td (9,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 604.21 Td (9,475) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 604.21 Td (7,857) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 590.21 Td (Administration and other fiduciary fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.25 590.20 Td (3,580) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 590.21 Td (3,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 590.21 Td (3,294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 576.21 Td (Realized gains on sales of investments, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 576.20 Td (421) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.00 576.21 Td (778) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 576.21 Td (949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 562.21 Td (Impairment losses on investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 562.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 562.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 548.21 Td (Gross impairment losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 548.20 Td (\(132) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.50 548.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.50 548.21 Td (\(63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 548.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 548.21 Td (\(620) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 548.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 534.21 Td (Net impairment losses recognized in earnings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 534.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 534.20 Td (\(132) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.50 534.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 534.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.50 534.21 Td (\(63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 534.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 534.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 534.21 Td (\(620) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 534.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 520.21 Td (Other revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 520.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.25 520.20 Td (1,504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 520.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.00 520.21 Td (902) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 520.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 520.21 Td (2,163) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 506.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.09 506.20 Td (otal non-inter) Tj ET Q q 0 0 0 rg BT 96.34 506.20 Td (est r) Tj ET Q q 0 0 0 rg BT 112.92 506.20 Td (evenues) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 506.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 506.20 Td (26,292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 506.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 506.21 Td (27,383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 506.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 506.21 Td (25,321) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 492.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.09 492.20 Td (otal r) Tj ET Q q 0 0 0 rg BT 64.34 492.20 Td (evenues, net of inter) Tj ET Q q 0 0 0 rg BT 141.16 492.20 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 492.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 492.20 Td (72,854) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 492.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 492.21 Td (72,444) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 492.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 492.21 Td (70,797) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 478.20 Td (Pr) Tj ET Q q 0 0 0 rg BT 47.91 478.20 Td (ovisions for) Tj ET Q q 0 0 0 rg BT 92.00 478.20 Td ( cr) Tj ET Q q 0 0 0 rg BT 102.08 478.20 Td (edit losses and for) Tj ET Q q 0 0 0 rg BT 170.67 478.20 Td ( benefits and claims) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 478.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 478.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 478.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 464.21 Td (Provision for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 464.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.25 464.20 Td (7,354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 464.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 464.21 Td (7,503) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 464.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 464.21 Td (6,749) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 450.21 Td (Policyholder benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 450.20 Td (101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.00 450.21 Td (109) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 450.21 Td (204) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 436.21 Td (Provision \(release\) for unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 436.20 Td (1) Tj ET Q q 0 0 0 rg BT 364.50 436.20 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 436.21 Td (\(161) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 436.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 436.21 Td (29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 422.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.09 422.20 Td (otal pr) Tj ET Q q 0 0 0 rg BT 69.34 422.20 Td (ovisions for) Tj ET Q q 0 0 0 rg BT 113.43 422.20 Td ( cr) Tj ET Q q 0 0 0 rg BT 123.51 422.20 Td (edit losses and for) Tj ET Q q 0 0 0 rg BT 192.10 422.20 Td ( benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 422.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.25 422.20 Td (7,568) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 422.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 422.21 Td (7,451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 422.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 422.21 Td (6,982) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 408.20 Td (Operating expenses) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 113.75 412.28 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 408.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 408.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 408.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 394.21 Td (Compensation and benefits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 394.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 394.20 Td (21,154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 394.21 Td (21,181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 394.21 Td (20,970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 380.21 Td (Premises and equipment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.25 380.20 Td (2,324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 380.21 Td (2,453) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 380.21 Td (2,542) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 366.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.68 366.21 Td (echnology/communication) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.25 366.20 Td (7,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 366.21 Td (6,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 366.21 Td (6,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 352.21 Td (Advertising and marketing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.25 352.20 Td (1,545) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 352.21 Td (1,608) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 352.21 Td (1,632) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 338.21 Td (Other operating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.25 338.20 Td (9,625) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 338.21 Td (10,081) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 338.21 Td (10,493) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 324.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.09 324.20 Td (otal operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 324.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 324.20 Td (41,841) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 324.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 324.21 Td (42,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 324.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 324.21 Td (42,338) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 310.20 Td (Income fr) Tj ET Q q 0 0 0 rg BT 76.15 310.20 Td (om continuing operations befor) Tj ET Q q 0 0 0 rg BT 196.74 310.20 Td (e income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 310.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 310.20 Td (23,445) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 310.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 310.21 Td (22,761) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 310.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 310.21 Td (21,477) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 296.21 Td (Provision for income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.25 296.20 Td (5,357) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 296.21 Td (29,388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 296.21 Td (6,444) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 282.20 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 98.40 282.20 Td (om continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 282.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 282.20 Td (18,088) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 282.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.25 282.21 Td (\(6,627) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 282.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 282.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 282.21 Td (15,033) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 268.20 Td (Discontinued operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 268.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 268.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 268.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 254.21 Td (Loss from discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 254.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 254.20 Td (\(26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.50 254.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 254.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 254.21 Td (\(104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 254.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 254.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 254.21 Td (\(80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 254.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 240.21 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 240.20 Td (\(18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.50 240.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 240.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 240.21 Td (\(22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 240.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 226.20 Td (Loss fr) Tj ET Q q 0 0 0 rg BT 65.17 226.20 Td (om discontinued operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 226.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 226.20 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.50 226.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 226.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 226.21 Td (\(1) Tj ET Q q 0 0 0 rg BT 463.50 226.21 Td (1) Tj ET Q q 0 0 0 rg BT 468.00 226.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 226.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 226.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 226.21 Td (\(58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 226.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 213.15 Td (Net income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 126.64 213.15 Td (e attribution of noncontr) Tj ET Q q 0 0 0 rg BT 221.73 213.15 Td (olling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 204.15 Td (inter) Tj ET Q q 0 0 0 rg BT 56.91 204.15 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 205.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 205.20 Td (18,080) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 205.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.25 205.21 Td (\(6,738) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 205.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 205.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 205.21 Td (14,975) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 191.21 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.50 191.20 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.50 191.21 Td (60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 191.21 Td (63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 177.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 61.41 177.20 Td (oup) Tj ET Q q 0 0 0 rg BT 78.67 177.20 Td (s net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 177.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 177.20 Td (18,045) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 177.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.25 177.21 Td (\(6,798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 177.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 177.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 177.21 Td (14,912) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 161.20 Td (Basic earnings per) Tj ET Q q 0 0 0 rg BT 109.34 161.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 128.43 161.20 Td (e) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 132.42 165.28 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 161.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 161.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 161.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 147.21 Td (Income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 87.74 147.21 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 89.99 147.21 Td (from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 147.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.75 147.20 Td (6.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 147.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.75 147.21 Td (\(2.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 147.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 147.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.75 147.21 Td (4.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 133.21 Td (Loss from discontinued operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.50 133.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.75 133.21 Td (\(0.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 133.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 133.21 Td (\(0.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 133.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 119.20 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 119.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.75 119.20 Td (6.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 119.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.75 119.21 Td (\(2.98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 119.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 119.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.75 119.21 Td (4.72) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 105.20 Td (W) Tj ET Q q 0 0 0 rg BT 47.00 105.20 Td (eighted average common shar) Tj ET Q q 0 0 0 rg BT 161.57 105.20 Td (es outstanding ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 219.08 105.20 Td (\(in millions\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 105.20 Td (2,493.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 105.21 Td (2,698.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 105.21 Td (2,888.1) 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 (125) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 662.50 242.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.00 662.50 99.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 662.50 99.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.00 662.50 99.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 634.50 242.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.00 634.50 99.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 634.50 99.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.00 634.50 99.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 278 728 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377 728 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 476 728 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278 690.5 m 377 690.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 690.5 m 476 690.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 690.5 m 575 690.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 676.5 m 278 676.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278 690.5 m 377 690.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278 676.5 m 377 676.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 676.5 m 476 676.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 676.5 m 575 676.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278 634.5 m 377 634.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 634.5 m 476 634.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 634.5 m 575 634.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 634.5 m 278 634.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36 620.5 m 278 620.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278 634.5 m 377 634.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 278 620.5 m 377 620.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 634.5 m 476 634.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377 620.5 m 476 620.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 634.5 m 575 634.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 476 620.5 m 575 620.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36 598.5 m 278 598.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 278 620.5 m 377 620.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 278 598.5 m 377 598.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377 620.5 m 476 620.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377 598.5 m 476 598.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 476 620.5 m 575 620.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 476 598.5 m 575 598.5 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 38.50 718.23 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 98.32 718.23 Td (TED ST) Tj ET Q q 0 0 0 rg BT 132.88 718.23 Td (A) Tj ET Q q 0 0 0 rg BT 139.35 718.23 Td (TEMENT) Tj ET Q q 0 0 0 rg BT 182.51 718.23 Td ( OF) Tj ET Q q 0 0 0 rg BT 198.53 718.23 Td ( INCOME) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 38.50 708.23 Td (\(Continued\)) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 445.75 718.06 Td (Citigr) Tj ET Q q 0 0 0 rg BT 469.28 718.06 Td (oupInc. and Subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.30 694.95 Td (Y) Tj ET Q q 0 0 0 rg BT 381.30 694.95 Td (ears ended December) Tj ET Q q 0 0 0 rg BT 463.19 694.95 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.50 680.75 Td (In millions of dollars, except per shar) Tj ET Q q 0 0 0 rg BT 158.86 680.75 Td (e amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 680.95 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 680.96 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 680.96 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 666.95 Td (Diluted earnings per) Tj ET Q q 0 0 0 rg BT 117.34 666.95 Td ( shar) Tj ET Q q 0 0 0 rg BT 136.43 666.95 Td (e) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 140.42 671.03 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 666.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 666.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 666.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 652.96 Td (Income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 87.74 652.96 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 89.99 652.96 Td (from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 652.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.75 652.95 Td (6.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 652.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.75 652.96 Td (\(2.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 652.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 652.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.75 652.96 Td (4.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 638.96 Td (Income \(loss\) from discontinued operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.50 638.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.75 638.96 Td (\(0.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 638.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 638.96 Td (\(0.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 638.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 624.95 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 624.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.75 624.95 Td (6.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 624.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.75 624.96 Td (\(2.98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 624.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 624.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.75 624.96 Td (4.72) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 611.20 Td (Adjusted weighted average common shar) Tj ET Q q 0 0 0 rg BT 196.82 611.20 Td (es outstanding ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.50 602.75 Td ( \(in millions\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 602.95 Td (2,494.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 602.96 Td (2,698.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 602.96 Td (2,888.3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 579.80 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 579.80 Td (Certain prior) Tj ET Q q 0 0 0 rg BT 94.94 579.80 Td (-period revenue and expense lines and totals were reclassified to conform to the current period) Tj ET Q q 0 0 0 rg BT 399.27 579.80 Td (s presentation. See Notes 1 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.24 579.80 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.24 579.80 Td ( to the Consolidated ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 570.20 Td (Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 560.60 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 560.60 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 BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 540.60 Td (The Notes to the Consolidated Financial Statements are an integral part of these Consolidated Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 38.00 487.78 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 97.82 487.78 Td (TED ST) Tj ET Q q 0 0 0 rg BT 132.38 487.78 Td (A) Tj ET Q q 0 0 0 rg BT 138.85 487.78 Td (TEMENT) Tj ET Q q 0 0 0 rg BT 182.01 487.78 Td ( OF) Tj ET Q q 0 0 0 rg BT 198.03 487.78 Td ( COMPREHENSIVE INCOME) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 446.25 487.81 Td (Citigr) Tj ET Q q 0 0 0 rg BT 469.78 487.81 Td (oupInc. and Subsidiaries) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 441.10 339.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 441.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 441.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 441.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 413.10 339.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 413.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 413.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 413.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 385.10 339.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 385.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 385.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 385.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 357.10 339.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 357.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 357.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 357.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 329.10 339.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 329.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 329.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 329.10 67.00 -14.00 re f /GS0 gs 0.8 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ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.50 445.55 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 445.56 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 445.56 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 431.55 Td (Citigr) Tj ET Q q 0 0 0 rg BT 61.91 431.55 Td (oup) Tj ET Q q 0 0 0 rg BT 79.17 431.55 Td (s net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 431.55 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.25 431.55 Td (18,045) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 431.56 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 431.56 Td (\(6,798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 431.56 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 431.56 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 431.56 Td (14,912) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 417.55 Td (Add: Citigr) Tj ET Q q 0 0 0 rg BT 83.67 417.55 Td (oup) Tj ET Q q 0 0 0 rg BT 100.93 417.55 Td (s other) Tj ET Q q 0 0 0 rg BT 126.92 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BT 204.71 365.64 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 361.55 Td (\(74) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 361.55 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 361.56 Td (\(1,019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 361.56 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 361.56 Td (\(48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 361.56 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 347.56 Td (Net change in foreign currency translation adjustment, net of taxes and hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 347.55 Td (\(2,362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 347.55 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 347.56 Td (\(202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 347.56 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 347.56 Td (\(2,802) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 347.56 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 334.36 Td (Net change 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291.56 Td (Add: Other comprehensive income \(loss\) attributable to noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 291.55 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 291.55 Td (\(43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 291.55 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 291.56 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 291.56 Td (1) Tj ET Q q 0 0 0 rg BT 497.00 291.56 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 291.56 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 291.56 Td (\(56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 291.56 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 277.56 Td (Add: Net income attributable to noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 277.55 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 277.56 Td (60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 277.56 Td (63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 263.55 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 263.55 Td (otal compr) Tj ET Q q 0 0 0 rg BT 85.75 263.55 Td (ehensive income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 263.55 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.25 263.55 Td (15,538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 263.56 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 263.56 Td (\(9,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 263.56 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 263.56 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 263.56 Td (1) Tj ET Q q 0 0 0 rg BT 552.75 263.56 Td (1,897) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 244.00 Td (\(1\)See Note 1 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 234.40 Td (\(2\)See Note ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 84.43 234.40 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 88.43 234.40 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 224.80 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 224.80 Td (Includes the impact of ) Tj ET Q q 0 0 0 rg BT 126.87 224.80 Td (ASU 2018-02, adopted in 2017. See Note 1 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 215.20 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 215.20 Td (For the year ended December 31, 2018, amount represents the net change in unrealized gains and losses on available-for) Tj ET Q q 0 0 0 rg BT 439.04 215.20 Td (-sale \(AFS\) debt securities. 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/GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 476.50 388.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 476.50 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 476.50 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 448.50 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 448.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 448.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 422.50 388.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 422.50 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 422.50 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 376.50 388.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 376.50 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 376.50 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 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 36.5 706.5 m 424.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 706.5 m 500.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 706.5 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 424.5 530.5 m 500.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 530.5 m 576.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 530.5 m 424.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 530.5 m 500.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 530.5 m 576.5 530.5 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 424.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 476.5 m 500.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 476.5 m 576.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 476.5 m 500.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 476.5 m 576.5 476.5 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 424.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 448.5 m 500.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 448.5 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 424.5 448.5 m 500.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 448.5 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 36.5 376.5 m 424.5 376.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 362.5 m 424.5 362.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 376.5 m 500.5 376.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 362.5 m 500.5 362.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 376.5 m 576.5 376.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 362.5 m 576.5 362.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.80 721.95 Td (December) Tj ET Q q 0 0 0 rg BT 512.69 721.95 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 710.75 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 710.90 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 710.76 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 39.00 697.23 Td (Assets) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 497.00 697.26 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 573.00 697.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 685.76 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 427.00 685.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 685.90 Td (23,645) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 685.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 685.76 Td (23,775) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 673.76 Td (Deposits with banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 673.90 Td (164,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 673.76 Td (156,741) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 659.96 Td (Federal funds sold and securities borrowed and purchased under agreements to resell \(including $147,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 650.96 Td (and $132,949 as of December31, 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 272.65 650.96 Td (, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 650.95 Td (270,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 650.96 Td (232,478) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 637.76 Td (Brokerage receivables) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 637.90 Td (35,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 637.76 Td (38,384) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 623.96 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 623.96 Td (rading account assets \(including $1) Tj ET Q q 0 0 0 rg BT 170.98 623.96 Td (12,932 and $99,460 pledged to creditors at December31, 2018 and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 614.96 Td (2017, respectively\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 614.95 Td (256,1) Tj ET Q q 0 0 0 rg BT 488.00 614.95 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 614.96 Td (252,790) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 601.76 Td (Investments:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 588.96 Td ( ) Tj ET Q q 0 0 0 rg BT 43.25 588.96 Td (A) Tj ET Q q 0 0 0 rg BT 49.17 588.96 Td (vailable-for) Tj ET Q q 0 0 0 rg BT 90.72 588.96 Td (-sale debt securities \(including $9,289 and $9,493 pledged to creditors as of December31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 579.96 Td (2018 and 2017, respectively\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 579.95 Td (288,038) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 579.96 Td (290,725) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 566.76 Td (Held-to-maturity debt securities \(including $971 and $435 pledged to creditors as of December31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 557.76 Td (2018 and 2017, respectively\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 557.95 Td (63,357) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 557.96 Td (53,320) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 543.96 Td (Equity securities \(including $1,109 and $1,395 at fair value as of December31, 2018 and 2017,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 534.96 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.19 534.96 Td (, of which $189 was available for sale as of December 31, 2017\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.75 534.95 Td (7,212) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 534.96 Td (8,245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 521.76 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 521.76 Td (otal investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 521.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 521.90 Td (358,607) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 521.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 521.76 Td (352,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 508.76 Td (Loans:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 508.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 508.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 494.96 Td (Consumer \(including $20 and $25 as of December31, 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 343.64 494.96 Td (, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 494.95 Td (330,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 494.96 Td (333,656) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 480.96 Td (Corporate \(including $3,203 and $4,349 as of December31, 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 364.83 480.96 Td (, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 480.95 Td (353,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 480.96 Td (333,378) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 466.96 Td (Loans, net of unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 466.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 466.95 Td (684,196) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 466.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 466.96 Td (667,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 452.96 Td (Allowance for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 452.95 Td (\(12,315) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 452.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 452.96 Td (\(12,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 452.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 439.76 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 439.76 Td (otal loans, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 439.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 439.90 Td (671,881) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 439.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 439.76 Td (654,679) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 426.76 Td (Goodwill) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 426.90 Td (22,046) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 426.76 Td (22,256) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 412.96 Td (Intangible assets \(including MSRs of $584 and $558 as of December 31, 2018 and 2017, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 403.96 Td ( respectively) Tj ET Q q 0 0 0 rg BT 86.40 403.96 Td (, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.75 403.95 Td (5,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 403.96 Td (5,146) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 389.96 Td (Other assets \(including $20,788 and $18,559 as of December31, 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 375.59 389.96 Td (, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 380.96 Td ( at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 380.95 Td (109,273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 380.96 Td (103,926) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 366.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 366.95 Td (otal assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 366.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 366.95 Td (1,917,383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 366.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 366.96 Td (1,842,465) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 339.00 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 36.00 327.00 Td (Consolidated Balance Sheet above. ) Tj ET Q q 0 0 0 rg BT 179.39 327.00 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 36.00 315.00 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 88.86 315.00 Td (VIEs, presented on the following page, and are in excess of those obligations. ) Tj ET Q q 0 0 0 rg BT 401.56 315.00 Td (Additionally) Tj ET Q q 0 0 0 rg BT 451.46 315.00 Td (, the assets in the table below ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 303.00 Td (include third-party assets of consolidated ) Tj ET Q q 0 0 0 rg BT 202.72 303.00 Td (VIEs only and exclude intercompany balances that eliminate in consolidation.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 267.50 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 267.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 267.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 241.50 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 241.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 241.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 215.50 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 215.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 215.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 189.50 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 189.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 189.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 163.50 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 163.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 163.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 137.50 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 137.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 137.50 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 424.5 280.5 m 498.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 280.5 m 572.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 267.5 m 424.5 267.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 280.5 m 498.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 267.5 m 498.5 267.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 267.5 m 572.5 267.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 176.5 m 424.5 176.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 176.5 m 498.5 176.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 176.5 m 572.5 176.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 176.5 m 498.5 176.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 176.5 m 572.5 176.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 150.5 m 424.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 150.5 m 498.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 150.5 m 572.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 150.5 m 498.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 150.5 m 572.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 124.5 m 498.5 124.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 124.5 m 572.5 124.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 124.5 m 424.5 124.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 111.5 m 424.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 124.5 m 498.5 124.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 111.5 m 498.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 124.5 m 572.5 124.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 111.5 m 572.5 111.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.80 283.90 Td (December) Tj ET Q q 0 0 0 rg BT 510.69 283.90 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 271.75 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 271.90 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 271.76 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 258.90 Td (Assets of consolidated ) Tj ET Q q 0 0 0 rg BT 125.17 258.90 Td (VIEs to be used to settle obligations of consolidated ) Tj ET Q q 0 0 0 rg BT 323.77 258.90 Td (VIEs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 258.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.00 258.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 245.76 Td (Cash and due from banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 245.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.50 245.90 Td (270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 245.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 245.76 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 232.76 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 232.76 Td (rading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.50 232.90 Td (917) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 232.76 Td (1,129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 219.76 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.75 219.90 Td (1,796) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 219.76 Td (2,498) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 206.76 Td (Loans, net of unearned income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 206.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.00 206.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 193.76 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.25 193.90 Td (49,403) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 193.76 Td (54,656) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 180.76 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.25 180.90 Td (19,259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 180.76 Td (19,835) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 167.76 Td (Loans, net of unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 167.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.25 167.90 Td (68,662) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 167.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 167.76 Td (74,491) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 154.76 Td (Allowance for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 154.90 Td (\(1,852) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 154.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.75 154.76 Td (\(1,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.00 154.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 141.76 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 141.76 Td (otal loans, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 141.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.25 141.90 Td (66,810) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 141.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 141.76 Td (72,561) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 128.76 Td (Other assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.50 128.90 Td (151) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 128.76 Td (154) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 115.90 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 115.90 Td (otal assets of consolidated ) Tj ET Q q 0 0 0 rg BT 145.01 115.90 Td (VIEs to be used to settle obligations of consolidated ) Tj ET Q q 0 0 0 rg BT 343.61 115.90 Td (VIEs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 115.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.25 115.90 Td (69,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 115.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 115.76 Td (76,394) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.15 92.00 Td (Statement continues on the next page.) Tj ET Q endstream endobj 255 0 obj <> endobj 256 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (127) 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) Tj ET Q q 0 0 0 rg BT 512.69 719.35 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 707.90 Td (Inmillionsofdollars,exceptshar) Tj ET Q q 0 0 0 rg BT 146.70 707.90 Td (esandpershar) Tj ET Q q 0 0 0 rg BT 195.95 707.90 Td (eamounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 707.35 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 707.21 Td (2017) 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. of) Tj ET Q q 0 0 0 rg BT 182.89 682.21 Td (fices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 682.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 682.35 Td (105,836) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 682.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 682.21 Td (126,880) 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. of) Tj ET Q q 0 0 0 rg BT 164.89 668.41 Td (fices \(including $717 and $303 as of December31, 2018 and 2017,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 659.41 Td (respectively) Tj ET Q q 0 0 0 rg BT 91.19 659.41 Td (, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 659.40 Td (361,573) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 659.41 Td (318,613) 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 of) Tj ET Q q 0 0 0 rg BT 164.64 646.21 Td (fices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 646.35 Td (80,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 646.21 Td (87,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 632.41 Td (Interest-bearing deposits in of) Tj ET Q q 0 0 0 rg BT 146.64 632.41 Td (fices outside the U.S. \(including $758 and $1,162 as of December31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 623.41 Td (and 2017, respectively) Tj ET Q q 0 0 0 rg BT 128.93 623.41 Td (, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 623.40 Td (465,1) Tj ET Q q 0 0 0 rg BT 488.00 623.40 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 623.41 Td (426,889) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 610.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 610.21 Td (otal deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 610.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 610.35 Td (1,013,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 610.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 610.21 Td (959,822) 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 and sold under agreements to repurchase \(including) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 588.41 Td ($44,510 and $40,638 as of December31, 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 299.35 588.41 Td (, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 588.40 Td (177,768) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 588.41 Td (156,277) 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 (64,571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 575.21 Td (61,342) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 563.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 563.21 Td (rading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 563.35 Td (144,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 563.21 Td (125,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 549.41 Td (Short-term borrowings \(including $4,483 and $4,627 as of December31, 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 405.09 549.41 Td (, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 540.41 Td ( at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 540.40 Td (32,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 540.41 Td (44,452) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 525.41 Td (Long-term debt \(including $38,229 and $31,392 as of December31, 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 388.08 525.41 Td (, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 516.41 Td ( at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 516.40 Td (231,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 516.41 Td (236,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 501.41 Td (Other liabilities \(including $15,906 and $13,961 as of December31, 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 388.08 501.41 Td (, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 492.41 Td ( at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 492.40 Td (56,150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 492.41 Td (57,021) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 479.35 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 479.35 Td (otal liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 479.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 479.35 Td (1,720,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 479.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 479.21 Td (1,640,793) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 467.35 Td (Stockholders) Tj ET Q q 0 0 0 rg BT 91.67 467.35 Td ( 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 (738,400 as of December) Tj ET Q q 0 0 0 rg BT 413.98 454.26 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 445.40 Td (31, 2018 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 81.75 445.40 Td (and 770,120 as of December31, 2017, at aggregate liquidation value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 445.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 445.40 Td (18,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 445.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 445.41 Td (19,253) 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 316.69 431.26 Td (3,099,567,177 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, 2018 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 122.81 422.40 Td (and 3,099,523,273 as of December31, 2017) 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 (107,922) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 409.21 Td (108,008) 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 (151,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 397.21 Td (138,425) 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 ( 731,099,833 shar) Tj ET Q q 0 0 0 rg BT 188.50 384.41 Td (es as of December) Tj ET Q q 0 0 0 rg BT 257.06 384.41 Td (31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.81 384.41 Td ( and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.05 384.41 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.30 384.41 Td (529,614,728 shares as of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 375.41 Td ( December31, 2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 375.40 Td (\(44,370) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 375.40 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 375.41 Td (\(30,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 375.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 362.21 Td (Accumulated other comprehensive income \(loss\) \(AOCI\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 362.35 Td (\(37,170) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 362.35 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 362.21 Td (\(34,668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 362.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 350.35 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 350.35 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 83.83 350.35 Td (oup stockholders) Tj ET Q q 0 0 0 rg BT 151.68 350.35 Td ( equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 350.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 350.35 Td (196,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 350.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 350.21 Td (200,740) 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 483.50 338.35 Td (854) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 338.21 Td (932) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 326.35 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 326.35 Td (otal equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 326.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 326.35 Td (197,074) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 326.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 326.21 Td (201,672) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 314.35 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 314.35 Td (otal liabilities and equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 314.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 314.35 Td (1,917,383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 314.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 314.21 Td (1,842,465) 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) Tj ET Q q 0 0 0 rg BT 512.69 232.35 Td ( 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 (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 220.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 207.40 Td (Liabilities of consolidated ) Tj ET Q q 0 0 0 rg BT 139.68 207.40 Td (VIEs for) Tj ET Q q 0 0 0 rg BT 172.76 207.40 Td ( which cr) Tj ET Q q 0 0 0 rg BT 208.09 207.40 Td (editors or) Tj ET Q q 0 0 0 rg BT 245.17 207.40 Td ( beneficial inter) Tj ET Q q 0 0 0 rg BT 304.99 207.40 Td (est holders do not have) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 198.40 Td (r) Tj ET Q q 0 0 0 rg BT 51.91 198.40 Td (ecourse to the general cr) Tj ET Q q 0 0 0 rg BT 145.71 198.40 Td (edit of Citigr) Tj ET Q q 0 0 0 rg BT 195.03 198.40 Td (oup) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 184.40 Td (13,134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 184.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 184.41 Td (10,142) 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 (28,514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 171.21 Td (30,492) 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 483.50 157.40 Td (697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 157.41 Td (61) Tj ET Q q 0 0 0 rg BT 568.50 157.41 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 143.40 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 143.40 Td (otal liabilities of consolidated ) Tj ET Q q 0 0 0 rg BT 158.02 143.40 Td (VIEs for) Tj ET Q q 0 0 0 rg BT 191.10 143.40 Td ( which cr) Tj ET Q q 0 0 0 rg BT 226.44 143.40 Td (editors or) Tj ET Q q 0 0 0 rg BT 263.51 143.40 Td ( beneficial inter) Tj ET Q q 0 0 0 rg BT 323.33 143.40 Td (est holders do not have) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 134.40 Td (r) Tj ET Q q 0 0 0 rg BT 51.83 134.40 Td (ecourse to the general cr) Tj ET Q q 0 0 0 rg BT 145.63 134.40 Td (edit of Citigr) Tj ET Q q 0 0 0 rg BT 194.95 134.40 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 134.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 134.40 Td (42,345) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 134.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 134.41 Td (41,245) 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 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 (128) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 38.00 745.18 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 97.82 745.18 Td (TED ST) Tj ET Q q 0 0 0 rg BT 132.38 745.18 Td (A) Tj ET Q q 0 0 0 rg BT 138.85 745.18 Td (TEMENT) Tj ET Q q 0 0 0 rg BT 182.01 745.18 Td ( OF) Tj ET Q q 0 0 0 rg BT 198.03 745.18 Td ( CHANGES IN ST) Tj ET Q q 0 0 0 rg BT 278.15 745.18 Td (OCKHOLDERS) Tj ET Q q 0 0 0 rg BT 352.41 745.18 Td ( EQUITY) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 446.25 745.21 Td (Citigr) Tj ET Q q 0 0 0 rg BT 469.78 745.21 Td (oupInc. and Subsidiaries) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 675.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 675.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 675.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 675.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 675.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 675.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 675.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 649.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 649.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 649.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 649.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 649.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 649.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 649.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 623.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 623.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 623.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 623.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 623.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 623.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 623.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 597.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 597.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 597.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 597.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 597.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 597.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 597.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 571.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 571.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 571.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 571.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 571.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 571.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 571.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 545.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 545.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 545.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 545.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 545.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 545.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 545.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 519.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 519.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 519.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 519.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 519.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 519.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 519.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 493.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 493.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 493.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 493.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 493.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 493.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 493.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 467.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 467.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 467.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 467.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 467.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 467.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 467.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 441.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 441.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 441.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 441.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 441.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 441.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 441.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 415.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 415.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 415.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 415.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 415.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 415.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 415.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 389.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 389.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 389.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 389.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 389.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 389.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 389.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 363.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 363.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 363.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 363.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 363.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 363.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 363.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 336.50 250.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 336.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 336.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 336.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 336.50 48.00 -14.00 re f /GS0 gs 0.8 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gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 308.5 m 382.5 308.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 322.5 m 430.5 308.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 308.5 m 430.5 308.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 308.5 m 334.5 308.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 308.5 m 382.5 308.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 308.5 m 430.5 294.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 308.5 m 430.5 308.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 280.5 m 334.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 280.5 m 382.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 294.5 m 430.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 280.5 m 430.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 280.5 m 478.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 280.5 m 526.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 280.5 m 574.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 280.5 m 286.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 280.5 m 334.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 266.5 m 334.5 266.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 280.5 m 382.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 266.5 m 382.5 266.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 280.5 m 430.5 266.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 280.5 m 430.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 266.5 m 430.5 266.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 266.5 m 478.5 266.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 266.5 m 526.5 266.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 266.5 m 574.5 266.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 266.5 m 286.5 266.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 254.5 m 334.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 254.5 m 382.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 266.5 m 430.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 254.5 m 430.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 254.5 m 478.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 254.5 m 526.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 254.5 m 574.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 254.5 m 286.5 254.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 240.5 m 286.5 240.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 240.5 m 334.5 240.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 240.5 m 382.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 254.5 m 430.5 240.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 240.5 m 430.5 240.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 240.5 m 478.5 240.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 240.5 m 526.5 240.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 240.5 m 574.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 240.5 m 430.5 226.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 226.5 m 430.5 212.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 212.5 m 430.5 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 189.5 m 430.5 166.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 166.5 m 430.5 152.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 152.5 m 430.5 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 139.5 m 430.5 116.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 102.5 m 334.5 102.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 102.5 m 382.5 102.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 116.5 m 430.5 102.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 102.5 m 430.5 102.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 102.5 m 478.5 102.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 102.5 m 526.5 102.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 102.5 m 574.5 102.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 102.5 m 286.5 102.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 102.5 m 334.5 102.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 88.5 m 334.5 88.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 102.5 m 382.5 102.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 88.5 m 382.5 88.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 102.5 m 430.5 88.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 102.5 m 430.5 102.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 88.5 m 430.5 88.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 88.5 m 478.5 88.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 88.5 m 526.5 88.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 88.5 m 574.5 88.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 88.5 m 286.5 88.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 74.5 m 334.5 74.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 74.5 m 382.5 74.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 88.5 m 430.5 74.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 74.5 m 430.5 74.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 74.5 m 478.5 74.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 74.5 m 526.5 74.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 74.5 m 574.5 74.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 74.5 m 286.5 74.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 60.5 m 286.5 60.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 74.5 m 334.5 74.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 60.5 m 334.5 60.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 74.5 m 382.5 74.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 60.5 m 382.5 60.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 74.5 m 430.5 60.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 74.5 m 430.5 74.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 60.5 m 430.5 60.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 74.5 m 478.5 74.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 60.5 m 478.5 60.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 74.5 m 526.5 74.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 60.5 m 526.5 60.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 74.5 m 574.5 74.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 60.5 m 574.5 60.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.30 720.95 Td (Y) Tj ET Q q 0 0 0 rg BT 385.30 720.95 Td (ears ended December) Tj ET Q q 0 0 0 rg BT 467.19 720.95 Td ( 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 (Shar) Tj ET Q q 0 0 0 rg BT 507.47 706.95 Td (es) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 692.75 Td (Inmillionsofdollars,exceptshar) Tj ET Q q 0 0 0 rg BT 146.70 692.75 Td (esinthousands) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.00 692.95 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 692.96 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 692.96 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 692.95 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 692.96 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.00 692.96 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 679.90 Td (Pr) Tj ET Q q 0 0 0 rg BT 48.41 679.90 Td (eferr) Tj ET Q q 0 0 0 rg BT 67.22 679.90 Td (ed stock at aggr) Tj ET Q q 0 0 0 rg BT 127.80 679.90 Td (egate liquidation value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 679.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 679.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 679.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 679.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 679.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 679.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 666.76 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 666.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 666.90 Td (19,253) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 666.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.25 666.76 Td (19,253) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 666.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 666.76 Td (16,718) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 666.90 Td (770) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 666.76 Td (770) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 666.76 Td (669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 653.76 Td (Issuance of preferred stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 653.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 653.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 653.76 Td (2,535) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 653.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 653.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 653.76 Td (101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 640.76 Td (Redemption of preferred stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 640.90 Td (\(793) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 640.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 640.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 640.76 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.00 640.90 Td (\(32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 640.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 640.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 640.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 627.76 Td (Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 627.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 627.90 Td (18,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 627.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.25 627.76 Td (19,253) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 627.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 627.76 Td (19,253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 627.90 Td (738) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 627.76 Td (770) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 627.76 Td (770) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 614.90 Td (Common stock and additional paid-in capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 614.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 614.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 614.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 614.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 614.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 614.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 601.76 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 601.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 601.90 Td (108,039) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 601.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 601.76 Td (108,073) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 601.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 601.76 Td (108,319) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 601.90 Td (3,099,523) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 601.76 Td (3,099,482) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 601.76 Td (3,099,482) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 588.76 Td (Employee benefit plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 588.90 Td (\(94) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 588.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 588.76 Td (\(27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 588.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.50 588.76 Td (\(251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 588.76 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 588.90 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 588.76 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 588.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 575.76 Td (Preferred stock issuance expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 575.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 575.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 575.76 Td (\(37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 575.76 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 575.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 575.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 575.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 562.76 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 562.90 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.50 562.76 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 562.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 562.76 Td (42) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 562.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 562.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 562.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 549.76 Td (Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 549.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 549.90 Td (107,953) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 549.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 549.76 Td (108,039) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 549.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 549.76 Td (108,073) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 549.90 Td (3,099,567) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 549.76 Td (3,099,523) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 549.76 Td (3,099,482) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 536.90 Td (Retained earnings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 536.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 536.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 536.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 536.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 536.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 536.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 523.76 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 523.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 523.90 Td (138,425) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 523.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 523.76 Td (146,477) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 523.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 523.76 Td (133,841) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 510.76 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 197.21 514.84 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 510.90 Td (\(84) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 510.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 510.76 Td (\(660) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 510.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 510.76 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 497.76 Td (Adjusted balance, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 497.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 497.90 Td (138,341) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 497.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 497.76 Td (145,817) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 497.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 497.76 Td (133,856) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 497.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 497.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 497.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 484.76 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 76.25 484.76 Td (s net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 484.90 Td (18,045) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 484.76 Td (\(6,798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 484.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 484.76 Td (14,912) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 484.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 484.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 484.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 471.76 Td (Common dividends) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 109.75 475.84 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 471.90 Td (\(3,865) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 471.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 471.76 Td (\(2,595) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 471.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.75 471.76 Td (\(1,214) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 471.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 471.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 471.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 471.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 458.76 Td (Preferred dividends) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 458.90 Td (\(1,174) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 458.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 458.76 Td (\(1,213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 458.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.75 458.76 Td (\(1,077) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 458.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 458.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 458.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 458.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 445.76 Td (Impact of ) Tj ET Q q 0 0 0 rg BT 75.82 445.76 Td (T) Tj ET Q q 0 0 0 rg BT 80.69 445.76 Td (ax Reform related to ) Tj ET Q q 0 0 0 rg BT 156.66 445.76 Td (AOCI reclassification) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 235.39 449.84 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 445.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 445.76 Td (3,304) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 445.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 445.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 445.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 445.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 432.76 Td (Other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 59.49 436.84 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 432.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 432.76 Td (\(90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 432.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 432.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 419.76 Td (Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 419.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 419.90 Td (151,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 419.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 419.76 Td (138,425) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 419.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 419.76 Td (146,477) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 419.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 419.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 419.76 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 406.90 Td (T) Tj ET Q q 0 0 0 rg BT 44.67 406.90 Td (r) Tj ET Q q 0 0 0 rg BT 48.25 406.90 Td (easury stock, at cost) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 406.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 406.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 406.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 406.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 406.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 406.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 393.76 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 393.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 393.90 Td (\(30,309) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 393.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 393.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 393.76 Td (\(16,302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 393.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 393.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.75 393.76 Td (\(7,677) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 393.76 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 393.90 Td (\(529,615) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 393.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 393.76 Td (\(327,090) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 393.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 393.76 Td (\(146,203) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 393.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 380.76 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 123.97 384.84 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 380.90 Td (484) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 380.76 Td (531) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 380.76 Td (826) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 380.90 Td (10,557) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.25 380.76 Td (1) Tj ET Q q 0 0 0 rg BT 502.75 380.76 Td (1,651) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.25 380.76 Td (14,256) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 367.76 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 367.76 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 125.15 371.84 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 367.90 Td (\(14,545) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 367.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 367.76 Td (\(14,538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 367.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.75 367.76 Td (\(9,451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 367.76 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 367.90 Td (\(212,042) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 367.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 367.76 Td (\(214,176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 367.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 367.76 Td (\(195,143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 367.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 354.76 Td (Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 354.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 354.90 Td (\(44,370) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 354.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 354.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 354.76 Td (\(30,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 354.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 354.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.25 354.76 Td (\(16,302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 354.76 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 354.90 Td (\(731,100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 354.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 354.76 Td (\(529,615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 354.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 354.76 Td (\(327,090) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 354.76 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 340.95 Td (Citigr) Tj ET Q q 0 0 0 rg BT 61.91 340.95 Td (oup) Tj ET Q q 0 0 0 rg BT 79.17 340.95 Td (s accumulated other) Tj ET Q q 0 0 0 rg BT 156.41 340.95 Td ( compr) Tj ET Q q 0 0 0 rg BT 183.49 340.95 Td (ehensive income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 340.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 340.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 340.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 340.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 340.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 340.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 326.96 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 326.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 326.95 Td (\(34,668) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 326.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 326.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 326.96 Td (\(32,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 326.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 326.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.25 326.96 Td (\(29,344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 326.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 326.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 326.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 326.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 312.96 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 197.21 317.04 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.50 312.95 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 312.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 312.96 Td (504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 312.96 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 312.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 298.96 Td (Adjusted balance, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 298.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 298.95 Td (\(34,671) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 298.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 298.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 298.96 Td (\(31,877) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 298.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 298.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.25 298.96 Td (\(29,359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 298.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 284.96 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 76.00 284.96 Td (s total other comprehensive income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 226.21 289.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 284.95 Td (\(2,499) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 284.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 284.96 Td (\(2,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 284.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.75 284.96 Td (\(3,022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 284.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 284.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 284.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 284.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 270.96 Td (Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 270.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 270.95 Td (\(37,170) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 270.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 270.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 270.96 Td (\(34,668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 270.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 270.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.25 270.96 Td (\(32,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 270.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 270.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 270.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 270.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 257.90 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 257.90 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 83.83 257.90 Td (oup common stockholders) Tj ET Q q 0 0 0 rg BT 186.92 257.90 Td ( equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 257.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 257.90 Td (177,760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 257.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 257.76 Td (181,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 257.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 257.76 Td (205,867) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 257.90 Td (2,368,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 257.76 Td (2,569,908) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 257.76 Td (2,772,392) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 244.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 244.95 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 83.83 244.95 Td (oup stockholders) Tj ET Q q 0 0 0 rg BT 151.68 244.95 Td ( equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 244.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 244.95 Td (196,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 244.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 244.96 Td (200,740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 244.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 244.96 Td (225,120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 244.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 230.95 Td (Noncontr) Tj ET Q q 0 0 0 rg BT 75.42 230.95 Td (olling inter) Tj ET Q q 0 0 0 rg BT 117.50 230.95 Td (ests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 230.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 230.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 230.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 230.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 230.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 230.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 216.96 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 216.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 216.95 Td (932) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 216.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 216.96 Td (1,023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 216.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 216.96 Td (1,235) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 216.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 216.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 216.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 202.96 Td (T) Tj ET Q q 0 0 0 rg BT 50.34 202.96 Td (ransactions between noncontrolling-interest shareholders and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 193.96 Td (the related consolidated subsidiary) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 193.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 193.96 Td (\(28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 193.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 193.96 Td (\(1) Tj ET Q q 0 0 0 rg BT 422.50 193.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 193.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 179.96 Td (T) Tj ET Q q 0 0 0 rg BT 50.34 179.96 Td (ransactions between Citigroup and the noncontrolling-interest) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 170.96 Td (shareholders) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 170.95 Td (\(50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 170.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 170.96 Td (\(121) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 170.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.50 170.96 Td (\(130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 170.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 170.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 170.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 170.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 156.96 Td (Net income attributable to noncontrolling-interest shareholders) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 156.95 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 156.96 Td (60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 156.96 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 156.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 156.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 156.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 143.76 Td (Dividends paid to noncontrolling-interest shareholders) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 143.90 Td (\(38) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 143.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 143.76 Td (\(44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 143.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 143.76 Td (\(42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 143.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 143.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 143.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 143.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 129.96 Td (Other comprehensive income \(loss\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 173.21 129.96 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 175.46 129.96 Td (attributable to ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 120.96 Td ( noncontrolling-interest shareholders) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 120.95 Td (\(43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 120.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 120.96 Td (1) Tj ET Q q 0 0 0 rg BT 370.00 120.96 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 120.96 Td (\(56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 120.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 120.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 120.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 120.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 106.96 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 106.95 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 106.96 Td (\(72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 106.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 106.96 Td (\(36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 106.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 106.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 106.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 106.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 92.95 Td (Net change in noncontr) Tj ET Q q 0 0 0 rg BT 128.67 92.95 Td (olling inter) Tj ET Q q 0 0 0 rg BT 170.75 92.95 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 92.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 92.95 Td (\(78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 92.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 92.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 92.96 Td (\(91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 92.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 92.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.50 92.96 Td (\(212) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 92.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 92.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 92.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 92.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 78.95 Td (Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 78.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 78.95 Td (854) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 78.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 78.96 Td (932) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 78.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 78.96 Td (1,023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 78.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 78.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 78.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 64.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 64.95 Td (otal equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 64.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 64.95 Td (197,074) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 64.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 64.96 Td (201,672) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 64.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 64.96 Td (226,143) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 259 0 obj <> endobj 260 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (129) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 750.50 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 750.50 Td (See Note 1 to the Consolidated Financial Statements for additional details.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 740.90 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 740.90 Td (Common dividends declared were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.52 740.90 Td ($0.32) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 183.52 740.90 Td ( per share in the first and second quarters and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.58 740.90 Td ($0.45) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.58 740.90 Td ( per share in the third and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.33 740.90 Td (fourth) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.88 740.90 Td ( quarters of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.31 740.90 Td (2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.31 740.90 Td (; ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 510.54 740.90 Td ($0.16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 528.54 740.90 Td ( per share in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 731.30 Td (the first and second quarters and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.74 731.30 Td ($0.32) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 177.74 731.30 Td ( per share in the third and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.49 731.30 Td (fourth) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.04 731.30 Td ( quarters of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.47 731.30 Td (2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.47 731.30 Td (; and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.25 731.30 Td ($0.05) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.25 731.30 Td ( in the first and second quarters and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.21 731.30 Td ($0.16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.21 731.30 Td ( per share in the third ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 721.70 Td (and fourth quarters of 2016.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 712.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 712.10 Td (Includes the impact of ) Tj ET Q q 0 0 0 rg BT 126.87 712.10 Td (ASU 2018-02, which transferred those amounts from ) Tj ET Q q 0 0 0 rg BT 298.84 712.10 Td (AOCI to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 328.61 712.10 Td (Retained earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.05 712.10 Td (. See Notes 1 and 19 to the Consolidated Financial ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 702.50 Td (Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 690.50 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 690.50 Td (Includes the impact of ) Tj ET Q q 0 0 0 rg BT 126.87 690.50 Td (ASU No. 2016-09, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 189.31 690.50 Td (Compensation) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 235.54 690.50 Td () Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 244.43 690.50 Td (Stock Compensation \(T) Tj ET Q q 0 0 0 rg BT 318.35 690.50 Td (opic 718\): Impr) Tj ET Q q 0 0 0 rg BT 368.71 690.50 Td (ovements to Employee Shar) Tj ET Q q 0 0 0 rg BT 457.06 690.50 Td (e-Based Payment ) Tj ET Q q 0 0 0 rg BT 514.67 690.50 Td (Accounting) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.10 690.50 Td (. See ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 680.90 Td (Note 1 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 671.30 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 671.30 Td (Includes treasury stock related to \(i\) certain activity on employee stock option program exercises, where the employee delivers existing shares to cover the option ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 661.70 Td (exercise, or \(ii\) under Citi) Tj ET Q q 0 0 0 rg BT 139.08 661.70 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 36.00 652.10 Td (\(6\) ) Tj ET Q q 0 0 0 rg BT 54.00 652.10 Td (For 2018, 2017, and 2016, primarily consists of open market purchases under Citi) Tj ET Q q 0 0 0 rg BT 318.18 652.10 Td (s Board of Directors-approved common stock repurchase program.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 628.10 Td (The Notes to the Consolidated Financial Statements are an integral part of these Consolidated Financial Statements.) Tj ET Q endstream endobj 261 0 obj <> endobj 262 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (130) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 31.00 738.18 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 90.82 738.18 Td (TED ST) Tj ET Q q 0 0 0 rg BT 125.38 738.18 Td (A) Tj ET Q q 0 0 0 rg BT 131.85 738.18 Td (TEMENT) Tj ET Q q 0 0 0 rg BT 175.01 738.18 Td ( OF) Tj ET Q q 0 0 0 rg BT 191.03 738.18 Td ( CASH FLOWS) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 439.25 738.21 Td (Citigr) Tj ET Q q 0 0 0 rg BT 462.78 738.21 Td (oupInc. and Subsidiaries) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 693.50 355.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 693.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 693.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 693.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 665.50 355.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 214.5 m 562.5 214.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 214.5 m 391.5 214.5 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 391.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 214.5 m 448.5 214.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 200.5 m 448.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 214.5 m 505.5 214.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 200.5 m 505.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 214.5 m 562.5 214.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 200.5 m 562.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 54 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 54 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 54 m BT /F2 1.00 Tf ET q 0 0 0 rg BT 39.00 710.22 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.80 711.95 Td (Y) Tj ET Q q 0 0 0 rg BT 431.80 711.95 Td (ears ended December) Tj ET Q q 0 0 0 rg BT 513.69 711.95 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 697.75 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.50 697.95 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.50 697.96 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 697.96 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 683.95 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 89.92 683.95 Td (om operating activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 683.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 683.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 683.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 669.95 Td (Net income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 127.14 669.95 Td (e attribution of noncontr) Tj ET Q q 0 0 0 rg BT 222.23 669.95 Td (olling inter) Tj ET Q q 0 0 0 rg BT 264.31 669.95 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 669.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.90 669.95 Td (18,080) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 669.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 669.96 Td (\(6,738) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 669.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 669.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 669.96 Td (14,975) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 655.95 Td (Net income attributable to noncontr) Tj ET Q q 0 0 0 rg BT 177.40 655.95 Td (olling inter) Tj ET Q q 0 0 0 rg BT 219.49 655.95 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.65 655.95 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 655.96 Td (60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 655.96 Td (63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 641.95 Td (Citigr) Tj ET Q q 0 0 0 rg BT 61.91 641.95 Td (oup) Tj ET Q q 0 0 0 rg BT 79.17 641.95 Td (s net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 641.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.90 641.95 Td (18,045) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 641.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 641.96 Td (\(6,798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 641.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 641.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 641.96 Td (14,912) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 627.95 Td (Loss fr) Tj ET Q q 0 0 0 rg BT 71.59 627.95 Td (om discontinued operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.15 627.95 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 627.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 627.96 Td (\(1) Tj ET Q q 0 0 0 rg BT 493.00 627.96 Td (1) Tj ET Q q 0 0 0 rg BT 497.50 627.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 627.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 627.96 Td (\(58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 627.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 613.95 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 98.90 613.95 Td (om continuing operationsexcluding noncontr) Tj ET Q q 0 0 0 rg BT 280.01 613.95 Td (olling inter) Tj ET Q q 0 0 0 rg BT 322.10 613.95 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 613.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.90 613.95 Td (18,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 613.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 613.96 Td (\(6,687) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 613.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 613.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 613.96 Td (14,970) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 599.95 Td (Adjustments to r) Tj ET Q q 0 0 0 rg BT 103.83 599.95 Td (econcile net income to net cash pr) Tj ET Q q 0 0 0 rg BT 232.64 599.95 Td (ovided by operating activities of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 590.95 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 590.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 590.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 590.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 576.96 Td (Net 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 165.99 581.04 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.15 576.95 Td (\(247) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 576.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 576.96 Td (\(602) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 576.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 576.96 Td (\(404) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 576.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 562.96 Td (Depreciation and amortization) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.40 562.95 Td (3,754) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 562.96 Td (3,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 562.96 Td (3,720) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 548.96 Td (Deferred tax provision) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 126.47 553.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.65 548.95 Td (\(51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 548.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 548.96 Td (24,877) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 548.96 Td (1,459) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 534.96 Td (Provision for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.40 534.95 Td (7,354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 534.96 Td (7,503) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 534.96 Td (6,749) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 520.96 Td (Realized gains from sales of investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.15 520.95 Td (\(421) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 520.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 520.96 Td (\(778) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 520.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 520.96 Td (\(948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 520.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 506.96 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 431.15 506.95 Td (132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 506.96 Td (91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 506.96 Td (621) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 492.96 Td (Change in trading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.40 492.95 Td (\(3,469) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 492.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 492.96 Td (\(7,038) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 492.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 492.96 Td (\(3,092) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 492.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 478.96 Td (Change in trading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.90 478.95 Td (19,135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 478.96 Td (\(15,375) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 478.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 478.96 Td (21,409) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 464.96 Td (Change in brokerage receivables, net of brokerage payables) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.40 464.95 Td (6,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 464.96 Td (\(5,307) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 464.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 464.96 Td (2,226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 450.96 Td (Change in loans HFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.15 450.95 Td (770) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 450.96 Td (247) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 450.96 Td (6,603) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 436.96 Td (Change in other assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.40 436.95 Td (\(5,791) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 436.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 436.96 Td (\(3,364) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 436.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 436.96 Td (\(6,676) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 436.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 422.96 Td (Change in other liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.15 422.95 Td (\(871) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 422.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 422.96 Td (\(3,044) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 422.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 422.96 Td (96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 408.96 Td (Other) Tj ET Q q 0 0 0 rg BT 65.13 408.96 Td (, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.40 408.95 Td (\(7,559) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 408.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 408.96 Td (\(2,956) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 408.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 408.96 Td (7,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 394.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 394.95 Td (otal adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 394.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.90 394.95 Td (18,899) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 394.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 394.96 Td (\(2,087) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 394.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 394.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 394.96 Td (38,763) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 380.95 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 82.91 380.95 Td (ovided by \(used in\) operating activities of continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 380.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.90 380.95 Td (36,952) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 380.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 380.96 Td (\(8,774) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 380.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 380.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 380.96 Td (53,733) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 366.95 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 89.92 366.95 Td (om investing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 366.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 366.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 366.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 352.96 Td ( Change in federal funds sold and securities borrowed or purchased under agreements to resell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 352.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.90 352.95 Td (\(38,206) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 352.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 352.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 352.96 Td (4,335) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 352.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.25 352.96 Td (\(17,138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 352.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 338.96 Td ( Change in loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.90 338.95 Td (\(29,002) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 338.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 338.96 Td (\(58,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 338.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.25 338.96 Td (\(39,761) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 338.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 324.96 Td ( Proceeds from sales and securitizations of loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.40 324.95 Td (4,549) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 324.96 Td (8,365) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 324.96 Td (18,140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 310.96 Td ( Purchases of investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.40 310.95 Td (\(186,987) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 310.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.75 310.96 Td (\(185,740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 310.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 310.96 Td (\(21) Tj ET Q q 0 0 0 rg BT 538.75 310.96 Td (1,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 310.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 296.96 Td ( Proceeds from sales of investments) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 172.72 301.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.90 296.95 Td (61,491) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.75 296.96 Td (107,368) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 296.96 Td (132,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 282.96 Td ( Proceeds from maturities of investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.40 282.95 Td (1) Tj ET Q q 0 0 0 rg BT 419.90 282.95 Td (18,104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 282.96 Td (84,369) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 282.96 Td (65,525) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 268.96 Td ( Proceeds from significant disposals) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 173.48 273.04 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.15 268.95 Td (314) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 268.96 Td (3,41) Tj ET Q q 0 0 0 rg BT 497.50 268.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 268.96 Td (265) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 254.96 Td ( Capital expenditures on premises and equipment and capitalized software) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.40 254.95 Td (\(3,774) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 254.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 254.96 Td (\(3,361) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 254.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 254.96 Td (\(2,756) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 254.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 241.76 Td ( Proceeds from sales of premises and equipment, subsidiaries and af) Tj ET Q q 0 0 0 rg BT 288.52 241.76 Td (filiates ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 232.76 Td ( and repossessed assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.15 232.95 Td (212) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 232.96 Td (377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 232.96 Td (667) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 218.96 Td ( Other) Tj ET Q q 0 0 0 rg BT 66.06 218.96 Td (, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.15 218.95 Td (181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 218.96 Td (187) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 218.96 Td (142) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 204.95 Td (Net cash used in investing activities of continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 204.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.90 204.95 Td (\(73,1) Tj ET Q q 0 0 0 rg BT 435.65 204.95 Td (18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 204.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 204.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 204.96 Td (\(38,751) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 204.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 204.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.25 204.96 Td (\(54,135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 204.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 190.95 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 89.84 190.95 Td (om financing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 190.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 190.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 190.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 176.96 Td ( Dividends paid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 176.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.40 176.95 Td (\(5,020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 176.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 176.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 176.96 Td (\(3,797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 176.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 176.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 176.96 Td (\(2,287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 176.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 162.96 Td ( Issuance \(redemption\) of preferred stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.15 162.95 Td (\(793) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 162.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 162.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 162.96 Td (2,498) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 148.96 Td ( ) Tj ET Q q 0 0 0 rg BT 45.67 148.96 Td (T) Tj ET Q q 0 0 0 rg BT 50.93 148.96 Td (reasury stock acquired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.90 148.95 Td (\(14,433) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 148.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 148.96 Td (\(14,541) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 148.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 148.96 Td (\(9,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 148.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 134.96 Td ( Stock tendered for payment of withholding taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.15 134.95 Td (\(482) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 134.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 134.96 Td (\(405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 134.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 134.96 Td (\(316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 134.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 121.76 Td ( Change in 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 48.00 112.81 Td (repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.90 114.95 Td (21,491) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 114.96 Td (14,456) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 114.96 Td (\(4,675) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 114.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 100.96 Td ( Issuance of long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.90 100.95 Td (60,655) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 100.96 Td (67,960) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 100.96 Td (63,806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 86.96 Td ( Payments and redemptions of long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.90 86.95 Td (\(58,132) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.65 86.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 86.96 Td (\(40,986) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 86.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.25 86.96 Td (\(55,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 86.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 72.96 Td ( Change in deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.90 72.95 Td (53,348) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 72.96 Td (30,416) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 72.96 Td (24,394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 58.96 Td ( Change in short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.90 58.95 Td (\(12,106) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 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Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 517.96 Td (13,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 503.96 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 503.96 Td (ransfers to OREO and other repossessed assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.15 503.95 Td (151) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 503.96 Td (1) Tj ET Q q 0 0 0 rg BT 493.00 503.96 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 503.96 Td (165) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 480.80 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 480.80 Td (See Note 2 to the Consolidated Financial Statements for further information on significant disposals.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 471.20 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 471.20 Td (Includes the full impact of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.19 471.20 Td ($22.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.08 471.20 Td ( non-cash char) Tj ET Q q 0 0 0 rg BT 239.58 471.20 Td (ge related to the ) Tj ET Q q 0 0 0 rg BT 292.75 471.20 Td (T) Tj ET Q q 0 0 0 rg BT 297.07 471.20 Td (ax Cuts and Jobs ) Tj ET Q q 0 0 0 rg BT 352.63 471.20 Td (Act \(T) Tj ET Q q 0 0 0 rg BT 373.18 471.20 Td (ax Reform\) in 2017. See Notes 1 and 9 to the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 461.60 Td (Consolidated Financial Statements for further information. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 452.00 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 452.00 Td (Proceeds for 2016 include approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 187.96 452.00 Td ($3.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 224.85 452.00 Td ( from the sale of Citi) Tj ET Q q 0 0 0 rg BT 293.50 452.00 Td (s investment in China Guangfa Bank.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 442.40 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 442.40 Td (Includes the impact of ) Tj ET Q q 0 0 0 rg BT 126.87 442.40 Td (ASU 2016-18, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 175.54 442.40 Td (Restricted Cash) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.42 442.40 Td (. See Notes 1 and 26 to the Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 422.40 Td (The Notes to the Consolidated Financial Statements are an integral part of these Consolidated Financial Statements.) Tj ET Q endstream endobj 265 0 obj <> endobj 266 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 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 accepted accounting principles \(GAAP\). ) Tj ET Q q 0 0 0 rg BT 260.47 573.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 561.25 Td (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 189.85 453.25 Td (20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.18 453.25 Td (-owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 441.25 Td (companies is recognized when dividends are received. ) Tj ET Q q 0 0 0 rg BT 255.36 441.25 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 429.25 Td (discussed in more detail in Note 21 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 417.25 Td (Financial Statements, Citigroup also consolidates entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 405.25 Td (deemed to be variable interest entities when Citigroup is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 393.25 Td (determined to be the primary beneficiary) Tj ET Q q 0 0 0 rg BT 198.89 393.25 Td (. Gains and losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 381.25 Td (on the disposition of branches, subsidiaries, af) Tj ET Q q 0 0 0 rg BT 220.79 381.25 Td (filiates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 369.25 Td (buildings and other investments are included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 227.90 369.25 Td (Other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 357.25 Td (r) Tj ET Q q 0 0 0 rg BT 39.52 357.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.27 357.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 333.25 Td (Citibank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 321.25 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 36.00 309.25 Td (owned subsidiary of Citigroup. Citibank) Tj ET Q q 0 0 0 rg BT 200.16 309.25 Td (s principal of) Tj ET Q q 0 0 0 rg BT 252.74 309.25 Td (ferings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 297.25 Td (include consumer finance, mortgage lending and retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 285.25 Td (banking \(including commercial banking\) products and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 273.25 Td (services; investment banking, cash management and trade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 261.25 Td (finance; and private banking products and services.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 237.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 237.25 Td (ariable Inter) Tj ET Q q 0 0 0 rg BT 96.28 237.25 Td (est Entities \(VIEs\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 225.25 Td (An entity is a variable interest entity \(VIE\) if it meets either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 213.25 Td (of the criteria outlined in ) Tj ET Q q 0 0 0 rg BT 137.36 213.25 Td (Accounting Standards Codification ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 201.25 Td (\(ASC\) ) Tj ET Q q 0 0 0 rg BT 64.43 201.25 Td (T) Tj ET Q q 0 0 0 rg BT 69.84 201.25 Td (opic 810, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 109.56 201.25 Td (Consolidation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.23 201.25 Td (, which are \(i\) the entity has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 189.25 Td (equity that is insuf) Tj ET Q q 0 0 0 rg BT 109.98 189.25 Td (ficient to permit the entity to finance its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 177.25 Td (activities without additional subordinated financial support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 165.25 Td (from other parties, or \(ii\) the entity has equity investors that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 153.25 Td (cannot make significant decisions about the entity) Tj ET Q q 0 0 0 rg BT 238.72 153.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 141.25 Td (operations or that do not absorb their proportionate share of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 129.25 Td (the entity) Tj ET Q q 0 0 0 rg BT 76.27 129.25 Td (s expected losses or 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 \(that is, Citi is the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 57.25 Td (primary beneficiary\). In addition to variable interests held in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 729.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 369.86 729.25 Td (VIEs, the Company has variable interests in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 717.25 Td (other ) Tj ET Q q 0 0 0 rg BT 339.87 717.25 Td (VIEs that are not consolidated because the Company is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 705.25 Td (not the primary beneficiary) Tj ET Q q 0 0 0 rg BT 425.47 705.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 693.25 Td (All unconsolidated ) Tj ET Q q 0 0 0 rg BT 413.14 693.25 Td (VIEs are monitored by the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 681.25 Td (to assess whether any events have occurred to cause its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 669.25 Td (primary beneficiary status to change. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 657.25 Td (All entities not deemed to be ) Tj ET Q q 0 0 0 rg BT 452.57 657.25 Td (VIEs with which the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 645.25 Td (Company has involvement are evaluated for consolidation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 633.25 Td (under other subtopics of ) Tj ET Q q 0 0 0 rg BT 415.87 633.25 Td (ASC 810. See Note 21 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 621.25 Td (Consolidated Financial Statements for more detailed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 609.25 Td (information.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 585.25 Td (For) Tj ET Q q 0 0 0 rg BT 332.37 585.25 Td (eign Curr) Tj ET Q q 0 0 0 rg BT 374.12 585.25 Td (ency ) Tj ET Q q 0 0 0 rg BT 395.88 585.25 Td (T) Tj ET Q q 0 0 0 rg BT 401.81 585.25 Td (ranslation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 573.25 Td (Assets and liabilities of Citi) Tj ET Q q 0 0 0 rg BT 430.88 573.25 Td (s foreign operations are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 561.25 Td (translated from their respective functional currencies into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 549.25 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 317.00 537.25 Td (The ef) Tj ET Q q 0 0 0 rg BT 342.63 537.25 Td (fects of those translation adjustments are reported in) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 551.74 537.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 525.25 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 420.49 525.25 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.01 525.25 Td (, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 513.25 Td (component of stockholders) Tj ET Q q 0 0 0 rg BT 427.90 513.25 Td ( equity) Tj ET Q q 0 0 0 rg BT 454.74 513.25 Td (, net of any related hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 501.25 Td (and tax ef) Tj ET Q q 0 0 0 rg BT 356.24 501.25 Td (fects, until realized upon sale or substantial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 489.25 Td (liquidation of the foreign operation, at which point such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 477.25 Td (amounts related to the foreign entity are reclassified into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 465.25 Td (earnings. Revenues and expenses of Citi) Tj ET Q q 0 0 0 rg BT 481.40 465.25 Td (s foreign operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 453.25 Td (are translated monthly from their respective functional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 441.25 Td (currencies into U.S. dollars at amounts that approximate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 429.25 Td (weighted average exchange rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 417.25 Td (For transactions that are denominated in a currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 405.25 Td (other than the functional currency) Tj ET Q q 0 0 0 rg BT 451.85 405.25 Td (, including transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 393.25 Td (denominated in the local currencies of foreign operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 381.25 Td (that use the U.S. dollar as their functional currency) Tj ET Q q 0 0 0 rg BT 520.17 381.25 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 369.25 Td (ef) Tj ET Q q 0 0 0 rg BT 324.59 369.25 Td (fects of changes in exchange rates are primarily included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 357.25 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 327.28 357.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.00 357.25 Td (, along with the related ef) Tj ET Q q 0 0 0 rg BT 519.00 357.25 Td (fects of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 345.25 Td (any economic hedges. Instruments used to hedge foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 333.25 Td (currency exposures include foreign currency forward, option ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 321.25 Td (and swap contracts and, in certain instances, designated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 309.25 Td (issues of non-U.S. dollar debt. Foreign operations in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 297.25 Td (countries with highly inflationary economies designate the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 285.25 Td (U.S. dollar as their functional currency) Tj ET Q q 0 0 0 rg BT 472.13 285.25 Td (, with the ef) Tj ET Q q 0 0 0 rg BT 519.71 285.25 Td (fects of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 273.25 Td (changes in exchange rates primarily included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 510.54 273.25 Td (Other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 261.25 Td (r) Tj ET Q q 0 0 0 rg BT 320.52 261.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.27 261.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 237.25 Td (Investment Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 225.25 Td (Investments include fixed income and equity securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 213.25 Td (Fixed income instruments include bonds, notes and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 201.25 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 317.00 189.25 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 317.00 177.25 Td (Equity securities include common and nonredeemable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 165.25 Td (preferred stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 153.25 Td (Fixed income securities are classified and accounted for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 141.25 Td (as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 123.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 123.25 Td (Fixed income securities classified as held-to-maturity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 111.25 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 335.00 99.25 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 335.00 87.25 Td (amortized cost. Interest income on such securities is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 75.25 Td (included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 382.21 75.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 401.28 75.25 Td (est r) Tj ET Q q 0 0 0 rg BT 418.41 75.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.16 75.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 63.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 63.25 Td (Fixed income securities classified as available-for) Tj ET Q q 0 0 0 rg BT 538.89 63.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 51.25 Td (sale are carried at fair value with changes in fair value ) Tj ET Q endstream endobj 267 0 obj <> endobj 268 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (133) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 100.09 742.10 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 203.58 742.10 Td (ehensive income ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 730.10 Td (\(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.22 730.10 Td (, a component of stockholders) Tj ET Q q 0 0 0 rg BT 199.06 730.10 Td ( equity) Tj ET Q q 0 0 0 rg BT 225.90 730.10 Td (, net of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 718.10 Td (applicable income taxes and hedges. Interest income on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 706.10 Td (such securities is included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 171.48 706.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 190.54 706.10 Td (est r) Tj ET Q q 0 0 0 rg BT 207.67 706.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.43 706.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (Prior to January 1, 2018, equity securities were classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (and accounted for as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 652.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 652.10 Td (Marketable equity securities classified as available-for) Tj ET Q q 0 0 0 rg BT 276.20 652.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 640.10 Td (sale were carried at fair value with changes in fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 628.10 Td (value reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 124.25 628.10 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 227.74 628.10 Td (ehensive ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 616.10 Td (income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.60 616.10 Td (, a component of stockholders) Tj ET Q q 0 0 0 rg BT 230.44 616.10 Td ( equity) Tj ET Q q 0 0 0 rg BT 257.28 616.10 Td (, net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 604.10 Td (of applicable income taxes and hedges. Dividend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 592.10 Td (income on such securities was included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 224.79 592.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 243.86 592.10 Td (est ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 580.10 Td (r) Tj ET Q q 0 0 0 rg BT 57.52 580.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.27 580.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 568.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 568.10 Td (Certain investments in non-marketable equity securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 556.10 Td (and certain investments that would otherwise have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 544.10 Td (accounted for using the equity method were carried at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 532.10 Td (fair value, since the Company elected to apply fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 520.10 Td (accounting. Changes in fair value of such investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 508.10 Td (were recorded in earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 496.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 496.10 Td (Certain non-marketable equity securities were carried at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 484.10 Td (cost.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 460.10 Td (As of January 1, 2018, equity securities are classified and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 448.10 Td (accounted for as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 430.10 Td (Marketable equity securities are measured at fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 418.10 Td (with changes in fair value recognized in earnings. ) Tj ET Q q 0 0 0 rg BT 255.13 418.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 406.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 104.88 406.10 Td (-sale category was eliminated for equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 394.10 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 382.10 Td (Non-marketable equity securities are measured at fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 370.10 Td (value with changes in fair value recognized in earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 358.10 Td (unless \(i\) the measurement alternative is elected or \(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 346.10 Td (the investment represents Federal Reserve Bank and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 334.10 Td (Federal Home Loan Bank stock or certain exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 322.10 Td (seats that continue to be carried at cost. Non-marketable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 310.10 Td (equity securities under the measurement alternative are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 298.10 Td (carried at cost plus or minus changes resulting from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 286.10 Td (observed prices for orderly transactions for the identical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 274.10 Td (or a similar investment of the same issuer) Tj ET Q q 0 0 0 rg BT 219.80 274.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 262.10 Td (Certain investments that would otherwise have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 250.10 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 54.00 238.10 Td (value with changes in fair value recognized in earnings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 226.10 Td (since the Company elected to apply fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 214.10 Td (accounting.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 190.10 Td (For investments in fixed income securities classified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (held-to-maturity or available-for) Tj ET Q q 0 0 0 rg BT 165.75 178.10 Td (-sale, the accrual of interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 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 36.00 154.10 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 36.00 142.10 Td (made as scheduled. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 130.10 Td (Investment securities not measured at fair value through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (earnings, such as securities held in HTM, ) Tj ET Q q 0 0 0 rg BT 203.47 118.10 Td (AFS or under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (new measurement alternative, are subject to evaluation for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (impairment as described in Note 13 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (Financial Statements. Realized gains and losses on sales of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (investments are included in earnings, primarily on a specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (identification basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 742.10 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 317.00 730.10 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 317.00 718.10 Td (Note 24 to the Consolidated Financial Statements. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 322.93 694.10 Td (rading ) Tj ET Q q 0 0 0 rg BT 353.22 694.10 Td (Account ) Tj ET Q q 0 0 0 rg BT 390.72 694.10 Td (Assets and Liabilities) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (T) Tj ET Q q 0 0 0 rg BT 322.01 682.10 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.23 682.10 Td ( include debt and marketable equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (securities, derivatives in a receivable position, residual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (interests in securitizations and physical commodities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (inventory) Tj ET Q q 0 0 0 rg BT 354.68 646.10 Td (. In addition, as described in Note 25 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (Consolidated Financial Statements, certain assets that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 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 317.00 610.10 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 317.00 598.10 Td (also included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 382.82 598.10 Td (T) Tj ET Q q 0 0 0 rg BT 387.83 598.10 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.05 598.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 335.00 586.10 Td (T) Tj ET Q q 0 0 0 rg BT 340.01 586.10 Td (rading account liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.11 586.10 Td ( include securities sold, not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 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 317.00 562.10 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 317.00 550.10 Td (has elected to carry at fair value \(as described in Note 25 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (the Consolidated Financial Statements\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 526.10 Td (Other than physical commodities inventory) Tj ET Q q 0 0 0 rg BT 507.65 526.10 Td (, all trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 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 317.00 502.10 Td (Revenues generated from trading assets and trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (liabilities are generally reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 457.22 490.10 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.94 490.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 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 317.00 466.10 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 317.00 454.10 Td (such instruments. Interest income on trading assets is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 364.75 442.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 383.82 442.10 Td (est r) Tj ET Q q 0 0 0 rg BT 400.95 442.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.70 442.10 Td ( reduced by interest expense on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (trading liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 418.10 Td (Physical commodities inventory is carried at the lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 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 510.00 406.10 Td (Principal ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.45 394.10 Td (. Realized gains and losses on sales of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (commodities inventory are included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 473.90 382.10 Td (Principal ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.45 370.10 Td (. Investments in unallocated precious metals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (accounts \(gold, silver) Tj ET Q q 0 0 0 rg BT 402.41 358.10 Td (, platinum and palladium\) are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 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 317.00 334.10 Td (contract and an embedded non-financial derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 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 317.00 310.10 Td (metal. ) Tj ET Q q 0 0 0 rg BT 344.03 310.10 Td (The embedded derivative instrument is separated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 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 317.00 286.10 Td (The debt host contract is carried at fair value under the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (value option, as described in Note 25 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 250.10 Td (Derivatives used for trading purposes include interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (rate, currency) Tj ET Q q 0 0 0 rg BT 371.31 238.10 Td (, equity) Tj ET Q q 0 0 0 rg BT 400.66 238.10 Td (, credit and commodity swap ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (agreements, options, caps and floors, warrants, and financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (and commodity futures and forward contracts. Derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 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 317.00 190.10 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 317.00 178.10 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 317.00 166.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 338.77 166.10 Td (T) Tj ET Q q 0 0 0 rg BT 344.18 166.10 Td (opic 210-20, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 397.23 166.10 Td (Balance SheetOffsetting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.48 166.10 Td (, are met. See ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (Note 22 to the Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 142.10 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 317.00 130.10 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 317.00 118.10 Td (described in Note 24 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (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 31.60 Td (134) 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 25 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 24 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 (25 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 (SheetOffsetting: Repur) Tj ET Q q 0 0 0 rg BT 135.89 286.25 Td (chase and Reverse Repur) Tj ET Q q 0 0 0 rg BT 236.87 286.25 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 24 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 25 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 that are held-for) Tj ET Q q 0 0 0 rg BT 426.15 646.10 Td (-investment are classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (Loans, net of unearned income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.59 634.10 Td ( on the Consolidated Balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 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 317.00 610.10 Td (cash flows from investing activities category in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (Consolidated Statement of Cash Flows on the line ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 519.76 598.10 Td (Change in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.67 586.10 Td (. However) Tj ET Q q 0 0 0 rg BT 379.92 586.10 Td (, when the initial intent for holding a loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (has changed from held-for) Tj ET Q q 0 0 0 rg BT 422.59 574.10 Td (-investment to HFS, the loan is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (reclassified to HFS, but the related cash flows continue to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (reported in cash flows from investing activities 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 (Pr) Tj ET Q q 0 0 0 rg BT 529.39 538.10 Td (oceeds ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (fr) Tj ET Q q 0 0 0 rg BT 323.30 526.10 Td (om sales and securitizations of loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.80 526.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (Consumer Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (Consumer loans represent loans and leases managed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (primarily by the) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 381.43 478.10 Td ( Global Consumer Banking \(GCB\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.31 478.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (businesses and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 378.66 466.10 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.44 466.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (Consumer Non-accrual and Re-aging Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 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 317.00 418.10 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 317.00 406.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.71 406.10 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.54 406.10 Td ( contractually past due. For credit cards and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (unsecured revolving loans, however) Tj ET Q q 0 0 0 rg BT 461.00 394.10 Td (, Citi generally accrues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (interest until payments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.30 382.10 Td (180 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.13 382.10 Td ( past due. ) Tj ET Q q 0 0 0 rg BT 501.13 382.10 Td (As a result of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 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 317.00 358.10 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 317.00 346.10 Td (mortgage is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.43 346.10 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.26 346.10 Td ( or more past due. ) Tj ET Q q 0 0 0 rg BT 471.14 346.10 Td (Also as a result of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (OCC guidance, mortgage loans in regulated bank entities are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (classified as non-accrual within 60 days of notification that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (the borrower has filed for bankruptcy) Tj ET Q q 0 0 0 rg BT 466.02 310.10 Td (, other than FHA-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (insured loans. Commercial banking loans are placed on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (cash \(non-accrual\) basis when it is determined, based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (actual experience and a forward-looking assessment of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (collectability of the loan in full, that the payment of interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (or principal is doubtful or when interest or principal is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.39 250.10 Td (90 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.33 238.10 Td ( past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 226.10 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 317.00 214.10 Td (a borrower in financial dif) Tj ET Q q 0 0 0 rg BT 421.78 214.10 Td (ficulty may not be accruing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (interest at the time of the modification. ) Tj ET Q q 0 0 0 rg BT 475.11 202.10 Td (The policy for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 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 317.00 178.10 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 317.00 166.10 Td (payments \(ranging from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.14 166.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.58 166.10 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.36 166.10 Td (six) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.03 166.10 Td (\) is required, while in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 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 317.00 142.10 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 317.00 130.10 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 317.00 118.10 Td (subsequent to, the modification indicates the borrower is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 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 94.10 Td (current and has demonstrated a reasonable period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (sustained payment performance \(minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.39 82.10 Td (six months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.01 82.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (consecutive payments\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 58.10 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 317.00 46.10 Td (conditions to qualify for modification is that a minimum ) 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 31.60 Td (135) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (number of payments \(typically ranging from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.51 742.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.95 742.10 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.72 742.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.71 742.10 Td (\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 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 36.00 718.10 Td (current status. However) Tj ET Q q 0 0 0 rg BT 130.84 718.10 Td (, re-aging practices for certain open-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 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 36.00 694.10 Td (Federal Financial Institutions Examination Council \(FFIEC\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 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 36.00 670.10 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 36.00 658.10 Td (current status is that at least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.30 658.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.29 658.10 Td ( consecutive minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (monthly payments, or the equivalent amount, must be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 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 36.00 622.10 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 36.00 610.10 Td (\(generally once in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.69 610.10 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.69 610.10 Td ( months and twice in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.51 610.10 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.05 610.10 Td ( years\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (Furthermore, Federal Housing ) Tj ET Q q 0 0 0 rg BT 159.31 598.10 Td (Administration \(FHA\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (Department of ) Tj ET Q q 0 0 0 rg BT 96.35 586.10 Td (V) Tj ET Q q 0 0 0 rg BT 102.46 586.10 Td (eterans ) Tj ET Q q 0 0 0 rg BT 132.73 586.10 Td (Af) Tj ET Q q 0 0 0 rg BT 143.10 586.10 Td (fairs \(V) Tj ET Q q 0 0 0 rg BT 172.63 586.10 Td (A\) loans may only be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (modified under those respective agencies) Tj ET Q q 0 0 0 rg BT 203.52 574.10 Td ( guidelines, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 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 36.00 550.10 Td (modified loan to current.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (Consumer Char) Tj ET Q q 0 0 0 rg BT 99.80 526.10 Td (ge-Off Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 514.10 Td (s char) Tj ET Q q 0 0 0 rg BT 77.20 514.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 98.12 514.10 Td (f policies follow the general guidelines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (below:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 484.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 484.10 Td (Unsecured installment loans are char) Tj ET Q q 0 0 0 rg BT 201.54 484.10 Td (ged of) Tj ET Q q 0 0 0 rg BT 226.63 484.10 Td (f at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.17 484.10 Td (120 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.00 484.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 472.10 Td (contractually past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 460.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 460.10 Td (Unsecured revolving loans and credit card loans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 448.10 Td (char) Tj ET Q q 0 0 0 rg BT 71.03 448.10 Td (ged of) Tj ET Q q 0 0 0 rg BT 96.11 448.10 Td (f at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.66 448.10 Td (180 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.49 448.10 Td ( contractually past due.) 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 (Loans secured with non-real estate collateral are written ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 424.10 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 54.00 412.10 Td (to sell, at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.88 412.10 Td (120 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.71 412.10 Td ( contractually past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 400.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 400.10 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 54.00 388.10 Td (estimated value of the property) Tj ET Q q 0 0 0 rg BT 177.75 388.10 Td (, less costs to sell, at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.63 388.10 Td (180 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 376.10 Td (days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.33 376.10 Td ( contractually past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 364.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 364.10 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 169.77 364.10 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 172.27 364.10 Td (char) Tj ET Q q 0 0 0 rg BT 189.30 364.10 Td (ged of) Tj ET Q q 0 0 0 rg BT 214.39 364.10 Td (f no later than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 352.10 Td (180 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.83 352.10 Td ( contractually past due if a decision has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 340.10 Td (made not to foreclose on the loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 328.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 328.10 Td (Unsecured loans in bankruptcy are char) Tj ET Q q 0 0 0 rg BT 212.36 328.10 Td (ged of) Tj ET Q q 0 0 0 rg BT 237.45 328.10 Td (f within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 316.10 Td (60 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.83 316.10 Td ( of notification of filing by the bankruptcy court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 304.10 Td (or in accordance with Citi) Tj ET Q q 0 0 0 rg BT 160.63 304.10 Td (s char) Tj ET Q q 0 0 0 rg BT 184.05 304.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 204.97 304.10 Td (f policy) Tj ET Q q 0 0 0 rg BT 235.14 304.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 292.10 Td (whichever occurs earlier) Tj ET Q q 0 0 0 rg BT 151.72 292.10 Td (.) 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 (Real estate-secured loans in bankruptcy) Tj ET Q q 0 0 0 rg BT 212.18 280.10 Td (, other than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 268.10 Td (FHA-insured loans, are written down to the estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 256.10 Td (value of the property) Tj ET Q q 0 0 0 rg BT 136.93 256.10 Td (, less costs to sell, within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.15 256.10 Td (60 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.98 256.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 244.10 Td (notification that the borrower has filed for bankruptcy or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 232.10 Td (in accordance with Citi) Tj ET Q q 0 0 0 rg BT 149.80 232.10 Td (s char) Tj ET Q q 0 0 0 rg BT 173.22 232.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 194.14 232.10 Td (f policy) Tj ET Q q 0 0 0 rg BT 224.31 232.10 Td (, whichever is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 220.10 Td (earlier) Tj ET Q q 0 0 0 rg BT 78.98 220.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 208.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 208.10 Td (Commercial banking loans are written down to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 196.10 Td (extent that principal is judged to be uncollectable.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 172.10 Td (Corporate Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 160.10 Td (Corporate loans represent loans and leases managed by ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 148.10 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 128.97 148.10 Td (oup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.47 148.10 Td (\() Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 149.80 148.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.02 148.10 Td (\). Corporate loans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 136.10 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 36.00 124.10 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 36.00 112.10 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 36.00 100.10 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 36.00 88.10 Td (when interest or principal is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.14 88.10 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.97 88.10 Td ( past due, except when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 76.10 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 36.00 64.10 Td (collection. ) Tj ET Q q 0 0 0 rg BT 79.88 64.10 Td (Any interest accrued on impaired corporate loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 52.10 Td (and leases is reversed at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.57 52.10 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.40 52.10 Td ( past due and char) Tj ET Q q 0 0 0 rg BT 237.41 52.10 Td (ged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (against current earnings, and interest is thereafter included in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (earnings only to the extent actually received in cash. ) Tj ET Q q 0 0 0 rg BT 528.96 730.10 Td (When ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (there is doubt regarding the ultimate collectability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (principal, all cash receipts are thereafter applied to reduce ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (the recorded investment in the loan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 682.10 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 317.00 670.10 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 317.00 658.10 Td (Impaired collateral-dependent loans and leases, where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 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 317.00 634.10 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 317.00 622.10 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 317.00 610.10 Td (of carrying value or collateral value. Cash-basis loans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (returned to accrual status when all contractual principal and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (interest amounts are reasonably assured of repayment and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (there is a sustained period of repayment performance in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (accordance with the contractual terms.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (Loans Held-for) Tj ET Q q 0 0 0 rg BT 378.19 538.10 Td (-Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 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 317.00 514.10 Td (sale are classified as loans HFS and included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 509.45 514.10 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.17 514.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (The practice of Citi) Tj ET Q q 0 0 0 rg BT 397.80 502.10 Td (s U.S. prime mortgage business has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (to sell substantially all of its conforming loans. ) Tj ET Q q 0 0 0 rg BT 506.70 490.10 Td (As such, U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (prime mortgage conforming loans are classified as HFS and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (the fair value option is elected at origination, with changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (fair value recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 405.29 454.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 434.64 454.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.39 454.10 Td (. ) Tj ET Q q 0 0 0 rg BT 467.21 454.10 Td (W) Tj ET Q q 0 0 0 rg BT 476.25 454.10 Td (ith the exception of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (those loans for which the fair value option has been elected, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (HFS loans are accounted for at the lower of cost or market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (value, with any write-downs or subsequent recoveries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (char) Tj ET Q q 0 0 0 rg BT 334.03 406.10 Td (ged to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 361.24 406.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 390.59 406.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.35 406.10 Td (. ) Tj ET Q q 0 0 0 rg BT 423.17 406.10 Td (The related cash flows are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (classified in the Consolidated Statement of Cash Flows in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (the cash flows from operating activities category on the line ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (Change in loans held-for) Tj ET Q q 0 0 0 rg BT 417.07 370.10 Td (-sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.51 370.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 376.53 346.10 Td ( Loan Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (Allowance for loan losses represents management) Tj ET Q q 0 0 0 rg BT 519.99 334.10 Td (s best ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (estimate of probable losses inherent in the portfolio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (including probable losses related to lar) Tj ET Q q 0 0 0 rg BT 471.50 310.10 Td (ge individually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (evaluated impaired loans and troubled debt restructurings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 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 317.00 274.10 Td (only) Tj ET Q q 0 0 0 rg BT 334.13 274.10 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 317.00 262.10 Td (loan losses inherent in the overall portfolio. ) Tj ET Q q 0 0 0 rg BT 493.07 262.10 Td (Additions to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (allowance are made through the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 447.22 250.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 456.85 250.10 Td (ovision for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.58 250.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 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 317.00 226.10 Td (recoveries are added. ) Tj ET Q q 0 0 0 rg BT 403.62 226.10 Td (Assets received in exchange for loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 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 317.00 202.10 Td (with any gain or loss reflected as a recovery or char) Tj ET Q q 0 0 0 rg BT 523.40 202.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 544.31 202.10 Td (f in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (the provision.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (Consumer Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (For consumer loans, each portfolio of non-modified smaller) Tj ET Q q 0 0 0 rg BT 556.18 154.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (balance homogeneous loans is independently evaluated for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (impairment by product type \(e.g., residential mortgage, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (credit card, etc.\) in accordance with ) Tj ET Q q 0 0 0 rg BT 461.92 118.10 Td (ASC 450, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (Contingencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.21 106.10 Td (. ) Tj ET Q q 0 0 0 rg BT 379.03 106.10 Td (The allowance for loan losses attributed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 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 317.00 82.10 Td (probable losses inherent in the specific portfolio. ) Tj ET Q q 0 0 0 rg BT 514.54 82.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (process includes migration analysis, in which historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 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 317.00 46.10 Td (current aging of the portfolio, together with analyses that ) 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 31.60 Td (136) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (reflect current and anticipated economic conditions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (including changes in housing prices and unemployment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (trends. Citi) Tj ET Q q 0 0 0 rg BT 83.22 718.10 Td (s allowance for loan losses under ) Tj ET Q q 0 0 0 rg BT 217.63 718.10 Td (ASC 450 only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (considers contractual principal amounts due, except for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 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 36.00 682.10 Td (accrued interest receivable are also included.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 670.10 Td (Management also considers overall portfolio indicators, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (including historical credit losses, delinquent, non-performing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 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 36.00 634.10 Td (evaluation of overall credit quality) Tj ET Q q 0 0 0 rg BT 173.63 634.10 Td (, the credit process, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (including lending policies and procedures, and economic, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (geographical, product and other environmental factors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 598.10 Td (Separate valuation allowances are determined for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (impaired smaller) Tj ET Q q 0 0 0 rg BT 103.28 586.10 Td (-balance homogeneous loans whose terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 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 36.00 562.10 Td (Long-term modification programs, and short-term \(less than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (12 months\) modifications that provide concessions \(such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (interest rate reductions\) to borrowers in financial dif) Tj ET Q q 0 0 0 rg BT 244.91 538.10 Td (ficulty) Tj ET Q q 0 0 0 rg BT 270.37 538.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (are reported as ) Tj ET Q q 0 0 0 rg BT 97.17 526.10 Td (TDRs. In addition, loan modifications that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (involve a trial period are reported as ) Tj ET Q q 0 0 0 rg BT 183.26 514.10 Td (TDRs at the start of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (trial period. ) Tj ET Q q 0 0 0 rg BT 84.97 502.10 Td (The allowance for loan losses for ) Tj ET Q q 0 0 0 rg BT 220.30 502.10 Td (TDRs is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (determined in accordance with ) Tj ET Q q 0 0 0 rg BT 160.95 490.10 Td (ASC 310-10-35, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 229.56 490.10 Td (Receivables) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (Subsequent Measur) Tj ET Q q 0 0 0 rg BT 123.12 478.10 Td (ement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.00 478.10 Td (, considering all available ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (evidence, including, as appropriate, the present value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (expected future cash flows discounted at the loan) Tj ET Q q 0 0 0 rg BT 235.65 454.10 Td (s original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (contractual ef) Tj ET Q q 0 0 0 rg BT 90.51 442.10 Td (fective rate, the secondary market value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (loan and the fair value of collateral less disposal costs. ) Tj ET Q q 0 0 0 rg BT 256.03 430.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (expected cash flows incorporate modification program ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (default rate assumptions. ) Tj ET Q q 0 0 0 rg BT 138.02 406.10 Td (The original contractual ef) Tj ET Q q 0 0 0 rg BT 244.17 406.10 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (rate for credit card loans is the pre-modification rate, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (may include interest rate increases under the original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (contractual agreement with the borrower) Tj ET Q q 0 0 0 rg BT 198.15 370.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 358.10 Td (V) Tj ET Q q 0 0 0 rg BT 60.11 358.10 Td (aluation allowances for commercial banking loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (which are classifiably managed consumer loans, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 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 36.00 322.10 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 36.00 310.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 74.77 310.10 Td (, an asset-specific component is calculated under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (ASC 310-10-35 on an individual basis for lar) Tj ET Q q 0 0 0 rg BT 216.63 298.10 Td (ger) Tj ET Q q 0 0 0 rg BT 229.20 298.10 Td (-balance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (non-homogeneous loans that are considered impaired, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 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 36.00 262.10 Td (consumer loan portfolio is calculated under ) Tj ET Q q 0 0 0 rg BT 211.50 262.10 Td (ASC 450 using a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (statistical methodology that may be supplemented by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (management adjustment.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (Corporate Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (In the corporate portfolios, the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 160.40 202.10 Td (Allowance for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.46 202.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (includes an asset-specific component and a statistically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (based component. ) Tj ET Q q 0 0 0 rg BT 110.52 178.10 Td (The asset-specific component is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (calculated under ) Tj ET Q q 0 0 0 rg BT 103.74 166.10 Td (ASC 310-10-35 for lar) Tj ET Q q 0 0 0 rg BT 194.38 166.10 Td (ger) Tj ET Q q 0 0 0 rg BT 206.95 166.10 Td (-balance, non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (homogeneous loans that are considered impaired. ) Tj ET Q q 0 0 0 rg BT 235.66 154.10 Td (An asset-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (specific allowance is established when the discounted cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (flows, collateral value \(less disposal costs\) or observable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (market price of the impaired loan are lower than its carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 62.47 106.10 Td (This allowance considers the borrower) Tj ET Q q 0 0 0 rg BT 217.79 106.10 Td () Tj ET Q q 0 0 0 rg BT 220.57 106.10 Td (s overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (financial condition, resources and payment record, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (prospects for support from any financially responsible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (guarantors \(discussed further below\) and, if appropriate, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (realizable value of any collateral. ) Tj ET Q q 0 0 0 rg BT 171.30 58.10 Td (The asset-specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (component of the allowance for smaller) Tj ET Q q 0 0 0 rg BT 194.91 46.10 Td (-balance impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (loans is calculated on a pool basis considering historical loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (experience.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 718.10 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 317.00 706.10 Td (determined under ) Tj ET Q q 0 0 0 rg BT 389.20 706.10 Td (ASC 450 using a statistical methodology) Tj ET Q q 0 0 0 rg BT 552.15 706.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (supplemented by management judgment. ) Tj ET Q q 0 0 0 rg BT 483.72 694.10 Td (The statistical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (analysis considers the portfolio) Tj ET Q q 0 0 0 rg BT 444.48 682.10 Td (s size, remaining tenor and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 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 317.00 658.10 Td (individual credit facilities, which reflect probability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (default and loss given default. ) Tj ET Q q 0 0 0 rg BT 439.56 646.10 Td (The statistical analysis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (considers historical default rates and historical loss severity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 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 317.00 610.10 Td (and historical variability) Tj ET Q q 0 0 0 rg BT 414.10 610.10 Td (. ) Tj ET Q q 0 0 0 rg BT 418.92 610.10 Td (The result is an estimated range for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (inherent losses. ) Tj ET Q q 0 0 0 rg BT 380.97 598.10 Td (The best estimate within the range is then ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (determined by management) Tj ET Q q 0 0 0 rg BT 430.85 586.10 Td (s quantitative and qualitative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (assessment of current conditions, including general ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (economic conditions, specific industry and geographic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (trends and internal factors including portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (concentrations, trends in internal credit quality indicators ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (and current and past underwriting standards.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 514.10 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 317.00 502.10 Td (components of the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 393.37 502.10 Td (Allowance for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.42 502.10 Td (, management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (may incorporate guarantor support. ) Tj ET Q q 0 0 0 rg BT 460.38 490.10 Td (The financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (wherewithal of the guarantor is evaluated, as applicable, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 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 317.00 454.10 Td (company financial statements, which are updated and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (reviewed at least annually) Tj ET Q q 0 0 0 rg BT 420.47 442.10 Td (. Citi seeks performance on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (guarantee arrangements in the normal course of business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (Seeking performance entails obtaining satisfactory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 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 317.00 394.10 Td (situation. ) Tj ET Q q 0 0 0 rg BT 356.26 394.10 Td (This regular cooperation is indicative of pursuit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 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 317.00 370.10 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 317.00 358.10 Td (remedy) Tj ET Q q 0 0 0 rg BT 346.34 358.10 Td (. ) Tj ET Q q 0 0 0 rg BT 350.78 358.10 Td (A) Tj ET Q q 0 0 0 rg BT 357.45 358.10 Td ( guarantor) Tj ET Q q 0 0 0 rg BT 398.64 358.10 Td () Tj ET Q q 0 0 0 rg BT 401.42 358.10 Td (s reputation and willingness to work ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (with Citigroup are evaluated based on the historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 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 317.00 322.10 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 317.00 310.10 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 317.00 298.10 Td (pursues a legal remedy; however) Tj ET Q q 0 0 0 rg BT 448.22 298.10 Td (, enforcing a guarantee via ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 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 317.00 274.10 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 317.00 262.10 Td (does not pursue a legal remedy) Tj ET Q q 0 0 0 rg BT 440.48 262.10 Td (, it is because Citi does not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 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 317.00 238.10 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 317.00 226.10 Td (limitations on simultaneously pursuing guarantors and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (foreclosure. ) Tj ET Q q 0 0 0 rg BT 366.42 214.10 Td (A) Tj ET Q q 0 0 0 rg BT 373.09 214.10 Td ( guarantor) Tj ET Q q 0 0 0 rg BT 414.28 214.10 Td () Tj ET Q q 0 0 0 rg BT 417.06 214.10 Td (s reputation does not impact Citi) Tj ET Q q 0 0 0 rg BT 550.10 214.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 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 335.00 190.10 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 317.00 178.10 Td (of loan losses, it is included via adjustment to the loan) Tj ET Q q 0 0 0 rg BT 536.69 178.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 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 317.00 154.10 Td (adjustment to the statistically based component of the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (Allowance for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.05 142.10 Td (. ) Tj ET Q q 0 0 0 rg BT 424.87 142.10 Td (T) Tj ET Q q 0 0 0 rg BT 430.28 142.10 Td (o date, it is only in rare ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (circumstances that an impaired commercial loan or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 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 317.00 106.10 Td (the appraised value due to a guarantee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 94.10 Td (When Citi) Tj ET Q q 0 0 0 rg BT 379.16 94.10 Td (s monitoring of the loan indicates that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (guarantor) Tj ET Q q 0 0 0 rg BT 355.69 82.10 Td () Tj ET Q q 0 0 0 rg BT 358.46 82.10 Td (s wherewithal to pay is uncertain or has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 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 317.00 58.10 Td (because the guarantor) Tj ET Q q 0 0 0 rg BT 404.55 58.10 Td () Tj ET Q q 0 0 0 rg BT 407.33 58.10 Td (s credit support was never initially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (factored in, or the risk rating is adjusted to reflect that ) Tj ET Q endstream endobj 275 0 obj <> endobj 276 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (137) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (uncertainty or deterioration. ) Tj ET Q q 0 0 0 rg BT 149.85 742.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 199.18 742.10 Td (, a guarantor) Tj ET Q q 0 0 0 rg BT 249.81 742.10 Td () Tj ET Q q 0 0 0 rg BT 252.59 742.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 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 36.00 718.10 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 36.00 706.10 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 36.00 694.10 Td (adjustment of the loan) Tj ET Q q 0 0 0 rg BT 127.92 694.10 Td (s risk rating at that time. ) Tj ET Q q 0 0 0 rg BT 227.45 694.10 Td (Where Citi is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (not seeking performance under the guarantee contract, it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 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 36.00 658.10 Td (and not guaranteed.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (Reserve Estimates and Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (Management provides reserves for an estimate of probable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 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 36.00 598.10 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 36.00 586.10 Td (loan losses. ) Tj ET Q q 0 0 0 rg BT 84.43 586.10 Td (These reserves are established in accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (with Citigroup) Tj ET Q q 0 0 0 rg BT 97.39 574.10 Td (s credit reserve policies, as approved by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (Audit Committee of the Citigroup Board of Directors. Citi) Tj ET Q q 0 0 0 rg BT 272.36 562.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (Chief Risk Of) Tj ET Q q 0 0 0 rg BT 91.93 550.10 Td (ficer and Chief Financial Of) Tj ET Q q 0 0 0 rg BT 204.48 550.10 Td (ficer review the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 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 36.00 526.10 Td (representatives from the risk management and finance staf) Tj ET Q q 0 0 0 rg BT 269.33 526.10 Td (fs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (for each applicable business area. ) Tj ET Q q 0 0 0 rg BT 172.05 514.10 Td (Applicable business areas ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (include those having classifiably managed portfolios, where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (internal credit-risk ratings are assigned \(primarily ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 237.04 490.10 Td (ICG ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.76 490.10 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 478.10 Td (\) or modified consumer loans, where concessions were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (granted due to the borrowers) Tj ET Q q 0 0 0 rg BT 153.55 466.10 Td ( financial dif) Tj ET Q q 0 0 0 rg BT 204.46 466.10 Td (ficulties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 454.10 Td (The aforementioned representatives for these business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (areas present recommended reserve balances for their funded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (and unfunded lending portfolios along with supporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (quantitative and qualitative data discussed below:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (Estimated pr) Tj ET Q q 0 0 0 rg BT 87.02 394.10 Td (obable losses for non-performing, non-) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (homogeneous exposur) Tj ET Q q 0 0 0 rg BT 124.78 382.10 Td (es within a business line) Tj ET Q q 0 0 0 rg BT 224.04 382.10 Td (s classifiably ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (managed portfolio and impair) Tj ET Q q 0 0 0 rg BT 156.46 370.10 Td (ed smaller) Tj ET Q q 0 0 0 rg BT 198.20 370.10 Td (-balance ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 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 36.00 346.10 Td (the borr) Tj ET Q q 0 0 0 rg BT 68.13 346.10 Td (owers) Tj ET Q q 0 0 0 rg BT 94.24 346.10 Td ( financial difficulties, wher) Tj ET Q q 0 0 0 rg BT 201.64 346.10 Td (e it was determined ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (that a concession was granted to the borr) Tj ET Q q 0 0 0 rg BT 202.01 334.10 Td (ower) Tj ET Q q 0 0 0 rg BT 220.90 334.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.40 334.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 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 36.00 310.10 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 36.00 298.10 Td (expected future cash flows discounted at the loan) Tj ET Q q 0 0 0 rg BT 235.65 298.10 Td (s original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 286.10 Td (fective rate, \(ii\) the borrower) Tj ET Q q 0 0 0 rg BT 159.73 286.10 Td () Tj ET Q q 0 0 0 rg BT 162.51 286.10 Td (s overall financial condition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 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 36.00 262.10 Td (support from financially responsible guarantors or the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 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 36.00 238.10 Td (allowance for loan losses for ) Tj ET Q q 0 0 0 rg BT 153.28 238.10 Td (TDRs, management considers a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (combination of historical re-default rates, the current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (economic environment and the nature of the modification ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (program when forecasting expected cash flows. ) Tj ET Q q 0 0 0 rg BT 228.80 202.10 Td (When ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 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 36.00 178.10 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 36.00 166.10 Td (value is recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 117.08 166.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 126.71 166.10 Td (ovision for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.43 166.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (Statistically calculated losses inher) Tj ET Q q 0 0 0 rg BT 177.00 142.10 Td (ent in the classifiably ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (managed portfolio for performing and de minimis non-) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (performing exposur) Tj ET Q q 0 0 0 rg BT 114.79 118.10 Td (es.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.62 118.10 Td ( ) Tj ET Q q 0 0 0 rg BT 127.94 118.10 Td (The calculation is based on \(i\) Citi) Tj ET Q q 0 0 0 rg BT 269.01 118.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 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 36.00 94.10 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 36.00 82.10 Td (historical default and loss data, including rating agency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (information regarding default rates from 1983 to 2017 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 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 36.00 46.10 Td (in the event of default. ) Tj ET Q q 0 0 0 rg BT 128.19 46.10 Td (Adjustments may be made to this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (data. Such adjustments include \(i\) statistically calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 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 317.00 718.10 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 317.00 706.10 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 317.00 694.10 Td (there are lar) Tj ET Q q 0 0 0 rg BT 364.56 694.10 Td (ge obligor concentrations in the global portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 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 317.00 670.10 Td (current environmental factors and credit trends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 658.10 Td (In addition, representatives from each of the risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (management and finance staf) Tj ET Q q 0 0 0 rg BT 433.71 646.10 Td (fs that cover business areas ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (with delinquency-managed portfolios containing smaller) Tj ET Q q 0 0 0 rg BT 543.41 634.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (balance homogeneous loans present their recommended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (reserve balances based on leading credit indicators, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 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 317.00 586.10 Td (well as economic trends, including current and future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (housing prices, unemployment, length of time in foreclosure, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (costs to sell and GDP) Tj ET Q q 0 0 0 rg BT 402.00 562.10 Td (. ) Tj ET Q q 0 0 0 rg BT 406.82 562.10 Td (This methodology is applied ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (separately for each individual product within each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (geographic region in which these portfolios exist.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 526.10 Td (This evaluation process is subject to numerous estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (and judgments. ) Tj ET Q q 0 0 0 rg BT 380.42 514.10 Td (The frequency of default, risk ratings, loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (recovery rates, the size and diversity of individual lar) Tj ET Q q 0 0 0 rg BT 529.80 502.10 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 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 317.00 478.10 Td (obligations to obtain the foreign currency necessary for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 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 317.00 454.10 Td (account during this review) Tj ET Q q 0 0 0 rg BT 422.71 454.10 Td (. Changes in these estimates could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 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 317.00 430.10 Td (could result in a change in the allowance.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (Allowance for Unfunded Lending Commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (A) Tj ET Q q 0 0 0 rg BT 323.67 394.10 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 317.00 382.10 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 317.00 370.10 Td (unfunded lending commitments and standby letters of credit. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 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 511.65 358.10 Td (Other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.78 346.10 Td (. Changes to the allowance for unfunded lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (commitments are recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 436.40 334.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 446.03 334.10 Td (ovision for unfunded lending ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.77 322.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (Mortgage Servicing Rights \(MSRs\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (Mortgage servicing rights \(MSRs\) are recognized as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 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 317.00 262.10 Td (or securitizes loans acquired through purchase or origination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 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 317.00 238.10 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 317.00 226.10 Td (recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 364.75 226.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 394.10 226.10 Td (evenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.36 226.10 Td (in the Company) Tj ET Q q 0 0 0 rg BT 491.02 226.10 Td (s Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (Statement of Income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 202.10 Td (For additional information on the Company) Tj ET Q q 0 0 0 rg BT 512.48 202.10 Td (s MSRs, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (Notes 16 and 21 to the Consolidated Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (Goodwill) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.23 154.10 Td ( represents the excess of acquisition cost over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (fair value of net tangible and intangible assets acquired in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (business combination. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 408.38 130.10 Td (Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.61 130.10 Td ( is subject to annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (impairment testing and between annual tests if an event ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (occurs or circumstances change that would more-likely-than-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (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 317.00 82.10 Td (carrying amount. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 70.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 361.94 70.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 383.71 70.10 Td (T) Tj ET Q q 0 0 0 rg BT 389.12 70.10 Td (opic 350, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 428.84 70.10 Td (IntangiblesGoodwill and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.33 58.10 Td (,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.83 58.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.33 58.10 Td (the Company has an option to assess qualitative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (factors to determine if it is necessary to perform the goodwill ) Tj ET Q endstream endobj 277 0 obj <> endobj 278 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (138) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 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 36.00 730.10 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 36.00 718.10 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 36.00 706.10 Td (than its carrying amount, no further testing is necessary) Tj ET Q q 0 0 0 rg BT 257.24 706.10 Td (. If, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (however) Tj ET Q q 0 0 0 rg BT 70.03 694.10 Td (, the Company determines that it is more-likely-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (than-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 36.00 670.10 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 36.00 658.10 Td (step of the two-step goodwill impairment test. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 646.10 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 36.00 634.10 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 36.00 622.10 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 36.00 610.10 Td (impairment test. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 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 36.00 586.10 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 36.00 574.10 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 36.00 562.10 Td (the carrying value, the related goodwill is considered not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (impaired and no further analysis is necessary) Tj ET Q q 0 0 0 rg BT 215.29 550.10 Td (. If the carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (value of the reporting unit exceeds the fair value, this is an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (indication of potential impairment and the second step of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (testing is performed to measure the amount of impairment, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (any) Tj ET Q q 0 0 0 rg BT 49.79 502.10 Td (, for that reporting unit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 490.10 Td (If required, the second step involves calculating the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (implied fair value of goodwill for each of the af) Tj ET Q q 0 0 0 rg BT 226.58 478.10 Td (fected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (reporting units. ) Tj ET Q q 0 0 0 rg BT 99.42 466.10 Td (The implied fair value of goodwill is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 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 36.00 442.10 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 36.00 430.10 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 36.00 418.10 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 36.00 406.10 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 36.00 394.10 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 36.00 382.10 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 36.00 370.10 Td (forma purchase price allocation, an impairment char) Tj ET Q q 0 0 0 rg BT 244.89 370.10 Td (ge is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (recorded for the excess. ) Tj ET Q q 0 0 0 rg BT 132.90 358.10 Td (A) Tj ET Q q 0 0 0 rg BT 139.57 358.10 Td ( recognized impairment char) Tj ET Q q 0 0 0 rg BT 254.06 358.10 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 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 36.00 334.10 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 36.00 322.10 Td (the fair value of the reporting unit recovers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 310.10 Td (Upon any business disposition, goodwill is allocated to, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (and derecognized with, the disposed business based on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 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 36.00 274.10 Td (value of the reporting unit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 262.10 Td (Additional information on Citi) Tj ET Q q 0 0 0 rg BT 179.27 262.10 Td (s goodwill impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (testing can be found in Note 16 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (Intangible ) Tj ET Q q 0 0 0 rg BT 81.85 214.10 Td (Assets) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (Intangible assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.39 202.10 Td (including core deposit intangibles, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (present value of future profits, purchased credit card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (relationships, credit card contract related intangibles, other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (customer relationships and other intangible assets, but ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (excluding MSRs) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 102.95 154.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.84 154.10 Td (are amortized over their estimated useful ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (lives. Intangible assets that are deemed to have indefinite ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (useful lives, primarily trade names, are not amortized and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (are subject to annual impairment tests. ) Tj ET Q q 0 0 0 rg BT 191.79 118.10 Td (An impairment exists ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (if the carrying value of the indefinite-lived intangible asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (exceeds its fair value. For other intangible assets subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (amortization, an impairment is recognized if the carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (amount is not recoverable and exceeds the fair value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (intangible asset.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 742.25 Td (Other) Tj ET Q q 0 0 0 rg BT 342.37 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 344.31 742.25 Td (Assets and Other) Tj ET Q q 0 0 0 rg BT 417.47 742.25 Td ( Liabilities) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 730.25 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.72 730.25 Td ( include, among other items, loans HFS, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.25 Td (deferred tax assets, equity method investments, interest and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.25 Td (fees receivable, premises and equipment \(including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.25 Td (purchased and developed software\), repossessed assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.25 Td (other receivables. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 390.02 682.25 Td (Other liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.63 682.25 Td ( include, among other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.25 Td (items, accrued expenses and other payables, deferred tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.25 Td (liabilities and reserves for legal claims, taxes, unfunded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.25 Td (lending commitments, repositioning reserves and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.25 Td (matters.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 610.25 Td (Other) Tj ET Q q 0 0 0 rg BT 342.37 610.25 Td ( Real Estate Owned and Repossessed ) Tj ET Q q 0 0 0 rg BT 501.82 610.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.25 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 317.00 586.25 Td (repossession are generally reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 470.55 586.25 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.28 586.25 Td (, net of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.25 Td (valuation allowance for selling costs and subsequent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.25 Td (declines in fair value.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 538.25 Td (Securitizations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.25 Td (There are two key accounting determinations that must be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.25 Td (made relating to securitizations. Citi first makes a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.25 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 317.00 490.25 Td (consolidated. Second, it determines whether the transfer of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.25 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 317.00 466.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 343.12 466.25 Td (. If the securitization entity is a ) Tj ET Q q 0 0 0 rg BT 469.56 466.25 Td (VIE, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.25 Td (consolidates the ) Tj ET Q q 0 0 0 rg BT 383.47 454.25 Td (VIE if it is the primary beneficiary \(as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.25 Td (discussed in V) Tj ET Q q 0 0 0 rg BT 378.66 442.25 Td (ariable Interest Entities above\). For all other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.25 Td (securitization entities determined not to be ) Tj ET Q q 0 0 0 rg BT 489.54 430.25 Td (VIEs in which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.25 Td (Citigroup participates, consolidation is based on which party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.25 Td (has voting control of the entity) Tj ET Q q 0 0 0 rg BT 439.38 406.25 Td (, giving consideration to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.25 Td (removal and liquidation rights in certain partnership ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.25 Td (structures. Only securitization entities controlled by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.25 Td (Citigroup are consolidated.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 358.25 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 317.00 346.25 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 317.00 334.25 Td (strips, subordinated tranches, spread accounts and servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.25 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 317.00 310.25 Td (seller) Tj ET Q q 0 0 0 rg BT 339.03 310.25 Td () Tj ET Q q 0 0 0 rg BT 341.80 310.25 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 317.00 298.25 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 317.00 286.25 Td (consolidated securitization entities, including the credit card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.25 Td (trusts, these retained interests are not reported on Citi) Tj ET Q q 0 0 0 rg BT 533.33 274.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.25 Td (Consolidated Balance Sheet. ) Tj ET Q q 0 0 0 rg BT 434.01 262.25 Td (The securitized loans remain on) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.25 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 317.00 238.25 Td (sold or securitized through non-consolidated trusts by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.25 Td (Citigroup are U.S. prime residential mortgage loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.25 Td (Retained interests in non-consolidated mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.25 Td (securitization trusts are classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 463.34 202.25 Td (T) Tj ET Q q 0 0 0 rg BT 468.35 202.25 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.56 202.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.25 Td (except for MSRs, which are included in) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 476.13 190.25 Td ( Intangible assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.12 190.25 Td ( on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 358.11 178.25 Td (s Consolidated Balance Sheet.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 154.25 Td (Debt) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 142.25 Td (Short-term borr) Tj ET Q q 0 0 0 rg BT 380.24 142.25 Td (owings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.08 142.25 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 428.02 142.25 Td (Long-term debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.96 142.25 Td ( are accounted for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.25 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 317.00 118.25 Td (report the debt instruments, including certain structured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.25 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 317.00 94.25 Td (relationship.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 70.25 Td (T) Tj ET Q q 0 0 0 rg BT 322.93 70.25 Td (ransfers of Financial ) Tj ET Q q 0 0 0 rg BT 413.20 70.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.25 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 317.00 46.25 Td (the assets must be legally isolated from the Company) Tj ET Q q 0 0 0 rg BT 529.64 46.25 Td (, even ) Tj ET Q endstream endobj 279 0 obj <> endobj 280 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 /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (in bankruptcy or other receivership, \(ii\) the purchaser must ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (have the right to pledge or sell the assets transferred \(or) Tj ET Q q 0 0 0 rg BT 257.74 730.10 Td (, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (the purchaser is an entity whose sole purpose is to engage in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (securitization and asset-backed financing activities through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (the issuance of beneficial interests and that entity is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (constrained from pledging the assets it receives, each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (beneficial interest holder must have the right to sell or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (pledge their beneficial interests\) and \(iii\) the Company may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (not have an option or obligation to reacquire the assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 634.10 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 36.00 622.10 Td (removed from the Company) Tj ET Q q 0 0 0 rg BT 151.81 622.10 Td (s Consolidated Balance Sheet. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 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 36.00 598.10 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 36.00 586.10 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 36.00 574.10 Td (recognized as the Company) Tj ET Q q 0 0 0 rg BT 149.57 574.10 Td (s liability) Tj ET Q q 0 0 0 rg BT 186.42 574.10 Td (. ) Tj ET Q q 0 0 0 rg BT 190.87 574.10 Td (A) Tj ET Q q 0 0 0 rg BT 197.54 574.10 Td ( legal opinion on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 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 36.00 550.10 Td (the Company has continuing involvement with assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (transferred or with the securitization entity) Tj ET Q q 0 0 0 rg BT 206.12 538.10 Td (. For a transfer to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (be eligible for sale accounting, that opinion must state that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 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 36.00 502.10 Td (assets transferred would not be consolidated with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (Company) Tj ET Q q 0 0 0 rg BT 77.67 490.10 Td (s other assets in the event of the Company) Tj ET Q q 0 0 0 rg BT 249.30 490.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (insolvency) Tj ET Q q 0 0 0 rg BT 78.68 478.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 466.10 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 36.00 454.10 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 36.00 442.10 Td (definition of a participating interest. ) Tj ET Q q 0 0 0 rg BT 182.07 442.10 Td (A) Tj ET Q q 0 0 0 rg BT 188.74 442.10 Td ( participating interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 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 36.00 418.10 Td (asset; all cash flows must be divided proportionately) Tj ET Q q 0 0 0 rg BT 245.58 418.10 Td (, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 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 36.00 394.10 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 36.00 382.10 Td (another participating interest holder) Tj ET Q q 0 0 0 rg BT 178.60 382.10 Td (, and no party may have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 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 36.00 358.10 Td (unless all participating interest holders agree. Otherwise, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (transfer is accounted for as a secured borrowing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 334.10 Td (See Note 21 to the Consolidated Financial Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (for further discussion.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (Risk Management ) Tj ET Q q 0 0 0 rg BT 116.00 298.10 Td (ActivitiesDerivatives Used for) Tj ET Q q 0 0 0 rg BT 253.00 298.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (Hedging Purposes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (The Company manages its exposures to market movements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (outside of its trading activities by modifying the asset and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (liability mix, either directly or through the use of derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (financial products, including interest rate swaps, futures, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (forwards and purchased options, as well as foreign-exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 76.91 214.10 Td (These end-user derivatives are carried at fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 46.28 202.10 Td (T) Tj ET Q q 0 0 0 rg BT 51.29 202.10 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.50 202.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 157.94 202.10 Td (T) Tj ET Q q 0 0 0 rg BT 162.95 202.10 Td (rading account liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.06 202.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 190.10 Td ( See Note 22 to the Consolidated Financial Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (for a further discussion of the Company) Tj ET Q q 0 0 0 rg BT 198.19 178.10 Td (s hedging and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (derivative activities.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (Employee Benefits Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (Employee benefits expense includes current service costs of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (pension and other postretirement benefit plans \(which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (accrued on a current basis\), contributions and unrestricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (awards under other employee plans, the amortization of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 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 36.00 70.10 Td (For its most significant pension and postretirement benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (plans \(Significant Plans\), Citigroup measures and discloses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (plan obligations, plan assets and periodic plan expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (quarterly) Tj ET Q q 0 0 0 rg BT 352.44 742.10 Td (, instead of annually) Tj ET Q q 0 0 0 rg BT 432.88 742.10 Td (. ) Tj ET Q q 0 0 0 rg BT 437.70 742.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 463.34 742.10 Td (fect of remeasuring the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (Significant Plan obligations and assets by updating plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 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 317.00 706.10 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 420.49 706.10 Td (ehensive income \(loss\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.51 706.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (periodic plan expense. ) Tj ET Q q 0 0 0 rg BT 408.64 694.10 Td (All other plans \(All Other Plans\) are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (remeasured annually) Tj ET Q q 0 0 0 rg BT 399.37 682.10 Td (. See Note 8 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (Stock-Based Compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (The Company recognizes compensation expense related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 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 317.00 610.10 Td (generally based on the instruments) Tj ET Q q 0 0 0 rg BT 458.44 610.10 Td ( grant-date fair value, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (reduced by actual forfeitures as they occur) Tj ET Q q 0 0 0 rg BT 486.37 598.10 Td (. Compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (cost related to awards granted to employees who meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (certain age plus years-of-service requirements \(retirement-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (eligible employees\) is accrued in the year prior to the grant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (date, in the same manner as the accrual for cash incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (compensation. Certain stock awards with performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (conditions or certain clawback provisions are subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (variable accounting, pursuant to which the associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (compensation expense fluctuates with changes in Citigroup) Tj ET Q q 0 0 0 rg BT 557.50 502.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (common stock price. See Note 7 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 350.98 454.10 Td (T) Tj ET Q q 0 0 0 rg BT 356.73 454.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 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 317.00 430.10 Td (and its states and municipalities, as well as the non-U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (jurisdictions in which it operates. ) Tj ET Q q 0 0 0 rg BT 452.35 418.10 Td (These tax laws are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (complex and may be subject to dif) Tj ET Q q 0 0 0 rg BT 454.56 406.10 Td (ferent interpretations by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (the taxpayer and the relevant governmental taxing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (authorities. In establishing a provision for income tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (expense, the Company must make judgments and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (interpretations about these tax laws. ) Tj ET Q q 0 0 0 rg BT 462.89 358.10 Td (The Company must also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (make estimates about when in the future certain items will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (af) Tj ET Q q 0 0 0 rg BT 324.59 334.10 Td (fect taxable income in the various tax jurisdictions, both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (domestic and foreign.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 310.10 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 317.00 298.10 Td (subject to review and adjudication by the court systems of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (the various tax jurisdictions, or may be settled with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (taxing authority upon examination or audit. ) Tj ET Q q 0 0 0 rg BT 493.17 274.10 Td (The Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (treats interest and penalties on income taxes as a component ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 327.83 250.10 Td (Income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.12 250.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 238.10 Td (Deferred taxes are recorded for the future consequences ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (of events that have been recognized in financial statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 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 317.00 202.10 Td (Deferred tax assets are recognized subject to management) Tj ET Q q 0 0 0 rg BT 551.61 202.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (judgment about whether realization is more-likely-than-not. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (ASC 740, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 358.95 178.10 Td (Income T) Tj ET Q q 0 0 0 rg BT 395.53 178.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.29 178.10 Td (, sets out a consistent framework to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (determine the appropriate level of tax reserves to maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (for uncertain tax positions. ) Tj ET Q q 0 0 0 rg BT 426.52 154.10 Td (This interpretation uses a two-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (step approach wherein a tax benefit is recognized if a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (position is more-likely-than-not to be sustained. ) Tj ET Q q 0 0 0 rg BT 510.96 130.10 Td (The amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (of the benefit is then measured to be the highest tax benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (that is more than 50% likely to be realized. ) Tj ET Q q 0 0 0 rg BT 490.84 106.10 Td (ASC 740 also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (sets out disclosure requirements to enhance transparency of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (an entity) Tj ET Q q 0 0 0 rg BT 354.49 82.10 Td (s tax reserves.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 70.10 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 317.00 58.10 Td (a further description of the Company) Tj ET Q q 0 0 0 rg BT 467.79 58.10 Td (s tax provision and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (related income tax assets and liabilities.) 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 31.60 Td (140) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Commissions, Underwriting and Principal ) Tj ET Q q 0 0 0 rg BT 218.89 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 224.82 742.25 Td (ransactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (Commissions and fees revenues are recognized in income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (when earned. Underwriting revenues are recognized in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (income typically at the closing of the transaction. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 235.66 706.25 Td (Principal ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.45 694.25 Td ( revenues are recognized in income on a trade-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 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 36.00 670.25 Td (Statements for a description of the Company) Tj ET Q q 0 0 0 rg BT 217.63 670.25 Td (s revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (recognition policies for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 131.81 658.25 Td (Commissions and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.70 658.25 Td (, and Note 6 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (the Consolidated Financial Statements for details of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.72 634.25 Td ( revenue.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (Earnings per) Tj ET Q q 0 0 0 rg BT 91.66 610.25 Td ( Shar) Tj ET Q q 0 0 0 rg BT 114.54 610.25 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (Earnings per share \(EPS\) is computed after deducting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (preferred stock dividends. ) Tj ET Q q 0 0 0 rg BT 142.45 586.25 Td (The Company has granted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 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 36.00 562.25 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 36.00 550.25 Td (to a second class of common stock. ) Tj ET Q q 0 0 0 rg BT 179.31 550.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 228.64 550.25 Td (, a portion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 538.25 Td (s earnings is allocated to those participating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (securities in the EPS calculation.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 514.25 Td (Basic earnings per shar) Tj ET Q q 0 0 0 rg BT 149.46 514.25 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.90 514.25 Td ( is computed by dividing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (income available to common stockholders after the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (allocation of dividends and undistributed earnings to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.25 Td (participating securities by the weighted average number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 Td (common shares outstanding for the period. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 209.57 466.25 Td (Diluted earnings ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 454.25 Td (per shar) Tj ET Q q 0 0 0 rg BT 69.24 454.25 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.68 454.25 Td ( reflects the potential dilution that could occur if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 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 36.00 430.25 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 36.00 418.25 Td (weighted average dilutive ef) Tj ET Q q 0 0 0 rg BT 149.38 418.25 Td (fect of the Company) Tj ET Q q 0 0 0 rg BT 234.08 418.25 Td (s stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.25 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 36.00 394.25 Td (allocation of earnings to the participating securities. ) Tj ET Q q 0 0 0 rg BT 245.38 394.25 Td (Anti-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.25 Td (dilutive options and warrants are disregarded in the EPS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.25 Td (calculations. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 346.25 Td (Use of Estimates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.25 Td (Management must make estimates and assumptions that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.25 Td (af) Tj ET Q q 0 0 0 rg BT 43.59 322.25 Td (fect the Consolidated Financial Statements and the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.25 Td (Notes to the Consolidated Financial Statements. Such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.25 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 36.00 286.25 Td (measurements. See Note 24 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.25 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 36.00 262.25 Td (determination of fair value. Moreover) Tj ET Q q 0 0 0 rg BT 186.93 262.25 Td (, estimates are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.25 Td (significant in determining the amounts of other) Tj ET Q q 0 0 0 rg BT 224.09 250.25 Td (-than-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.25 Td (temporary impairments, impairments of goodwill and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.25 Td (intangible assets, provisions for probable losses that may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.25 Td (arise from credit-related exposures and probable and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.25 Td (estimable losses related to litigation and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.25 Td (proceedings, and income taxes. ) Tj ET Q q 0 0 0 rg BT 163.55 190.25 Td (While management makes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.25 Td (its best judgment, actual amounts or results could dif) Tj ET Q q 0 0 0 rg BT 247.17 178.25 Td (fer from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.25 Td (those estimates. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 142.25 Td (Cash Flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.25 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 36.00 118.25 Td (Cash and due fr) Tj ET Q q 0 0 0 rg BT 99.80 118.25 Td (om banks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.85 118.25 Td ( and predominately all of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 240.87 118.25 Td (Deposits ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 106.25 Td (with banks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.06 106.25 Td (. Cash flows from risk management activities are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.25 Td (classified in the same category as the related assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.25 Td (liabilities.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 742.25 Td (Related Party ) Tj ET Q q 0 0 0 rg BT 378.46 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 384.39 742.25 Td (ransactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.25 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 317.00 718.25 Td (its subsidiaries and af) Tj ET Q q 0 0 0 rg BT 403.19 718.25 Td (filiates. ) Tj ET Q q 0 0 0 rg BT 435.22 718.25 Td (These transactions, which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.25 Td (primarily short-term in nature, include cash accounts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.25 Td (collateralized financing transactions, mar) Tj ET Q q 0 0 0 rg BT 481.75 694.25 Td (gin accounts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.25 Td (derivative transactions, char) Tj ET Q q 0 0 0 rg BT 429.27 682.25 Td (ges for operational support and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.25 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 317.00 658.25 Td (the ordinary course of business.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 634.25 Td (ACCOUNTING CHANGES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 610.25 Td (SEC Staff ) Tj ET Q q 0 0 0 rg BT 361.45 610.25 Td (Accounting Bulletin 1) Tj ET Q q 0 0 0 rg BT 453.69 610.25 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.25 Td (On December 22, 2017, the SEC issued Staf) Tj ET Q q 0 0 0 rg BT 494.29 598.25 Td (f ) Tj ET Q q 0 0 0 rg BT 499.57 598.25 Td (Accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.25 Td (Bulletin \(SAB\) 1) Tj ET Q q 0 0 0 rg BT 384.96 586.25 Td (18, which set forth the accounting for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.25 Td (changes in tax law caused by the enactment of the ) Tj ET Q q 0 0 0 rg BT 519.52 574.25 Td (T) Tj ET Q q 0 0 0 rg BT 524.93 574.25 Td (ax Cuts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.25 Td (and Jobs ) Tj ET Q q 0 0 0 rg BT 353.67 562.25 Td (Act \(T) Tj ET Q q 0 0 0 rg BT 379.35 562.25 Td (ax Reform\). SAB 1) Tj ET Q q 0 0 0 rg BT 456.75 562.25 Td (18 provided guidance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.25 Td (where the accounting under ) Tj ET Q q 0 0 0 rg BT 429.73 550.25 Td (ASC 740 was incomplete for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.25 Td (certain income tax ef) Tj ET Q q 0 0 0 rg BT 400.94 538.25 Td (fects of ) Tj ET Q q 0 0 0 rg BT 432.97 538.25 Td (T) Tj ET Q q 0 0 0 rg BT 438.38 538.25 Td (ax Reform, at the time of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.25 Td (issuance of an entity) Tj ET Q q 0 0 0 rg BT 401.70 526.25 Td (s financial statements for the period in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.25 Td (which ) Tj ET Q q 0 0 0 rg BT 343.76 514.25 Td (T) Tj ET Q q 0 0 0 rg BT 349.17 514.25 Td (ax Reform was enacted \(provisional items\). Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.25 Td (disclosed several provisional items recorded as part of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.25 Td ($22.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.11 490.25 Td ( fourth quarter 2017 char) Tj ET Q q 0 0 0 rg BT 467.89 490.25 Td (ge related to ) Tj ET Q q 0 0 0 rg BT 519.63 490.25 Td (T) Tj ET Q q 0 0 0 rg BT 525.04 490.25 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.25 Td (Reform.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 466.25 Td (Citi completed its accounting for ) Tj ET Q q 0 0 0 rg BT 468.96 466.25 Td (T) Tj ET Q q 0 0 0 rg BT 474.37 466.25 Td (ax Reform under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.25 Td (SAB 1) Tj ET Q q 0 0 0 rg BT 343.58 454.25 Td (18 during the fourth quarter of 2018 and recorded a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.25 Td (one-time, non-cash tax benefit of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.95 442.25 Td ($94 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.34 442.25 Td ( in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 511.12 442.25 Td (Corporate/) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 430.25 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.33 430.25 Td ( related to amounts that were considered provisional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.25 Td (pursuant to SAB 1) Tj ET Q q 0 0 0 rg BT 390.80 418.25 Td (18. ) Tj ET Q q 0 0 0 rg BT 405.62 418.25 Td (The adjustments related to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.25 Td (provisional amounts consisted of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.37 406.25 Td ($1.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.48 406.25 Td ( benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.25 Td (relating to a reduction of the valuation allowance against ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 334.78 382.25 Td (s FTC carry-forwards and its U.S. residual DT) Tj ET Q q 0 0 0 rg BT 519.78 382.25 Td (As related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.25 Td (to its non-U.S. branches, of) Tj ET Q q 0 0 0 rg BT 426.53 370.25 Td (fset by an additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.39 370.25 Td ($0.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 556.51 370.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.25 Td (char) Tj ET Q q 0 0 0 rg BT 334.03 358.25 Td (ge related to the impact of a change to a quasi-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.25 Td (territorial tax system and an additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.06 346.25 Td ($0.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.17 346.25 Td ( char) Tj ET Q q 0 0 0 rg BT 543.70 346.25 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.25 Td (related to the impact of deemed repatriation of undistributed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.25 Td (earnings of non-U.S. subsidiaries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 310.25 Td (Also, Citi has made a policy election to account for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.25 Td (taxes on GIL) Tj ET Q q 0 0 0 rg BT 368.29 298.25 Td (TI as incurred.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 274.25 Td (Revenue Recognition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.25 Td (In May 2014, the Financial ) Tj ET Q q 0 0 0 rg BT 427.54 262.25 Td (Accounting Standards Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.25 Td (\(F) Tj ET Q q 0 0 0 rg BT 325.15 250.25 Td (ASB\) issued ) Tj ET Q q 0 0 0 rg BT 377.38 250.25 Td (Accounting Standards Update \(ASU\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.25 Td (2014-09, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 355.33 238.25 Td (Revenue fr) Tj ET Q q 0 0 0 rg BT 397.99 238.25 Td (om Contracts with Customers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.17 238.25 Td ( \(Revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.25 Td (Recognition\), which outlines a single comprehensive model ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.25 Td (for entities to use in accounting for revenue arising from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.25 Td (contracts with customers. ) Tj ET Q q 0 0 0 rg BT 421.24 202.25 Td (The core principle of the revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.25 Td (model is that an entity recognizes revenue to depict the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.25 Td (transfer of promised goods or services to customers in an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.25 Td (amount that reflects the consideration to which the entity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.25 Td (expects to be entitled in exchange for those goods or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.25 Td (services. ) Tj ET Q q 0 0 0 rg BT 354.03 142.25 Td (The ) Tj ET Q q 0 0 0 rg BT 371.52 142.25 Td (ASU defines the promised good or service as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.25 Td (the performance obligation under the contract.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 118.25 Td (While the guidance replaces most existing revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.25 Td (recognition guidance in GAAP) Tj ET Q q 0 0 0 rg BT 440.03 106.25 Td (, the ) Tj ET Q q 0 0 0 rg BT 459.20 106.25 Td (ASU is not applicable to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.25 Td (financial instruments and, therefore, does not impact a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.25 Td (majority of the Company) Tj ET Q q 0 0 0 rg BT 420.59 82.25 Td (s revenues, including net interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.25 Td (income, loan fees, gains on sales and mark-to-market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.25 Td (accounting.) 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 (141) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (In accordance with the new revenue recognition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (standard, Citi has identified the specific performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (obligation \(promised services\) associated with the contract ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (with the customer and has determined when that specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (performance obligation has been satisfied, which may be at a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (point in time or over time depending on how the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (performance obligation is defined. ) Tj ET Q q 0 0 0 rg BT 176.05 670.10 Td (The contracts with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (customers also contain the transaction price, which consists ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (of fixed consideration and/or consideration that may vary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (\(variable consideration\), and is defined as the amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (consideration an entity expects to be entitled to when or as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (the performance obligation is satisfied, excluding amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (collected on behalf of third parties \(including transaction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (taxes\). ) Tj ET Q q 0 0 0 rg BT 64.70 586.10 Td (The amounts recognized at the point in time the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (performance obligation is satisfied may dif) Tj ET Q q 0 0 0 rg BT 207.71 574.10 Td (fer from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (ultimate transaction price associated with that performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (obligation when a portion of it is based on variable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (consideration. For example, some consideration is based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (the client) Tj ET Q q 0 0 0 rg BT 75.71 526.10 Td (s month-end balance or market values which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (unknown at the time the contract is executed. ) Tj ET Q q 0 0 0 rg BT 219.37 514.10 Td (The remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (transaction price amount, if any) Tj ET Q q 0 0 0 rg BT 162.25 502.10 Td (, will be recognized as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (variable consideration becomes determinable. In certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (transactions, the performance obligation is considered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (satisfied at a point in time in the future. In this instance, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (defers revenue on the balance sheet that will only be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (recognized upon completion of the performance obligation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 430.10 Td (The new revenue recognition standard further clarified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (the guidance related to reporting revenue gross as principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (versus net as an agent. In many cases, Citi outsources a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (component of its performance obligations to third parties. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (The Company has determined that it acts as principal in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (majority of these transactions and therefore presents the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (amounts paid to these third parties gross within operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (expenses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 334.10 Td (The Company has retrospectively adopted this standard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (as of January 1, 2018 and as a result was required to report ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (amounts paid to third parties where Citi is principal to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (contract within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 98.76 298.10 Td (Operating expenses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.90 298.10 Td (The adoption resulted in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (an increase in both revenue and expenses of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td ($1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.61 274.10 Td ( for each of the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.61 274.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.20 274.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (and 2017 with similar amounts for prior years. Prior to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (adoption, these expense amounts were reported as contra ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (revenue primarily within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 137.91 238.10 Td (Commissions and fees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.31 238.10 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (Administration and other fiduciary fees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.26 226.10 Td (revenues. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 85.34 214.10 Td (, prior periods have been reclassified to conform ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (to the new presentation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 190.10 Td (See Note 5 to the Consolidated Financial Statements for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (a description of the Company) Tj ET Q q 0 0 0 rg BT 157.08 178.10 Td (s revenue recognition policies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.16 166.10 Td (Commissions and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.05 166.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 158.49 166.10 Td (Administration and other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (fiduciary fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.15 154.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 69.98 130.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.73 130.10 Td (ax Impact of Intra-Entity ) Tj ET Q q 0 0 0 rg BT 186.65 130.10 Td (T) Tj ET Q q 0 0 0 rg BT 192.58 130.10 Td (ransfers of ) Tj ET Q q 0 0 0 rg BT 240.35 130.10 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (In October 2016, the F) Tj ET Q q 0 0 0 rg BT 126.07 118.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 174.97 118.10 Td (ASU No. 2016-16, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (Income T) Tj ET Q q 0 0 0 rg BT 72.57 106.10 Td (axesIntra-Entity T) Tj ET Q q 0 0 0 rg BT 153.95 106.10 Td (ransfers of ) Tj ET Q q 0 0 0 rg BT 199.33 106.10 Td (Assets Other Than ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (Inventory) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.32 94.10 Td (, which requires an entity to recognize the income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (tax consequences of an intra-entity transfer of an asset other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (than inventory when the transfer occurs. ) Tj ET Q q 0 0 0 rg BT 199.37 70.10 Td (The ) Tj ET Q q 0 0 0 rg BT 216.87 70.10 Td (ASU was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 58.10 Td (fective January 1, 2018 and was adopted as of that date. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (The impact of this standard was an increase of DT) Tj ET Q q 0 0 0 rg BT 236.52 46.10 Td (As by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.26 742.10 Td ($300 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 742.10 Td (, a decrease of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 488.33 742.10 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 561.38 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (by approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.76 730.10 Td ($80 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.15 730.10 Td ( and a decrease of prepaid tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (assets by approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.59 718.10 Td ($380 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.98 718.10 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (Clarifying the Definition of a Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (In January 2017, the F) Tj ET Q q 0 0 0 rg BT 405.96 682.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 454.87 682.10 Td (ASU No. 2017-01, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (Business Combinations \(T) Tj ET Q q 0 0 0 rg BT 421.09 670.10 Td (opic 805\): Clarifying the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (Definition of a Business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.83 658.10 Td (The definition of a business directly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (and indirectly af) Tj ET Q q 0 0 0 rg BT 382.35 646.10 Td (fects many areas of accounting \(e.g., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (acquisitions, disposals, goodwill and consolidation\). ) Tj ET Q q 0 0 0 rg BT 528.47 634.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (ASU narrows the definition of a business by introducing a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (quantitative screen as the first step, such that if substantially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (all of the fair value of the gross assets acquired is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (concentrated in a single identifiable asset or a group of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (similar identifiable assets, then the set of transferred assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (and activities is not a business. If the set is not scoped out ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (from the quantitative screen, the entity then evaluates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (whether the set meets the requirement that a business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (include, at a minimum, an input and a substantive process ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (that together significantly contribute to the ability to create ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (outputs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 490.10 Td (Citi adopted the ) Tj ET Q q 0 0 0 rg BT 400.83 490.10 Td (ASU upon its ef) Tj ET Q q 0 0 0 rg BT 465.37 490.10 Td (fective date on January ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (1, 2018, prospectively) Tj ET Q q 0 0 0 rg BT 405.22 478.10 Td (. ) Tj ET Q q 0 0 0 rg BT 410.04 478.10 Td (The ongoing impact of the ) Tj ET Q q 0 0 0 rg BT 518.07 478.10 Td (ASU will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (depend upon the acquisition and disposal activities of Citi. If ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (fewer transactions qualify as a business, there could be less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (initial recognition of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 401.70 442.10 Td (Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.93 442.10 Td (, but also less goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (allocated to disposals. ) Tj ET Q q 0 0 0 rg BT 407.36 430.10 Td (There was no impact during 2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (from the adoption of this ) Tj ET Q q 0 0 0 rg BT 418.38 418.10 Td (ASU.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (Changes in ) Tj ET Q q 0 0 0 rg BT 366.46 394.10 Td (Accounting for) Tj ET Q q 0 0 0 rg BT 430.44 394.10 Td ( Pension and Postr) Tj ET Q q 0 0 0 rg BT 509.99 394.10 Td (etir) Tj ET Q q 0 0 0 rg BT 524.80 394.10 Td (ement ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (\(Benefit\) Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (In March 2017, the F) Tj ET Q q 0 0 0 rg BT 400.96 370.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 449.87 370.10 Td (ASU No. 2017-07, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (CompensationRetir) Tj ET Q q 0 0 0 rg BT 403.29 358.10 Td (ement Benefits \(T) Tj ET Q q 0 0 0 rg BT 472.36 358.10 Td (opic 715\): Impr) Tj ET Q q 0 0 0 rg BT 535.31 358.10 Td (oving ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (the Pr) Tj ET Q q 0 0 0 rg BT 341.35 346.10 Td (esentation of Net Periodic Pension Cost and Net ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (Periodic Postr) Tj ET Q q 0 0 0 rg BT 375.23 334.10 Td (etir) Tj ET Q q 0 0 0 rg BT 388.75 334.10 Td (ement Benefit Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.29 334.10 Td (,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 466.79 334.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.29 334.10 Td (which changes the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (income statement presentation of net benefit expense and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (requires restating the Company) Tj ET Q q 0 0 0 rg BT 445.02 310.10 Td (s financial statements for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (each of the earlier periods presented in Citi) Tj ET Q q 0 0 0 rg BT 492.21 298.10 Td (s annual and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (interim financial statements. ) Tj ET Q q 0 0 0 rg BT 432.89 286.10 Td (The change in presentation was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (ef) Tj ET Q q 0 0 0 rg BT 324.59 274.10 Td (fective for annual and interim periods starting January 1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 341.82 262.10 Td (The ) Tj ET Q q 0 0 0 rg BT 359.31 262.10 Td (ASU requires that only the service cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (component of net benefit expense be included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (Compensation and benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.88 238.10 Td ( on the income statement.) Tj ET Q q 0 0 0 rg BT 530.67 238.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (other components of net benefit expense are required to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (presented outside of) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 397.53 214.10 Td ( Compensation and benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.91 214.10 Td ( and are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (presented in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 368.09 202.10 Td (Other operating expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.85 202.10 Td (.Since both of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (income statement line items are part of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 475.00 190.10 Td (Operating expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.14 190.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (total ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 337.27 178.10 Td (Operating expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.42 178.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 435.86 178.10 Td (Net income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.62 178.10 Td (will not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (change.) Tj ET Q q 0 0 0 rg BT 350.13 166.10 Td (This change in presentation did not have a material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (ef) Tj ET Q q 0 0 0 rg BT 324.59 154.10 Td (fect on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 354.57 154.10 Td (Compensation and benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.46 154.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 482.89 154.10 Td (Other operating ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.54 142.10 Td ( and is applied prospectively) Tj ET Q q 0 0 0 rg BT 466.30 142.10 Td (. ) Tj ET Q q 0 0 0 rg BT 471.12 142.10 Td (The components of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (the net benefit expense are currently disclosed in Note 8 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (the Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 106.10 Td () Tj ET Q q 0 0 0 rg BT 337.32 106.10 Td (The new standard also changes the components of net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (benefit expense that are eligible for capitalization when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (employee costs are capitalized in connection with various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (activities, such as internally developed software, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (construction-in-progress and loan origination costs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (Prospectively from January 1, 2018, only the service cost ) 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 (142) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (component of net benefit expense may be capitalized. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (Existing capitalized balances are not af) Tj ET Q q 0 0 0 rg BT 192.14 730.10 Td (fected. ) Tj ET Q q 0 0 0 rg BT 221.38 730.10 Td (This change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (amounts eligible for capitalization does not have a material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 706.10 Td (fect on the Company) Tj ET Q q 0 0 0 rg BT 129.96 706.10 Td (s Consolidated Financial Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (and related disclosures.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (Pension ) Tj ET Q q 0 0 0 rg BT 71.29 670.10 Td (Accounting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (In ) Tj ET Q q 0 0 0 rg BT 46.28 658.10 Td (August 2018, the F) Tj ET Q q 0 0 0 rg BT 122.21 658.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 171.11 658.10 Td (ASU 2018-14, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 231.94 658.10 Td (Defined) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (Benefit Plans \(T) Tj ET Q q 0 0 0 rg BT 100.07 646.10 Td (opic 715-20\): Disclosur) Tj ET Q q 0 0 0 rg BT 195.80 646.10 Td (e Framework - ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (Changes to the Disclosur) Tj ET Q q 0 0 0 rg BT 137.02 634.10 Td (e Requir) Tj ET Q q 0 0 0 rg BT 170.80 634.10 Td (ements for Defined) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (Benefit Plans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.10 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 94.42 622.10 Td (The amendments modify certain disclosure) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (requirements for defined benefit plans and are ef) Tj ET Q q 0 0 0 rg BT 230.45 610.10 Td (fective) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (January 1, 2021, with early adoption permitted. ) Tj ET Q q 0 0 0 rg BT 228.00 598.10 Td (The) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (Company adopted this ) Tj ET Q q 0 0 0 rg BT 127.94 586.10 Td (ASU as of December 31, 2018 and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (the adoption of this standard did not have a material impact) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (on the Company) Tj ET Q q 0 0 0 rg BT 101.45 562.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (Hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (In ) Tj ET Q q 0 0 0 rg BT 46.28 526.10 Td (August 2017, the F) Tj ET Q q 0 0 0 rg BT 122.21 526.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 171.11 526.10 Td (ASU No. 2017-12, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (T) Tj ET Q q 0 0 0 rg BT 40.64 514.10 Td (ar) Tj ET Q q 0 0 0 rg BT 49.16 514.10 Td (geted Impr) Tj ET Q q 0 0 0 rg BT 92.39 514.10 Td (ovements to ) Tj ET Q q 0 0 0 rg BT 142.20 514.10 Td (Accounting for Hedging ) Tj ET Q q 0 0 0 rg BT 241.17 514.10 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.37 514.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (which better aligns an entity) Tj ET Q q 0 0 0 rg BT 152.08 502.10 Td (s risk management activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (and financial reporting for hedging relationships through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (changes to the designation and measurement guidance for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (qualifying hedging relationships and the presentation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (hedge results.) Tj ET Q q 0 0 0 rg BT 93.30 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 110.80 454.10 Td (ASU requires the change in the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (of the hedging instrument to be presented in the same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (income statement line as the hedged item and also requires ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (expanded disclosures. Citi adopted this standard on January ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (1, 2018 and transferred approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.50 406.10 Td ($4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.12 406.10 Td ( of pre-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (payable mortgage-backed securities and municipal bonds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (from held-to-maturity \(HTM\) into available-for) Tj ET Q q 0 0 0 rg BT 226.29 382.10 Td (-sale \(AFS\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (securities classification as permitted as a one-time transfer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (upon adoption of the standard, as these assets were deemed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (to be eligible to be hedged under the last-of-layer hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 67.01 334.10 Td (. ) Tj ET Q q 0 0 0 rg BT 71.83 334.10 Td (The impact to opening ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 164.58 334.10 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.62 334.10 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (immaterial. See Note 19 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (Statements for more information. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (Recognition and Measur) Tj ET Q q 0 0 0 rg BT 140.82 286.10 Td (ement of Financial ) Tj ET Q q 0 0 0 rg BT 222.20 286.10 Td (Assets and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (Financial Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (In January 2016, the F) Tj ET Q q 0 0 0 rg BT 124.96 262.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 173.87 262.10 Td (ASU No. 2016-01, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (Financial InstrumentsOverall \(Subtopic 825-10\): ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (Recognition and Measur) Tj ET Q q 0 0 0 rg BT 134.50 238.10 Td (ement of Financial ) Tj ET Q q 0 0 0 rg BT 212.36 238.10 Td (Assets and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (Financial Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.94 226.10 Td (, which addresses certain aspects of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (recognition, measurement, presentation and disclosure of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (financial instruments. In February 2018, the F) Tj ET Q q 0 0 0 rg BT 219.11 202.10 Td (ASB issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (ASU No. 2018-03, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 114.06 190.10 Td (T) Tj ET Q q 0 0 0 rg BT 118.70 190.10 Td (echnical Corr) Tj ET Q q 0 0 0 rg BT 174.15 190.10 Td (ections and Impr) Tj ET Q q 0 0 0 rg BT 241.55 190.10 Td (ovements ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (to Financial InstrumentsOverall \(Subtopic 825-10\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.31 178.10 Td (, to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (clarify certain provisions in ) Tj ET Q q 0 0 0 rg BT 148.19 166.10 Td (ASU 2016-01.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 154.10 Td (The ) Tj ET Q q 0 0 0 rg BT 71.50 154.10 Td (ASUs require entities to present separately in ) Tj ET Q q 0 0 0 rg BT 254.50 154.10 Td (AOCI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (the portion of the total change in the fair value of a liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (resulting from a change in the instrument-specific credit risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (when the entity has elected to measure the liability at fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (value in accordance with the fair value option for financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 87.48 94.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.98 94.10 Td (ASUs also require equity investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (\(except those accounted for under the equity method of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (accounting or those that result in consolidation of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (investee\) to be measured at fair value with changes in fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (value recognized in net income, thus eliminating the ) Tj ET Q q 0 0 0 rg BT 247.33 46.10 Td (AFS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (category for equity investments. However) Tj ET Q q 0 0 0 rg BT 484.60 742.10 Td (, Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (Bank and Federal Home Loan Bank stock, as well as certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (exchange seats, will continue to be presented at cost. ) Tj ET Q q 0 0 0 rg BT 530.36 718.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (ASUs also provide an instrument-by-instrument election to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (measure non-marketable equity investments using a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (measurement alternative. Under the measurement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (alternative, the investment is carried at cost plus or minus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (changes resulting from observable prices in orderly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (transactions for the identical or a similar investment of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (same issuer) Tj ET Q q 0 0 0 rg BT 362.83 634.10 Td (. Equity securities under the measurement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (alternative are also assessed for impairment. Finally) Tj ET Q q 0 0 0 rg BT 524.34 622.10 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (ASUs require that fair value disclosures for financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (instruments not measured at fair value on the balance sheet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (be presented at their exit prices \(e.g., held-for) Tj ET Q q 0 0 0 rg BT 498.94 586.10 Td (-investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (loans\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 562.10 Td (Citi early adopted the provisions of ) Tj ET Q q 0 0 0 rg BT 478.31 562.10 Td (ASU 2016-01 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (related to presentation of the change in fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (liabilities for which the fair value option was elected, related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (to changes in Citigroup) Tj ET Q q 0 0 0 rg BT 413.38 526.10 Td (s own credit spreads in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 507.52 526.10 Td (Accumulated ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (other compr) Tj ET Q q 0 0 0 rg BT 365.79 514.10 Td (ehensive income \(loss\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.81 514.10 Td (\(AOCI\) ef) Tj ET Q q 0 0 0 rg BT 500.00 514.10 Td (fective January ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (1, 2016. ) Tj ET Q q 0 0 0 rg BT 351.45 502.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 400.78 502.10 Td (, these amounts have been reflected as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (component of ) Tj ET Q q 0 0 0 rg BT 374.21 490.10 Td (AOCI, whereas these amounts were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (previously recognized in Citigroup) Tj ET Q q 0 0 0 rg BT 459.47 478.10 Td (s revenues and net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 351.25 466.10 Td (The impact of adopting this amendment resulted in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (a cumulative catch-up reclassification from ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 492.76 454.10 Td (Retained ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.00 442.10 Td ( to ) Tj ET Q q 0 0 0 rg BT 364.23 442.10 Td (AOCI of an accumulated after) Tj ET Q q 0 0 0 rg BT 485.08 442.10 Td (-tax loss of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.26 430.10 Td ($15 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 430.10 Td ( at January 1, 2016. Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (statements for periods prior to 2016 were not subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (restatement under the provisions of this ) Tj ET Q q 0 0 0 rg BT 476.97 406.10 Td (ASU. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (information, see Notes 19, 24 and 25 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (Financial Statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 370.10 Td (Citi adopted the other provisions of ) Tj ET Q q 0 0 0 rg BT 478.87 370.10 Td (ASU 2016-01 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (ASU 2018-03 as of January 1, 2018. ) Tj ET Q q 0 0 0 rg BT 465.04 358.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 514.38 358.10 Td (, as of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (first quarter of 2018, the changes to accounting for equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (securities and fair value disclosures have been reflected in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 358.11 322.10 Td (s financial statements. ) Tj ET Q q 0 0 0 rg BT 449.02 322.10 Td (The impact of adopting the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (change to ) Tj ET Q q 0 0 0 rg BT 357.54 310.10 Td (AFS equity securities resulted in a cumulative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (catch-up reclassification from ) Tj ET Q q 0 0 0 rg BT 438.34 298.10 Td (AOCI to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 475.56 298.10 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.60 298.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (an accumulated after) Tj ET Q q 0 0 0 rg BT 400.08 286.10 Td (-tax gain of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.93 286.10 Td ($3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.33 286.10 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (January 1, 2018. Citi elected the measurement alternative for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (all non-marketable equity investments that no longer qualify ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (for cost measurement under the ) Tj ET Q q 0 0 0 rg BT 445.01 250.10 Td (ASUs. ) Tj ET Q q 0 0 0 rg BT 473.73 250.10 Td (This provision in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (ASUs was adopted prospectively) Tj ET Q q 0 0 0 rg BT 448.83 238.10 Td (. Financial statements for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (periods prior to 2018 were not subject to restatement under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (the provisions of the ) Tj ET Q q 0 0 0 rg BT 400.88 214.10 Td (ASUs. For additional information, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (Notes 13, 19 and 24) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 397.27 202.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.77 202.10 Td (to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.38 190.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (Statement of Cash Flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (In November 2016, the F) Tj ET Q q 0 0 0 rg BT 417.07 154.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 465.97 154.10 Td (ASU No. 2016-18, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (Restricted Cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.60 142.10 Td (,) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 383.10 142.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.60 142.10 Td (which requires that companies present cash, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (cash equivalents and amounts generally described as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (restricted cash or restricted cash equivalents \(restricted cash\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (when reconciling beginning-of-period and end-of-period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (totals on the Statement of Cash Flows. In connection with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (the adoption of the ) Tj ET Q q 0 0 0 rg BT 394.21 82.10 Td (ASU, Citigroup also changed its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (definition of cash and cash equivalents to include all of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 540.27 70.10 Td (Cash ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (and due fr) Tj ET Q q 0 0 0 rg BT 357.74 58.10 Td (om banks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.29 58.10 Td (and predominately all of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 498.81 58.10 Td (Deposits with ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (banks.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.83 46.10 Td ( ) Tj ET Q q 0 0 0 rg BT 345.15 46.10 Td (The Company has retrospectively adopted this ) Tj ET Q q 0 0 0 rg BT 532.88 46.10 Td (ASU ) 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 (143) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (as of January 1, 2018 and as a result ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 183.18 742.10 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 228.92 742.10 Td (ovided by ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (investing activities of continuing operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.53 730.10 Td ( on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (Statement of Cash Flows for the years ended December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (2017 and 2016 increased by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.69 706.10 Td ($19.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.81 706.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.24 706.10 Td ($25.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.36 706.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 83.66 694.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 682.10 Td (In ) Tj ET Q q 0 0 0 rg BT 64.28 682.10 Td (August 2016, the F) Tj ET Q q 0 0 0 rg BT 140.21 682.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 189.11 682.10 Td (ASU No. 2016-15, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (Classification of Certain Cash Receipts and Cash Payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.27 670.10 Td (,) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 278.77 670.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (which provides guidance on the classification and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (presentation of certain cash receipts and payments on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (Statement of Cash Flows. ) Tj ET Q q 0 0 0 rg BT 141.09 634.10 Td (The Company has retrospectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (adopted this ) Tj ET Q q 0 0 0 rg BT 86.55 622.10 Td (ASU as of January 1, 2018, which resulted in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (immaterial changes to Citi) Tj ET Q q 0 0 0 rg BT 144.58 610.10 Td (s Consolidated Statement of Cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (Flows. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (Reclassification of Certain ) Tj ET Q q 0 0 0 rg BT 151.07 574.10 Td (T) Tj ET Q q 0 0 0 rg BT 156.83 574.10 Td (ax Effects fr) Tj ET Q q 0 0 0 rg BT 208.84 574.10 Td (om ) Tj ET Q q 0 0 0 rg BT 224.12 574.10 Td (Accumulated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (Other) Tj ET Q q 0 0 0 rg BT 61.37 562.10 Td ( Compr) Tj ET Q q 0 0 0 rg BT 94.24 562.10 Td (ehensive Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (On February 14, 2018, the Financial ) Tj ET Q q 0 0 0 rg BT 183.20 550.10 Td (Accounting Standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (Board \(F) Tj ET Q q 0 0 0 rg BT 71.09 538.10 Td (ASB\) issued ) Tj ET Q q 0 0 0 rg BT 123.32 538.10 Td (ASU No. 2018-02, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 201.38 538.10 Td (Reclassification of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (Certain T) Tj ET Q q 0 0 0 rg BT 73.70 526.10 Td (ax Effects fr) Tj ET Q q 0 0 0 rg BT 121.65 526.10 Td (om ) Tj ET Q q 0 0 0 rg BT 136.19 526.10 Td (Accumulated Other Compr) Tj ET Q q 0 0 0 rg BT 244.13 526.10 Td (ehensive ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.43 514.10 Td (. ) Tj ET Q q 0 0 0 rg BT 70.25 514.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.74 514.10 Td (ASU allows a reclassification from ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 139.49 502.10 Td (ehensive income \(loss\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.51 502.10 Td (\(AOCI\) to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.04 490.10 Td ( for the deferred taxes previously recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 46.28 478.10 Td (AOCI) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.61 478.10 Td ( that exceed the current federal tax rate of 21% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (resulting from the newly enacted corporate tax rate in ) Tj ET Q q 0 0 0 rg BT 252.67 466.10 Td (T) Tj ET Q q 0 0 0 rg BT 258.08 466.10 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (Reform and other stranded tax amounts related to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (application of ) Tj ET Q q 0 0 0 rg BT 93.58 442.10 Td (T) Tj ET Q q 0 0 0 rg BT 98.99 442.10 Td (ax Reform that Citi elects to reclassify) Tj ET Q q 0 0 0 rg BT 252.18 442.10 Td (. ) Tj ET Q q 0 0 0 rg BT 257.00 442.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (ASU allows adjustments to reclassification amounts in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (subsequent periods as a result of changes to the amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (recorded under SAB 1) Tj ET Q q 0 0 0 rg BT 125.33 406.10 Td (18. Citi elected to early adopt the ) Tj ET Q q 0 0 0 rg BT 260.29 406.10 Td (ASU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 394.10 Td (fective December 31, 2017, which af) Tj ET Q q 0 0 0 rg BT 191.40 394.10 Td (fected only the period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (that the ef) Tj ET Q q 0 0 0 rg BT 75.80 382.10 Td (fects related to the one-time ) Tj ET Q q 0 0 0 rg BT 189.74 382.10 Td (T) Tj ET Q q 0 0 0 rg BT 195.15 382.10 Td (ax Reform char) Tj ET Q q 0 0 0 rg BT 257.16 382.10 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (were recognized. In addition to the reclassification of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (deferred taxes recorded in ) Tj ET Q q 0 0 0 rg BT 142.05 358.10 Td (AOCI that exceed the current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (federal tax rate, Citi also reclassified amounts recorded in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (AOCI related to the ef) Tj ET Q q 0 0 0 rg BT 125.23 334.10 Td (fects of the shift to a territorial system ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (related to the application of ) Tj ET Q q 0 0 0 rg BT 148.28 322.10 Td (T) Tj ET Q q 0 0 0 rg BT 153.69 322.10 Td (ax Reform using the portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (method.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 298.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 79.63 298.10 Td (fect of adopting the ) Tj ET Q q 0 0 0 rg BT 159.61 298.10 Td (ASU resulted in an increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 46.83 286.10 Td ($3.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.94 286.10 Td ( to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 105.72 286.10 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.76 286.10 Td ( at December 31, 2017 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (due to the reclassification of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 151.79 274.10 Td (AOCI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.62 274.10 Td (to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 187.90 274.10 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.94 274.10 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 46.37 250.10 Td (emium ) Tj ET Q q 0 0 0 rg BT 77.75 250.10 Td (Amortization on Pur) Tj ET Q q 0 0 0 rg BT 166.45 250.10 Td (chased Callable ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (Debt Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (In March 2017, the F) Tj ET Q q 0 0 0 rg BT 119.96 226.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 168.87 226.10 Td (ASU No. 2017-08, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (ReceivablesNonr) Tj ET Q q 0 0 0 rg BT 112.83 214.10 Td (efundable Fees and Other Costs ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (\(Subtopic 310-20\): Pr) Tj ET Q q 0 0 0 rg BT 123.94 202.10 Td (emium ) Tj ET Q q 0 0 0 rg BT 152.92 202.10 Td (Amortization on Pur) Tj ET Q q 0 0 0 rg BT 234.78 202.10 Td (chased ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (Callable Debt Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.32 190.10 Td (, which amends the amortization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (period for certain purchased callable debt securities held at a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (premium.) Tj ET Q q 0 0 0 rg BT 76.92 166.10 Td (The ) Tj ET Q q 0 0 0 rg BT 94.42 166.10 Td (ASU requires entities to amortize premiums ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (on debt securities by the first call date when the securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (have fixed and determinable call dates and prices. ) Tj ET Q q 0 0 0 rg BT 237.67 142.10 Td (The scope ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (of the ) Tj ET Q q 0 0 0 rg BT 61.00 130.10 Td (ASU includes all accounting premiums, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (purchase premiums and cumulative fair value hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (adjustments. ) Tj ET Q q 0 0 0 rg BT 88.59 106.10 Td (The ) Tj ET Q q 0 0 0 rg BT 106.09 106.10 Td (ASU does not change the accounting for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (discounts, which continue to be recognized over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (contractual life of a security) Tj ET Q q 0 0 0 rg BT 147.52 82.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 70.10 Td (Citi early adopted the ) Tj ET Q q 0 0 0 rg BT 142.31 70.10 Td (ASU in the second quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (2017, with an ef) Tj ET Q q 0 0 0 rg BT 100.80 58.10 Td (fective date of January 1, 2017. ) Tj ET Q q 0 0 0 rg BT 228.54 58.10 Td (Adoption of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 50.17 46.10 Td (ASU is on a modified retrospective basis through a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (cumulative ef) Tj ET Q q 0 0 0 rg BT 371.52 742.10 Td (fect adjustment to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 445.66 742.10 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.70 742.10 Td ( as of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (beginning of the year of adoption. ) Tj ET Q q 0 0 0 rg BT 455.02 730.10 Td (Adoption of the ) Tj ET Q q 0 0 0 rg BT 520.30 730.10 Td (ASU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (primarily af) Tj ET Q q 0 0 0 rg BT 364.30 718.10 Td (fected Citi) Tj ET Q q 0 0 0 rg BT 409.01 718.10 Td (s ) Tj ET Q q 0 0 0 rg BT 414.85 718.10 Td (AFS and HTM portfolios of callable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (state and municipal debt securities. ) Tj ET Q q 0 0 0 rg BT 459.55 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 477.05 706.10 Td (ASU adoption ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (resulted in a net reduction to total stockholders) Tj ET Q q 0 0 0 rg BT 507.04 694.10 Td ( equity of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td ($156 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.39 682.10 Td ( \(after) Tj ET Q q 0 0 0 rg BT 392.34 682.10 Td (-tax\), ef) Tj ET Q q 0 0 0 rg BT 423.80 682.10 Td (fective as of January 1, 2017. ) Tj ET Q q 0 0 0 rg BT 543.58 682.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (amount is composed of a reduction of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.83 670.10 Td ($660 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.89 658.10 Td ( to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 358.67 658.10 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.71 658.10 Td ( for the incremental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (amortization of purchase premiums and cumulative hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (adjustments generated under fair value hedges of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (callable debt securities, of) Tj ET Q q 0 0 0 rg BT 421.22 622.10 Td (fset by an increase to ) Tj ET Q q 0 0 0 rg BT 507.58 622.10 Td (AOCI of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td ($504 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.39 610.10 Td ( related to the cumulative fair value hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (adjustments reclassified to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 425.58 598.10 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.63 598.10 Td ( for ) Tj ET Q q 0 0 0 rg BT 514.73 598.10 Td (AFS debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (securities.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (Accounting for) Tj ET Q q 0 0 0 rg BT 380.98 562.10 Td ( Stock-Based Compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (In March 2016, the F) Tj ET Q q 0 0 0 rg BT 400.96 550.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 449.87 550.10 Td (ASU No. 2016-09, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (CompensationStock Compensation \(T) Tj ET Q q 0 0 0 rg BT 476.08 538.10 Td (opic 718\): ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (Impr) Tj ET Q q 0 0 0 rg BT 336.07 526.10 Td (ovements to Employee Shar) Tj ET Q q 0 0 0 rg BT 446.50 526.10 Td (e-Based Payment ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (Accounting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.54 514.10 Td ( in order to simplify certain complex aspects of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (the accounting for income taxes and forfeitures related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (employee stock-based compensation. ) Tj ET Q q 0 0 0 rg BT 468.44 490.10 Td (The guidance became ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (ef) Tj ET Q q 0 0 0 rg BT 324.59 478.10 Td (fective for Citi beginning on January 1, 2017. Under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (new standard, excess tax benefits and deficiencies related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (employee stock-based compensation are recognized directly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (within income tax expense or benefit in Citi) Tj ET Q q 0 0 0 rg BT 495.57 442.10 Td (s Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (Statement of Income, rather than within additional paid-in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 348.47 418.10 Td (The impact of this change was not material in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (first quarter of 2017 or each subsequent quarterly period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (2017 as the majority of employees) Tj ET Q q 0 0 0 rg BT 457.61 394.10 Td ( deferred stock-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (compensation awards are granted within the first quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (each year and, therefore, vest within the first quarter of each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (year) Tj ET Q q 0 0 0 rg BT 333.81 358.10 Td (, commensurate with vesting in equal annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (installments. For additional information on these receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (and payables, see Note 7 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (Statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 310.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 384.90 310.10 Td (, as permitted under the new guidance, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (made an accounting policy election to account for forfeitures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (of awards as they occur) Tj ET Q q 0 0 0 rg BT 411.00 286.10 Td (, which represents a change from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (previous requirement to estimate forfeitures when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (recognizing compensation expense. ) Tj ET Q q 0 0 0 rg BT 461.77 262.10 Td (This change resulted in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (cumulative ef) Tj ET Q q 0 0 0 rg BT 371.52 250.10 Td (fect adjustment to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 445.66 250.10 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.70 250.10 Td ( that was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (not material at January 1, 2017. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (Fair) Tj ET Q q 0 0 0 rg BT 335.14 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 337.46 214.10 Td (V) Tj ET Q q 0 0 0 rg BT 343.77 214.10 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 396.63 214.10 Td (ement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (In ) Tj ET Q q 0 0 0 rg BT 327.28 202.10 Td (August 2018, the F) Tj ET Q q 0 0 0 rg BT 403.21 202.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 452.11 202.10 Td (ASU No. 2018-13, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 530.16 202.10 Td (Fair ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (V) Tj ET Q q 0 0 0 rg BT 322.00 190.10 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 371.90 190.10 Td (ement \(T) Tj ET Q q 0 0 0 rg BT 406.25 190.10 Td (opic 820\): Disclosur) Tj ET Q q 0 0 0 rg BT 488.65 190.10 Td (e Framework) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (Changes to the Disclosur) Tj ET Q q 0 0 0 rg BT 418.02 178.10 Td (e Requir) Tj ET Q q 0 0 0 rg BT 451.80 178.10 Td (ements for Fair V) Tj ET Q q 0 0 0 rg BT 521.52 178.10 Td (alue ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (Measur) Tj ET Q q 0 0 0 rg BT 347.18 166.10 Td (ement. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.06 166.10 Td (The amendments modify certain disclosure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (requirements for fair value measurements and are ef) Tj ET Q q 0 0 0 rg BT 525.33 154.10 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (January 1, 2020, with early adoption permitted. ) Tj ET Q q 0 0 0 rg BT 509.00 142.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (Company early adopted this ) Tj ET Q q 0 0 0 rg BT 431.42 130.10 Td (ASU as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.59 130.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.17 130.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (in its entirety) Tj ET Q q 0 0 0 rg BT 369.12 118.10 Td (. ) Tj ET Q q 0 0 0 rg BT 373.94 118.10 Td (The adoption of this standard did not have a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (material impact on the Company) Tj ET Q q 0 0 0 rg BT 447.42 106.10 Td (.) 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 33.60 Td (144) 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 (Summary of Discontinued Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 95.71 713.25 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 102.10 713.25 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.71 713.25 Td ( consisted of residual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (activities related to the sales of the Brazil Credicard business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (in 2013, the Egg Banking plc Credit Card Business in 201) Tj ET Q q 0 0 0 rg BT 268.11 689.25 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (and the German Retail Banking business in 2008. ) Tj ET Q q 0 0 0 rg BT 236.25 677.25 Td (All ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.60 665.25 Td ( results are recorded within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (Corporate/Other) Tj ET Q q 0 0 0 rg BT 102.67 653.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 641.25 Td (The following summarizes financial information for all ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.60 629.25 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 604.75 156.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.50 604.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 224.50 604.75 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 604.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 576.75 156.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.50 576.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 224.50 576.75 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 576.75 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 192.5 604.75 m 224.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 604.75 m 253.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 604.75 m 288.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 604.75 m 192.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 590.75 m 192.5 590.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 604.75 m 224.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 590.75 m 224.5 590.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 590.75 m 253.5 590.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 604.75 m 288.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 590.75 m 288.5 590.75 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 192.5 562.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 539.75 m 192.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 562.75 m 224.5 562.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 539.75 m 224.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 562.75 m 253.5 562.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 539.75 m 253.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 562.75 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 253.5 539.75 m 288.5 539.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 610.70 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 609.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.50 609.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 609.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 595.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 595.20 Td (otal r) Tj ET Q q 0 0 0 rg BT 64.76 595.20 Td (evenues, net of inter) Tj ET Q q 0 0 0 rg BT 141.58 595.20 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 595.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 595.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 595.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 595.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 595.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 595.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 581.21 Td (Loss from discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 581.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 209.00 581.20 Td (\(26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 581.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 581.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.50 581.21 Td (\(104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 581.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 581.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 581.21 Td (\(80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 581.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 567.21 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 209.00 567.20 Td (\(18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 567.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.50 567.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 567.21 Td (\(22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 567.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 553.20 Td (Loss fr) Tj ET Q q 0 0 0 rg BT 65.59 553.20 Td (om discontinued operations, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 544.20 Td (of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 544.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.50 544.20 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 544.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 544.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.50 544.21 Td (\(1) Tj ET Q q 0 0 0 rg BT 241.00 544.21 Td (1) Tj ET Q q 0 0 0 rg BT 245.50 544.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 544.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 544.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 544.21 Td (\(58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 544.21 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 516.25 Td (Cash flows from ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 105.16 516.25 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.76 516.25 Td ( were not material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 504.25 Td (for all periods presented.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 480.25 Td (Significant Disposals) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 468.25 Td (The transactions described below were identified as significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 456.25 Td (disposals during 2018, 2017 and 2016. ) Tj ET Q q 0 0 0 rg BT 193.04 456.25 Td (The major classes of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 444.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.00 444.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 80.44 444.25 Td (Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.00 444.25 Td ( derecognized from the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 432.25 Td (Balance Sheet at closing, and the income \(loss\) before taxes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 420.25 Td (related to each business until the disposal date, are presented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 408.25 Td (below) Tj ET Q q 0 0 0 rg BT 59.79 408.25 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 384.25 Td (Sale of Mexico ) Tj ET Q q 0 0 0 rg BT 100.15 384.25 Td (Asset Management Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 372.25 Td (On September 21, 2018, Citi completed the sale of its Mexico ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 360.25 Td (asset management business, which was part of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 224.29 360.25 Td (Latin ) Tj ET Q q 0 0 0 rg BT 247.72 360.25 Td (America ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 348.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 348.25 Td (. ) Tj ET Q q 0 0 0 rg BT 60.45 348.25 Td (As part of the sale, Citi derecognized total assets of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 336.25 Td ($137 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.39 336.25 Td (, including goodwill of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.55 336.25 Td ($32 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.94 336.25 Td (, which were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 324.25 Td (classified as held-for) Tj ET Q q 0 0 0 rg BT 119.10 324.25 Td (-sale beginning in the fourth quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 312.25 Td (2017, and total liabilities of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.76 312.25 Td ($41 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.15 312.25 Td (. ) Tj ET Q q 0 0 0 rg BT 199.97 312.25 Td (The transaction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 300.25 Td (resulted in a pretax gain on sale of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.21 300.25 Td ($250 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.60 300.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 288.25 Td (\(approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.59 288.25 Td ($150 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.98 288.25 Td ( after) Tj ET Q q 0 0 0 rg BT 171.60 288.25 Td (-tax\) recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 240.73 288.25 Td (Other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 276.25 Td (r) Tj ET Q q 0 0 0 rg BT 39.52 276.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.27 276.25 Td ( in the third quarter of 2018. Further) Tj ET Q q 0 0 0 rg BT 211.84 276.25 Td (, Citi and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 264.25 Td (buyer entered into a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.19 264.25 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.19 264.25 Td (-year services framework agreement, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 252.25 Td (with Citi acting as the distributor in exchange for an ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 240.25 Td (fee. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 228.25 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 36.00 216.25 Td (for the divested business was as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 190.75 168.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 190.75 30.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 190.75 28.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 190.75 26.00 -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 35.5 190.75 m 203.5 190.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 190.75 m 233.5 190.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 190.75 m 261.5 190.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 190.75 m 287.5 190.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 190.75 m 203.5 190.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 175.75 m 203.5 175.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 190.75 m 233.5 190.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 175.75 m 233.5 175.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 190.75 m 261.5 190.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 175.75 m 261.5 175.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 190.75 m 287.5 190.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 175.75 m 287.5 175.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 195.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 209.00 195.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 195.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.00 195.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 180.20 Td (Income befor) Tj ET Q q 0 0 0 rg BT 89.07 180.20 Td (e taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.00 180.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.50 180.20 Td (123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.00 180.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.50 180.21 Td (164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.00 180.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 180.21 Td (155) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (Sale of Fixed Income ) Tj ET Q q 0 0 0 rg BT 415.10 725.25 Td (Analytics and Index Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (On ) Tj ET Q q 0 0 0 rg BT 338.17 713.25 Td (August 31, 2017, Citi completed the sale of a fixed income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (analytics business and a fixed income index business that were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (part of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 352.88 689.25 Td (Markets and securities services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.18 689.25 Td (within) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 506.73 689.25 Td ( Institutional ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (Clients Gr) Tj ET Q q 0 0 0 rg BT 365.58 677.25 Td (oup \(ICG\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.96 677.25 Td (As part of the sale, Citi derecognized ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (T) Tj ET Q q 0 0 0 rg BT 328.64 665.25 Td (otal assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.59 665.25 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.92 665.25 Td ($1) Tj ET Q q 0 0 0 rg BT 393.55 665.25 Td (12 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.94 665.25 Td (, including goodwill of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.10 665.25 Td ($72 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.89 653.25 Td (, while the derecognized liabilities were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.77 653.25 Td ($18 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 561.16 653.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (The transaction resulted in a pretax gain on sale of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.26 629.25 Td ($580 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 629.25 Td ( \() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.48 629.25 Td ($355 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.87 629.25 Td ( after) Tj ET Q q 0 0 0 rg BT 513.49 629.25 Td (-tax\) recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 334.28 617.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 363.63 617.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.38 617.25 Td ( in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 404.16 617.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.38 617.25 Td ( during 2017. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 605.25 Td (Income before taxes excluding the pretax gain on sale for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (the divested businesses was immaterial for the periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (presented.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (Exit of U.S. Mortgage Service Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (Citigroup executed agreements during the first quarter of 2017 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (to ef) Tj ET Q q 0 0 0 rg BT 341.87 533.25 Td (fectively exit its direct U.S. mortgage servicing operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (by the end of 2018 to intensify focus on originations. ) Tj ET Q q 0 0 0 rg BT 538.51 521.25 Td (The exit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (of the mortgage servicing operations included the sale of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (mortgage servicing rights and execution of a subservicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (agreement for the remaining Citi-owned loans and certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (other mortgage servicing rights. ) Tj ET Q q 0 0 0 rg BT 453.69 473.25 Td (As part of this transaction, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (Citi has also transferred certain employees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 449.25 Td (This transaction, which was part of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 485.02 449.25 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.80 449.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (resulted in a pretax loss of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.75 437.25 Td ($331 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.14 437.25 Td ( \() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.97 437.25 Td ($207 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.36 437.25 Td ( after) Tj ET Q q 0 0 0 rg BT 560.98 437.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (tax\) recorded in) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 387.30 425.25 Td ( Other r) Tj ET Q q 0 0 0 rg BT 419.15 425.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.91 425.25 Td ( during 2017. ) Tj ET Q q 0 0 0 rg BT 502.83 425.25 Td (The loss on sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (did not include certain other costs and char) Tj ET Q q 0 0 0 rg BT 495.70 413.25 Td (ges related to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (disposed operation recorded primarily in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 489.23 401.25 Td (Operating expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 568.38 401.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (during 2017, resulting in a total pretax loss of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.97 389.25 Td ($382 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.36 389.25 Td (. ) Tj ET Q q 0 0 0 rg BT 564.81 389.25 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (part of the sale, Citi derecognized a total of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.49 377.25 Td ($1,162 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.38 377.25 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (servicing-related assets, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.29 365.25 Td ($1,046 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.18 365.25 Td ( of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 534.51 365.25 Td (Mortgage ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (servicing rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 353.25 Td (, related to approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.73 353.25 Td (750,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.23 353.25 Td ( Fannie Mae ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (and Freddie Mac held loans with outstanding balances of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.26 329.25 Td ($93 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.87 329.25 Td (. Excluding the loss on sale and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (additional char) Tj ET Q q 0 0 0 rg BT 383.52 317.25 Td (ges, income before taxes for the disposed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (operation was immaterial for the periods presented.) 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 33.60 Td (145) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Sale of CitiFinancial Canada Consumer) Tj ET Q q 0 0 0 rg BT 205.83 749.25 Td ( Finance Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (On March 31, 2017, Citi completed the sale of CitiFinancial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Canada \(CitiFinancial\), which was part of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 206.23 725.25 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.01 725.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (and included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.87 713.25 Td (220) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.87 713.25 Td ( retail branches and approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.65 713.25 Td (1,400) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.15 713.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (employees. ) Tj ET Q q 0 0 0 rg BT 83.21 701.25 Td (As part of the sale, Citi derecognized ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 234.27 701.25 Td (T) Tj ET Q q 0 0 0 rg BT 238.92 701.25 Td (otal assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.86 701.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.09 689.25 Td ($1.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.20 689.25 Td (, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.48 689.25 Td ($1.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.59 689.25 Td ( consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (loans \(net of allowance\), and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 154.29 677.25 Td (T) Tj ET Q q 0 0 0 rg BT 158.93 677.25 Td (otal liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.76 677.25 Td ( of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td ($1.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.11 665.25 Td ( related to intercompany borrowings, which were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (settled at closing of the transaction. Separately) Tj ET Q q 0 0 0 rg BT 221.68 653.25 Td (, during 2017 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (and prior to closing of the transaction, CitiFinancial settled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td ($0.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.11 629.25 Td ( of debt issued through loan securitizations. ) Tj ET Q q 0 0 0 rg BT 258.56 629.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (sale of CitiFinancial generated a pretax gain on sale of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.26 605.25 Td ($350 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.65 605.25 Td ( recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 197.90 605.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 227.25 605.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.01 605.25 Td ( \() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.84 605.25 Td ($178 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.89 593.25 Td ( after) Tj ET Q q 0 0 0 rg BT 85.51 593.25 Td (-tax\) during 2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 581.25 Td (Income before taxes, excluding the pretax gain on sale for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (the divested business, was as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 543.75 155.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 543.75 28.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 543.75 26.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.50 543.75 25.00 -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 36.5 543.75 m 191.5 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 543.75 m 219.5 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 543.75 m 245.5 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 543.75 m 270.5 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 543.75 m 191.5 543.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 528.75 m 191.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 543.75 m 219.5 543.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 528.75 m 219.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 543.75 m 245.5 543.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 528.75 m 245.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 543.75 m 270.5 543.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 528.75 m 270.5 528.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 548.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.00 548.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 548.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.50 548.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 533.20 Td (Income befor) Tj ET Q q 0 0 0 rg BT 90.07 533.20 Td (e taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.00 533.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.00 533.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.00 533.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 533.21 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 533.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.50 533.21 Td (139) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 293 0 obj <> endobj 294 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (146) 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 following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 716.25 Td (business segments: ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 114.89 716.25 Td (Global Consumer Banking \(GCB\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 704.25 Td (and) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.44 704.25 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 145.91 704.25 Td (oup \(ICG\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.29 704.25 Td (. In addition, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 240.89 704.25 Td (Corporate/) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 692.25 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.33 692.25 Td ( includes activities not assigned to a specific business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 680.25 Td (segment, as well as certain ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 145.40 680.25 Td (North ) Tj ET Q q 0 0 0 rg BT 171.06 680.25 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.94 680.25 Td ( loan portfolios, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 668.25 Td (discontinued operations and other legacy assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 656.25 Td (The business segments are determined based on products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 644.25 Td (and services provided or type of customers served, of which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 632.25 Td (those identified as non-core are recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 211.76 632.25 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.54 632.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 620.25 Td (and are reflective of how management currently evaluates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 608.25 Td (financial information to make business decisions.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 596.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 596.25 Td ( includes a global, full-service consumer franchise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 584.25 Td (delivering a wide array of banking, including commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 572.25 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 36.00 560.25 Td (network of local branches, of) Tj ET Q q 0 0 0 rg BT 152.72 560.25 Td (fices and electronic delivery ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 548.25 Td (systems and consists of three ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 154.59 548.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.59 548.25 Td ( businesses: ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 224.59 548.25 Td (North ) Tj ET Q q 0 0 0 rg BT 250.25 548.25 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.13 548.25 Td (,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 286.63 548.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 536.25 Td (Latin ) Tj ET Q q 0 0 0 rg BT 59.44 536.25 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.31 536.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 112.75 536.25 Td (Asia ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.03 536.25 Td (\(including consumer banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 524.25 Td (activities in certain ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 114.58 524.25 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.23 524.25 Td ( countries\).) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 512.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.22 512.25 Td ( consists of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 118.72 512.25 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.05 512.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 171.49 512.25 Td (Markets and securities ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 500.25 Td (services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.21 500.25 Td ( and provides corporate, institutional, public sector ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 488.25 Td (and high-net-worth clients in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.31 488.25 Td (98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.31 488.25 Td ( countries and jurisdictions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 476.25 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 36.00 464.25 Td (services.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 452.25 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.78 452.25 Td ( includes certain unallocated costs of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 440.25 Td (global functions, other corporate expenses and net treasury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 428.25 Td (results, unallocated corporate expenses, of) Tj ET Q q 0 0 0 rg BT 205.20 428.25 Td (fsets to certain line-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 728.25 Td (item reclassifications and eliminations, the results of certain ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 716.25 Td (North ) Tj ET Q q 0 0 0 rg BT 349.66 716.25 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.54 716.25 Td ( legacy loan portfolios, discontinued operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 704.25 Td (and unallocated taxes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 692.25 Td (The accounting policies of these reportable segments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 680.25 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 324.00 668.25 Td (Financial Statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 656.25 Td (The prior) Tj ET Q q 0 0 0 rg BT 379.29 656.25 Td (-period balances reflect reclassifications to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 644.25 Td (conform the presentation for all periods to the current period) Tj ET Q q 0 0 0 rg BT 569.20 644.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 632.25 Td (presentation. Ef) Tj ET Q q 0 0 0 rg BT 387.13 632.25 Td (fective January 1, 2018, financial data was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 620.25 Td (reclassified to reflect:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 602.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 602.25 Td (the adoption of ) Tj ET Q q 0 0 0 rg BT 404.49 602.25 Td (ASU No. 2014-09, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 482.55 602.25 Td (Revenue Recognition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 567.23 602.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 590.25 Td (which occurred on January 1, 2018 on a retrospective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 578.25 Td (basis. See Accounting Changes in Note 1 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 566.25 Td (Consolidated Financial Statements;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 554.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 554.25 Td (the re-attribution of certain costs between ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 510.82 554.25 Td (Corporate/) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 542.25 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.33 542.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 384.77 542.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.77 542.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 424.21 542.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.43 542.25 Td (; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 530.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 530.25 Td (certain other immaterial reclassifications.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 506.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 506.25 Td (s consolidated ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 419.22 506.25 Td (net income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.53 506.25 Td ( reported in its 2017 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 494.25 Td (Annual Report on Form 10-K remains unchanged for all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 482.25 Td (periods presented as a result of the changes and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 470.25 Td (reclassifications discussed above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 458.25 Td (The following table presents certain information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 446.25 Td (regarding the Company) Tj ET Q q 0 0 0 rg BT 421.20 446.25 Td (s continuing operations by segment:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 364.75 103.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 138.50 364.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 177.50 364.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 364.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 364.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 364.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 364.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 364.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 364.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 364.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 364.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 364.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 328.75 103.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 138.50 328.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 177.50 328.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 328.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 328.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 328.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 328.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 328.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 328.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 328.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 328.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 328.75 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 138.5 385.75 m 177.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.5 385.75 m 217.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 385.75 m 257.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 385.75 m 297.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 385.75 m 336.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 385.75 m 376.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 385.75 m 416.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 385.75 m 455.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 385.75 m 495.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 385.75 m 535.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 385.75 m 575.5 385.75 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 138.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 364.75 m 177.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.5 385.75 m 217.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.5 364.75 m 217.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 385.75 m 257.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 385.75 m 257.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 364.75 m 257.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 364.75 m 297.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 385.75 m 336.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 364.75 m 336.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 385.75 m 376.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 385.75 m 376.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 364.75 m 376.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 364.75 m 416.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 385.75 m 455.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 364.75 m 455.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 385.75 m 495.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 385.75 m 495.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 364.75 m 495.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 364.75 m 535.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 364.75 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 138.5 364.75 m 177.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.5 364.75 m 217.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 364.75 m 257.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 364.75 m 257.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 364.75 m 257.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 364.75 m 297.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 364.75 m 336.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 364.75 m 376.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 364.75 m 376.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 364.75 m 376.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 364.75 m 416.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 364.75 m 455.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 364.75 m 495.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 364.75 m 495.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 364.75 m 495.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 364.75 m 535.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 364.75 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 257.5 350.75 m 257.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 350.75 m 257.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 350.75 m 376.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 350.75 m 376.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 350.75 m 495.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 350.75 m 495.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 314.75 m 138.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 314.75 m 177.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.5 314.75 m 217.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 328.75 m 257.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 314.75 m 257.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 314.75 m 297.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 314.75 m 336.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 328.75 m 376.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 314.75 m 376.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 314.75 m 416.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 314.75 m 455.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 328.75 m 495.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 314.75 m 495.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 314.75 m 535.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 314.75 m 575.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 314.75 m 138.5 314.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 35.5 300.75 m 138.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 314.75 m 177.5 314.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 138.5 300.75 m 177.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.5 314.75 m 217.5 314.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 177.5 300.75 m 217.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 314.75 m 257.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 314.75 m 257.5 314.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 217.5 300.75 m 257.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 314.75 m 257.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 314.75 m 297.5 314.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 257.5 300.75 m 297.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 314.75 m 336.5 314.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 297.5 300.75 m 336.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 314.75 m 376.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 314.75 m 376.5 314.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 336.5 300.75 m 376.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 314.75 m 376.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 314.75 m 416.5 314.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 376.5 300.75 m 416.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 314.75 m 455.5 314.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 416.5 300.75 m 455.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 314.75 m 495.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 314.75 m 495.5 314.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 455.5 300.75 m 495.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 314.75 m 495.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 314.75 m 535.5 314.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 495.5 300.75 m 535.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 314.75 m 575.5 314.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 535.5 300.75 m 575.5 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rg BT 38.00 377.00 Td (Inmillionsofdollars,except) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 369.00 Td (identifiableassetsinbillions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.50 369.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 188.00 369.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 369.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.00 369.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.50 369.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.00 369.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.00 369.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.50 369.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.00 369.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 369.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 369.21 Td (2017) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 355.20 Td (Global Consumer Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 141.00 355.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.25 355.20 Td (33,777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 189.25 355.21 Td (32,838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.25 355.21 Td (31,624) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.00 355.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.75 355.20 Td (1,839) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 355.21 Td (3,316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 355.21 Td (2,639) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.00 355.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.75 355.20 Td (5,762) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.75 355.21 Td (3,878) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 355.21 Td ($) Tj 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(Asia) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.63 274.05 Td ( of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.29 274.05 Td ($15.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.18 274.05 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.18 274.05 Td ($14.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.07 274.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 531.62 274.05 Td ($13.9 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 572.51 274.05 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 264.45 Td (in 2018, 2017 and 2016, respectively) Tj ET Q q 0 0 0 rg BT 171.90 264.45 Td (. ) Tj ET Q q 0 0 0 rg BT 175.76 264.45 Td (These regional numbers exclude ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 281.50 264.45 Td (Corporate/Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.72 264.45 Td (, which lar) Tj ET Q q 0 0 0 rg BT 369.56 264.45 Td (gely operates within the U.S. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 254.85 Td (\(2\) ) Tj ET Q BT /F3 8.00 Tf ET q 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392.15 245.25 Td ($7.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.04 245.25 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.59 245.25 Td ($6.4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.48 245.25 Td (; in the ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 505.70 245.25 Td (ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.48 245.25 Td ( results of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 553.03 245.25 Td ($184) Tj ET Q BT /F1 8.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 235.65 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 235.65 Td (million, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 81.11 235.65 Td (\($15\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 98.44 235.65 Td ( million and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 139.11 235.65 Td ($486 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 180.22 235.65 Td (; and in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 206.21 235.65 Td (Corporate/Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.44 235.65 Td ( results of \() Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.65 235.65 Td ($202) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.65 235.65 Td (\) million, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.43 235.65 Td (\($175\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.76 235.65 Td ( million and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 406.42 235.65 Td ($69 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.54 235.65 Td ( in 2018, 2017 and 2016, respectively) Tj ET Q q 0 0 0 rg BT 563.44 235.65 Td (.) 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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 (6,284) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 625.21 Td (5,501) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 625.21 Td (5,738) 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 /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 611.20 Td (1,673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 611.21 Td (1,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 611.21 Td (1,029) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 597.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 597.20 Td (otal inter) Tj ET Q q 0 0 0 rg BT 79.33 597.20 Td (est r) Tj ET Q q 0 0 0 rg BT 95.91 597.20 Td (evenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.00 597.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 597.20 Td (70,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 597.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 597.21 Td (61,579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 597.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 597.21 Td (57,988) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 583.20 Td (Inter) Tj ET Q q 0 0 0 rg BT 58.41 583.20 Td (est expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.00 583.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 583.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 583.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 569.21 Td (Deposits) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 70.50 573.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.00 569.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 569.20 Td (9,616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 569.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 569.21 Td (6,587) 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 (5,300) 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 (4,889) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 555.21 Td (2,661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 555.21 Td (1,912) 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 424.75 541.20 Td (1,001) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 541.21 Td (638) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 541.21 Td (410) 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 424.75 527.20 Td (2,209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 527.21 Td (1,059) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 527.21 Td (477) 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 (6,551) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 513.21 Td (5,573) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 513.21 Td (4,413) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 499.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 499.20 Td (otal inter) Tj ET Q q 0 0 0 rg BT 79.33 499.20 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.00 499.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 499.20 Td (24,266) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 499.21 Td (16,518) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 499.21 Td (12,512) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 485.20 Td (Net inter) Tj ET Q q 0 0 0 rg BT 73.15 485.20 Td (est r) Tj ET Q q 0 0 0 rg BT 89.73 485.20 Td (evenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.00 485.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 485.20 Td (46,562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 485.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 485.21 Td (45,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 485.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 485.21 Td (45,476) 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 (7,354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 471.21 Td (7,503) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 471.21 Td (6,749) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 457.20 Td (Net inter) Tj ET Q q 0 0 0 rg BT 73.07 457.20 Td (est r) Tj ET Q q 0 0 0 rg BT 89.65 457.20 Td (evenue after) Tj ET Q q 0 0 0 rg BT 136.71 457.20 Td ( pr) Tj ET Q q 0 0 0 rg BT 147.80 457.20 Td (ovision for) Tj ET Q q 0 0 0 rg BT 188.39 457.20 Td ( loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.00 457.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 457.20 Td (39,208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 457.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 457.21 Td (37,558) 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 (38,727) 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 ( is reported as a reduction of interest revenue from ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 366.14 435.65 Td (T) Tj ET Q q 0 0 0 rg BT 370.14 435.65 Td (rading account assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.92 435.65 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 (Includes deposit insurance fees and char) Tj ET Q q 0 0 0 rg BT 182.91 426.05 Td (ges of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.24 426.05 Td ($1,182 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.36 426.05 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 255.36 426.05 Td ($1,249 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 302.47 426.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 318.02 426.05 Td ($1,145 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.13 426.05 Td ( for ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 378.46 426.05 Td (2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.46 426.05 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.46 426.05 Td (2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.46 426.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.01 426.05 Td (2016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 446.01 426.05 Td (, respectively) Tj ET Q q 0 0 0 rg BT 488.14 426.05 Td (.) 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 33.60 Td (148) 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 126.29 749.25 Td (AND FEES; ) Tj ET Q q 0 0 0 rg BT 180.75 749.25 Td (ADMINISTRA) Tj ET Q q 0 0 0 rg BT 245.57 749.25 Td (TION ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (AND OTHER FIDUCIAR) Tj ET Q q 0 0 0 rg BT 148.43 737.25 Td (Y) Tj ET Q q 0 0 0 rg BT 155.28 737.25 Td ( FEES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 717.25 Td (The primary components of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 149.86 717.25 Td (Commissions and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.75 717.25 Td ( revenue are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 705.25 Td (investment banking fees, brokerage commissions, credit- and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 693.25 Td (bank-card income and deposit-related fees. ) 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. Such fees are recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 657.25 Td (at the point in time when Citigroup) Tj ET Q q 0 0 0 rg BT 179.32 657.25 Td (s performance under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 645.25 Td (terms of a contractual arrangement is completed, which is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 633.25 Td (typically at the closing of a transaction. Reimbursed expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 621.25 Td (related to these transactions are recorded as revenue and are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 609.25 Td (included within investment banking fees. In certain instances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 597.25 Td (for advisory contracts, Citi will receive amounts in advance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 585.25 Td (the deal) Tj ET Q q 0 0 0 rg BT 70.15 585.25 Td (s closing. In these instances, the amounts received ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 573.25 Td (will be recognized as a liability and not recognized in revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 561.25 Td (until the transaction closes. ) Tj ET Q q 0 0 0 rg BT 147.18 561.25 Td (The contract liability amount for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 549.25 Td (the periods presented was negligible. Out-of-pocket expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 537.25 Td (associated with underwriting activity are deferred and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 525.25 Td (recognized at the time the related revenue is recognized, while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 513.25 Td (out-of-pocket expenses associated with advisory arrangements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 501.25 Td (are expensed as incurred. In general, expenses incurred related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 489.25 Td (to investment banking transactions, whether consummated or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 477.25 Td (not, are recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 116.24 477.25 Td (Other operating expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.99 477.25 Td (. ) Tj ET Q q 0 0 0 rg BT 223.81 477.25 Td (The Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 465.25 Td (has determined that it acts as principal in the majority of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 453.25 Td (transactions and therefore presents expenses gross within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 441.25 Td (Other operating expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.75 441.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 429.25 Td (Brokerage commissions primarily include commissions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 417.25 Td (and fees from the following: executing transactions for clients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 405.25 Td (on exchanges and over) Tj ET Q q 0 0 0 rg BT 127.15 405.25 Td (-the-counter markets; sales of mutual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 393.25 Td (funds and other annuity products; and assisting clients in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 381.25 Td (clearing transactions, providing brokerage services and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 369.25 Td (such activities. Brokerage commissions are recognized in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 357.25 Td (Commissions and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.89 357.25 Td ( at the point in time the associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 345.25 Td (service is fulfilled, generally on the trade execution date. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 333.25 Td (Gains or losses, if any) Tj ET Q q 0 0 0 rg BT 123.95 333.25 Td (, on these transactions are included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 321.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.72 321.25 Td ( \(see Note 6 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 309.25 Td (Financial Statements\). Sales of certain investment products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 297.25 Td (include a portion of variable consideration associated with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 285.25 Td (underlying product. In these instances, a portion of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 273.25 Td (revenue associated with the sale of the product is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 261.25 Td (recognized until the variable consideration becomes fixed. ) Tj ET Q q 0 0 0 rg BT 271.84 261.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 249.25 Td (Company recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.75 249.25 Td ($521 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.14 249.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.14 249.25 Td ($416 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.53 249.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.97 249.25 Td ($371 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 237.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.89 237.25 Td ( of revenue related to such variable consideration for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 225.25 Td (the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.69 225.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.28 225.25 Td (, 2017 and 2016, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 213.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 83.66 213.25 Td (. ) Tj ET Q q 0 0 0 rg BT 88.48 213.25 Td (These amounts primarily relate to performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 201.25 Td (obligations satisfied in prior periods.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 141.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 69.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (Credit- and bank-card income is primarily composed of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (interchange fees, which are earned by card issuers based on) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (purchase sales, and certain card fees, including annual fees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Costs related to customer reward programs and certain) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (payments to partners \(primarily based on program sales,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (profitability and customer acquisitions\) are recorded as a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (reduction of credit- and bank-card income. Interchange) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (revenues are recognized as earned on a daily basis when Citi's) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (performance obligation to transmit funds to the payment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (networks has been satisfied. ) Tj ET Q q 0 0 0 rg BT 438.14 641.10 Td (Annual card fees, net of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (origination costs, are deferred and amortized on a straight-line) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (basis over a 12-month period. Costs related to card reward) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (programs are recognized when the rewards are earned by the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (cardholders. Payments to partners are recognized when) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (incurred.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 569.10 Td (Deposit-related fees consist of service char) Tj ET Q q 0 0 0 rg BT 513.69 569.10 Td (ges on deposit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (accounts and fees earned from performing cash management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (activities and other deposit account services. Such fees are) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (recognized in the period in which the related service is) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (provided.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 509.10 Td (T) Tj ET Q q 0 0 0 rg BT 347.76 509.10 Td (ransactional service fees primarily consist of fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (char) Tj ET Q q 0 0 0 rg BT 341.03 497.10 Td (ged for processing services such as cash management,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (global payments, clearing, international funds transfer and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (other trade services. Such fees are recognized as/when the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (associated service is satisfied, which normally occurs at the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (point in time the service is requested by the customer and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (provided by Citi.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 425.10 Td (Insurance distribution revenue consists of commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (earned from third-party insurance companies for marketing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (and selling insurance policies on behalf of such entities. Such) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (commissions are recognized in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 450.07 389.10 Td (Commissions and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.97 389.10 Td ( at the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (point in time the associated service is fulfilled, generally when) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (the insurance policy is sold to the policyholder) Tj ET Q q 0 0 0 rg BT 510.35 365.10 Td (. Sales of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (certain insurance products include a portion of variable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (consideration associated with the underlying product. In these) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (instances, a portion of the revenue associated with the sale of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (the policy is not recognized until the variable consideration) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (becomes determinable. ) Tj ET Q q 0 0 0 rg BT 418.50 305.10 Td (The Company recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.30 305.10 Td ($386 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.89 293.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.89 293.10 Td ($440 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.28 293.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.72 293.10 Td ($479 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.11 293.10 Td ( of revenue related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (such variable consideration for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.76 281.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 269.10 Td (, 2017 and 2016, respectively) Tj ET Q q 0 0 0 rg BT 461.10 269.10 Td (. ) Tj ET Q q 0 0 0 rg BT 465.92 269.10 Td (These amounts primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (relate to performance obligations in prior periods.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 245.10 Td (Insurance premiums consist of premium income from) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (insurance policies that Citi has underwritten and sold to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (policyholders.) 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 33.60 Td (149) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (The following table presents ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 152.64 749.10 Td (Commissions and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.53 749.10 Td ( revenue:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 700.60 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 700.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 700.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 700.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 700.60 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 700.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 700.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.50 700.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 700.60 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 700.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 700.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 700.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 540.50 700.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 672.60 110.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 672.60 36.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 672.60 36.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 672.60 36.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 672.60 35.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 672.60 36.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 672.60 36.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.50 672.60 36.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 672.60 35.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 672.60 36.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 672.60 36.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 672.60 36.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 540.50 672.60 36.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 636.60 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 636.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 636.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 636.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 636.60 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 636.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 636.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.50 636.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 636.60 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 636.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 636.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 636.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 540.50 636.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 600.60 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 600.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 600.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 600.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 600.60 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 600.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 600.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.50 600.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 600.60 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 600.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 600.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 600.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 540.50 600.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 572.60 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 572.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 572.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 572.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 572.60 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 572.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 572.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.50 572.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 572.60 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 572.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 572.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 572.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 540.50 572.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 536.60 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 536.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 536.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 536.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 536.60 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 536.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 536.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.50 536.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 536.60 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 536.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 536.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 536.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 540.50 536.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 508.60 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 508.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 508.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 508.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 508.60 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 508.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 508.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.50 508.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 508.60 35.00 -14.00 re f /GS0 gs 0.8 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(947) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.50 591.06 Td (726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 591.06 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.75 591.06 Td (1,687) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 591.06 Td (818) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 591.06 Td (721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 591.06 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 591.06 Td (1,558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 577.06 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 577.06 Td (ransactional service fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 165.50 577.05 Td (718) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.00 577.05 Td (98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.50 577.05 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 577.05 Td (820) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.50 577.06 Td (738) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 577.06 Td (91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 577.06 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 577.06 Td (878) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 577.06 Td (700) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 577.06 Td (84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 577.06 Td (136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 577.06 Td (920) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 563.06 Td (Corporate finance) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 103.72 567.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 165.50 563.05 Td (729) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 563.05 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 563.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 563.05 Td (734) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.50 563.06 Td (761) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 563.06 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 563.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 563.06 Td (766) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 563.06 Td (741) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 563.06 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 563.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 563.06 Td (745) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 549.86 Td (Insurance distribution ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 540.86 Td ( revenue) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 71.98 544.94 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 541.05 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.50 541.05 Td (565) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 541.05 Td (1) Tj ET Q q 0 0 0 rg BT 246.50 541.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 541.05 Td (590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 541.06 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.50 541.06 Td (562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 541.06 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 541.06 Td (642) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 541.06 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 541.06 Td (584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 541.06 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 541.06 Td (684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 527.06 Td (Insurance premiums) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 112.23 531.14 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 527.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.50 527.05 Td (1) Tj ET Q q 0 0 0 rg BT 206.00 527.05 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 527.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 527.05 Td (1) Tj ET Q q 0 0 0 rg BT 277.00 527.05 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 527.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.50 527.06 Td (122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 527.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 527.06 Td (122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 527.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 527.06 Td (136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 527.06 Td (144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 527.06 Td (280) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 513.06 Td (Loan servicing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 165.50 513.05 Td (156) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.50 513.05 Td (122) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 513.05 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 513.05 Td (315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.50 513.06 Td (146) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.50 513.06 Td (101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 513.06 Td (95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 513.06 Td (342) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 513.06 Td (147) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 513.06 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 513.06 Td (77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 513.06 Td (351) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 499.06 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 499.05 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.50 499.05 Td (143) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 499.05 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 499.05 Td (182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 499.06 Td (\(38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 499.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 499.06 Td (99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 499.06 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 499.06 Td (91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 499.06 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 499.06 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 499.06 Td (1) Tj ET Q q 0 0 0 rg BT 528.00 499.06 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 499.06 Td (235) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 486.00 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 486.00 Td (otal commissions and ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 477.00 Td ( fees) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 57.99 481.08 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.00 477.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 158.75 477.05 Td (8,768) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.00 477.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 477.05 Td (3,01) Tj ET Q q 0 0 0 rg BT 210.50 477.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 477.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 477.05 Td (78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.00 477.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.25 477.05 Td (1) Tj ET Q q 0 0 0 rg BT 265.75 477.05 Td (1,857) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.00 477.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.75 477.06 Td (8,850) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 477.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.75 477.06 Td (3,508) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 477.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.50 477.06 Td (349) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 477.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.25 477.06 Td (12,707) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 477.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.75 477.06 Td (7,698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 477.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.75 477.06 Td (3,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 477.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 477.06 Td (709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 477.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 477.06 Td (1) Tj ET Q q 0 0 0 rg BT 552.75 477.06 Td (1,678) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 453.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 453.90 Td (Includes overdraft fees of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.96 453.90 Td ($128 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 179.07 453.90 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 183.07 453.90 Td ($135 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 224.19 453.90 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 239.74 453.90 Td ($133 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.85 453.90 Td ( for the years ended December 31, 2018, 2017 and 2016, respectively) Tj ET Q q 0 0 0 rg BT 502.48 453.90 Td (. Overdraft fees are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 444.30 Td (accounted for under ) Tj ET Q q 0 0 0 rg BT 119.53 444.30 Td (ASC 310.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 434.70 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 434.70 Td (Consists primarily of fees earned from structuring and underwriting loan syndications or related financing activity) Tj ET Q q 0 0 0 rg BT 418.71 434.70 Td (. ) Tj ET Q q 0 0 0 rg BT 422.57 434.70 Td (This activity is accounted for under ) Tj ET Q q 0 0 0 rg BT 537.65 434.70 Td (ASC 310.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 425.10 Td (Previously reported as insurance premiums in the Consolidated Statement of Income.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 415.50 Td (\(4\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 415.50 Td (Commissions and fees) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 125.11 415.50 Td ( includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.77 415.50 Td ($\(6,766\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.21 415.50 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 212.21 415.50 Td ($\(5,568\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.66 415.50 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.21 415.50 Td ($\(4,169\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.65 415.50 Td ( not accounted for under ) Tj ET Q q 0 0 0 rg BT 412.40 415.50 Td (ASC 606, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 445.96 415.50 Td (Revenue fr) Tj ET Q q 0 0 0 rg BT 480.09 415.50 Td (om Contracts with ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 405.90 Td (Customers) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 88.23 405.90 Td (, for the years ended December31, 2018, 2017 and 2016, respectively) Tj ET Q q 0 0 0 rg BT 311.86 405.90 Td (. ) Tj ET Q q 0 0 0 rg BT 315.41 405.90 Td (Amounts reported in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 383.63 405.90 Td (Commissions and fees) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 454.74 405.90 Td ( accounted for under other guidance ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 396.30 Td (primarily include card-related loan fees, card reward programs and certain partner payments, corporate finance fees, insurance premiums and loan servicing fees.) 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 33.60 Td (150) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Administration and Other) Tj ET Q q 0 0 0 rg BT 148.05 749.25 Td ( Fiduciary Fees) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Administration and other fiduciary fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.76 737.25 Td ( are primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (composed of custody fees and fiduciary fees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 713.25 Td (The custody product is composed of numerous services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (related to the administration, safekeeping and reporting for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (both U.S. and non-U.S. denominated securities. ) Tj ET Q q 0 0 0 rg BT 228.85 689.25 Td (The services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 677.25 Td (fered to clients include trade settlement, safekeeping, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (income collection, corporate action notification, record-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (keeping and reporting, tax reporting and cash management. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (These services are provided for a wide range of securities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (including but not limited to equities, municipal and corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (bonds, mortgage- and asset-backed securities, money market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (instruments, U.S. ) Tj ET Q q 0 0 0 rg BT 107.77 605.25 Td (T) Tj ET Q q 0 0 0 rg BT 113.52 605.25 Td (reasuries and agencies, derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (instruments, mutual funds, alternative investments and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (precious metals. Custody fees are recognized as or when the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (associated promised service is satisfied, which normally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (occurs at the point in time the service is requested by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (customer and provided by Citi.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 533.25 Td (Fiduciary fees consist of trust services and investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (management services. ) Tj ET Q q 0 0 0 rg BT 126.24 521.25 Td (As an escrow agent, Citi receives, safe-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (keeps, services and manages clients) Tj ET Q q 0 0 0 rg BT 469.59 749.10 Td ( escrowed assets such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (cash, securities, property \(including intellectual property\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (contracts or other collateral. Citi performs its escrow agent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (duties by safekeeping the funds during the specified time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (period agreed upon by all parties and therefore earns its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (revenue evenly during the contract duration. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 677.10 Td (Investment management services consist of managing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (assets on behalf of Citi) Tj ET Q q 0 0 0 rg BT 418.43 665.10 Td (s retail and institutional clients. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Revenue from these services primarily consists of asset-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (fees for advisory accounts, which are based on the market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (value of the client) Tj ET Q q 0 0 0 rg BT 398.69 629.10 Td (s assets and recognized monthly) Tj ET Q q 0 0 0 rg BT 526.90 629.10 Td (, when the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (market value is fixed. In some instances, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (contracts with third-party advisors and with third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (custodians. ) Tj ET Q q 0 0 0 rg BT 371.04 593.10 Td (The Company has determined that it acts as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (principal in the majority of these transactions and therefore ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (presents the amounts paid to third parties gross within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 542.58 569.10 Td (Other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (operating expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.92 557.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 545.10 Td (The following table presents ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 458.64 545.10 Td (Administration and other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (fiduciary fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.15 533.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 453.75 134.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 453.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 453.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 453.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 453.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 453.75 33.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 453.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 453.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 453.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 453.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 453.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 453.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 542.50 453.75 33.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 425.75 134.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 425.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 425.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 425.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 425.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 425.75 33.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 425.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 425.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 425.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 425.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 425.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 425.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 542.50 425.75 33.00 -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 169.5 476.75 m 201.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 476.75 m 233.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 476.75 m 273.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 476.75 m 304.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 476.75 m 337.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 476.75 m 369.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 476.75 m 409.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 476.75 m 440.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 476.75 m 471.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 476.75 m 502.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 476.75 m 542.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 476.75 m 575.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 453.75 m 169.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 476.75 m 201.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 453.75 m 201.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 476.75 m 233.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 453.75 m 233.5 453.75 l s 273.5 476.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 474.75 l 273.5 472.75 m 273.5 470.75 l 273.5 468.75 m 273.5 466.75 l 273.5 464.75 m 273.5 462.75 l 273.5 460.75 m 273.5 458.75 l 273.5 456.75 m 273.5 454.75 l 273.5 453.75 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 476.75 m 273.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 453.75 m 273.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 476.75 m 304.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 476.75 m 304.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 453.75 m 304.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 476.75 m 304.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 476.75 m 337.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 453.75 m 337.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 476.75 m 369.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 453.75 m 369.5 453.75 l s 409.5 476.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 474.75 l 409.5 472.75 m 409.5 470.75 l 409.5 468.75 m 409.5 466.75 l 409.5 464.75 m 409.5 462.75 l 409.5 460.75 m 409.5 458.75 l 409.5 456.75 m 409.5 454.75 l 409.5 453.75 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 476.75 m 409.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 453.75 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 440.5 476.75 m 440.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 476.75 m 440.5 476.75 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 440.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 476.75 m 471.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 453.75 m 471.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 476.75 m 502.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 453.75 m 502.5 453.75 l s 542.5 476.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 474.75 l 542.5 472.75 m 542.5 470.75 l 542.5 468.75 m 542.5 466.75 l 542.5 464.75 m 542.5 462.75 l 542.5 460.75 m 542.5 458.75 l 542.5 456.75 m 542.5 454.75 l 542.5 453.75 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 476.75 m 542.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 453.75 m 542.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 476.75 m 575.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 453.75 m 575.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 453.75 m 201.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 453.75 m 233.5 453.75 l s 273.5 453.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 451.75 l 273.5 449.75 m 273.5 447.75 l 273.5 445.75 m 273.5 443.75 l 273.5 441.75 m 273.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 453.75 m 273.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 453.75 m 304.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 453.75 m 304.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 453.75 m 304.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 453.75 m 337.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 453.75 m 369.5 453.75 l s 409.5 453.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 451.75 l 409.5 449.75 m 409.5 447.75 l 409.5 445.75 m 409.5 443.75 l 409.5 441.75 m 409.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 453.75 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 440.5 453.75 m 440.5 439.75 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 440.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 453.75 m 471.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 453.75 m 502.5 453.75 l s 542.5 453.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 451.75 l 542.5 449.75 m 542.5 447.75 l 542.5 445.75 m 542.5 443.75 l 542.5 441.75 m 542.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 453.75 m 542.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 453.75 m 575.5 453.75 l s 273.5 439.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 437.75 l 273.5 435.75 m 273.5 433.75 l 273.5 431.75 m 273.5 429.75 l 273.5 427.75 m 273.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 439.75 m 304.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 439.75 m 304.5 425.75 l s 409.5 439.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 437.75 l 409.5 435.75 m 409.5 433.75 l 409.5 431.75 m 409.5 429.75 l 409.5 427.75 m 409.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 439.75 m 440.5 425.75 l s 542.5 439.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 437.75 l 542.5 435.75 m 542.5 433.75 l 542.5 431.75 m 542.5 429.75 l 542.5 427.75 m 542.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 411.75 m 169.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 411.75 m 201.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 411.75 m 233.5 411.75 l s 273.5 425.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 423.75 l 273.5 421.75 m 273.5 419.75 l 273.5 417.75 m 273.5 415.75 l 273.5 413.75 m 273.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 425.75 m 304.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 411.75 m 304.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 425.75 m 304.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 411.75 m 337.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 411.75 m 369.5 411.75 l s 409.5 425.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 423.75 l 409.5 421.75 m 409.5 419.75 l 409.5 417.75 m 409.5 415.75 l 409.5 413.75 m 409.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 411.75 m 409.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 425.75 m 440.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 411.75 m 440.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 411.75 m 471.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 411.75 m 502.5 411.75 l s 542.5 425.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 423.75 l 542.5 421.75 m 542.5 419.75 l 542.5 417.75 m 542.5 415.75 l 542.5 413.75 m 542.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 411.75 m 542.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 411.75 m 575.5 411.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 388.75 m 169.5 388.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 388.75 m 201.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 411.75 m 233.5 411.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 388.75 m 233.5 388.75 l s 273.5 411.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 409.75 l 273.5 407.75 m 273.5 405.75 l 273.5 403.75 m 273.5 401.75 l 273.5 399.75 m 273.5 397.75 l 273.5 395.75 m 273.5 393.75 l 273.5 391.75 m 273.5 389.75 l 273.5 388.75 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 411.75 m 273.5 411.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 388.75 m 273.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 411.75 m 304.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 411.75 m 304.5 411.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 388.75 m 304.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 411.75 m 304.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 411.75 m 337.5 411.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 388.75 m 337.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 411.75 m 369.5 411.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 388.75 m 369.5 388.75 l s 409.5 411.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 409.75 l 409.5 407.75 m 409.5 405.75 l 409.5 403.75 m 409.5 401.75 l 409.5 399.75 m 409.5 397.75 l 409.5 395.75 m 409.5 393.75 l 409.5 391.75 m 409.5 389.75 l 409.5 388.75 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 411.75 m 409.5 411.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 388.75 m 409.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 411.75 m 440.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 411.75 m 440.5 411.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 388.75 m 440.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 411.75 m 471.5 411.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 388.75 m 471.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 411.75 m 502.5 411.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 388.75 m 502.5 388.75 l s 542.5 411.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 409.75 l 542.5 407.75 m 542.5 405.75 l 542.5 403.75 m 542.5 401.75 l 542.5 399.75 m 542.5 397.75 l 542.5 395.75 m 542.5 393.75 l 542.5 391.75 m 542.5 389.75 l 542.5 388.75 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 411.75 m 542.5 411.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 388.75 m 542.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 411.75 m 575.5 411.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 542.5 388.75 m 575.5 388.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 481.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 481.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 481.21 Td (2016) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 458.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.45 458.20 Td (ICG) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.20 458.20 Td (GCB) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.75 467.20 Td (Corp/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.55 458.20 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.65 458.20 Td (T) Tj ET Q q 0 0 0 rg BT 283.83 458.20 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 458.21 Td (ICG) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.70 458.21 Td (GCB) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.70 467.21 Td (Corp/) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.75 458.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.30 458.21 Td (T) Tj ET Q q 0 0 0 rg BT 420.48 458.21 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 458.21 Td (ICG) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.20 458.21 Td (GCB) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.70 467.21 Td (Corp/) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 458.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.30 458.21 Td (T) Tj ET Q q 0 0 0 rg BT 554.17 458.21 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 444.21 Td (Custody fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.00 444.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.75 444.20 Td (1,494) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 444.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.50 444.20 Td (136) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.00 444.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 444.20 Td (65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 444.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.75 444.20 Td (1,695) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 444.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 444.21 Td (1,505) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 444.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 444.21 Td (167) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 444.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 444.21 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 444.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 444.21 Td (1,728) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.00 444.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 444.21 Td (1,353) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 444.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 444.21 Td (163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 444.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 444.21 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.00 444.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 444.21 Td (1,564) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 430.21 Td (Fiduciary fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 184.50 430.20 Td (645) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.50 430.20 Td (597) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 430.20 Td (43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.75 430.20 Td (1,285) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.50 430.21 Td (593) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 430.21 Td (575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 430.21 Td (91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 430.21 Td (1,259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.50 430.21 Td (554) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 430.21 Td (539) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 430.21 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 430.21 Td (1,143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 416.21 Td (Guarantee fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 184.50 416.20 Td (536) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 416.20 Td (57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.50 416.20 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.50 416.20 Td (600) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.50 416.21 Td (535) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 416.21 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 416.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 416.21 Td (597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.50 416.21 Td (523) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 416.21 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 416.21 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 416.21 Td (587) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 402.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 402.20 Td (otal administration ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 393.20 Td ( and other) Tj ET Q q 0 0 0 rg BT 79.59 393.20 Td ( fiduciary fees) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 133.58 397.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.00 393.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.75 393.20 Td (2,675) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 393.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.50 393.20 Td (790) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.00 393.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.50 393.20 Td (1) Tj ET Q q 0 0 0 rg BT 261.00 393.20 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 393.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.75 393.20 Td (3,580) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 393.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 393.21 Td (2,633) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 393.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 393.21 Td (796) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 393.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.50 393.21 Td (155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 393.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 393.21 Td (3,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.00 393.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 393.21 Td (2,430) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 393.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 393.21 Td (756) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 393.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.50 393.21 Td (108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.00 393.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 393.21 Td (3,294) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 371.65 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 371.65 Td (Administration and other fiduciary fees) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 180.21 371.65 Td ( includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.87 371.65 Td ($600 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.98 371.65 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 255.98 371.65 Td ($597 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.10 371.65 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.65 371.65 Td ($587 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.76 371.65 Td ( for the years ended December 31, 2018, 2017 and 2016, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 362.05 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 362.05 Td (, that are not accounted for under ) Tj ET Q q 0 0 0 rg BT 199.64 362.05 Td (ASC 606, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 233.20 362.05 Td (Revenue fr) Tj ET Q q 0 0 0 rg BT 267.33 362.05 Td (om Contracts with Customers.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.68 362.05 Td ( ) Tj ET Q q 0 0 0 rg BT 366.53 362.05 Td (These amounts include guarantee fees.) 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 33.60 Td (151) 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 /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 729.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 729.25 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 60.17 729.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.90 729.25 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 (that are managed on a portfolio basis characterized by primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 669.25 Td (risk. Not included in the table below is the impact of net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 657.25 Td (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 (. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 633.25 Td (information regarding ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 126.53 633.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.25 633.25 Td ( revenue, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (Note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.94 749.10 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.94 749.10 Td ( to the Consolidated Financial Statements for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (information about net interest revenue related to trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (activities. Principal transactions include CV) Tj ET Q q 0 0 0 rg BT 498.50 725.10 Td (A) Tj ET Q q 0 0 0 rg BT 505.17 725.10 Td ( \(credit valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (adjustments on derivatives\) and FV) Tj ET Q q 0 0 0 rg BT 464.91 713.10 Td (A) Tj ET Q q 0 0 0 rg BT 471.58 713.10 Td ( \(funding valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (adjustments\) on over) Tj ET Q q 0 0 0 rg BT 407.67 701.10 Td (-the-counter derivatives. ) Tj ET Q q 0 0 0 rg BT 507.73 701.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (adjustments are discussed further in Note 24 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (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 ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 454.96 665.10 Td (Principal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.73 665.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 495.23 665.10 Td (transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.68 665.10 Td ( ) 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 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 608.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 608.75 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 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 580.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 580.75 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 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 552.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 552.75 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 422.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 608.75 m 497.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 608.75 m 572.5 608.75 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 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 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 422.5 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 538.75 m 497.5 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 538.75 m 572.5 538.75 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 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 538.75 m 422.5 538.75 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 422.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 538.75 m 497.5 538.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 524.75 m 497.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 538.75 m 572.5 538.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 524.75 m 572.5 524.75 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 375.50 613.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.50 613.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.50 613.21 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 599.21 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 100.98 603.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.00 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.75 599.20 Td (5,186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 599.21 Td (5,301) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 599.21 Td (4,229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 585.21 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 122.48 589.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.75 585.20 Td (1,423) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 585.21 Td (2,435) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 585.21 Td (1,699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 571.21 Td (Equity risks) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 82.25 575.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.75 571.20 Td (1,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 571.21 Td (525) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 571.21 Td (330) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 557.21 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 137.24 561.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.50 557.20 Td (662) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 557.21 Td (425) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 557.21 Td (899) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 543.21 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 129.24 547.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.50 543.20 Td (445) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 543.21 Td (789) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 543.21 Td (700) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 529.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 529.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.00 529.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.75 529.20 Td (9,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 529.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 529.21 Td (9,475) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 529.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 529.21 Td (7,857) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 507.65 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 507.65 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 488.31 507.65 Td (Also includes spot and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 498.05 Td (forward trading of currencies and exchange-traded and over) Tj ET Q q 0 0 0 rg BT 245.52 498.05 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 54.00 488.45 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 36.00 478.85 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 478.85 Td (Includes revenues from foreign exchange spot, forward, option and swap contracts, as well as foreign currency translation \(FX translation\) gains and losses.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 469.25 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 469.25 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 54.00 459.65 Td (options and warrants.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 450.05 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 450.05 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 36.00 440.45 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 440.45 Td (Includes revenues from structured credit products.) 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 (152) 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 and various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (forms of immediate and deferred awards as part of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (discretionary annual incentive award program involving a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (lar) Tj ET Q q 0 0 0 rg BT 46.37 677.25 Td (ge segment of Citigroup) Tj ET Q q 0 0 0 rg BT 146.07 677.25 Td (s employees worldwide. Most of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (the shares of common stock issued by Citigroup as part of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (equity compensation programs are to settle the vesting of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (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 on the previous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (year) Tj ET Q q 0 0 0 rg BT 53.58 605.25 Td () Tj ET Q q 0 0 0 rg BT 56.36 605.25 Td (s performance. ) Tj ET Q q 0 0 0 rg BT 117.72 605.25 Td (A) Tj ET Q q 0 0 0 rg BT 124.02 605.25 Td (wards valued at less than U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.78 605.25 Td ($100,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.28 605.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (\(or the local currency equivalent\) are generally paid entirely in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (the form of an immediate cash bonus. Pursuant to Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (policy and/or regulatory requirements, certain employees and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 557.25 Td (ficers are subject to mandatory deferrals of incentive pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (and generally receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.00 545.25 Td (25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.33 545.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.33 545.25 Td (60%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.66 545.25 Td ( of their awards in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (combination of restricted or deferred stock, deferred cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (stock units or deferred cash. Discretionary annual incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (awards to many employees in the EU are subject to deferral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (requirements regardless of the total award value, with at least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.33 485.25 Td ( of the immediate incentive delivered in the form of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (stock payment award subject to a restriction on sale or transfer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (\(generally) Tj ET Q q 0 0 0 rg BT 75.88 461.25 Td (, for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.04 461.25 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.04 461.25 Td ( months\). ) 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 in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (form of one or more award types: a restricted or deferred stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (award under Citi) Tj ET Q q 0 0 0 rg BT 105.98 425.25 Td (s Capital ) Tj ET Q q 0 0 0 rg BT 143.20 425.25 Td (Accumulation Program \(CAP\), or a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (deferred cash stock unit award and/or a deferred cash award ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (under Citi) Tj ET Q q 0 0 0 rg BT 79.05 401.25 Td (s Deferred Cash ) Tj ET Q q 0 0 0 rg BT 145.42 401.25 Td (A) Tj ET Q q 0 0 0 rg BT 151.72 401.25 Td (ward Plan. ) Tj ET Q q 0 0 0 rg BT 196.81 401.25 Td (The applicable mix of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (awards may vary based on the employee) Tj ET Q q 0 0 0 rg BT 200.94 389.25 Td (s minimum deferral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (requirement and the country of employment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 365.25 Td (Subject to certain exceptions \(principally) Tj ET Q q 0 0 0 rg BT 217.74 365.25 Td (, for retirement-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (eligible employees\), continuous employment within Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (is required to vest in CAP) Tj ET Q q 0 0 0 rg BT 138.50 341.25 Td (, deferred cash stock unit and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (deferred cash awards. Post employment vesting by retirement-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (eligible employees and participants who meet other conditions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (is generally conditioned upon their refraining from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (competition with Citigroup during the remaining vesting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (period, unless the employment relationship has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (terminated by Citigroup under certain conditions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 257.25 Td (Generally) Tj ET Q q 0 0 0 rg BT 92.77 257.25 Td (, the deferred awards vest in equal annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (installments over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.10 245.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.08 245.25 Td (- or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.74 245.25 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.20 245.25 Td (-year periods. ) Tj ET Q q 0 0 0 rg BT 217.50 245.25 Td (V) Tj ET Q q 0 0 0 rg BT 223.61 245.25 Td (ested CAP) Tj ET Q q 0 0 0 rg BT 265.74 245.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (awards are delivered in shares of common stock. Deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (cash awards are payable in cash and, except as prohibited by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (applicable regulatory guidance, earn a fixed notional rate of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (interest that is paid only if and when the underlying principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (award amount vests. Deferred cash stock unit awards are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (payable in cash at the vesting value of the underlying stock. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (Generally) Tj ET Q q 0 0 0 rg BT 74.77 161.25 Td (, in the EU, vested CAP) Tj ET Q q 0 0 0 rg BT 170.23 161.25 Td ( shares are subject to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (restriction on sale or transfer after vesting, and vested deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (cash awards and deferred cash stock units are subject to hold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td (back \(generally) Tj ET Q q 0 0 0 rg BT 97.26 125.25 Td (, for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.42 125.25 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.42 125.25 Td ( months in each case\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 113.25 Td (Unvested CAP) Tj ET Q q 0 0 0 rg BT 112.61 113.25 Td (, deferred cash stock units and deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 Td (cash awards are subject to one or more clawback provisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.25 Td (that apply in certain circumstances, including gross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.25 Td (misconduct. CAP) Tj ET Q q 0 0 0 rg BT 106.19 77.25 Td ( and deferred cash stock unit awards, made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (to certain employees, are subject to a formulaic performance-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.25 Td (based vesting condition pursuant to which amounts otherwise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 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 324.00 737.10 Td (pretax loss in the participant) Tj ET Q q 0 0 0 rg BT 440.08 737.10 Td (s business in the calendar year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (preceding the scheduled vesting date. ) Tj ET Q q 0 0 0 rg BT 475.62 725.10 Td (A) Tj ET Q q 0 0 0 rg BT 482.29 725.10 Td ( minimum reduction of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.33 713.10 Td ( applies for the first dollar of loss for CAP) Tj ET Q q 0 0 0 rg BT 511.10 713.10 Td ( and deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (cash stock unit awards. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 689.10 Td (In addition, deferred cash awards are subject to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (discretionary performance-based vesting condition under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 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 324.00 653.10 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 324.00 641.10 Td (participant has significant responsibility) Tj ET Q q 0 0 0 rg BT 488.03 641.10 Td (. ) Tj ET Q q 0 0 0 rg BT 497.29 641.10 Td (These awards are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (also subject to an additional clawback provision pursuant to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 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 324.00 605.10 Td (engaged in misconduct or exercised materially imprudent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 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 324.00 581.10 Td (other employees who did. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (Sign-on and Long-T) Tj ET Q q 0 0 0 rg BT 409.23 557.10 Td (erm Retention ) Tj ET Q q 0 0 0 rg BT 472.54 557.10 Td (A) Tj ET Q q 0 0 0 rg BT 479.02 557.10 Td (wards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 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 324.00 533.10 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 324.00 521.10 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 324.00 509.10 Td (retention awards.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 497.10 Td (V) Tj ET Q q 0 0 0 rg BT 348.11 497.10 Td (esting periods and other terms and conditions pertaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (to these awards tend to vary by grant. Generally) Tj ET Q q 0 0 0 rg BT 515.23 485.10 Td (, recipients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 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 324.00 461.10 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 324.00 449.10 Td (termination other than for gross misconduct. ) Tj ET Q q 0 0 0 rg BT 504.06 449.10 Td (These awards do ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (not usually provide for post employment vesting by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (retirement-eligible participants. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (Outstanding \(Unvested\) Stock ) Tj ET Q q 0 0 0 rg BT 454.30 401.10 Td (A) Tj ET Q q 0 0 0 rg BT 460.78 401.10 Td (wards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (A) Tj ET Q q 0 0 0 rg BT 330.67 389.10 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 324.00 377.10 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 324.00 365.10 Td (retention awards is presented below:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 306.60 136.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.50 306.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 306.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 278.60 136.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.50 278.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 278.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 250.60 136.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.50 250.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 250.60 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 324.5 306.6 m 460.5 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 306.6 m 513.5 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 306.6 m 576.5 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 306.6 m 460.5 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 306.6 m 513.5 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 306.6 m 576.5 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 250.60000000000002 m 460.5 250.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 236.60000000000002 m 460.5 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 250.60000000000002 m 513.5 250.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 236.60000000000002 m 513.5 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 250.60000000000002 m 576.5 250.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 236.60000000000002 m 576.5 236.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 311.05 Td (Unvestedstockawards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.55 311.05 Td (Shar) Tj ET Q q 0 0 0 rg BT 491.89 311.05 Td (es) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.75 346.00 Td (W) Tj ET Q q 0 0 0 rg BT 533.25 346.00 Td (eighted-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.85 337.00 Td (averagegrant) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 528.20 328.00 Td (datefair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.70 319.00 Td (value per) Tj ET Q q 0 0 0 rg BT 562.28 319.00 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.05 310.00 Td (shar) Tj ET Q q 0 0 0 rg BT 550.89 310.00 Td (e) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 297.06 Td (Unvested at December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 297.06 Td (36,931,040) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 297.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 297.06 Td (47.89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 283.06 Td (Granted) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 355.99 287.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 283.06 Td (12,896,599) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 283.06 Td (73.87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 269.06 Td (Canceled) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 269.06 Td (\(1,315,456) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 269.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 269.06 Td (54.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 255.06 Td (V) Tj ET Q q 0 0 0 rg BT 332.50 255.06 Td (ested) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 350.99 259.14 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 255.06 Td (\(16,783,587) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 255.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 255.06 Td (49.54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 241.05 Td (Unvested at December) Tj ET Q q 0 0 0 rg BT 413.31 241.05 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.50 241.05 Td (31,728,596) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.00 241.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 241.05 Td (57.30) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 217.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 217.90 Td (The weighted-average fair value of the shares granted during 2017 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 208.30 Td (2016 was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.44 208.30 Td ($59.12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 396.44 208.30 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.99 208.30 Td ($37.35) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.99 208.30 Td (, respectively) Tj ET Q q 0 0 0 rg BT 476.12 208.30 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 198.70 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 198.70 Td (The weighted-average fair value of the shares vesting during 2018 was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 189.10 Td (approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 390.21 189.10 Td ($77.65) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.21 189.10 Td ( per share.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 169.10 Td (T) Tj ET Q q 0 0 0 rg BT 347.41 169.10 Td (otal unrecognized compensation cost related to unvested ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 157.10 Td (stock awards was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.48 157.10 Td ($538 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.87 157.10 Td ( at December 31, 2018. ) Tj ET Q q 0 0 0 rg BT 543.49 157.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 145.10 Td (cost is expected to be recognized over a weighted-average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 133.10 Td (period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.88 133.10 Td (1.7 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.98 133.10 Td (. ) Tj ET Q 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 (153) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Performance Shar) Tj ET Q q 0 0 0 rg BT 114.40 749.25 Td (e Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Certain executive of) Tj ET Q q 0 0 0 rg BT 116.89 737.25 Td (ficers were awarded a tar) Tj ET Q q 0 0 0 rg BT 217.20 737.25 Td (get number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (performance share units \(PSUs\) each February from 2015 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (2018, for performance in the year prior to the award date. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (grants prior to 2016, PSUs will be earned only to the extent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (that Citigroup attains specified performance goals relating to ) 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 return on assets and relative total shareholder ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (return against peers over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.79 665.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.77 665.25 Td (-year period beginning with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (the year of award. ) Tj ET Q q 0 0 0 rg BT 110.50 653.25 Td (The actual dollar amounts ultimately earned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (could vary from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.92 641.25 Td (zero) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.13 641.25 Td (, if performance goals are not met, to as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (much as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.55 629.25 Td (150%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.88 629.25 Td ( of tar) Tj ET Q q 0 0 0 rg BT 118.57 629.25 Td (get, if performance goals are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (meaningfully exceeded. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 605.25 Td (The PSUs granted in February 2016 are earned over a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.99 593.25 Td (-year performance period based on Citigroup) Tj ET Q q 0 0 0 rg BT 238.97 593.25 Td (s relative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (total shareholder return as compared to peers. ) Tj ET Q q 0 0 0 rg BT 220.75 581.25 Td (The actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (dollar amounts ultimately earned could vary from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.33 569.25 Td (zero) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.54 569.25 Td (, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 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 219.27 557.25 Td (150%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.60 557.25 Td ( of tar) Tj ET Q q 0 0 0 rg BT 266.29 557.25 Td (get, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (if performance goals are meaningfully exceeded. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 533.25 Td (The PSUs granted in February 2017 are earned over a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.99 521.25 Td (-year performance period based half on return on tangible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (common equity performance in 2019, and the remaining half ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (on cumulative earnings per share over 2017 to 2019. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 485.25 Td (The PSUs granted in February 2018 are earned over a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (three-year performance period based half on return on tangible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (common equity performance in 2020, and the remaining half ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (on cumulative earnings per share over 2018 to 2020.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 437.25 Td (For the PSUs awarded in 2016, 2017 and 2018, if the total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (shareholder return is negative over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.05 425.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.04 425.25 Td (-year performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (period, executives may earn no more than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.94 413.25 Td (100%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.27 413.25 Td ( of the tar) Tj ET Q q 0 0 0 rg BT 267.68 413.25 Td (get ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (PSUs, regardless of the extent to which Citi outperforms peer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (firms.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 377.25 Td (For all award years, the value of each PSU is equal to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.99 365.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.42 365.25 Td ( share of Citi common stock. Dividend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (equivalents will be accrued and paid on the number of earned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (PSUs after the end of the performance period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 329.25 Td (PSUs are subject to variable accounting, pursuant to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (which the associated value of the award will fluctuate with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (changes in Citigroup) Tj ET Q q 0 0 0 rg BT 122.10 305.25 Td (s stock price and the attainment of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (specified performance goals for each award, until the award is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (settled solely in cash after the end of the performance period. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (The 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 36.00 257.25 Td (estimated using a simulation model that incorporates multiple ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (valuation assumptions, including the probability of achieving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (the specified performance goals of each award. ) Tj ET Q q 0 0 0 rg BT 226.83 233.25 Td (The risk-free ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (rate used in the model is based on the applicable U.S. ) Tj ET Q q 0 0 0 rg BT 252.15 221.25 Td (T) Tj ET Q q 0 0 0 rg BT 257.91 221.25 Td (reasury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 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 36.00 197.25 Td (as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 169.75 132.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 169.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 169.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 169.75 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 35.5 169.75 m 167.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 169.75 m 207.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 169.75 m 247.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 169.75 m 287.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 141.75 m 167.5 141.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 141.75 m 207.5 141.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 141.75 m 247.5 141.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 141.75 m 287.5 141.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 174.20 Td (V) Tj ET Q q 0 0 0 rg BT 43.67 174.20 Td (aluation assumptions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.00 174.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 174.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 174.21 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 160.21 Td (Expected volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.75 160.20 Td (24.93) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.00 160.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.25 160.21 Td (25.79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 239.50 160.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.25 160.21 Td (24.37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.50 160.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 146.21 Td (Expected dividend yield) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 182.25 146.20 Td (1.75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.75 146.21 Td (1.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.75 146.21 Td (0.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.00 142.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 749.10 Td ( summary of the performance share unit activity for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (2018 is presented below:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 684.60 133.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.00 684.60 53.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.00 684.60 63.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 648.60 133.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.00 648.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.00 648.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 620.60 133.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.00 620.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.00 620.60 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 325 684.6 m 458 684.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458 684.6 m 511 684.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511 684.6 m 574 684.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 684.6 m 458 684.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458 684.6 m 511 684.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511 684.6 m 574 684.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 620.6 m 458 620.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 325 606.6 m 458 606.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458 620.6 m 511 620.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 458 606.6 m 511 606.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511 620.6 m 574 620.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511 606.6 m 574 606.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.50 689.05 Td (Performance shar) Tj ET Q q 0 0 0 rg BT 396.64 689.05 Td (e units) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.70 689.05 Td (Units) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.25 716.05 Td (W) Tj ET Q q 0 0 0 rg BT 530.75 716.05 Td (eighted-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.35 707.05 Td (averagegrant) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.70 698.05 Td (datefair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.30 689.05 Td (value per) Tj ET Q q 0 0 0 rg BT 550.88 689.05 Td ( unit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.50 676.00 Td (Outstanding, beginning of ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.50 667.00 Td ( period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.50 667.05 Td (1,786,726) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.50 667.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.25 667.05 Td (40.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.50 653.06 Td (Granted) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 356.49 657.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.25 653.05 Td (495,099) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.25 653.05 Td (83.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.50 639.06 Td (Canceled) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 639.05 Td (\(25,160) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.50 639.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.25 639.05 Td (44.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.50 625.06 Td (Payments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 625.05 Td (\(488,304) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.50 625.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.25 625.05 Td (44.07) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.50 611.05 Td (Outstanding, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.50 611.05 Td (1,768,362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.50 611.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.25 611.05 Td (51.88) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 587.90 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 333.33 591.52 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 587.90 Td (The weighted-average grant date fair value per unit awarded in 2017 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 578.30 Td (2016 was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.44 578.30 Td ($59.22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 396.44 578.30 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.99 578.30 Td ($27.03) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.99 578.30 Td (, respectively) Tj ET Q q 0 0 0 rg BT 476.12 578.30 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 556.70 Td (PSUs granted in 2015 and 2017 were equitably adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 544.70 Td (after the enactment of ) Tj ET Q q 0 0 0 rg BT 413.77 544.70 Td (T) Tj ET Q q 0 0 0 rg BT 419.18 544.70 Td (ax Reform, as required under the terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 532.70 Td (of those awards. ) Tj ET Q q 0 0 0 rg BT 391.58 532.70 Td (The adjustments were intended to reproduce ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 520.70 Td (the expected value of the awards immediately prior to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 508.70 Td (passage of ) Tj ET Q q 0 0 0 rg BT 368.25 508.70 Td (T) Tj ET Q q 0 0 0 rg BT 373.66 508.70 Td (ax Reform. ) Tj ET Q q 0 0 0 rg BT 420.96 508.70 Td (The PSUs granted in 2016 were not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 496.70 Td (impacted by ) Tj ET Q q 0 0 0 rg BT 375.47 496.70 Td (T) Tj ET Q q 0 0 0 rg BT 380.88 496.70 Td (ax Reform. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 472.70 Td (Stock Option Pr) Tj ET Q q 0 0 0 rg BT 393.27 472.70 Td (ograms) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 460.70 Td (All outstanding stock options are fully vested, with the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 448.70 Td (expense recognized as a char) Tj ET Q q 0 0 0 rg BT 439.86 448.70 Td (ge to income in prior periods. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 436.70 Td (Generally) Tj ET Q q 0 0 0 rg BT 362.77 436.70 Td (, the stock options outstanding have a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.53 436.70 Td (six) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.20 436.70 Td (-year term, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 424.70 Td (with some stock options subject to various transfer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 412.70 Td (restrictions. ) Tj ET Q 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 (154) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (The following table presents information with respect to stock option activity under Citigroup) Tj ET Q q 0 0 0 rg BT 414.26 749.10 Td (s stock option programs:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 683.60 115.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.50 683.60 53.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 204.50 683.60 46.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 683.60 42.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 683.60 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 683.60 44.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 683.60 39.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 683.60 58.00 -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 36.50 647.60 115.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.50 647.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 204.50 647.60 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 647.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 647.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 647.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 647.60 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 647.60 58.00 -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 36.50 619.60 115.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.50 619.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 204.50 619.60 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 619.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 619.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 619.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 619.60 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 619.60 58.00 -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 151.5 724.6 m 204.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 724.6 m 250.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 724.6 m 292.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 724.6 m 352.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 724.6 m 396.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 724.6 m 435.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 724.6 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 151.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151.5 683.6 m 204.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 724.6 m 250.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 683.6 m 250.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 724.6 m 292.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 724.6 m 292.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 683.6 m 292.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 683.6 m 352.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 724.6 m 396.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 683.6 m 396.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 724.6 m 435.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 724.6 m 435.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 683.6 m 435.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 683.6 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 151.5 683.6 m 204.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 683.6 m 250.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 683.6 m 292.5 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 683.6 m 292.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 683.6 m 396.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 683.6 m 435.5 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 683.6 m 435.5 683.6 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 292.5 661.6 m 292.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 661.6 m 435.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 647.6 m 292.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 647.6 m 435.5 633.6 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 151.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151.5 619.6 m 204.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 619.6 m 250.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 633.6 m 292.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 619.6 m 292.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 619.6 m 352.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 619.6 m 396.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 633.6 m 435.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 619.6 m 435.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 619.6 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 151.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 619.6 m 250.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 619.6 m 292.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 619.6 m 292.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 619.6 m 396.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 619.6 m 435.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 619.6 m 435.5 619.6 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 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 591.6 m 151.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151.5 605.6 m 204.5 605.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 151.5 591.6 m 204.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 605.6 m 250.5 605.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 591.6 m 250.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 605.6 m 292.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 605.6 m 292.5 605.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 591.6 m 292.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 605.6 m 352.5 605.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 591.6 m 352.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 605.6 m 396.5 605.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 591.6 m 396.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 605.6 m 435.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 605.6 m 435.5 605.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 591.6 m 435.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 605.6 m 493.5 605.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 591.6 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 2.00 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 2.00 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 212.50 729.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.50 729.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 729.06 Td (2016) 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 162.20 688.05 Td (Options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.25 715.05 Td (W) Tj ET Q q 0 0 0 rg BT 215.75 715.05 Td (eighted-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 706.05 Td (average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.80 697.05 Td (exer) Tj ET Q q 0 0 0 rg BT 228.12 697.05 Td (cise) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.25 688.05 Td (price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.45 706.05 Td (Intrinsic) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.70 697.05 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 688.05 Td (per) Tj ET Q q 0 0 0 rg BT 265.83 688.05 Td (shar) Tj ET Q q 0 0 0 rg BT 284.92 688.05 Td (e) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.70 688.06 Td (Options) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.35 715.06 Td (W) Tj ET Q q 0 0 0 rg BT 363.12 715.06 Td (eighted-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 706.06 Td (average) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 697.06 Td (exercise) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.00 688.06 Td (price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 706.06 Td (Intrinsic) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.75 697.06 Td (value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.10 688.06 Td (pershare) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.70 688.06 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 165.00 666.05 Td (1,138,813) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.00 666.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 666.05 Td (161.96) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 666.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.00 666.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 666.06 Td (1,527,396) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.00 666.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 666.06 Td (131.78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 666.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 666.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 666.06 Td (6,656,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 666.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 666.06 Td (67.92) 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 192.00 652.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 652.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.00 652.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 652.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 652.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 652.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 652.06 Td (\(25,334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 652.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 652.06 Td (40.80) 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 168.75 638.05 Td (\(376,588) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 638.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 638.05 Td (283.63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.00 638.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 638.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 638.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 638.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 638.06 Td (\(2,613,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 638.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 638.06 Td (48.80) 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 192.00 624.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 624.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.00 624.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.75 624.06 Td (\(388,583) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 624.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 624.06 Td (43.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 624.06 Td (15.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 624.06 Td (\(2,489,949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 624.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 624.06 Td (49.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 624.06 Td (6.60) 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 171.75 610.05 Td (762,225) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.00 610.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 610.05 Td (101.84) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 610.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.00 610.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 610.06 Td (1,138,813) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.00 610.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 610.06 Td (161.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 610.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 610.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 610.06 Td (1,527,396) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 610.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.25 610.06 Td (131.78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 610.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 610.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 596.05 Td (Exer) Tj ET Q q 0 0 0 rg BT 57.33 596.05 Td (cisable, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 171.75 596.05 Td (762,225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.00 596.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 596.06 Td (1,138,813) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 596.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 596.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 596.06 Td (1,527,396) 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 (The following table summarizes information about stock options outstanding under Citigroup) Tj ET Q q 0 0 0 rg BT 413.16 563.30 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, 2018:) 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 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 445.5 524.4 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 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 445.5 492.4 m 445.5 478.4 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 445.5 478.4 m 445.5 464.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 450.4 m 235.5 450.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 464.4 m 290.5 464.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 450.4 m 290.5 450.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 464.4 m 366.5 464.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 450.4 m 366.5 450.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 464.4 m 445.5 450.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 464.4 m 445.5 464.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 450.4 m 445.5 450.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 464.4 m 497.5 464.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 450.4 m 497.5 450.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 464.4 m 576.5 464.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 450.4 m 576.5 450.4 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 (Optionsexer) Tj ET Q q 0 0 0 rg BT 522.03 528.85 Td (cisable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 496.85 Td (Rangeofexer) Tj ET Q q 0 0 0 rg BT 91.90 496.85 Td (ciseprices) 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$99.99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.75 482.85 Td (312,309) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 482.85 Td (2.1 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 482.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 482.85 Td (43.56) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.75 482.85 Td (312,309) 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 (43.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 468.86 Td ($100.00$199.99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.75 468.85 Td (449,916) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 468.85 Td (0.0 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.25 468.85 Td (142.30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.75 468.85 Td (449,916) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 468.85 Td (142.30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 454.85 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 454.85 Td (otal at December) Tj ET Q q 0 0 0 rg BT 109.48 454.85 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.75 454.85 Td (762,225) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 454.85 Td (0.9 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 454.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.25 454.85 Td (101.84) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.75 454.85 Td (762,225) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 454.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 454.85 Td (101.84) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 422.90 Td (Other) Tj ET Q q 0 0 0 rg BT 61.37 422.90 Td ( ) Tj ET Q q 0 0 0 rg BT 63.69 422.90 Td (V) Tj ET Q q 0 0 0 rg BT 69.99 422.90 Td (ariable Incentive Compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 410.90 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 36.00 398.90 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 36.00 386.90 Td (sales, operational excellence and customer satisfaction. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 374.90 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 36.00 362.90 Td (who are not eligible for discretionary annual incentive awards. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 350.90 Td (Other forms of variable compensation include monthly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 338.90 Td (commissions paid to financial advisors and mortgage loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 326.90 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 326.90 Td (ficers.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 302.90 Td (Summary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 290.90 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 36.00 278.90 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 36.00 266.90 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 36.00 254.90 Td (char) Tj ET Q q 0 0 0 rg BT 53.03 254.90 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 36.00 242.90 Td (for awards to retirement-eligible employees and immediately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 230.90 Td (vested awards. ) Tj ET Q q 0 0 0 rg BT 97.19 230.90 Td (Whenever awards are made or are expected to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 218.90 Td (be made to retirement-eligible employees, the char) Tj ET Q q 0 0 0 rg BT 238.79 218.90 Td (ge to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 206.90 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 36.00 194.90 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 36.00 182.90 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 36.00 170.90 Td (the grant date, the entire expense is recognized in the year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 158.90 Td (prior to grant. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 146.90 Td (Recipients of Citigroup stock awards generally do not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 134.90 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 36.00 122.90 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 36.00 110.90 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 98.90 Td (stock awards and deferred cash stock unit awards, however) Tj ET Q q 0 0 0 rg BT 272.46 98.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 86.90 Td (may) Tj ET Q q 0 0 0 rg BT 52.57 86.90 Td (, except as prohibited by applicable regulatory guidance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 74.90 Td (be entitled to receive dividends or dividend-equivalent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 62.90 Td (payments during the vesting period. Recipients of restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 50.90 Td (stock awards generally are entitled to vote the shares in their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 422.90 Td (award during the vesting period. Once a stock award vests, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 410.90 Td (shares are freely transferable, unless they are subject to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 398.90 Td (restriction on sale or transfer for a specified period. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 386.90 Td (All equity awards granted since ) Tj ET Q q 0 0 0 rg BT 470.57 386.90 Td (April19, 2005 have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 374.90 Td (made pursuant to stockholder) Tj ET Q q 0 0 0 rg BT 441.83 374.90 Td (-approved stock incentive plans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 362.90 Td (that are administered by the Personnel and Compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 350.90 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 324.00 338.90 Td (composed entirely of independent non-employee directors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 326.90 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.50 326.90 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.08 326.90 Td (, approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.34 326.90 Td (42.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.23 326.90 Td ( shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 314.90 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 324.00 302.90 Td (grant under Citigroup) Tj ET Q q 0 0 0 rg BT 413.43 302.90 Td (s 2014 Stock Incentive Plan, the only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 290.90 Td (plan from which equity awards are currently granted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 278.90 Td (The 2014 Stock Incentive Plan and predecessor plans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 266.90 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 324.00 254.90 Td (connection with awards granted under the plans. ) Tj ET Q q 0 0 0 rg BT 519.87 254.90 Td (T) Tj ET Q q 0 0 0 rg BT 525.63 254.90 Td (reasury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 242.90 Td (shares were used to settle vestings from 2016 to 2018, and for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 230.90 Td (the first quarter of 2019, except where local laws favor newly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 218.90 Td (issued shares. ) Tj ET Q q 0 0 0 rg BT 381.31 218.90 Td (The use of treasury stock or newly issued shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 206.90 Td (to settle stock awards does not af) Tj ET Q q 0 0 0 rg BT 456.01 206.90 Td (fect the compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 194.90 Td (expense recorded in the Consolidated Statement of Income for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 182.90 Td (equity awards.) Tj ET Q endstream endobj 311 0 obj <> endobj 312 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 /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 incentive compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (programs described above:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 688.60 144.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 688.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 688.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 688.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 633.60 144.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 633.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 633.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 633.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 587.60 144.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 587.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 587.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 587.60 36.00 -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 36.5 688.6 m 180.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 688.6 m 216.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 688.6 m 252.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 688.6 m 288.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 688.6 m 216.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 688.6 m 252.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 688.6 m 288.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 564.6 m 180.5 564.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 550.6 m 180.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 564.6 m 216.5 564.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 550.6 m 216.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 564.6 m 252.5 564.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 550.6 m 252.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 564.6 m 288.5 564.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 550.6 m 288.5 550.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 692.85 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.00 693.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 693.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.00 693.06 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 679.06 Td (Char) Tj ET Q q 0 0 0 rg BT 56.41 679.06 Td (ges for estimated awards to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 670.06 Td (retirement-eligible employees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 670.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.50 670.05 Td (669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.00 670.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.50 670.06 Td (659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.00 670.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 670.06 Td (555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 656.06 Td (Amortization of deferred cash) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 647.06 Td (awards, deferred cash stock units and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 638.06 Td (performance stock units) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.50 638.05 Td (202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.50 638.06 Td (354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 638.06 Td (336) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 624.06 Td (Immediately vested stock award ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 615.06 Td (expense) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 67.99 619.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 615.05 Td (75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.00 615.06 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 615.06 Td (73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 601.06 Td (Amortization of restricted and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 592.06 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 117.96 596.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.50 592.05 Td (435) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.50 592.06 Td (474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 592.06 Td (509) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 578.06 Td (Other variable incentive) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 569.06 Td (compensation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.50 569.05 Td (640) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.50 569.06 Td (694) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 569.06 Td (710) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 555.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 555.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 555.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 555.05 Td (2,021) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.00 555.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 555.06 Td (2,251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.00 555.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 555.06 Td (2,183) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 533.50 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 533.50 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 54.00 523.90 Td (were stock payments in lieu of cash compensation. ) Tj ET Q q 0 0 0 rg BT 218.48 523.90 Td (The expense is ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 514.30 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 54.00 504.70 Td (grant.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 495.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 495.10 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 54.00 485.50 Td (retirement-eligible employees. ) 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 31.60 Td (156) 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 various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (defined benefit pension and termination indemnity plans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (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 (, no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (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 plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (participants after 2007. However) Tj ET Q q 0 0 0 rg BT 167.22 610.25 Td (, certain employees covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (under the prior final pay plan formula continue to accrue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (benefits. ) Tj ET Q q 0 0 0 rg BT 72.47 586.25 Td (The Company also of) Tj ET Q q 0 0 0 rg BT 158.67 586.25 Td (fers postretirement health care ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (and life insurance benefits to certain eligible U.S. retired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (employees, as well as to certain eligible employees outside the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (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-contributory) Tj ET Q q 0 0 0 rg BT 287.48 538.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (nonqualified pension plans. ) Tj ET Q q 0 0 0 rg BT 148.58 526.25 Td (These plans, which are unfunded, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (provide supplemental defined pension benefits to certain U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 742.10 Td (employees. ) Tj ET Q q 0 0 0 rg BT 376.08 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 385.12 742.10 Td (ith the exception of certain employees covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 730.10 Td (under the prior final pay plan formula, the benefits under these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 718.10 Td (plans were frozen in prior years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 706.10 Td (The plan obligations, plan assets and periodic plan expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 694.10 Td (for the Company) Tj ET Q q 0 0 0 rg BT 399.04 694.10 Td (s most significant pension and postretirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 682.10 Td (benefit plans \(Significant Plans\) are measured and disclosed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 670.10 Td (quarterly) Tj ET Q q 0 0 0 rg BT 363.94 670.10 Td (, instead of annually) Tj ET Q q 0 0 0 rg BT 444.38 670.10 Td (. ) Tj ET Q q 0 0 0 rg BT 449.20 670.10 Td (The Significant Plans captured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 658.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.76 658.10 Td (90%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.09 658.10 Td ( of the Company) Tj ET Q q 0 0 0 rg BT 476.80 658.10 Td (s global pension and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 646.10 Td (postretirement plan obligations as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.08 646.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.66 646.10 Td (. ) Tj ET Q q 0 0 0 rg BT 560.11 646.10 Td (All ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 634.10 Td (other plans \(All Other Plans\) are measured annually with a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 622.10 Td (December 31 measurement date. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.50 598.10 Td (Net \(Benefit\) Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 586.10 Td (The following table summarizes the components of net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 574.10 Td (\(benefit\) expense recognized in the Consolidated Statement of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 562.10 Td (Income for the Company) Tj ET Q q 0 0 0 rg BT 431.53 562.10 Td (s pension and postretirement plans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 550.10 Td (for Significant 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0.9333333333333333 1 rg /GS0 gs 558.50 362.75 33.00 -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 195.5 489.75 m 228.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 489.75 m 261.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 489.75 m 294.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 489.75 m 327.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 489.75 m 360.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 489.75 m 393.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 489.75 m 426.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 489.75 m 459.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 489.75 m 492.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 489.75 m 525.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 489.75 m 558.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 558.5 489.75 m 591.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 474.75 m 228.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 474.75 m 261.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 489.75 m 294.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 474.75 m 294.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 474.75 m 327.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 474.75 m 360.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 489.75 m 393.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 474.75 m 393.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 474.75 m 426.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 474.75 m 459.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 489.75 m 492.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 474.75 m 492.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 474.75 m 525.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 474.75 m 558.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 558.5 474.75 m 591.5 474.75 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 195.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 460.75 m 228.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 460.75 m 261.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 474.75 m 294.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 460.75 m 294.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 460.75 m 327.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 460.75 m 360.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 474.75 m 393.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 460.75 m 393.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 460.75 m 426.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 460.75 m 459.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 474.75 m 492.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 460.75 m 492.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 460.75 m 525.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 460.75 m 558.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 558.5 460.75 m 591.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 460.75 m 294.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 460.75 m 393.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 460.75 m 492.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 446.75 m 294.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 446.75 m 393.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 446.75 m 492.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 432.75 m 294.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 432.75 m 393.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 432.75 m 492.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 418.75 m 294.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 418.75 m 393.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 418.75 m 492.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 404.75 m 294.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 404.75 m 393.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 404.75 m 492.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 390.75 m 294.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 390.75 m 393.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 390.75 m 492.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 376.75 m 294.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 376.75 m 393.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 376.75 m 492.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 362.75 m 294.5 348.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 362.75 m 393.5 348.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 362.75 m 492.5 348.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 348.75 m 492.5 348.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 348.75 m 195.5 348.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 332.75 m 195.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 348.75 m 228.5 348.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 332.75 m 228.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 348.75 m 261.5 348.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 332.75 m 261.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 348.75 m 294.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 348.75 m 294.5 348.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 332.75 m 294.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 348.75 m 327.5 348.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 332.75 m 327.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 348.75 m 360.5 348.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 332.75 m 360.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 348.75 m 393.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 348.75 m 393.5 348.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 332.75 m 393.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 348.75 m 426.5 348.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 332.75 m 426.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 348.75 m 459.5 348.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 332.75 m 459.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 348.75 m 492.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 348.75 m 492.5 348.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 332.75 m 492.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 348.75 m 525.5 348.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 332.75 m 525.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 348.75 m 558.5 348.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 332.75 m 558.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 558.5 348.75 m 591.5 348.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 558.5 332.75 m 591.5 332.75 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 267.60 494.20 Td (Pensionplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.65 494.20 Td (Postr) Tj ET Q q 0 0 0 rg BT 458.06 494.20 Td (etir) Tj ET Q q 0 0 0 rg BT 471.38 494.20 Td (ementbenefitplans) 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 225.10 479.20 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.60 479.20 Td (Non-U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.10 479.20 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.60 479.20 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 202.50 465.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.50 465.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 465.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.50 465.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 465.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 465.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.50 465.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 465.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 465.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 465.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 465.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 465.21 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 451.21 Td (Benefits earned during the year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.00 451.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 451.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.00 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.50 451.21 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.00 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 451.21 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.00 451.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 451.20 Td (146) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.50 451.21 Td (153) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 451.21 Td (154) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 451.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 451.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 451.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 451.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.50 451.20 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 451.21 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.00 451.21 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 437.21 Td (Interest cost on benefit obligation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.50 437.20 Td (514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.50 437.21 Td (533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.50 437.21 Td (548) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 437.20 Td (292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.50 437.21 Td (295) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 437.21 Td (282) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 437.20 Td (26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.00 437.21 Td (26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 437.21 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 437.20 Td (102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 437.21 Td (101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.00 437.21 Td (94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 423.21 Td (Expected return on plan assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.50 423.20 Td (\(844) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.00 423.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.50 423.21 Td (\(865) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 423.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.50 423.21 Td (\(886) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 423.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.50 423.20 Td (\(291) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 423.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 423.21 Td (\(299) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 423.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 423.21 Td (\(287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.00 423.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 423.20 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 423.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 423.21 Td (\(6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 423.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 423.21 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 423.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.00 423.20 Td (\(88) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.00 423.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 423.21 Td (\(89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 423.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 576.00 423.21 Td (\(86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 588.00 423.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 409.21 Td (Amortization of unrecognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.00 409.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 409.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 409.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 409.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 409.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.00 409.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 409.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 409.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 409.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.00 409.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 409.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 588.00 409.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 395.21 Td (Prior service cost \(benefit\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 395.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.50 395.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 395.21 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 395.20 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 395.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.50 395.21 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 395.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.50 395.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.00 395.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 395.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.00 395.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 395.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.00 395.20 Td (\(10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.00 395.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 395.21 Td (\(10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 395.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 576.00 395.21 Td (\(10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 588.00 395.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 381.21 Td (Net actuarial loss \(gain\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.50 381.20 Td (165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.50 381.21 Td (173) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.50 381.21 Td (169) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.00 381.20 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.00 381.21 Td (61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 381.21 Td (69) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 381.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 381.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.00 381.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 381.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 381.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 381.20 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 381.21 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.00 381.21 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 367.21 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 121.99 371.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 367.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.50 367.21 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.00 367.21 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 367.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 367.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.00 367.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.50 367.21 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.00 367.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 367.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.00 367.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 367.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 367.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 367.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.00 367.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 353.21 Td (Settlement loss) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 93.75 357.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.00 353.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.00 353.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.00 353.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.50 353.20 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.00 353.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 353.21 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 353.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.00 353.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 353.21 Td () 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 546.00 353.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.00 353.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 337.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 337.20 Td (otal net \(benefit\) expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.00 337.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.50 337.20 Td (\(161) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.00 337.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.00 337.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.50 337.21 Td (\(148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 337.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.00 337.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.50 337.21 Td (\(150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 337.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.00 337.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 337.20 Td (202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 337.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.50 337.21 Td (219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 337.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 337.21 Td (221) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 337.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 337.20 Td (1) Tj ET Q q 0 0 0 rg BT 418.50 337.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 337.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.00 337.21 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 337.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 337.21 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 337.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 337.20 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 337.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 337.21 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 337.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.00 337.21 Td (38) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 314.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 314.65 Td (Losses and gains due to curtailment and settlement relate to repositioning and divestiture actions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 293.05 Td (Contributions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.05 Td (The Company) Tj ET Q q 0 0 0 rg BT 95.71 281.05 Td (s funding practice for U.S. and non-U.S. pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.05 Td (and postretirement plans is generally to fund to minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.05 Td (funding requirements in accordance with applicable local laws ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.05 Td (and regulations. ) Tj ET Q q 0 0 0 rg BT 102.19 245.05 Td (The Company may increase its contributions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.05 Td (above the minimum required contribution, if appropriate. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.05 Td (addition, management has the ability to change its funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.05 Td (practices. For the U.S. pension plans, there were no required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.05 Td (minimum cash contributions for 2018 or 2017. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 281.05 Td (The following table summarizes the actual Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 269.05 Td (contributions for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.63 269.05 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.21 269.05 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.65 269.05 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 580.65 269.05 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 257.05 Td (as well as estimated expected Company contributions for 2019. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 245.05 Td (Expected contributions are subject to change, since contribution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 233.05 Td (decisions are af) Tj ET Q q 0 0 0 rg BT 390.51 233.05 Td (fected by various factors, such as market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 221.05 Td (performance, tax considerations and regulatory requirements.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 144.55 199.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 144.55 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 144.55 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 144.55 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 144.55 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 144.55 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 144.55 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 144.55 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 144.55 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 144.55 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 144.55 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 144.55 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 554.50 144.55 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 235.5 172.54999999999995 m 264.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 172.54999999999995 m 293.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 172.54999999999995 m 322.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 172.54999999999995 m 351.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 172.54999999999995 m 380.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 172.54999999999995 m 409.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 172.54999999999995 m 264.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 158.54999999999995 m 264.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 172.54999999999995 m 293.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 158.54999999999995 m 293.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 172.54999999999995 m 322.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 172.54999999999995 m 322.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 158.54999999999995 m 322.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 172.54999999999995 m 351.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 158.54999999999995 m 351.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 172.54999999999995 m 380.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 158.54999999999995 m 380.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 172.54999999999995 m 409.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 158.54999999999995 m 409.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 172.54999999999995 m 409.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 172.54999999999995 m 438.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 158.54999999999995 m 438.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 172.54999999999995 m 467.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 158.54999999999995 m 467.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 172.54999999999995 m 496.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 172.54999999999995 m 496.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 158.54999999999995 m 496.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 172.54999999999995 m 525.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 158.54999999999995 m 525.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 172.54999999999995 m 554.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 158.54999999999995 m 554.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 554.5 172.54999999999995 m 583.5 172.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 554.5 158.54999999999995 m 583.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 144.54999999999995 m 235.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 144.54999999999995 m 264.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 158.54999999999995 m 293.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 144.54999999999995 m 293.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 158.54999999999995 m 322.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 158.54999999999995 m 322.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 144.54999999999995 m 322.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 158.54999999999995 m 351.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 144.54999999999995 m 351.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 158.54999999999995 m 380.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 144.54999999999995 m 380.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 158.54999999999995 m 409.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 144.54999999999995 m 409.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 158.54999999999995 m 409.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 158.54999999999995 m 438.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 144.54999999999995 m 438.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 144.54999999999995 m 467.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 158.54999999999995 m 496.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 158.54999999999995 m 496.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 144.54999999999995 m 496.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 144.54999999999995 m 525.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 144.54999999999995 m 554.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 554.5 158.54999999999995 m 583.5 158.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 554.5 144.54999999999995 m 583.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 144.54999999999995 m 264.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 144.54999999999995 m 293.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 144.54999999999995 m 322.5 130.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 144.54999999999995 m 322.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 144.54999999999995 m 351.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 144.54999999999995 m 380.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 144.54999999999995 m 409.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 144.54999999999995 m 409.5 130.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 144.54999999999995 m 496.5 130.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 144.54999999999995 m 496.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 144.54999999999995 m 554.5 144.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 116.54999999999995 m 235.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 116.54999999999995 m 264.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 116.54999999999995 m 293.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 130.54999999999995 m 322.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 116.54999999999995 m 322.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 116.54999999999995 m 351.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 116.54999999999995 m 380.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 116.54999999999995 m 409.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 130.54999999999995 m 409.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 116.54999999999995 m 438.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 116.54999999999995 m 467.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 130.54999999999995 m 496.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 116.54999999999995 m 496.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 116.54999999999995 m 525.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 116.54999999999995 m 554.5 116.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 554.5 116.54999999999995 m 583.5 116.54999999999995 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.20 177.00 Td (Pension plans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 344.97 181.08 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.25 177.00 Td (Postr) Tj ET Q q 0 0 0 rg BT 458.58 177.00 Td (etir) Tj ET Q q 0 0 0 rg BT 471.90 177.00 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 546.90 181.08 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.70 163.00 Td (U.S. plans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 294.47 167.08 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.60 163.00 Td (Non-U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.10 163.00 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.60 163.00 Td (Non-U.S. plans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 148.80 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.50 149.01 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.50 149.00 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 149.01 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.50 149.01 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.50 149.00 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 149.01 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 149.01 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.50 149.00 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 149.01 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 149.01 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.50 149.00 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 149.01 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 135.00 Td (Contributions made by the Company) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.00 135.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 135.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 135.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 135.01 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 135.01 Td (97) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 135.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.50 135.00 Td (140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 135.01 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 135.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 135.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.50 135.00 Td (145) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 135.01 Td (140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 135.01 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 528.00 135.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.50 135.00 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 575.50 135.01 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 121.00 Td (Benefits paid dir) Tj ET Q q 0 0 0 rg BT 102.84 121.00 Td (ectly by the Company) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.00 121.01 Td (57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 121.00 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 121.01 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 121.01 Td (47) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 121.00 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 121.01 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 121.01 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.50 121.00 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 121.01 Td (36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 121.01 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.50 121.00 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 575.50 121.01 Td (5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 97.85 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 97.85 Td (Amounts reported for 2019 are expected amounts. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 88.25 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 88.25 Td (The U.S. pension plans include benefits paid directly by the Company for the nonqualified pension plans. ) 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 31.60 Td (157) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Funded Status and ) Tj ET Q q 0 0 0 rg BT 118.54 742.25 Td (Accumulated Other) Tj ET Q q 0 0 0 rg BT 203.07 742.25 Td ( Compr) Tj ET Q q 0 0 0 rg BT 235.94 742.25 Td (ehensive Income \(AOCI\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 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 547.81 730.25 Td (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:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 651.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 651.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 651.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 651.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 651.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 651.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 651.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 651.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 651.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 623.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 623.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 623.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 623.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 623.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 623.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 623.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 623.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 623.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 595.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 595.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 595.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 595.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 595.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 595.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 595.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 595.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 595.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 558.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 558.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 558.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 558.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 558.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 558.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 558.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 558.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 558.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 530.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 530.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 530.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 530.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 530.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 530.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 530.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 530.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 530.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 502.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 502.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 502.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 502.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 502.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 502.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 502.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 502.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 502.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 474.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 474.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 474.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 474.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 474.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 474.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 474.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 474.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 474.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 446.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 446.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 446.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 446.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 446.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 446.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 446.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 446.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 446.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 409.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 409.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 409.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 409.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 409.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 409.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 409.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 409.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 409.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 381.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 381.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 381.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 381.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 381.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 381.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 381.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 381.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 381.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 353.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 353.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 353.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 353.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 353.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 353.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 353.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 353.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 353.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 325.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 325.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 325.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 325.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 325.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 325.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 325.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 325.75 43.00 -14.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 324.50 271.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 271.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 271.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 271.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 271.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 271.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 243.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 243.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 243.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 243.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 243.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 243.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 243.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 243.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 243.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 215.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 215.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 215.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 215.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 215.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 215.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 215.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 215.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 215.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 187.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 187.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 187.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 187.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 187.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 187.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 187.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 187.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 187.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 159.75 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 159.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 159.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 159.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 159.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 159.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 159.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 159.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 159.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 131.75 202.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 131.75 43.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 131.75 43.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 131.75 43.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 131.75 43.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 131.75 43.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 131.75 43.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 131.75 43.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 131.75 43.00 -6.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 693.75 m 281.5 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 693.75 m 324.5 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 693.75 m 367.5 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 693.75 m 410.5 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 693.75 m 453.5 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 693.75 m 496.5 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 693.75 m 539.5 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 693.75 m 582.5 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 679.75 m 238.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 679.75 m 281.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 693.75 m 324.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 679.75 m 324.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 679.75 m 367.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 693.75 m 410.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 679.75 m 410.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 679.75 m 453.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 693.75 m 496.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 679.75 m 496.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 679.75 m 539.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 679.75 m 582.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 665.75 m 238.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 665.75 m 281.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 679.75 m 324.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 665.75 m 324.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 665.75 m 367.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 679.75 m 410.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 665.75 m 410.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 665.75 m 453.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 679.75 m 496.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 665.75 m 496.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 665.75 m 539.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 665.75 m 582.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 665.75 m 238.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 665.75 m 281.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 665.75 m 324.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 665.75 m 324.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 665.75 m 367.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 665.75 m 410.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 665.75 m 410.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 665.75 m 453.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 665.75 m 496.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 665.75 m 496.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 665.75 m 539.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 665.75 m 582.5 665.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 651.75 m 324.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 651.75 m 410.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 651.75 m 496.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 637.75 m 324.5 623.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 637.75 m 410.5 623.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 637.75 m 496.5 623.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 623.75 m 324.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 623.75 m 410.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 623.75 m 496.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 609.75 m 324.5 595.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 609.75 m 410.5 595.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 609.75 m 496.5 595.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 595.75 m 324.5 581.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 595.75 m 410.5 581.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 595.75 m 496.5 581.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 581.75 m 324.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 581.75 m 410.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 581.75 m 496.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 558.75 m 324.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 558.75 m 410.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 558.75 m 496.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 544.75 m 324.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 544.75 m 410.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 544.75 m 496.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 530.75 m 324.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 530.75 m 410.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 530.75 m 496.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 516.75 m 324.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 516.75 m 410.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 516.75 m 496.5 502.75 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 238.5 502.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 488.75 m 238.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 502.75 m 281.5 502.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 488.75 m 281.5 488.75 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 324.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 502.75 m 324.5 502.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 488.75 m 324.5 488.75 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 367.5 502.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 488.75 m 367.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 502.75 m 410.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 502.75 m 410.5 502.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 488.75 m 410.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 502.75 m 453.5 502.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 488.75 m 453.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 502.75 m 496.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 502.75 m 496.5 502.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 488.75 m 496.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 502.75 m 539.5 502.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 488.75 m 539.5 488.75 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 582.5 502.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 488.75 m 582.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 488.75 m 324.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 488.75 m 410.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 488.75 m 496.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 474.75 m 324.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 474.75 m 410.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 474.75 m 496.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 460.75 m 324.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 460.75 m 410.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 460.75 m 496.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 446.75 m 324.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 446.75 m 410.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 446.75 m 496.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 432.75 m 324.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 432.75 m 410.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 432.75 m 496.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 409.75 m 324.5 395.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 409.75 m 410.5 395.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 409.75 m 496.5 395.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 395.75 m 324.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 395.75 m 410.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 395.75 m 496.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 367.75 m 238.5 367.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 367.75 m 281.5 367.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 381.75 m 324.5 367.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 367.75 m 324.5 367.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 367.75 m 367.5 367.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 381.75 m 410.5 367.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 367.75 m 410.5 367.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 367.75 m 453.5 367.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 381.75 m 496.5 367.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 367.75 m 496.5 367.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 367.75 m 539.5 367.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 367.75 m 582.5 367.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 353.75 m 238.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 353.75 m 281.5 353.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 367.75 m 324.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 353.75 m 324.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 353.75 m 367.5 353.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 367.75 m 410.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 353.75 m 410.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 353.75 m 453.5 353.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 367.75 m 496.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 353.75 m 496.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 353.75 m 539.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 353.75 m 582.5 353.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 353.75 m 324.5 339.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 353.75 m 410.5 339.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 353.75 m 496.5 339.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 339.75 m 324.5 325.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 339.75 m 410.5 325.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 339.75 m 496.5 325.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 311.75 m 238.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 311.75 m 281.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 325.75 m 324.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 311.75 m 324.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 311.75 m 367.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 325.75 m 410.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 311.75 m 410.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 311.75 m 453.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 325.75 m 496.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 311.75 m 496.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 311.75 m 539.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 311.75 m 582.5 311.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 297.75 m 238.5 297.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 297.75 m 281.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 311.75 m 324.5 297.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 297.75 m 324.5 297.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 297.75 m 367.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 311.75 m 410.5 297.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 297.75 m 410.5 297.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 297.75 m 453.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 311.75 m 496.5 297.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 297.75 m 496.5 297.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 297.75 m 539.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 311.75 m 582.5 311.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 297.75 m 582.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 297.75 m 324.5 283.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 297.75 m 410.5 283.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 297.75 m 496.5 283.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 283.75 m 324.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 283.75 m 410.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 283.75 m 496.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 271.75 m 324.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 271.75 m 410.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 271.75 m 496.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 243.75 m 238.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 243.75 m 281.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 257.75 m 324.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 243.75 m 324.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 243.75 m 367.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 257.75 m 410.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 243.75 m 410.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 243.75 m 453.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 257.75 m 496.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 243.75 m 496.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 243.75 m 539.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 243.75 m 582.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 243.75 m 324.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 243.75 m 410.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 243.75 m 496.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 243.75 m 582.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 215.75 m 238.5 215.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 215.75 m 281.5 215.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 229.75 m 324.5 215.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 215.75 m 324.5 215.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 215.75 m 367.5 215.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 229.75 m 410.5 215.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 215.75 m 410.5 215.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 215.75 m 453.5 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3 M 367.5 215.75 m 410.5 215.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 201.75 m 410.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 215.75 m 453.5 215.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 201.75 m 453.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 215.75 m 496.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 215.75 m 496.5 215.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 201.75 m 496.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 215.75 m 539.5 215.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 201.75 m 539.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 215.75 m 582.5 215.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 201.75 m 582.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 201.75 m 410.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 201.75 m 496.5 187.75 l s 0 0 0 RG /GS0 gs 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145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 145.75 m 453.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 159.75 m 496.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 145.75 m 496.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 145.75 m 539.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 145.75 m 582.5 145.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 131.75 m 238.5 131.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 131.75 m 281.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 145.75 m 324.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 145.75 m 324.5 145.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 131.75 m 324.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 145.75 m 367.5 145.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 131.75 m 367.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 145.75 m 410.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 145.75 m 410.5 145.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 131.75 m 410.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 145.75 m 453.5 145.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 131.75 m 453.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 145.75 m 496.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 145.75 m 496.5 145.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 131.75 m 496.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 145.75 m 539.5 145.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 131.75 m 539.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 145.75 m 582.5 145.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 131.75 m 582.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 131.75 m 238.5 131.75 l s 0 0 0 RG /GS0 gs 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125.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 131.75 m 496.5 125.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 131.75 m 496.5 131.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 125.75 m 496.5 125.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 131.75 m 539.5 131.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 125.75 m 539.5 125.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 131.75 m 582.5 131.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 125.75 m 582.5 125.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 125.75 m 238.5 125.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 111.75 m 238.5 111.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 125.75 m 281.5 125.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 111.75 m 281.5 111.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 125.75 m 324.5 111.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 125.75 m 324.5 125.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 111.75 m 324.5 111.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 125.75 m 367.5 125.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 111.75 m 367.5 111.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 125.75 m 410.5 111.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 125.75 m 410.5 125.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 111.75 m 410.5 111.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 125.75 m 453.5 125.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 111.75 m 453.5 111.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 125.75 m 496.5 111.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 125.75 m 496.5 125.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 111.75 m 496.5 111.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 125.75 m 539.5 125.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 111.75 m 539.5 111.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 125.75 m 582.5 125.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 111.75 m 582.5 111.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 698.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.60 698.20 Td (Pensionplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.65 698.20 Td (Postr) Tj ET Q q 0 0 0 rg BT 462.06 698.20 Td (etir) Tj ET Q q 0 0 0 rg BT 475.38 698.20 Td (ement benefitplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.60 684.20 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.10 684.20 Td (Non-U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.60 684.20 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.10 684.20 Td (Non-U.S.plans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 670.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.50 670.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 670.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.50 670.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 670.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.50 670.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.50 670.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 670.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 670.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 656.20 Td (Change in pr) Tj ET Q q 0 0 0 rg BT 89.43 656.20 Td (ojected benefit obligation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 656.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 656.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 656.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 656.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 656.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 656.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.00 656.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.00 656.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 642.21 Td (Projected benefit obligation at beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.00 642.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.85 642.20 Td (14,040) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 642.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 642.21 Td (14,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 642.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.40 642.20 Td (7,433) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 642.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.40 642.21 Td (6,522) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 642.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.15 642.20 Td (699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 642.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.15 642.21 Td (686) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 642.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.40 642.20 Td (1,261) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 642.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.40 642.21 Td (1,141) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 628.21 Td (Benefits earned during the year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.15 628.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.15 628.21 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.15 628.20 Td (146) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.15 628.21 Td (153) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 628.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 628.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 531.15 628.20 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 574.15 628.21 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 614.21 Td (Interest cost on benefit obligation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.15 614.20 Td (514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.15 614.21 Td (533) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.15 614.20 Td (292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.15 614.21 Td (295) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 614.20 Td (26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 614.21 Td (26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.15 614.20 Td (102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.15 614.21 Td (101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 600.21 Td (Plan amendments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.65 600.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 600.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.15 600.20 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.15 600.21 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 600.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 600.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.65 600.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.65 600.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 586.21 Td (Actuarial \(gain\) loss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.40 586.20 Td (\(1,056) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 586.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.15 586.21 Td (536) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.65 586.20 Td (\(99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 586.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.15 586.21 Td (127) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.15 586.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.65 586.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 586.21 Td (43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.15 586.20 Td (\(123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 586.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.65 586.21 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 572.21 Td (Benefits paid, net of participants) Tj ET Q q 0 0 0 rg BT 158.54 572.21 Td ( contributions and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 563.21 Td (government subsidy) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 111.74 567.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.15 563.20 Td (\(845) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 563.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 563.21 Td (\(769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 563.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.15 563.20 Td (\(293) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 563.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.15 563.21 Td (\(278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 563.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.65 563.20 Td (\(62) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.65 563.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.65 563.21 Td (\(56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.65 563.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.65 563.20 Td (\(68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 563.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.65 563.21 Td (\(64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 578.65 563.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 549.21 Td (Divestitures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.65 549.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 549.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.65 549.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.65 549.21 Td (\(29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 549.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 549.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 549.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.65 549.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.15 549.21 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 578.65 549.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 535.21 Td (Settlement gain) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 95.24 539.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.65 535.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 535.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.15 535.20 Td (\(121) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 535.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.15 535.21 Td (\(192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 535.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 535.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 535.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.65 535.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.65 535.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 521.21 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 121.99 525.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.15 521.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.15 521.21 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.15 521.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 521.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.15 521.21 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 521.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 521.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 521.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.65 521.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.65 521.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 507.21 Td (Foreign exchange impact and other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 165.95 511.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.65 507.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 507.21 Td (\(269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 507.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.15 507.20 Td (\(215) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 507.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.15 507.21 Td (834) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 507.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 507.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.65 507.20 Td (\(22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 507.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.65 507.21 Td (59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 493.20 Td (Pr) Tj ET Q q 0 0 0 rg BT 48.41 493.20 Td (ojected benefit obligation at year) Tj ET Q q 0 0 0 rg BT 174.22 493.20 Td ( end) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.00 493.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.85 493.20 Td (12,655) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 493.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 493.21 Td (14,040) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 493.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.40 493.20 Td (7,149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 493.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.40 493.21 Td (7,433) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 493.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.15 493.20 Td (662) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 493.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.15 493.21 Td (699) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 493.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.40 493.20 Td (1,159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 493.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.40 493.21 Td (1,261) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 479.20 Td (Change in plan assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 479.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 479.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 479.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 479.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 479.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 479.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.00 479.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.00 479.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 465.21 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 241.00 465.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.85 465.20 Td (12,725) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 465.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 465.21 Td (12,363) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 465.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.40 465.20 Td (7,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 465.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.40 465.21 Td (6,149) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 465.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.15 465.20 Td (262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 465.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.15 465.21 Td (129) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 465.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.40 465.20 Td (1,1) Tj ET Q q 0 0 0 rg BT 526.65 465.20 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 465.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.40 465.21 Td (1,015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 451.21 Td (Actual return on plan assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.15 451.20 Td (\(445) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 451.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.40 451.21 Td (1,295) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.65 451.20 Td (\(1) Tj ET Q q 0 0 0 rg BT 359.15 451.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 451.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.15 451.21 Td (462) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.15 451.20 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.65 451.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 451.21 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.65 451.20 Td (\(26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 451.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.15 451.21 Td (1) Tj ET Q q 0 0 0 rg BT 569.65 451.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 437.21 Td (Company contributions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.65 437.20 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.15 437.21 Td (105) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.15 437.20 Td (182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.15 437.21 Td (135) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.15 437.20 Td (150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.15 437.21 Td (176) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 531.15 437.20 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 574.15 437.21 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 423.21 Td (Benefits paid, net of participants) Tj ET Q q 0 0 0 rg BT 158.54 423.21 Td ( contributions and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 414.21 Td (government subsidy) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 111.74 418.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.15 414.20 Td (\(845) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 414.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 414.21 Td (\(769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 414.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.15 414.20 Td (\(293) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 414.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.15 414.21 Td (\(278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 414.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.65 414.20 Td (\(62) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.65 414.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.65 414.21 Td (\(56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.65 414.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.65 414.20 Td (\(68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 414.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.65 414.21 Td (\(64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 578.65 414.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 400.21 Td (Divestitures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.65 400.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 400.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.65 400.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.65 400.21 Td (\(31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 400.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 400.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 400.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.65 400.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.65 400.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 386.21 Td (Settlement) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 77.49 390.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.65 386.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 386.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.15 386.20 Td (\(121) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 386.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.15 386.21 Td (\(192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 386.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 386.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 386.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.65 386.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.65 386.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 372.21 Td (Foreign exchange impact and other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 165.95 376.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.65 372.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 372.21 Td (\(269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 372.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.15 372.20 Td (\(186) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 372.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.15 372.21 Td (883) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 372.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 372.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 531.15 372.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.65 372.21 Td (46) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 358.20 Td (Plan assets at fair) Tj ET Q q 0 0 0 rg BT 106.66 358.20 Td ( value at year) Tj ET Q q 0 0 0 rg BT 158.23 358.20 Td ( end) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.00 358.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.85 358.20 Td (1) Tj ET Q q 0 0 0 rg BT 257.35 358.20 Td (1,490) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 358.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 358.21 Td (12,725) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 358.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.40 358.20 Td (6,699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 358.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.40 358.21 Td (7,128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 358.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.15 358.20 Td (345) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 358.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.15 358.21 Td (262) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 358.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.40 358.20 Td (1,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 358.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.40 358.21 Td (1,1) Tj ET Q q 0 0 0 rg BT 569.65 358.21 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 344.20 Td (Funded status of the plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 330.20 Td (Qualified plans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 97.77 334.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.00 330.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.15 330.20 Td (\(483) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 330.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 330.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 330.21 Td (\(565) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 330.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 330.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.15 330.20 Td (\(450) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 330.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 330.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.15 330.21 Td (\(305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 330.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 330.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.15 330.20 Td (\(317) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.65 330.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 330.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.15 330.21 Td (\(437) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.65 330.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 330.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.15 330.20 Td (\(123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 330.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 330.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.15 330.21 Td (\(142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 578.65 330.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 316.20 Td (Nonqualified plans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 111.78 320.28 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.15 316.20 Td (\(682) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 316.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 316.21 Td (\(750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 316.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.65 316.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.65 316.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 316.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 316.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.65 316.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.65 316.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 302.20 Td (Funded status of the plans at year) Tj ET Q q 0 0 0 rg BT 168.93 302.20 Td ( end) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.00 302.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.40 302.20 Td (\(1,165) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 302.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 302.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.40 302.21 Td (\(1,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 302.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 302.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.15 302.20 Td (\(450) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 302.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 302.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.15 302.21 Td (\(305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 302.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 302.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.15 302.20 Td (\(317) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.65 302.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 302.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.15 302.21 Td (\(437) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.65 302.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 302.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.15 302.20 Td (\(123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 302.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 302.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.15 302.21 Td (\(142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 578.65 302.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 288.20 Td (Net amount r) Tj ET Q q 0 0 0 rg BT 90.41 288.20 Td (ecognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 288.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 288.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 288.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 288.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 288.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 288.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.00 288.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.00 288.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 275.15 Td (Qualified plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 262.21 Td (Benefit asset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.00 262.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.65 262.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 262.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 262.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.15 262.20 Td (806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.15 262.21 Td (900) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 262.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 262.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 262.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 262.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.15 262.20 Td (175) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.15 262.21 Td (181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 248.21 Td (Benefit liability) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.15 248.20 Td (\(483) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 248.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 248.21 Td (\(565) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 248.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.40 248.20 Td (\(1,256) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 248.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.40 248.21 Td (\(1,205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 248.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.15 248.20 Td (\(317) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.65 248.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.15 248.21 Td (\(437) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.65 248.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.15 248.20 Td (\(298) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 248.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.15 248.21 Td (\(323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 578.65 248.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 234.20 Td (Qualified plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.00 234.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.15 234.20 Td (\(483) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 234.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 234.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 234.21 Td (\(565) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 234.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 234.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.15 234.20 Td (\(450) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 234.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 234.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.15 234.21 Td (\(305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 234.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 234.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.15 234.20 Td (\(317) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.65 234.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 234.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.15 234.21 Td (\(437) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.65 234.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 234.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.15 234.20 Td (\(123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 234.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 234.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.15 234.21 Td (\(142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 578.65 234.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 220.20 Td (Nonqualified plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.15 220.20 Td (\(682) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 220.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 220.21 Td (\(750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 220.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.65 220.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.65 220.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 220.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 220.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.65 220.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.65 220.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 206.20 Td (Net amount r) Tj ET Q q 0 0 0 rg BT 90.41 206.20 Td (ecognized on the balance sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.00 206.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.40 206.20 Td (\(1,165) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 206.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 206.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.40 206.21 Td (\(1,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 206.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 206.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.15 206.20 Td (\(450) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 206.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 206.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.15 206.21 Td (\(305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 206.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 206.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.15 206.20 Td (\(317) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.65 206.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 206.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.15 206.21 Td (\(437) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.65 206.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 206.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.15 206.20 Td (\(123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 206.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 206.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.15 206.21 Td (\(142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 578.65 206.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 192.20 Td (Amounts r) Tj ET Q q 0 0 0 rg BT 80.17 192.20 Td (ecognized in ) Tj ET Q q 0 0 0 rg BT 129.34 192.20 Td (AOCI) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 192.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 192.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.00 192.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.00 192.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 178.21 Td (Net transition obligation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.00 178.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.65 178.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 178.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 178.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 178.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.15 178.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 178.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 178.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.15 178.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 178.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 178.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 178.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 178.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 178.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 178.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.65 178.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 178.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.65 178.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 164.21 Td (Prior service benefit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.65 164.20 Td (\(13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 164.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.65 164.21 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 164.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.65 164.20 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.65 164.21 Td (22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 164.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 164.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.65 164.20 Td (83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.65 164.21 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 150.21 Td (Net actuarial \(loss\) gain) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.40 150.20 Td (\(6,892) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 150.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.40 150.21 Td (\(6,823) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 150.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.40 150.20 Td (\(1,420) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 150.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.40 150.21 Td (\(1,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 150.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 150.20 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 150.21 Td (72) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.15 150.20 Td (\(340) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 150.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.15 150.21 Td (\(382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 578.65 150.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 136.20 Td (Net amount r) Tj ET Q q 0 0 0 rg BT 90.33 136.20 Td (ecognized in equity \(pr) Tj ET Q q 0 0 0 rg BT 177.91 136.20 Td (etax\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.00 136.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.40 136.20 Td (\(6,905) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.65 136.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 136.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.40 136.21 Td (\(6,838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 136.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 136.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.40 136.20 Td (\(1,409) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.65 136.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 136.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.40 136.21 Td (\(1,297) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.65 136.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 136.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.65 136.20 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 136.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.65 136.21 Td (72) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 136.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.15 136.20 Td (\(257) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 136.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 136.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.15 136.21 Td (\(290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 578.65 136.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 117.15 Td (Accumulated benefit obligation at year) Tj ET Q q 0 0 0 rg BT 188.32 117.15 Td ( end) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.00 116.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.85 116.20 Td (12,646) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 116.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 116.21 Td (14,034) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 116.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.40 116.20 Td (6,720) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 116.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.40 116.21 Td (7,038) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 116.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.15 116.20 Td (662) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 116.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.15 116.21 Td (699) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 116.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.40 116.20 Td (1,159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 116.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.40 116.21 Td (1,261) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 93.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 93.05 Td (U.S. Postretirement benefit plans was net of Employer Group ) Tj ET Q q 0 0 0 rg BT 252.70 93.05 Td (W) Tj ET Q q 0 0 0 rg BT 259.61 93.05 Td (aiver Plan subsidy of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.94 93.05 Td ($15 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 366.05 93.05 Td ( in 2018 and 2017.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 83.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 83.45 Td (Curtailment and settlement \(gains\) losses relate to repositioning and divestiture activities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 73.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 73.85 Td (W) Tj ET Q q 0 0 0 rg BT 61.23 73.85 Td (ith respect to the U.S. Plan, de-risking activities during 2017 resulted in a reduction to plan obligations and assets.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 64.25 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 64.25 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 64.25 Td (Act \(ERISA\) funding rulesas of January1, 2019 and no ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 54.65 Td (minimum required funding is expected for 2019.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 45.05 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 45.05 Td (The nonqualified plans of the Company are unfunded.) 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 31.60 Td (158) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (The following table shows the change in ) Tj ET Q q 0 0 0 rg BT 200.13 742.10 Td (AOCI) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 224.57 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.07 742.10 Td (related to the Company) Tj ET Q q 0 0 0 rg BT 323.44 742.10 Td (s pension, postretirement and post employment plans:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 694.60 326.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 694.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 694.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 694.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 666.60 326.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 666.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 666.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 666.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 638.60 326.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 638.60 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 638.60 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 638.60 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 609.60 326.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 609.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 609.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 609.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 581.60 326.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 581.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 581.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 581.60 74.00 -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 36.5 708.6 m 362.5 708.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 708.6 m 436.5 708.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 708.6 m 510.5 708.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 708.6 m 584.5 708.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 581.6 m 510.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 581.6 m 584.5 581.6 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 362.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 581.6 m 436.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 567.6 m 436.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 581.6 m 510.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 567.6 m 510.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 581.6 m 584.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 567.6 m 584.5 567.6 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 362.5 567.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 553.6 m 362.5 553.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 567.6 m 436.5 567.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 553.6 m 436.5 553.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 567.6 m 510.5 567.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 553.6 m 510.5 553.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 567.6 m 584.5 567.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 553.6 m 584.5 553.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 712.85 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 713.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 713.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 713.06 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 699.05 Td (Beginning of year) Tj ET Q q 0 0 0 rg BT 106.84 699.05 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 179.08 703.13 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 699.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.75 699.05 Td (\(6,183) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 699.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 699.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 699.06 Td (\(5,164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 699.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 699.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.75 699.06 Td (\(5,1) Tj ET Q q 0 0 0 rg BT 572.00 699.06 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.00 699.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 685.06 Td (Actuarial assumptions changes and plan experience) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.75 685.05 Td (1,288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.50 685.06 Td (\(760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 685.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 685.06 Td (\(854) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.00 685.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 671.06 Td (Net asset \(loss\) gain due to dif) Tj ET Q q 0 0 0 rg BT 148.40 671.06 Td (ference between actual and expected returns) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.75 671.05 Td (\(1,732) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 671.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 671.06 Td (625) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 671.06 Td (400) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 657.06 Td (Net amortization) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.50 657.05 Td (214) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 657.06 Td (229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 657.06 Td (232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 643.06 Td (Prior service \(cost\) credit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.50 643.05 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 643.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 643.06 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 643.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 643.06 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 628.06 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 139.23 632.14 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.50 628.05 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 628.06 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 628.06 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 614.06 Td (Foreign exchange impact and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.50 614.05 Td (136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 614.06 Td (\(93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 614.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 614.06 Td (99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 600.06 Td (Impact of ) Tj ET Q q 0 0 0 rg BT 75.82 600.06 Td (T) Tj ET Q q 0 0 0 rg BT 80.69 600.06 Td (ax Reform) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 118.93 604.14 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 600.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 600.06 Td (\(1,020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 600.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 600.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 586.06 Td (Change in deferred taxes, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 586.05 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 586.06 Td (\(13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 586.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 586.06 Td (30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 572.05 Td (Change, net of tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 572.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.00 572.05 Td (\(74) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 572.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 572.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 572.06 Td (\(1,019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 572.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 572.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.00 572.06 Td (\(48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.00 572.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 558.05 Td (End of year) Tj ET Q q 0 0 0 rg BT 83.84 558.05 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 156.08 562.13 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 558.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.75 558.05 Td (\(6,257) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 558.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 558.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 558.06 Td (\(6,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 558.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 558.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.75 558.06 Td (\(5,164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.00 558.06 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 535.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 535.50 Td (See Note 19 to the Consolidated Financial Statements for further discussion of net ) Tj ET Q q 0 0 0 rg BT 318.62 535.50 Td (AOCI balance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 525.90 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 525.90 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 36.00 516.30 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 516.30 Td (Curtailment and settlement relate to repositioning and divestiture activities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 506.70 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 506.70 Td (In the fourth quarter of 2017, Citi adopted ) Tj ET Q q 0 0 0 rg BT 190.19 506.70 Td (ASU 2018-02, which transferred these amounts from ) Tj ET Q q 0 0 0 rg BT 361.71 506.70 Td (AOCI to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 391.49 506.70 Td (Retained earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.92 506.70 Td (. See Note 1 to the Consolidated ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 497.10 Td (Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 475.50 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.50 475.50 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.08 475.50 Td ( and 2017, the aggregate projected benefit obligation \(PBO\), the aggregate accumulated benefit obligation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 463.50 Td (\(ABO\) and the aggregate fair value of plan assets are presented for all defined benefit pension plans with a PBO in excess of plan assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 451.50 Td (and for all defined benefit pension plans with an ) Tj ET Q q 0 0 0 rg BT 231.22 451.50 Td (ABO in excess of plan assets as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 396.00 136.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 172.50 396.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 224.50 396.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 396.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 396.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 396.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 396.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 396.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 396.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 366.00 136.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 172.50 366.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 224.50 366.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 366.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 366.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 366.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 366.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 366.00 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 366.00 52.00 -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 172.5 426 m 224.5 426 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 426 m 276.5 426 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 426 m 328.5 426 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 426 m 380.5 426 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 426 m 432.5 426 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 426 m 484.5 426 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 426 m 536.5 426 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 426 m 588.5 426 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 411 m 224.5 411 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 426 m 276.5 411 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 411 m 276.5 411 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 411 m 328.5 411 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 426 m 380.5 411 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 411 m 380.5 411 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 411 m 432.5 411 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 426 m 484.5 411 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 411 m 484.5 411 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 411 m 536.5 411 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 411 m 588.5 411 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 396 m 172.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 411 m 224.5 411 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 396 m 224.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 411 m 276.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 411 m 276.5 411 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 396 m 276.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 396 m 328.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 411 m 380.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 396 m 380.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 396 m 432.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 411 m 484.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 396 m 484.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 396 m 536.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 396 m 588.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 396 m 276.5 381 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 396 m 276.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 396 m 328.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 396 m 380.5 381 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 396 m 380.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 396 m 432.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 396 m 484.5 381 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 396 m 484.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 396 m 536.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 396 m 588.5 396 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 381 m 276.5 366 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 381 m 380.5 366 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 381 m 484.5 366 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 351 m 172.5 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 351 m 224.5 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 366 m 276.5 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 351 m 276.5 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 351 m 328.5 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 366 m 380.5 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 351 m 380.5 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 351 m 432.5 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 366 m 484.5 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 351 m 484.5 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 351 m 536.5 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 351 m 588.5 351 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 430.45 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 205.05 430.45 Td (PBOexceedsfair) Tj ET Q q 0 0 0 rg BT 270.95 430.45 Td (valueofplanassets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.55 430.45 Td (ABOexceedsfair) Tj ET Q q 0 0 0 rg BT 479.45 430.45 Td (value ofplanassets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 415.45 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.20 415.45 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 239.97 419.53 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.10 415.45 Td (Non-U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.20 415.45 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 447.97 419.53 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.10 415.45 Td (Non-U.S.plans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 400.25 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.00 400.45 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 400.46 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.00 400.45 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 400.46 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 400.45 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 400.46 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.00 400.45 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.00 400.46 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 385.46 Td (Projected benefit obligation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.00 385.45 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.25 385.45 Td (12,655) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 385.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.25 385.46 Td (14,040) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 385.45 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.75 385.45 Td (3,904) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 385.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 385.46 Td (2,721) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 385.45 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.25 385.45 Td (12,655) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 385.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.25 385.46 Td (14,040) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 385.45 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 385.45 Td (3,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 385.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.75 385.46 Td (2,596) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 370.46 Td (Accumulated benefit obligation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.25 370.45 Td (12,646) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.25 370.46 Td (14,034) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.75 370.45 Td (3,528) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 370.46 Td (2,381) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.25 370.45 Td (12,646) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.25 370.46 Td (14,034) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 370.45 Td (3,387) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.75 370.46 Td (2,296) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 355.46 Td (Fair value of plan assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.25 355.45 Td (1) Tj ET Q q 0 0 0 rg BT 200.75 355.45 Td (1,490) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.25 355.46 Td (12,725) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.75 355.45 Td (2,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 355.46 Td (1,516) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.25 355.45 Td (1) Tj ET Q q 0 0 0 rg BT 408.75 355.45 Td (1,490) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.25 355.46 Td (12,725) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 355.45 Td (2,478) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.75 355.46 Td (1,407) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 333.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 333.90 Td (At ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 64.00 333.90 Td (December31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 126.87 333.90 Td ( and 2017, 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 461.45 333.90 Td (ABO exceeded plan assets. ) 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 31.60 Td (159) 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 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (\(benefit\) expense. Changes in the plans) Tj ET Q q 0 0 0 rg BT 195.76 682.25 Td ( funded status resulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (from changes in the PBO and fair value of plan assets will have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (a corresponding impact on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 144.86 658.25 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 248.35 658.25 Td (ehensive ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.60 646.25 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 year) Tj ET Q q 0 0 0 rg BT 279.31 622.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 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 plans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (are used to calculate the net periodic \(benefit\) expense for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (subsequent year) Tj ET Q q 0 0 0 rg BT 100.52 562.25 Td () Tj ET Q q 0 0 0 rg BT 103.29 562.25 Td (s first quarter) Tj ET Q q 0 0 0 rg BT 156.06 562.25 Td (. ) Tj ET Q q 0 0 0 rg BT 163.01 562.25 Td (As a result of the quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (measurement process, the net periodic \(benefit\) expense for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (Significant Plans is calculated at each respective quarter end ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (based on the preceding quarter) Tj ET Q q 0 0 0 rg BT 158.52 526.25 Td (-end rates \(as shown below for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (the U.S. and non-U.S. pension and postretirement plans\). ) Tj ET Q q 0 0 0 rg BT 266.62 514.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (actuarial assumptions for ) Tj ET Q q 0 0 0 rg BT 138.48 502.25 Td (All Other Plans are measured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (annually) Tj ET Q q 0 0 0 rg BT 69.78 490.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 478.25 Td (Certain assumptions used in determining pension and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 Td (postretirement benefit obligations and net benefit expense for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.25 Td (the Company) Tj ET Q q 0 0 0 rg BT 92.38 454.25 Td (s plans are shown in the following table:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 429.75 134.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 429.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 429.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 403.75 134.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 403.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 403.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 377.75 134.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 377.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 377.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 351.75 134.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 351.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 351.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 325.75 134.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 325.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 325.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 299.75 134.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 299.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 299.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 273.75 134.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 273.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 273.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 247.75 134.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 247.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 247.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 221.75 134.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 221.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 221.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 195.75 134.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 195.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 195.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 169.75 134.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 169.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 169.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 143.75 134.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 143.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 143.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 117.75 134.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 170.50 117.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 117.75 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 36.5 429.75 m 170.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 429.75 m 230.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 429.75 m 284.5 429.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 104.75 m 170.5 104.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 104.75 m 230.5 104.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 104.75 m 284.5 104.75 l s BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 434.20 Td (Atyearend) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.00 434.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 434.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 421.15 Td (Discount rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 421.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.00 421.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 408.01 Td (U.S. plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 408.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.00 408.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 395.01 Td (Qualified pension) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.00 395.15 Td (4.25%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.35 395.01 Td (3.60%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 382.01 Td (Nonqualified pension) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.10 382.15 Td (4.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.10 382.01 Td (3.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 369.01 Td (Postretirement) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.10 369.15 Td (4.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.10 369.01 Td (3.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 356.01 Td (Non-U.S. pension plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 343.01 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 343.15 Td (0.25 to 12.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.20 343.01 Td (0.00 to 10.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 330.01 Td (W) Tj ET Q q 0 0 0 rg BT 53.13 330.01 Td (eighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.10 330.15 Td (4.47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.10 330.01 Td (4.17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 317.01 Td (Non-U.S. postretirement plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 304.01 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 304.15 Td (1.75 to 10.75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.20 304.01 Td (1.75 to 10.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 291.01 Td (W) Tj ET Q q 0 0 0 rg BT 53.13 291.01 Td (eighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.10 291.15 Td (9.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.10 291.01 Td (8.10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 278.15 Td (Futur) Tj ET Q q 0 0 0 rg BT 61.34 278.15 Td (e compensation incr) Tj ET Q q 0 0 0 rg BT 138.17 278.15 Td (ease rate) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 171.90 282.23 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 265.01 Td (Non-U.S. pension plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 252.01 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 252.15 Td (1.30 to 13.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.20 252.01 Td (1.17 to 13.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 239.01 Td (W) Tj ET Q q 0 0 0 rg BT 53.13 239.01 Td (eighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.10 239.15 Td (3.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.10 239.01 Td (3.08) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 226.15 Td (Expected r) Tj ET Q q 0 0 0 rg BT 80.58 226.15 Td (eturn on assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 213.01 Td (U.S. plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 200.01 Td (Qualified pension) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.10 200.15 Td (6.70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.10 200.01 Td (6.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 187.01 Td (Postretirement) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 97.49 191.09 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 182.95 187.15 Td (6.70/3.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 239.95 187.01 Td (6.80/3.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 174.01 Td (Non-U.S. pension plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 161.01 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.20 161.15 Td (1.00 to 1) Tj ET Q q 0 0 0 rg BT 207.95 161.15 Td (1.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.40 161.01 Td (0.00 to 1) Tj ET Q q 0 0 0 rg BT 264.82 161.01 Td (1.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 148.01 Td (W) Tj ET Q q 0 0 0 rg BT 53.13 148.01 Td (eighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.10 148.15 Td (4.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.10 148.01 Td (4.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 135.01 Td (Non-U.S. postretirement plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 122.01 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.25 122.15 Td (8.00 to 9.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.35 122.01 Td (8.00 to 9.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 109.01 Td (W) Tj ET Q q 0 0 0 rg BT 52.77 109.01 Td (eighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.10 109.15 Td (8.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.10 109.01 Td (8.01) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 86.05 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 86.05 Td (Not material for U.S. plans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 76.45 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 76.45 Td (The expected rate of return for the ) Tj ET Q q 0 0 0 rg BT 165.57 76.45 Td (VEBA) Tj ET Q q 0 0 0 rg BT 186.91 76.45 Td ( ) Tj ET Q q 0 0 0 rg BT 188.77 76.45 Td (T) Tj ET Q q 0 0 0 rg BT 193.37 76.45 Td (rust was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 221.81 76.45 Td (3.00%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.48 76.45 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 734.50 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 734.50 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 734.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.00 734.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 706.50 80.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 706.50 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 706.50 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.00 706.50 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 660.50 80.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 660.50 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 660.50 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.00 660.50 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 623.50 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 623.50 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 623.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.00 623.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 595.50 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 595.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.00 595.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 567.50 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 567.50 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 567.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.00 567.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 539.50 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 539.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.00 539.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 511.50 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 511.50 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 511.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.00 511.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 483.50 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 483.50 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 483.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.00 483.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 445.50 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 445.50 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 445.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.00 445.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 417.50 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 417.50 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 417.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.00 417.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 389.50 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 389.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.00 389.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 361.50 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 361.50 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 361.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.00 361.50 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 329 734.5 m 409 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 734.5 m 471 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471 734.5 m 529 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529 734.5 m 587 734.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329 347.5 m 409 347.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409 347.5 m 471 347.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 471 347.5 m 529 347.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 529 347.5 m 587 347.5 l s BT /F3 9.00 Tf ET q 0 0 0 rg BT 331.50 738.95 Td (Duringtheyear) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.50 738.95 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.50 738.96 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.50 738.96 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 724.95 Td (Discount rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.50 724.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.50 724.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 710.96 Td (U.S. plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.50 710.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.50 710.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 697.76 Td (Qualified pension) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.20 696.95 Td (3.60%/3.95%/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.45 687.95 Td (4.25%/4.30%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 696.96 Td (4.10%/4.05%/) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 687.96 Td (3.80%/3.75%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 696.96 Td (4.40%/3.95%/) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.00 687.96 Td (3.65%/3.55%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 674.76 Td (Nonqualified) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 665.76 Td (pension) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.20 673.95 Td (3.60/3.95/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.45 664.95 Td (4.25/4.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.20 673.96 Td (4.00/3.95/) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.45 664.96 Td (3.75/3.65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.20 673.96 Td (4.35/3.90/) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.45 664.96 Td (3.55/3.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 651.76 Td (Postretirement) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.20 650.95 Td (3.50/3.90/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.45 641.95 Td (4.20/4.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.20 650.96 Td (3.90/3.85/) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.45 641.96 Td (3.60/3.55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.20 650.96 Td (4.20/3.75/) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.45 641.96 Td (3.40/3.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 627.96 Td (Non-U.S. pension plans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 417.50 632.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 613.96 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 613.95 Td (0.00 to 10.75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.70 613.96 Td (0.25 to 72.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.70 613.96 Td (0.25 to 42.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 599.96 Td (W) Tj ET Q q 0 0 0 rg BT 345.63 599.96 Td (eighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.60 599.95 Td (4.17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.60 599.96 Td (4.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.60 599.96 Td (4.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 585.96 Td (Non-U.S. postretirement plans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 441.48 590.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 571.96 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 571.95 Td (1.75 to 10.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.90 571.96 Td (1.75 to 1) Tj ET Q q 0 0 0 rg BT 507.32 571.96 Td (1.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.70 571.96 Td (2.00 to 13.20) Tj ET Q BT /F1 9.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 564.20 64.49 -8.18 re f /GS0 gs q 0 0 0 rg BT 337.50 557.96 Td (W) Tj ET Q q 0 0 0 rg BT 345.27 557.96 Td (eighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.60 557.95 Td (8.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.60 557.96 Td (8.27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.60 557.96 Td (7.90) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 543.95 Td (Futur) Tj ET Q q 0 0 0 rg BT 353.84 543.95 Td (e compensation incr) Tj ET Q q 0 0 0 rg BT 430.67 543.95 Td (ease rate) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 464.40 548.03 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 529.96 Td (Non-U.S. pension plans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 417.50 534.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 515.96 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 515.95 Td (1.17 to 13.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.70 515.96 Td (1.25 to 70.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.70 515.96 Td (1.00 to 40.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 501.96 Td (W) Tj ET Q q 0 0 0 rg BT 345.63 501.96 Td (eighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.60 501.95 Td (3.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.60 501.96 Td (3.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.60 501.96 Td (3.24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 487.95 Td (Expected r) Tj ET Q q 0 0 0 rg BT 373.08 487.95 Td (eturn on assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 473.96 Td (U.S. plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 458.96 Td (Qualified ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 449.96 Td (pension) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 365.50 454.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.45 449.95 Td (6.80/6.70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.60 449.96 Td (6.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.60 449.96 Td (7.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 435.96 Td (Postretirement) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 389.99 440.04 Td (\(3\)\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.35 435.95 Td (6.80/6.70/3.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.60 435.96 Td (6.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.60 435.96 Td (7.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 421.96 Td (Non-U.S. pension plans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 417.50 426.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 407.96 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.70 407.95 Td (0.00 to 1) Tj ET Q q 0 0 0 rg BT 447.45 407.95 Td (1.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.90 407.96 Td (1.00 to 1) Tj ET Q q 0 0 0 rg BT 507.48 407.96 Td (1.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 407.96 Td (1.60 to 1) Tj ET Q q 0 0 0 rg BT 565.48 407.96 Td (1.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 393.96 Td (W) Tj ET Q q 0 0 0 rg BT 345.63 393.96 Td (eighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.60 393.95 Td (4.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.60 393.96 Td (4.55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.60 393.96 Td (4.95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 379.96 Td (Non-U.S. postretirement plans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 441.48 384.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 365.96 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 365.95 Td (8.00 to 9.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.70 365.96 Td (8.00 to 10.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.70 365.96 Td (8.00 to 10.70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 351.96 Td (W) Tj ET Q q 0 0 0 rg BT 345.27 351.96 Td (eighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.60 351.95 Td (8.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.60 351.96 Td (8.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.60 351.96 Td (8.01) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.50 328.80 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 346.50 328.80 Td (Reflects rates utilized to determine the quarterly expense for Significant ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.50 319.20 Td (non-U.S. pension and postretirement plans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.50 309.60 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 346.50 309.60 Td (Not material for U.S. plans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.50 300.00 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 346.50 300.00 Td (The expected rate of return for the U.S. pension and postretirement plans ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.50 290.40 Td (was lowered from ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 406.26 290.40 Td (6.80%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.92 290.40 Td ( to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 437.14 290.40 Td (6.70%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.81 290.40 Td ( ef) Tj ET Q q 0 0 0 rg BT 465.88 290.40 Td (fective in the second quarter of 2018 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.50 280.80 Td (to reflect a change in tar) Tj ET Q q 0 0 0 rg BT 423.87 280.80 Td (get asset allocation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.50 271.20 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 346.50 271.20 Td (In 2017, the ) Tj ET Q q 0 0 0 rg BT 386.79 271.20 Td (VEBA) Tj ET Q q 0 0 0 rg BT 408.13 271.20 Td ( ) Tj ET Q q 0 0 0 rg BT 409.98 271.20 Td (T) Tj ET Q q 0 0 0 rg BT 414.59 271.20 Td (rust was funded with an expected rate of return on ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.50 261.60 Td (assets of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.83 261.60 Td (3.00%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 396.49 261.60 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 31.60 Td (160) 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 postretirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (plans are selected by reference to high-quality corporate bond ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (rates in countries that have developed corporate bond markets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (However) Tj ET Q q 0 0 0 rg BT 72.25 646.10 Td (, where developed corporate bond markets do not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (exist, the discount rates are selected by reference to local ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (government bond rates with a premium added to reflect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (additional risk for corporate bonds in certain countries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (The established rounding convention is to the nearest 5 bps for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (the top five non-U.S. countries, and 25 bps for all other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (countries.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (Expected Rate of Return) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (The Company determines its assumptions for the expected rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (of return on plan assets for its U.S. pension and postretirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (plans using a building block approach, which focuses on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (ranges of anticipated rates of return for each asset class. ) Tj ET Q q 0 0 0 rg BT 261.18 502.10 Td (A) Tj ET Q q 0 0 0 rg BT 267.85 502.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (weighted average range of nominal rates is then determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (based on tar) Tj ET Q q 0 0 0 rg BT 84.13 478.10 Td (get allocations to each asset class. Market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (performance over a number of earlier years is evaluated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (covering a wide range of economic conditions to determine ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (whether there are sound reasons for projecting any past trends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 430.10 Td (The Company considers the expected rate of return to be a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (long-term assessment of return expectations and does not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (anticipate changing this assumption unless there are significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (changes in investment strategy or economic conditions. ) Tj ET Q q 0 0 0 rg BT 260.21 394.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (contrasts with the selection of the discount rate and certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (other assumptions, which are reconsidered annually \(or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (quarterly for the Significant Plans\) in accordance with GAAP) Tj ET Q q 0 0 0 rg BT 281.49 358.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 346.10 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 36.00 334.10 Td (postretirement plans was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.92 334.10 Td (6.70%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.75 334.10 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.97 334.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.55 334.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.05 334.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (6.80%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.83 322.10 Td ( at December 31, 2017 and 2016. ) Tj ET Q q 0 0 0 rg BT 196.89 322.10 Td (The expected return on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (assets reflects the expected annual appreciation of the plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (assets and reduces the Company) Tj ET Q q 0 0 0 rg BT 168.19 298.10 Td (s annual pension expense. ) Tj ET Q q 0 0 0 rg BT 274.37 298.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (expected return on assets is deducted from the sum of service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (cost, interest cost and other components of pension expense to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (arrive at the net pension \(benefit\) expense. Net pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (\(benefit\) expense for the U.S. pension plans for 2018, 2017 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (2016 reflects deductions of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.08 238.10 Td ($844 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.47 238.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.47 238.10 Td ($865 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.86 238.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td ($886 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.39 226.10 Td ( of expected returns, respectively) Tj ET Q q 0 0 0 rg BT 219.18 226.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 742.10 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 328.50 730.10 Td (used in determining the Company) Tj ET Q q 0 0 0 rg BT 466.81 730.10 Td (s pension expense compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 718.10 Td (to the actual rate of return on plan assets during 2018, 2017 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 706.10 Td (2016 for the U.S. pension and postretirement plans:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 681.60 104.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 681.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 681.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.00 681.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 646.60 104.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 646.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 646.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.00 646.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 618.60 104.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 618.60 61.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 618.60 47.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.00 618.60 44.00 -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 329 681.6 m 433 681.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 681.6 m 433 681.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 681.6 m 494 681.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494 681.6 m 541 681.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541 681.6 m 585 681.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329 583.6 m 433 583.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 433 583.6 m 494 583.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 494 583.6 m 541 583.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 541 583.6 m 585 583.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 686.05 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 686.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 686.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 686.06 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 672.06 Td (Expected rate of return) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.50 658.17 Td (U.S. pension and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.50 648.22 Td (postretirement trust) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.95 651.05 Td (6.80%/6.70%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.35 651.06 Td (6.80%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.85 651.06 Td (7.00%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.50 637.06 Td (VEBA) Tj ET Q q 0 0 0 rg BT 367.50 637.06 Td ( trust) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 385.75 641.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.10 637.05 Td (3.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.10 637.06 Td (3.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 637.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 623.06 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 404.71 627.14 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.50 609.17 Td (U.S. pension and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.50 599.22 Td (postretirement trust) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.60 602.05 Td (-3.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.85 602.06 Td (10.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.60 602.06 Td (4.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.50 588.06 Td (VEBA) Tj ET Q q 0 0 0 rg BT 367.50 588.06 Td ( trust) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 385.75 592.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.25 588.05 Td (0.43 to 1.41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 588.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 588.06 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.50 566.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.50 566.50 Td (In December 2017, the ) Tj ET Q q 0 0 0 rg BT 421.66 566.50 Td (VEBA) Tj ET Q q 0 0 0 rg BT 443.00 566.50 Td ( ) Tj ET Q q 0 0 0 rg BT 444.85 566.50 Td (T) Tj ET Q q 0 0 0 rg BT 449.46 566.50 Td (rust was funded for postretirement ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.50 556.90 Td (benefits with an expected rate of return on assets of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.11 556.90 Td (3.00%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.77 556.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.50 547.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.50 547.30 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 346.50 523.30 Td (For the non-U.S. pension plans, pension expense for 2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 511.30 Td (was reduced by the expected return of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.15 511.30 Td ($291 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.54 511.30 Td (, compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 499.30 Td (with the actual return of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.07 499.30 Td ($\(1) Tj ET Q q 0 0 0 rg BT 440.03 499.30 Td (1\) million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.75 499.30 Td (. Pension expense for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 487.30 Td (2017 and 2016 was reduced by expected returns of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.27 487.30 Td ($299 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 475.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.39 475.30 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.83 475.30 Td ($287 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.22 475.30 Td (, respectively) Tj ET Q q 0 0 0 rg BT 480.88 475.30 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 328.50 450.80 Td (Mortality T) Tj ET Q q 0 0 0 rg BT 373.42 450.80 Td (ables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 438.80 Td (At December 31, 2018, the Company maintained the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 426.80 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 328.50 414.80 Td (the Mortality Projection 2018 \(MP-2018\) projection table for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 402.80 Td (the U.S. plans.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 377.30 89.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 377.30 78.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 377.30 78.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 347.30 89.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 347.30 78.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 347.30 78.00 -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 329 377.3 m 418 377.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 377.3 m 496 377.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496 377.3 m 574 377.3 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329 332.3 m 418 332.3 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 418 332.3 m 496 332.3 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496 332.3 m 574 332.3 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 381.75 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.05 381.75 Td (2018) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 462.05 385.83 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.05 381.76 Td (2017) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 540.05 385.84 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 366.75 Td (Mortality) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 366.75 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.50 366.75 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 351.76 Td (Pension) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 351.75 Td (RP-2014/MP-2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.20 351.76 Td (RP-2014/MP-2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 336.76 Td (Postretirement) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 336.75 Td (RP-2014/MP-2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.20 336.76 Td (RP-2014/MP-2017) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.50 316.60 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.50 316.60 Td (The RP-2014 table is the white-collar RP-2014 table. ) Tj ET Q q 0 0 0 rg BT 518.54 316.60 Td (The MP-2018 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.50 307.00 Td (projection scale is projected from 2006, with conver) Tj ET Q q 0 0 0 rg BT 513.41 307.00 Td (gence to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 542.29 307.00 Td (0.75%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 562.95 307.00 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.50 297.40 Td (ultimate rate of annual improvement by 2034.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.50 287.80 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.50 287.80 Td (The RP-2014 table is the white-collar RP-2014 table, ) Tj ET Q q 0 0 0 rg BT 518.54 287.80 Td (The MP-2017 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.50 278.20 Td (projection scale is projected from 2006, with conver) Tj ET Q q 0 0 0 rg BT 513.41 278.20 Td (gence to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 542.29 278.20 Td (0.75%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 562.95 278.20 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 564.95 278.20 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.50 268.60 Td (ultimate rate of annual improvement by 2033.) 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 31.60 Td (161) 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 expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (of a one-percentage-point change in the discount rate:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 677.60 97.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 133.50 677.60 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 186.50 677.60 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 677.60 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 617.60 97.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 133.50 617.60 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 186.50 617.60 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 617.60 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 133.5 692.6 m 186.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 186.5 692.6 m 239.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 692.6 m 292.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 677.6 m 133.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 677.6 m 186.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 186.5 677.6 m 239.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 677.6 m 292.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 186.5 677.6 m 239.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 677.6 m 292.5 677.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 647.6 m 133.5 647.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 647.6 m 186.5 647.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 186.5 647.6 m 239.5 647.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 647.6 m 292.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 632.6 m 186.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 186.5 632.6 m 239.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 632.6 m 292.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 617.6 m 133.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 632.6 m 186.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 617.6 m 186.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 186.5 632.6 m 239.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 186.5 617.6 m 239.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 632.6 m 292.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 617.6 m 292.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 617.6 m 186.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 186.5 617.6 m 239.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 617.6 m 292.5 617.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 587.6 m 133.5 587.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 587.6 m 186.5 587.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 186.5 587.6 m 239.5 587.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 587.6 m 292.5 587.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 697.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 153.80 697.05 Td (One-per) Tj ET Q q 0 0 0 rg BT 185.71 697.05 Td (centage-pointincr) Tj ET Q q 0 0 0 rg BT 255.28 697.05 Td (ease) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 681.85 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 150.50 682.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.50 682.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.50 682.06 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 667.06 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 136.00 667.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.00 667.05 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 189.00 667.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 667.06 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 667.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 667.06 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 652.06 Td (Non-U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 171.00 652.05 Td (\(22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 652.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.00 652.06 Td (\(27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.00 652.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.00 652.06 Td (\(33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.00 652.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 637.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 153.05 637.05 Td (One-per) Tj ET Q q 0 0 0 rg BT 184.96 637.05 Td (centage-pointdecr) Tj ET Q q 0 0 0 rg BT 256.03 637.05 Td (ease) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 621.85 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 150.50 622.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.50 622.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.50 622.06 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 607.06 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 136.00 607.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 171.00 607.05 Td (\(37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 607.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 189.00 607.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.00 607.06 Td (\(44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.00 607.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 607.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.00 607.06 Td (\(47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.00 607.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 592.06 Td (Non-U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.00 592.05 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 592.06 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 592.06 Td (37) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 564.10 Td (Since the U.S. qualified pension plan was frozen, most of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 552.10 Td (the prospective service cost has been eliminated and the gain/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 540.10 Td (loss amortization period was changed to the life expectancy for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 528.10 Td (inactive participants. ) Tj ET Q q 0 0 0 rg BT 121.25 528.10 Td (As a result, pension expense for the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 516.10 Td (qualified pension plan is driven more by interest costs than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 504.10 Td (service costs, and an increase in the discount rate would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 492.10 Td (increase pension expense, while a decrease in the discount rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 480.10 Td (would decrease pension expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 468.10 Td (The following tables summarize the ef) Tj ET Q q 0 0 0 rg BT 207.94 468.10 Td (fect on pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 456.10 Td (expense of a one-percentage-point change in the expected rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 444.10 Td (of return:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 403.60 95.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 130.75 403.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.75 403.60 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.75 403.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 343.60 95.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 130.75 343.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.75 343.60 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.75 343.60 54.00 -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 130.75 418.6 m 184.75 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.75 418.6 m 237.75 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.75 418.6 m 291.75 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 403.6 m 130.75 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 130.75 418.6 m 184.75 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 130.75 403.6 m 184.75 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.75 418.6 m 237.75 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.75 403.6 m 237.75 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.75 418.6 m 291.75 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.75 403.6 m 291.75 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 130.75 403.6 m 184.75 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.75 403.6 m 237.75 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.75 403.6 m 291.75 403.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 373.6 m 130.75 373.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 130.75 373.6 m 184.75 373.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 184.75 373.6 m 237.75 373.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 237.75 373.6 m 291.75 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 130.75 358.6 m 184.75 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.75 358.6 m 237.75 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.75 358.6 m 291.75 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 343.6 m 130.75 343.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 130.75 358.6 m 184.75 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 130.75 343.6 m 184.75 343.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.75 358.6 m 237.75 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.75 343.6 m 237.75 343.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.75 358.6 m 291.75 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.75 343.6 m 291.75 343.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 130.75 343.6 m 184.75 343.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.75 343.6 m 237.75 343.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.75 343.6 m 291.75 343.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 313.6 m 130.75 313.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 130.75 313.6 m 184.75 313.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 184.75 313.6 m 237.75 313.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 237.75 313.6 m 291.75 313.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 423.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 152.05 423.05 Td (One-per) Tj ET Q q 0 0 0 rg BT 183.96 423.05 Td (centage-pointincr) Tj ET Q q 0 0 0 rg BT 253.53 423.05 Td (ease) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.25 407.85 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.25 408.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.75 408.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.25 408.06 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 393.06 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.25 393.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.75 393.05 Td (\(126) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.25 393.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 187.25 393.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 393.06 Td (\(127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.25 393.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.25 393.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.75 393.06 Td (\(127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 393.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 378.06 Td (Non-U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.25 378.05 Td (\(64) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.25 378.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 378.06 Td (\(64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.25 378.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.25 378.06 Td (\(61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 378.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 363.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 151.30 363.05 Td (One-per) Tj ET Q q 0 0 0 rg BT 183.21 363.05 Td (centage-pointdecr) Tj ET Q q 0 0 0 rg BT 254.28 363.05 Td (ease) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.25 347.85 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.25 348.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.75 348.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.25 348.06 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 333.06 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.25 333.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.75 333.05 Td (126) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 187.25 333.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.75 333.06 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.25 333.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.75 333.06 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 318.06 Td (Non-U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.25 318.05 Td (64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.25 318.06 Td (64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.25 318.06 Td (61) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 742.10 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 331.00 742.10 Td (Health Car) Tj ET Q q 0 0 0 rg BT 375.91 742.10 Td (e Cost T) Tj ET Q q 0 0 0 rg BT 408.70 742.10 Td (r) Tj ET Q q 0 0 0 rg BT 412.22 742.10 Td (end Rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 730.10 Td (Assumed health care cost trend rates were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 681.60 158.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.00 681.60 46.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 533.00 681.60 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 644.60 158.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.00 644.60 46.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 533.00 644.60 53.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 611.60 158.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.00 611.60 46.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 533.00 611.60 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 574.60 158.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.00 574.60 46.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 533.00 574.60 53.00 -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 329 704.6 m 487 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487 704.6 m 533 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533 704.6 m 586 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 644.6 m 487 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329 622.6 m 487 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487 644.6 m 533 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 487 622.6 m 533 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533 644.6 m 586 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 533 622.6 m 586 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 551.6 m 487 551.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329 528.6 m 487 528.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487 551.6 m 533 551.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 487 528.6 m 533 528.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533 551.6 m 586 551.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 533 528.6 m 586 528.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 709.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 709.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 709.06 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 695.05 Td (Health car) Tj ET Q q 0 0 0 rg BT 372.07 695.05 Td (ecostincr) Tj ET Q q 0 0 0 rg BT 410.90 695.05 Td (easeratefor) Tj ET Q q 0 0 0 rg BT 458.20 695.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 686.05 Td ( U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.50 686.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 686.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 671.06 Td (Following year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.10 671.05 Td (7.00%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.35 671.06 Td (6.50%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 657.86 Td (Ultimate rate to which cost increase is ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 648.86 Td ( assumed to decline) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.60 649.05 Td (5.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.10 649.06 Td (5.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 635.86 Td (Y) Tj ET Q q 0 0 0 rg BT 337.10 635.86 Td (ear in which the ultimate rate is ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 626.86 Td ( reached) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 627.05 Td (2027) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 627.06 Td (2023) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 602.05 Td (Health car) Tj ET Q q 0 0 0 rg BT 372.07 602.05 Td (ecostincr) Tj ET Q q 0 0 0 rg BT 410.90 602.05 Td (easeratefor) Tj ET Q q 0 0 0 rg BT 458.20 602.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 593.05 Td ( Non-U.S.plans \(weighted average\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.50 593.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.00 593.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 579.06 Td (Following year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.10 579.05 Td (6.90%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.35 579.06 Td (6.87%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 565.06 Td (Ultimate rate to which cost increase is ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 556.06 Td ( assumed to decline) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.60 556.05 Td (6.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.10 556.06 Td (6.87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 542.06 Td (Range of years in which the ultimate rate ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 533.06 Td ( is reached) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 533.05 Td (2019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 533.06 Td (20182019) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 328.50 505.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 347.57 505.10 Td (est Cr) Tj ET Q q 0 0 0 rg BT 371.37 505.10 Td (editing Rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 493.10 Td (The Company has cash balance plans and other plans with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 481.10 Td (promised interest crediting rates. For these plans, the interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 469.10 Td (crediting rates are set in line with plan rules or country ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 457.10 Td (legislation and do not change with market conditions.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 399.60 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 399.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 399.60 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 399.60 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 432.5 413.6 m 477.5 413.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 413.6 m 523.5 413.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 413.6 m 568.5 413.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 399.6 m 432.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 413.6 m 477.5 413.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 399.6 m 477.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 413.6 m 523.5 413.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 399.6 m 523.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 413.6 m 568.5 413.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 399.6 m 568.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 399.6 m 477.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 399.6 m 523.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 399.6 m 568.5 399.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 371.6 m 432.5 371.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 371.6 m 477.5 371.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 371.6 m 523.5 371.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 371.6 m 568.5 371.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.05 426.00 Td (W) Tj ET Q q 0 0 0 rg BT 458.80 426.00 Td (eighted average inter) Tj ET Q q 0 0 0 rg BT 539.45 426.00 Td (est) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.95 417.00 Td (cr) Tj ET Q q 0 0 0 rg BT 481.86 417.00 Td (editing rate) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 333.00 404.05 Td (Atyearend) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.50 404.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 404.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 404.06 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 390.06 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.10 390.05 Td (3.25%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.35 390.06 Td (2.60%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.85 390.06 Td (3.10%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 376.06 Td (Non-U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.60 376.05 Td (1.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.10 376.06 Td (1.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.60 376.06 Td (1.75) Tj ET Q BT /F1 10.00 Tf ET 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 (162) 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 allocations for the U.S. plans and the tar) Tj ET Q q 0 0 0 rg BT 403.06 730.25 Td (get allocations by asset category based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (asset fair values, are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 669.75 222.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 669.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 669.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 669.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 669.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 669.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 639.75 222.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 639.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 639.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 639.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 639.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 639.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 609.75 222.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 609.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 609.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 609.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 609.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 609.75 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 258.5 684.75 m 323.5 684.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 684.75 m 388.5 684.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 684.75 m 453.5 684.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 684.75 m 518.5 684.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 684.75 m 583.5 684.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 669.75 m 258.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 684.75 m 323.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 669.75 m 323.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 669.75 m 388.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 684.75 m 453.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 669.75 m 453.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 669.75 m 518.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 669.75 m 583.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 669.75 m 323.5 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 669.75 m 323.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 669.75 m 453.5 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 669.75 m 453.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 669.75 m 518.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 669.75 m 583.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 654.75 m 323.5 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 654.75 m 453.5 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 639.75 m 323.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 639.75 m 453.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 624.75 m 323.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 624.75 m 453.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 609.75 m 323.5 596.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 596.75 m 323.5 596.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 596.75 m 388.5 596.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 609.75 m 453.5 596.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 596.75 m 453.5 596.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 596.75 m 518.5 596.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 596.75 m 583.5 596.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 596.75 m 258.5 596.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 583.75 m 258.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 596.75 m 323.5 583.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 583.75 m 323.5 583.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 583.75 m 388.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 596.75 m 453.5 583.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 583.75 m 453.5 583.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 583.75 m 518.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 596.75 m 583.5 596.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 583.75 m 583.5 583.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 689.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.50 698.20 Td (T) Tj ET Q q 0 0 0 rg BT 272.68 698.20 Td (argetasset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.75 689.20 Td (allocation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.95 698.20 Td (U.S.pensionassets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.95 689.20 Td (atDecember) Tj ET Q q 0 0 0 rg BT 405.51 689.20 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.40 698.20 Td (U.S.postr) Tj ET Q q 0 0 0 rg BT 506.49 698.20 Td (etir) Tj ET Q q 0 0 0 rg BT 519.82 698.20 Td (ementassets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.95 689.20 Td (atDecember) Tj ET Q q 0 0 0 rg BT 535.51 689.20 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 674.20 Td (Assetcategory) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 94.73 678.28 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 674.21 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 674.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 674.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.50 674.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 674.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 659.21 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 99.24 663.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.75 659.21 Td (026%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.00 659.20 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.00 659.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 659.21 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 659.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 659.20 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 659.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 659.21 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 575.50 659.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 644.21 Td (Debt securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 92.73 648.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.25 644.21 Td (3582) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.00 644.20 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 644.21 Td (48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 644.20 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 644.21 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 629.21 Td (Real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.75 629.21 Td (07) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.50 629.20 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 629.21 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 629.20 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 629.21 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 614.21 Td (Private equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 614.21 Td (010) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.50 614.20 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 614.21 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 614.20 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 614.21 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 601.01 Td (Other investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 601.01 Td (030) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.00 601.15 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 601.01 Td (24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 601.15 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 601.01 Td (24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 588.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 588.15 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 588.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.50 588.15 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.00 588.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 588.01 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 588.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 588.15 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 588.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 588.01 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 575.50 588.01 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 566.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 566.65 Td (Asset allocations for the U.S. plans are set by investment strategy) Tj ET Q q 0 0 0 rg BT 263.21 566.65 Td (, not by investment product. For example, private equities with an underlying investment in real ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 557.05 Td (estate are classified in the real estate asset category) Tj ET Q q 0 0 0 rg BT 216.95 557.05 Td (, not private equity) Tj ET Q q 0 0 0 rg BT 276.86 557.05 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 547.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 547.45 Td (Equity securities in the U.S. pension and postretirement plans do not include any Citigroup common stock at the end of 2018 and 2017.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 537.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 537.85 Td (The ) Tj ET Q q 0 0 0 rg BT 68.29 537.85 Td (VEBA) Tj ET Q q 0 0 0 rg BT 89.63 537.85 Td ( ) Tj ET Q q 0 0 0 rg BT 91.48 537.85 Td (T) Tj ET Q q 0 0 0 rg BT 96.09 537.85 Td (rust for postretirement benefits are primarily invested in debt securities which are not reflected in the table above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 513.85 Td (Third-party investment managers and advisors provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 501.85 Td (their services to Citigroup) Tj ET Q q 0 0 0 rg BT 142.92 501.85 Td (s U.S. pension and postretirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 489.85 Td (plans. ) Tj ET Q q 0 0 0 rg BT 61.56 489.85 Td (Assets are rebalanced as the Company) Tj ET Q q 0 0 0 rg BT 217.89 489.85 Td (s Pension Plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 477.85 Td (Investment Committee deems appropriate. Citigroup) Tj ET Q q 0 0 0 rg BT 249.56 477.85 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 465.85 Td (investment strategy) Tj ET Q q 0 0 0 rg BT 113.39 465.85 Td (, with respect to its assets, is to maintain a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 453.85 Td (globally diversified investment portfolio across several asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 441.85 Td (classes that, when combined with Citigroup) Tj ET Q q 0 0 0 rg BT 213.75 441.85 Td (s contributions to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 513.85 Td (the plans, will maintain the plans) Tj ET Q q 0 0 0 rg BT 463.29 513.85 Td ( ability to meet all required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 501.85 Td (benefit obligations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 489.85 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 387.61 489.85 Td (s pension and postretirement plans) Tj ET Q q 0 0 0 rg BT 528.51 489.85 Td ( weighted-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 477.85 Td (average asset allocations for the non-U.S. plans and the actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 465.85 Td (ranges, and the weighted-average tar) Tj ET Q q 0 0 0 rg BT 475.19 465.85 Td (get allocations by asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 453.85 Td (category based on asset fair values, are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 378.35 217.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 378.35 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 378.35 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 378.35 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 378.35 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.50 378.35 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 348.35 217.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 348.35 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 348.35 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 348.35 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 348.35 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.50 348.35 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 318.35 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 318.35 88.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 318.35 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 318.35 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 318.35 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.50 318.35 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 253.5 416.35 m 341.5 416.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 416.35 m 402.5 416.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 416.35 m 463.5 416.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 416.35 m 524.5 416.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 416.35 m 585.5 416.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 416.35 m 341.5 393.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 393.35 m 341.5 393.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 393.35 m 402.5 393.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 416.35 m 463.5 393.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 393.35 m 463.5 393.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 393.35 m 524.5 393.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 393.35 m 585.5 393.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 378.35 m 253.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 393.35 m 341.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 378.35 m 341.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 378.35 m 402.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 393.35 m 463.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 393.35 m 463.5 393.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 378.35 m 463.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 393.35 m 463.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 393.35 m 524.5 393.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 378.35 m 524.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 378.35 m 585.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 378.35 m 341.5 363.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 378.35 m 402.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 378.35 m 402.5 363.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 378.35 m 463.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 378.35 m 463.5 363.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 378.35 m 524.5 363.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 378.35 m 524.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 378.35 m 585.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 363.35 m 341.5 348.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 363.35 m 402.5 348.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 363.35 m 463.5 348.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 363.35 m 524.5 348.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 348.35 m 341.5 333.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 348.35 m 402.5 333.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 348.35 m 463.5 333.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 348.35 m 524.5 333.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 333.35 m 341.5 318.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 318.35 m 402.5 318.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 333.35 m 402.5 318.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 318.35 m 463.5 318.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 333.35 m 463.5 318.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 333.35 m 524.5 318.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 318.35 m 524.5 318.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 318.35 m 585.5 318.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 318.35 m 253.5 318.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 304.35 m 253.5 304.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 318.35 m 341.5 304.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 318.35 m 341.5 318.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 304.35 m 341.5 304.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 318.35 m 402.5 318.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 304.35 m 402.5 304.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 318.35 m 463.5 304.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 318.35 m 463.5 318.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 304.35 m 463.5 304.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 318.35 m 524.5 318.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 304.35 m 524.5 304.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 318.35 m 585.5 318.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 304.35 m 585.5 304.35 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 420.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.20 420.80 Td (Non-U.S.pensionplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 397.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 406.80 Td (T) Tj ET Q q 0 0 0 rg BT 279.18 406.80 Td (argetasset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.25 397.80 Td (allocation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.10 406.80 Td (Actualrange) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.95 397.80 Td (atDecember) Tj ET Q q 0 0 0 rg BT 419.51 397.80 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.25 406.80 Td (W) Tj ET Q q 0 0 0 rg BT 497.75 406.80 Td (eighted-average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.95 397.80 Td (atDecember) Tj ET Q q 0 0 0 rg BT 541.51 397.80 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 382.80 Td (Assetcategory) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 94.73 386.88 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 382.81 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 382.80 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 382.81 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.50 382.80 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 382.81 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 367.81 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.25 367.81 Td (063%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 367.80 Td (066%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.45 367.81 Td (0) Tj ET Q BT /F9 9.00 Tf ET q 0 0 0 rg BT 423.95 367.81 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.96 367.81 Td (67%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 367.80 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 367.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 367.81 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.50 367.81 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 352.81 Td (Debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.75 352.81 Td (0100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.25 352.80 Td (0100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.20 352.81 Td (0) Tj ET Q BT /F9 9.00 Tf ET q 0 0 0 rg BT 427.70 352.81 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.71 352.81 Td (99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 352.80 Td (80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 352.81 Td (79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 337.81 Td (Real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 337.81 Td (015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 337.80 Td (012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.20 337.81 Td (0) Tj ET Q BT /F9 9.00 Tf ET q 0 0 0 rg BT 427.70 337.81 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.71 337.81 Td (18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.50 337.80 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 337.81 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 322.81 Td (Other investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.75 322.81 Td (0100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.25 322.80 Td (0100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.95 322.81 Td (0) Tj ET Q BT /F9 9.00 Tf ET q 0 0 0 rg BT 425.45 322.81 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.46 322.81 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.50 322.80 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 322.81 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 308.80 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 308.80 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 308.80 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 308.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 308.81 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.50 308.81 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 292.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 283.25 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 283.25 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 370.30 283.25 Td (, not by investment product. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 222.75 215.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 222.75 90.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 222.75 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 222.75 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 222.75 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.50 222.75 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 192.75 215.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 192.75 90.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 192.75 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 192.75 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 192.75 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.50 192.75 61.00 -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 251.5 257.75 m 341.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 257.75 m 402.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 257.75 m 463.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 257.75 m 524.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 257.75 m 585.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 257.75 m 341.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 257.75 m 341.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 237.75 m 341.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 237.75 m 402.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 257.75 m 463.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 237.75 m 463.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 237.75 m 524.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 237.75 m 585.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 222.75 m 251.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 237.75 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 251.5 237.75 m 341.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 222.75 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 402.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 237.75 m 463.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 237.75 m 463.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 222.75 m 463.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 222.75 m 524.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 237.75 m 585.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 222.75 m 585.5 222.75 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 341.5 207.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 222.75 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 402.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 222.75 m 402.5 207.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 222.75 m 463.5 207.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 222.75 m 463.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 222.75 m 524.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 222.75 m 524.5 207.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 222.75 m 585.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 207.75 m 341.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 207.75 m 402.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 207.75 m 463.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 207.75 m 524.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 192.75 m 341.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 177.75 m 341.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 177.75 m 402.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 192.75 m 402.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 192.75 m 463.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 177.75 m 463.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 192.75 m 524.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 177.75 m 585.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 177.75 m 251.5 177.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 163.75 m 251.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 177.75 m 341.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 177.75 m 341.5 177.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 163.75 m 341.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 177.75 m 402.5 177.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 163.75 m 402.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 177.75 m 463.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 177.75 m 463.5 177.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 163.75 m 463.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 177.75 m 524.5 177.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 163.75 m 524.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 177.75 m 585.5 177.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 163.75 m 585.5 163.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 262.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.65 262.20 Td (Non-U.S.postr) Tj ET Q q 0 0 0 rg BT 416.82 262.20 Td (etir) Tj ET Q q 0 0 0 rg BT 430.15 262.20 Td (ementplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 242.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 249.15 Td (T) Tj ET Q q 0 0 0 rg BT 278.18 249.15 Td (argetasset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.25 240.20 Td (allocation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.10 249.15 Td (Actualrange) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.95 240.20 Td (atDecember) Tj ET Q q 0 0 0 rg BT 419.51 240.20 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.25 249.15 Td (W) Tj ET Q q 0 0 0 rg BT 497.75 249.15 Td (eighted-average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.95 240.20 Td (atDecember) Tj ET Q q 0 0 0 rg BT 541.51 240.20 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 227.20 Td (Assetcategory) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 94.73 231.28 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 227.21 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 227.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 227.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.50 227.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 227.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 212.21 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.25 212.21 Td (030%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 212.20 Td (035%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.45 212.21 Td (0) Tj ET Q BT /F9 9.00 Tf ET q 0 0 0 rg BT 423.95 212.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.96 212.21 Td (38%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 212.20 Td (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 212.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 212.21 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.50 212.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 197.21 Td (Debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.50 197.21 Td (64100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 197.20 Td (62100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.70 197.21 Td (58) Tj ET Q BT /F9 9.00 Tf ET q 0 0 0 rg BT 427.70 197.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.71 197.21 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 197.20 Td (62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 197.21 Td (58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 182.21 Td (Other investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 182.21 Td (06) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.75 182.20 Td (03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.45 182.21 Td (0) Tj ET Q BT /F9 9.00 Tf ET q 0 0 0 rg BT 429.95 182.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.96 182.21 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.50 182.20 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 182.21 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 168.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 168.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 168.20 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 168.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 168.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.50 168.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 144.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 144.65 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 370.30 144.65 Td (, not by investment product. ) 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 (163) 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 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (the valuation methodology utilized by the Company) Tj ET Q q 0 0 0 rg BT 243.65 706.25 Td (, see Notes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (1 and 24 to the Consolidated Financial Statements. ) Tj ET Q q 0 0 0 rg BT 241.25 694.25 Td (ASU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (2015-07 removed the requirement to categorize within the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (value hierarchy 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.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 742.10 Td (Certain investments may transfer between the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 730.10 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 328.50 718.10 Td (valuation methodology and pricing sources. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 706.10 Td (Plan assets by detailed asset categories and the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 694.10 Td (hierarchy are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 617.75 277.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 617.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 617.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 617.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 617.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 587.75 277.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 587.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 587.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 587.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 587.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 557.75 277.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 557.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 557.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 557.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 557.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 527.75 277.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 527.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 527.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 527.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 527.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 497.75 277.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 497.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 497.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 497.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 497.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 467.75 277.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 467.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 467.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 467.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 467.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 437.75 277.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 437.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 437.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 437.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 437.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 408.75 277.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 408.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 408.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 408.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 408.75 68.00 -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 313.5 632.75 m 381.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 632.75 m 449.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 632.75 m 517.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 632.75 m 585.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 617.75 m 313.5 617.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 617.75 m 381.5 617.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 617.75 m 449.5 617.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 617.75 m 517.5 617.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 617.75 m 585.5 617.75 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 313.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 602.75 m 381.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 602.75 m 449.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 602.75 m 517.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 602.75 m 585.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 602.75 m 449.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 602.75 m 517.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 602.75 m 585.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 482.75 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 36.5 467.75 m 313.5 467.75 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 381.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 467.75 m 381.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 482.75 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 381.5 467.75 m 449.5 467.75 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 517.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 467.75 m 517.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 482.75 m 585.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 467.75 m 585.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 467.75 m 449.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 467.75 m 517.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 467.75 m 585.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 437.75 m 313.5 437.75 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 313.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 437.75 m 381.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 422.75 m 381.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 437.75 m 449.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 422.75 m 449.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 437.75 m 517.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 422.75 m 517.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 437.75 m 585.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 422.75 m 585.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 422.75 m 585.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 394.75 m 313.5 394.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 380.75 m 313.5 380.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 394.75 m 381.5 394.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 380.75 m 381.5 380.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 394.75 m 449.5 394.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 380.75 m 449.5 380.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 394.75 m 517.5 394.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 380.75 m 517.5 380.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 394.75 m 585.5 394.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 380.75 m 585.5 380.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.10 637.20 Td (U.S.pensionandpostr) Tj ET Q q 0 0 0 rg BT 444.72 637.20 Td (etir) Tj ET Q q 0 0 0 rg BT 458.04 637.20 Td (ementbenefitplans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 533.04 641.28 Td (\(1\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 622.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.10 622.20 Td (Fair) Tj ET Q q 0 0 0 rg BT 376.51 622.20 Td ( value measur) Tj ET Q q 0 0 0 rg BT 429.84 622.20 Td (ement at December) Tj ET Q q 0 0 0 rg BT 504.14 622.20 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 607.20 Td (Assetcategories) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.10 607.20 Td (Level1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.10 607.20 Td (Level2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.10 607.20 Td (Level3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.15 607.20 Td (T) Tj ET Q q 0 0 0 rg BT 546.33 607.20 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 594.01 Td (U.S. equities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 592.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.50 592.20 Td (625) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 592.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 592.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 592.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 592.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 592.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.50 592.20 Td (625) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 579.01 Td (Non-U.S. equities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.50 577.20 Td (481) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 577.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 577.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.50 577.20 Td (481) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 564.01 Td (Mutual funds and other registered investment companies) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.50 562.20 Td (215) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 562.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 562.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.50 562.20 Td (215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 549.01 Td (Commingled funds) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 547.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 547.20 Td (1,344) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 547.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.75 547.20 Td (1,344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 534.01 Td (Debt securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.75 532.20 Td (1,346) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 532.20 Td (3,475) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 532.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.75 532.20 Td (4,821) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 517.21 Td (Annuity contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 517.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 517.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.50 517.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 577.50 517.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 502.21 Td (Derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 502.20 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.50 502.20 Td (252) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 502.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.50 502.20 Td (268) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 487.21 Td (Other investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 487.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 487.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 487.20 Td (127) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.50 487.20 Td (127) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 472.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 472.20 Td (otal investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 472.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.75 472.20 Td (2,683) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 472.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 472.20 Td (5,071) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 472.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 472.20 Td (128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 472.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.75 472.20 Td (7,882) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 457.21 Td (Cash and short-term investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 457.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 457.20 Td (93) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 457.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.50 457.20 Td (865) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 457.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 457.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 457.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.50 457.20 Td (958) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 442.21 Td (Other investment liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 442.20 Td (\(100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 442.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.50 442.20 Td (\(254) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 442.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 442.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 565.50 442.20 Td (\(354) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 582.00 442.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 427.20 Td (Net investments at fair) Tj ET Q q 0 0 0 rg BT 126.15 427.20 Td ( value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 427.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.75 427.20 Td (2,676) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 427.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 427.20 Td (5,682) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 427.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 427.20 Td (128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 427.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.75 427.20 Td (8,486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 413.21 Td (Other investment receivables redeemed at NA) Tj ET Q q 0 0 0 rg BT 204.60 413.21 Td (V) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 413.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 413.20 Td (80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 399.21 Td (Securities valued at NA) Tj ET Q q 0 0 0 rg BT 123.56 399.21 Td (V) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.75 399.20 Td (3,269) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 385.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 385.20 Td (otal net assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 385.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.25 385.20 Td (1) Tj ET Q q 0 0 0 rg BT 561.75 385.20 Td (1,835) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 363.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 363.65 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 346.16 363.65 Td (At December31, 2018, the allocable interests of the U.S. pension and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 354.05 Td (postretirement plans were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 138.64 354.05 Td (98.0%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 354.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 174.85 354.05 Td (2.0%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.52 354.05 Td (, respectively) Tj ET Q q 0 0 0 rg BT 233.64 354.05 Td (. ) Tj ET Q q 0 0 0 rg BT 237.50 354.05 Td (The investments of the ) Tj ET Q q 0 0 0 rg BT 312.45 354.05 Td (VEBA) Tj ET Q q 0 0 0 rg BT 333.79 354.05 Td ( ) Tj ET Q q 0 0 0 rg BT 335.64 354.05 Td (T) Tj ET Q q 0 0 0 rg BT 340.25 354.05 Td (rust for the postretirement benefits are reflected in the above table.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 298.55 276.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 298.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 298.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 298.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 298.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 268.55 276.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 268.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 268.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 268.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 268.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 238.55 276.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 238.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 238.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 238.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 238.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 208.55 276.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 208.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 208.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 208.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 208.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 178.55 276.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 178.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 178.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 178.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 178.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 148.55 276.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 148.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 148.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 148.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 148.55 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 118.55 276.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 118.55 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 118.55 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 118.55 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 118.55 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 90.55 276.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 90.55 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 90.55 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 90.55 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 90.55 68.00 -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 312.5 328.54999999999995 m 380.5 328.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 328.54999999999995 m 448.5 328.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 328.54999999999995 m 516.5 328.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 328.54999999999995 m 584.5 328.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 313.54999999999995 m 312.5 313.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 313.54999999999995 m 380.5 313.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 313.54999999999995 m 448.5 313.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 313.54999999999995 m 516.5 313.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 313.54999999999995 m 584.5 313.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 298.54999999999995 m 312.5 298.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 298.54999999999995 m 380.5 298.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 313.54999999999995 m 448.5 313.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 298.54999999999995 m 448.5 298.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 313.54999999999995 m 516.5 313.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 298.54999999999995 m 516.5 298.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 313.54999999999995 m 584.5 313.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 298.54999999999995 m 584.5 298.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 298.54999999999995 m 380.5 298.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 298.54999999999995 m 448.5 298.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 298.54999999999995 m 516.5 298.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 298.54999999999995 m 584.5 298.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 178.54999999999995 m 448.5 178.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 178.54999999999995 m 312.5 178.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 163.54999999999995 m 312.5 163.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 178.54999999999995 m 380.5 178.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 163.54999999999995 m 380.5 163.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 178.54999999999995 m 448.5 178.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 163.54999999999995 m 448.5 163.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 178.54999999999995 m 516.5 178.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 163.54999999999995 m 516.5 163.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 178.54999999999995 m 584.5 178.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 163.54999999999995 m 584.5 163.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 163.54999999999995 m 448.5 163.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 163.54999999999995 m 516.5 163.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 163.54999999999995 m 584.5 163.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 133.54999999999995 m 312.5 133.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 118.54999999999995 m 312.5 118.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 133.54999999999995 m 380.5 133.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 118.54999999999995 m 380.5 118.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 133.54999999999995 m 448.5 133.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 118.54999999999995 m 448.5 118.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 133.54999999999995 m 516.5 133.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 118.54999999999995 m 516.5 118.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 133.54999999999995 m 584.5 133.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 118.54999999999995 m 584.5 118.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 118.54999999999995 m 584.5 118.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 90.54999999999995 m 312.5 90.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 90.54999999999995 m 380.5 90.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 90.54999999999995 m 448.5 90.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 90.54999999999995 m 516.5 90.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 90.54999999999995 m 584.5 90.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 90.54999999999995 m 312.5 90.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 76.54999999999995 m 312.5 76.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 90.54999999999995 m 380.5 90.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 76.54999999999995 m 380.5 76.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 90.54999999999995 m 448.5 90.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 76.54999999999995 m 448.5 76.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 90.54999999999995 m 516.5 90.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 76.54999999999995 m 516.5 76.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 90.54999999999995 m 584.5 90.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 76.54999999999995 m 584.5 76.54999999999995 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.45 333.01 Td (U.S.pensionandpostretirementbenefitplans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 526.66 337.09 Td (\(1\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 317.80 Td (Inmillionsofdollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.90 318.01 Td (Fair value measurement at December 31, 2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 303.00 Td (Assetcategories) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.35 303.01 Td (Level1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.35 303.01 Td (Level2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.35 303.01 Td (Level3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.80 303.01 Td (T) Tj ET Q q 0 0 0 rg BT 545.67 303.01 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 289.81 Td (U.S. equities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 288.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.50 288.01 Td (726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 288.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 288.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 288.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 288.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 288.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 288.01 Td (726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 274.81 Td (Non-U.S. equities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.50 273.01 Td (821) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 273.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 273.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 273.01 Td (821) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 259.81 Td (Mutual funds and other registered investment companies) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.50 258.01 Td (376) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 258.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 258.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 258.01 Td (376) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 243.01 Td (Commingled funds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 243.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 243.01 Td (1,184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 243.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 243.01 Td (1,184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 228.01 Td (Debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 228.01 Td (1,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 228.01 Td (3,080) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 228.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 228.01 Td (4,461) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 213.01 Td (Annuity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 213.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 213.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 213.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 576.50 213.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 198.01 Td (Derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 198.01 Td (1) Tj ET Q q 0 0 0 rg BT 372.50 198.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 198.01 Td (323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 198.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 198.01 Td (334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 183.01 Td (Other investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 183.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 183.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 183.01 Td (148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 183.01 Td (148) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 168.00 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 168.00 Td (otal investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 168.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 168.01 Td (3,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 168.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 168.01 Td (4,587) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 168.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 168.01 Td (149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 168.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 168.01 Td (8,051) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 153.01 Td (Cash and short-term investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 153.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.50 153.01 Td (257) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 153.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 153.01 Td (1,004) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 153.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 153.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 153.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 153.01 Td (1,261) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 138.01 Td (Other investment liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.00 138.01 Td (\(60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 138.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 138.01 Td (\(343) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 138.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 138.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 138.01 Td (\(403) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.00 138.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 123.00 Td (Net investments at fair) Tj ET Q q 0 0 0 rg BT 126.15 123.00 Td ( value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 123.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 123.01 Td (3,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 123.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 123.01 Td (5,248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 123.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 123.01 Td (149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 123.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 123.01 Td (8,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 109.01 Td (Other investment receivables redeemed at NA) Tj ET Q q 0 0 0 rg BT 204.60 109.01 Td (V) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 109.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 109.01 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 95.01 Td (Securities valued at NA) Tj ET Q q 0 0 0 rg BT 123.56 95.01 Td (V) Tj ET Q q 0 0 0 rg BT 129.90 95.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 95.01 Td (4,062) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 81.00 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 81.00 Td (otal net assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 81.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 81.01 Td (12,987) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 59.45 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 59.45 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 59.45 Td (At December31, 2017, the allocable interests of the U.S. pension and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 49.85 Td (postretirement plans were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 138.64 49.85 Td (99.0%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 49.85 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 174.85 49.85 Td (1.0%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.52 49.85 Td (, respectively) Tj ET Q q 0 0 0 rg BT 233.64 49.85 Td (. ) Tj ET Q q 0 0 0 rg BT 237.50 49.85 Td (The investments of the ) Tj ET Q q 0 0 0 rg BT 312.45 49.85 Td (VEBA) Tj ET Q q 0 0 0 rg BT 333.79 49.85 Td ( ) Tj ET Q q 0 0 0 rg BT 335.64 49.85 Td (T) Tj ET Q q 0 0 0 rg BT 340.25 49.85 Td (rust for the postretirement benefits are reflected in the above table.) 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515.5 494.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 480.5 m 515.5 480.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 494.5 m 584.5 494.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 480.5 m 584.5 480.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.00 737.95 Td (Non-U.S.pensionandpostr) Tj ET Q q 0 0 0 rg BT 454.70 737.95 Td (etir) Tj ET Q q 0 0 0 rg BT 468.02 737.95 Td (ementbenefitplans) 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 /F2 9.00 Tf ET q 0 0 0 rg BT 357.10 722.95 Td (Fair) Tj ET Q q 0 0 0 rg BT 373.51 722.95 Td ( value measur) Tj ET Q q 0 0 0 rg BT 426.84 722.95 Td (ement at December) Tj ET Q q 0 0 0 rg BT 501.14 722.95 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 707.95 Td (Assetcategories) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.60 707.95 Td (Level1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.60 707.95 Td (Level2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.60 707.95 Td 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BT 518.00 498.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 498.95 Td (1) Tj ET Q q 0 0 0 rg BT 576.50 498.95 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 484.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 484.95 Td (otal net assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 518.00 484.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.75 484.95 Td (7,735) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 469.00 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 413.50 272.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 413.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 413.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 413.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 413.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 383.50 272.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 383.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 383.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 383.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 383.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 353.50 272.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 353.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 353.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 353.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 353.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 323.50 272.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 323.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 323.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 323.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 323.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 293.50 272.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 293.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 293.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 293.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 293.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 263.50 272.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 263.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 263.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 263.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 263.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 233.50 272.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 233.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 233.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 233.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 233.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 204.50 272.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 204.50 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 204.50 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 204.50 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 204.50 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 308.5 443.5 m 377.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 443.5 m 446.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 443.5 m 515.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 443.5 m 584.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 428.5 m 308.5 428.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 443.5 m 377.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 428.5 m 377.5 428.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 428.5 m 446.5 428.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 428.5 m 515.5 428.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 428.5 m 584.5 428.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 413.5 m 308.5 413.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 413.5 m 377.5 413.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 428.5 m 446.5 428.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 413.5 m 446.5 413.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 428.5 m 515.5 428.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 413.5 m 515.5 413.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 428.5 m 584.5 428.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 413.5 m 584.5 413.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 278.5 m 584.5 278.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 278.5 m 308.5 278.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 263.5 m 308.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 278.5 m 377.5 278.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 263.5 m 377.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 278.5 m 446.5 278.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 263.5 m 446.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 278.5 m 515.5 278.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 263.5 m 515.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 278.5 m 584.5 278.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 263.5 m 584.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 263.5 m 446.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 263.5 m 515.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 263.5 m 584.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 233.5 m 308.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 233.5 m 377.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 233.5 m 446.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 233.5 m 515.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 233.5 m 308.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 218.5 m 308.5 218.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 233.5 m 377.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 218.5 m 377.5 218.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 233.5 m 446.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 218.5 m 446.5 218.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 233.5 m 515.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 218.5 m 515.5 218.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 233.5 m 584.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 218.5 m 584.5 218.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 204.5 m 308.5 204.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 204.5 m 308.5 204.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 190.5 m 308.5 190.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 204.5 m 377.5 204.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 190.5 m 377.5 190.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 204.5 m 446.5 204.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 190.5 m 446.5 190.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 204.5 m 515.5 204.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 190.5 m 515.5 190.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 204.5 m 584.5 204.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 190.5 m 584.5 190.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.60 447.96 Td (Non-U.S.pensionandpostretirementbenefitplans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 432.75 Td (Inmillionsofdollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.90 432.96 Td (Fair value measurement at December 31, 2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 417.95 Td (Assetcategories) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.85 417.96 Td (Level1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.85 417.96 Td (Level2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.85 417.96 Td (Level3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.30 417.96 Td (T) Tj ET Q q 0 0 0 rg BT 545.17 417.96 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 402.96 Td (U.S. equities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 402.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.50 402.96 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 402.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.00 402.96 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 402.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 402.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 402.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 402.96 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 387.96 Td (Non-U.S. equities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.50 387.96 Td (103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 387.96 Td (122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 387.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 387.96 Td (226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 374.76 Td (Mutual funds and other registered investment companies) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.75 372.96 Td (3,098) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.00 372.96 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 372.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 372.96 Td (3,172) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 357.96 Td (Commingled funds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.00 357.96 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.00 357.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 357.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 357.96 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 342.96 Td (Debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.75 342.96 Td (3,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 342.96 Td (1,555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 342.96 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 342.96 Td (5,561) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 327.96 Td (Real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.00 327.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 327.96 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 327.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 576.50 327.96 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 312.96 Td (Annuity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.00 312.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 312.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 312.96 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 312.96 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 297.96 Td (Derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.50 297.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 297.96 Td (3,102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 297.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 297.96 Td (3,103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 282.96 Td (Other investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.50 282.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.00 282.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 282.96 Td (214) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 282.96 Td (215) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 267.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 267.95 Td (otal investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 267.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.75 267.96 Td (7,230) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 267.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 267.96 Td (4,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 267.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 267.96 Td (232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 267.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 267.96 Td (12,331) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 252.96 Td (Cash and short-term investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 252.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.50 252.96 Td (1) Tj ET Q q 0 0 0 rg BT 365.00 252.96 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 252.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 252.96 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 252.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 252.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 252.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 252.96 Td (122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 237.96 Td (Other investment liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 237.96 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.00 237.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 237.96 Td (\(4,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.00 237.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 237.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.75 237.96 Td (\(4,222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.00 237.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 222.95 Td (Net investments at fair) Tj ET Q q 0 0 0 rg BT 126.15 222.95 Td ( value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 222.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.75 222.96 Td (7,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 222.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 222.96 Td (652) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 222.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 222.96 Td (232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 222.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 222.96 Td (8,231) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 208.96 Td (Securities valued at NA) Tj ET Q q 0 0 0 rg BT 123.56 208.96 Td (V) Tj ET Q q 0 0 0 rg BT 129.90 208.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 208.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 208.96 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 194.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 194.95 Td (otal net assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 194.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 194.96 Td (8,247) Tj ET Q BT /F1 10.00 Tf ET 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 (165) 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 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 671.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 671.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 671.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 671.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 671.75 75.00 -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 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 641.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 641.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 641.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 641.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 641.75 75.00 -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 212.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 704.75 m 287.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 704.75 m 362.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 704.75 m 437.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 704.75 m 512.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 704.75 m 587.5 704.75 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 212.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 671.75 m 287.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 671.75 m 362.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 671.75 m 437.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 671.75 m 512.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 671.75 m 587.5 671.75 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 212.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 671.75 m 287.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 671.75 m 362.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 671.75 m 437.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 671.75 m 512.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 671.75 m 587.5 671.75 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 212.5 641.75 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 212.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 641.75 m 287.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 626.75 m 287.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 641.75 m 362.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 626.75 m 362.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 641.75 m 437.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 626.75 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 437.5 641.75 m 512.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 626.75 m 512.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 641.75 m 587.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 626.75 m 587.5 626.75 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 274.50 709.20 Td (U.S.pensionandpostr) Tj ET Q q 0 0 0 rg BT 361.20 709.20 Td (etir) Tj ET Q q 0 0 0 rg BT 374.52 709.20 Td (ementbenefitplans) 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 143.35 694.20 Td (Beginning Level ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 147.95 685.20 Td (3 fair) Tj ET Q q 0 0 0 rg BT 168.53 685.20 Td ( value at ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.25 676.20 Td (Dec. 31, 2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.85 685.20 Td (Realized 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 292.45 685.20 Td (Unr) Tj ET Q q 0 0 0 rg BT 307.87 685.20 Td (ealized gains) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.75 676.20 Td (\(losses\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.95 694.20 Td (Pur) Tj ET Q q 0 0 0 rg BT 393.37 694.20 Td (chases,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.10 685.20 Td (salesand) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.70 676.20 Td (issuances) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.55 685.20 Td (T) Tj ET Q q 0 0 0 rg BT 447.22 685.20 Td (ransfersin and/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.05 676.20 Td (or) Tj ET Q q 0 0 0 rg BT 451.46 676.20 Td (outof Level3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.45 694.20 Td (Ending Level 3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.80 685.20 Td (fair) Tj ET Q q 0 0 0 rg BT 530.63 685.20 Td ( value at Dec.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.75 676.20 Td (31, 2018) 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.50 661.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 661.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.00 661.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 661.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 661.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 661.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 579.50 661.20 Td (1) 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 195.50 646.21 Td (148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.50 646.21 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 646.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.00 646.21 Td (\(18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 646.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.50 646.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.00 646.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 646.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 570.50 646.20 Td (127) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 631.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 631.20 Td (otal investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 195.50 631.21 Td (149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.50 631.21 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 631.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.00 631.21 Td (\(18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 631.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.50 631.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.00 631.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 631.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 631.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 570.50 631.20 Td (128) 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 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 547.15 102.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 138.50 547.15 75.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 213.50 547.15 75.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 547.15 75.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 547.15 75.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 547.15 75.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 547.15 75.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 512.15 102.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 138.50 512.15 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 213.50 512.15 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 512.15 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 512.15 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 512.15 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 512.15 75.00 -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 36.5 580.15 m 138.5 580.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 580.15 m 213.5 580.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 580.15 m 288.5 580.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 580.15 m 363.5 580.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 580.15 m 438.5 580.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 580.15 m 513.5 580.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 580.15 m 588.5 580.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 547.15 m 138.5 547.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 547.15 m 213.5 547.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 547.15 m 288.5 547.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 547.15 m 363.5 547.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 547.15 m 438.5 547.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 547.15 m 513.5 547.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 547.15 m 588.5 547.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 547.15 m 213.5 547.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 547.15 m 288.5 547.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 547.15 m 363.5 547.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 547.15 m 438.5 547.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 547.15 m 513.5 547.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 547.15 m 588.5 547.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 512.15 m 138.5 512.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 497.15 m 138.5 497.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 512.15 m 213.5 512.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 497.15 m 213.5 497.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 512.15 m 288.5 512.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 497.15 m 288.5 497.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 512.15 m 363.5 512.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 497.15 m 363.5 497.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 512.15 m 438.5 512.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 497.15 m 438.5 497.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 512.15 m 513.5 512.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 497.15 m 513.5 497.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 512.15 m 588.5 512.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 497.15 m 588.5 497.15 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 584.40 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.50 584.60 Td (U.S.pensionandpostr) Tj ET Q q 0 0 0 rg BT 362.12 584.60 Td (etir) Tj ET Q q 0 0 0 rg BT 375.44 584.60 Td (ementbenefitplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 551.60 Td (Assetcategories) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 142.00 569.61 Td (Beginning Level 3 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 154.00 560.61 Td (fair value at ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.25 551.61 Td (Dec. 31, 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.10 560.61 Td (Realized gains) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.75 551.61 Td (\(losses\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.10 560.61 Td (Unrealized gains) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 551.61 Td (\(losses\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.35 560.61 Td (Purchases,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.00 551.61 Td (salesand issuances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.15 560.61 Td (T) Tj ET Q q 0 0 0 rg BT 450.49 560.61 Td (ransfersin and/) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.25 551.61 Td (oroutof Level3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.75 569.61 Td (Ending Level 3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 560.61 Td (fair value at Dec.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 551.61 Td (31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 531.61 Td (Annuity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 141.00 531.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.50 531.61 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 216.00 531.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 531.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 531.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 531.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.00 531.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 531.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 531.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 531.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 531.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 580.50 531.61 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 516.61 Td (Other investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 196.50 516.61 Td (129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 516.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 516.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 516.61 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 516.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 516.61 Td (148) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 501.60 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 501.60 Td (otal investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 141.00 501.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 196.50 501.61 Td (130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 216.00 501.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 501.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 501.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 501.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.00 501.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 501.61 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 501.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 501.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 501.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 501.61 Td (149) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 478.45 Td ( ) Tj ET Q BT /F1 8.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 419.95 121.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.50 419.95 76.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 419.95 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 419.95 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 419.95 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 419.95 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 389.95 121.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.50 389.95 76.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 389.95 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 389.95 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 389.95 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 389.95 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 359.95 121.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.50 359.95 76.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 359.95 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 359.95 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 359.95 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 359.95 88.00 -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 36.5 452.95 m 157.5 452.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 157.5 452.95 m 233.5 452.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 452.95 m 321.5 452.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 452.95 m 409.5 452.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 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157.5 283.35 m 238.5 283.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 283.35 m 325.5 283.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 283.35 m 412.5 283.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 283.35 m 499.5 283.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 283.35 m 586.5 283.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 251.35000000000002 m 157.5 251.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 157.5 251.35000000000002 m 238.5 251.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 251.35000000000002 m 325.5 251.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 251.35000000000002 m 412.5 251.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 251.35000000000002 m 499.5 251.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 251.35000000000002 m 586.5 251.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 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rg BT 313.00 165.81 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 165.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 165.81 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.00 165.81 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 165.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 165.81 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 165.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.50 165.81 Td (232) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 142.65 Td ( ) Tj ET Q BT /F1 8.00 Tf ET 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 (166) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Investment Strategy) 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 global pension and postretirement funds) Tj ET Q q 0 0 0 rg BT 265.21 730.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 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 36.00 706.25 Td (exclusive purpose of providing benefits to participants. ) Tj ET Q q 0 0 0 rg BT 258.54 706.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (investment strategies are tar) Tj ET Q q 0 0 0 rg BT 147.72 694.25 Td (geted to produce a total return that, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (when combined with the Company) Tj ET Q q 0 0 0 rg BT 178.75 682.25 Td (s contributions to the funds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (will maintain the funds) Tj ET Q q 0 0 0 rg BT 131.07 670.25 Td ( ability to meet all required benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (obligations. Risk is controlled through diversification of asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (types and investments in domestic and international equities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (fixed income securities and cash and short-term investments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (The tar) Tj ET Q q 0 0 0 rg BT 64.41 622.25 Td (get asset allocation in most locations outside the U.S. is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (primarily in equity and debt securities. ) Tj ET Q q 0 0 0 rg BT 192.72 610.25 Td (These allocations may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (vary by geographic region and country depending on the nature ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (of applicable obligations and various other regional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (considerations. ) Tj ET Q q 0 0 0 rg BT 98.58 574.25 Td (The wide variation in the actual range of plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (asset allocations for the funded non-U.S. plans is a result of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 550.25 Td (fering local statutory requirements and economic conditions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (For example, in certain countries local law requires that all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 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 36.00 514.25 Td (investments, government funds or local-country securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (Significant Concentrations of Risk in Plan ) Tj ET Q q 0 0 0 rg BT 217.69 490.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.25 Td (The assets of the Company) Tj ET Q q 0 0 0 rg BT 147.09 478.25 Td (s pension plans are diversified to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 Td (limit the impact of any individual investment. ) Tj ET Q q 0 0 0 rg BT 221.34 466.25 Td (The U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.25 Td (qualified pension plan is diversified across multiple asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 Td (classes, with publicly traded fixed income, hedge funds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 Td (publicly traded equity and real estate representing the most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.25 Td (significant asset allocations. Investments in these four asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.25 Td (classes are further diversified across funds, managers, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.25 Td (strategies, vintages, sectors and geographies, depending on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.25 Td (specific characteristics of each asset class. ) Tj ET Q q 0 0 0 rg BT 207.12 382.25 Td (The pension assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.25 Td (for the Company) Tj ET Q q 0 0 0 rg BT 106.54 370.25 Td (s non-U.S. Significant Plans are primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.25 Td (invested in publicly traded fixed income and publicly traded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.25 Td (equity securities.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.50 742.25 Td (Oversight and Risk Management Practices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 730.25 Td (The framework for the Company) Tj ET Q q 0 0 0 rg BT 463.46 730.25 Td (s pension oversight process ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 718.25 Td (includes monitoring of retirement plans by plan fiduciaries and/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 706.25 Td (or management at the global, regional or country level, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 694.25 Td (appropriate. Independent Risk Management contributes to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 682.25 Td (risk oversight and monitoring for the Company) Tj ET Q q 0 0 0 rg BT 520.14 682.25 Td (s U.S. qualified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 670.25 Td (pension plan and non-U.S. Significant Pension Plans. ) Tj ET Q q 0 0 0 rg BT 544.05 670.25 Td (Although ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 658.25 Td (the specific components of the oversight process are tailored to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 646.25 Td (the requirements of each region, country and plan, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 634.25 Td (following elements are common to the Company) Tj ET Q q 0 0 0 rg BT 526.79 634.25 Td (s monitoring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 622.25 Td (and risk management process:) Tj ET Q BT /F1 5.00 Tf ET q 0 0 0 rg BT 328.50 616.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 604.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 604.25 Td (periodic asset/liability management studies and strategic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 592.25 Td (asset allocation reviews;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 580.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 580.25 Td (periodic monitoring of funding levels and funding ratios;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 568.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 568.25 Td (periodic monitoring of compliance with asset allocation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 556.25 Td (guidelines;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 544.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 544.25 Td (periodic monitoring of asset class and/or investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 532.25 Td (manager performance against benchmarks; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 520.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 520.25 Td (periodic risk capital analysis and stress testing.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.50 496.25 Td (Estimated Futur) Tj ET Q q 0 0 0 rg BT 399.15 496.25 Td (e Benefit Payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.79 496.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 484.25 Td (The Company expects to pay the following estimated benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 472.25 Td (payments in future years:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 416.75 76.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 416.75 41.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 416.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 416.75 41.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.00 416.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 386.75 76.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 386.75 41.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 386.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 386.75 41.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.00 386.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 356.75 76.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 356.75 41.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 356.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 356.75 41.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.00 356.75 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 405 437.75 m 446 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 437.75 m 493 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 437.75 m 534 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534 437.75 m 581 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 416.75 m 405 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405 416.75 m 446 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 416.75 m 493 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 437.75 m 534 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 416.75 m 534 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534 416.75 m 581 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 416.75 m 493 401.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 401.75 m 493 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 386.75 m 493 371.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 371.75 m 493 356.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 356.75 m 493 341.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329 326.75 m 405 326.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 405 326.75 m 446 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 341.75 m 493 326.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446 326.75 m 493 326.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493 326.75 m 534 326.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 534 326.75 m 581 326.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 442.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.10 442.20 Td (Pensionplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.90 451.20 Td (Postr) Tj ET Q q 0 0 0 rg BT 528.31 451.20 Td (etir) Tj ET Q q 0 0 0 rg BT 541.63 451.20 Td (ement) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.85 442.20 Td (benefitplans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 331.50 421.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.95 429.15 Td (U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.70 420.15 Td (plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.45 429.15 Td (Non-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.60 420.15 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.95 429.15 Td (U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.70 420.15 Td (plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.45 429.15 Td (Non-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.60 420.15 Td (U.S.plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 406.21 Td (2019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.50 406.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 406.21 Td (797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 406.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 406.21 Td (435) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 406.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.50 406.21 Td (62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 406.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 406.21 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 391.21 Td (2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 391.21 Td (828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 391.21 Td (417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.50 391.21 Td (62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 391.21 Td (75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 376.21 Td (2021) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 376.21 Td (847) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 376.21 Td (426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.50 376.21 Td (61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 376.21 Td (80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 361.21 Td (2022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 361.21 Td (857) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 361.21 Td (448) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.50 361.21 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 361.21 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 346.21 Td (2023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 346.21 Td (873) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 346.21 Td (471) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.50 346.21 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 346.21 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 331.21 Td (20242028) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 331.21 Td (4,365) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.25 331.21 Td (2,557) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 331.21 Td (252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 331.21 Td (547) 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 (167) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Post Employment Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (The Company sponsors U.S. post employment plans that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (provide income continuation and health and welfare benefits to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (certain eligible U.S. employees on long-term disability) Tj ET Q q 0 0 0 rg BT 254.75 706.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 694.25 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.44 694.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.03 694.25 Td ( and 2017, the plans) Tj ET Q q 0 0 0 rg BT 239.88 694.25 Td ( funded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (status recognized in the Company) Tj ET Q q 0 0 0 rg BT 174.30 682.25 Td (s Consolidated Balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (Sheet was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.77 670.25 Td ($\(32\) million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.82 670.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.26 670.25 Td ($\(46\) million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.31 670.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 256.97 670.25 Td (. ) Tj ET Q q 0 0 0 rg BT 261.79 670.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (pretax amounts recognized in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 156.51 658.25 Td (Accumulated other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (compr) Tj ET Q q 0 0 0 rg BT 61.18 646.25 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.70 646.25 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.86 646.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.45 646.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (2017 were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.43 634.25 Td ($\(15\) million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.48 634.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.92 634.25 Td ($3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.31 634.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 246.97 634.25 Td (. ) Tj ET Q q 0 0 0 rg BT 251.79 634.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (improvement in funded status as of December 31, 2017 was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (primarily due to the Company) Tj ET Q q 0 0 0 rg BT 159.31 610.25 Td (s funding of the ) Tj ET Q q 0 0 0 rg BT 224.68 610.25 Td (VEBA) Tj ET Q q 0 0 0 rg BT 251.35 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 253.67 610.25 Td (T) Tj ET Q q 0 0 0 rg BT 259.42 610.25 Td (rust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (during 2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 586.25 Td (The following table summarizes the components of net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (expense recognized in the Consolidated Statement of Income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (for the Company) Tj ET Q q 0 0 0 rg BT 106.54 562.25 Td (s U.S. post employment plans:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 527.75 115.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.50 527.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 527.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.50 527.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 491.75 115.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.50 491.75 47.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 491.75 47.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.50 491.75 47.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 458.75 115.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.50 458.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 458.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.50 458.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 430.75 115.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.50 430.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 430.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.50 430.75 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 198.5 539.75 m 245.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 539.75 m 292.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 527.75 m 151.5 527.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151.5 539.75 m 198.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151.5 527.75 m 198.5 527.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 539.75 m 245.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 527.75 m 245.5 527.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 539.75 m 292.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 527.75 m 292.5 527.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 430.75 m 151.5 430.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 416.75 m 151.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151.5 430.75 m 198.5 430.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151.5 416.75 m 198.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 430.75 m 245.5 430.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 416.75 m 245.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 430.75 m 292.5 430.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 416.75 m 292.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 416.75 m 151.5 416.75 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 151.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151.5 416.75 m 198.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151.5 396.75 m 198.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 416.75 m 245.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 396.75 m 245.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 416.75 m 292.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 396.75 m 292.5 396.75 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 151.5 382.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 151.5 382.75 m 198.5 382.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 382.75 m 245.5 382.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 396.75 m 292.5 396.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 382.75 m 292.5 382.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 543.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.60 543.15 Td (Net expense) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 531.70 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 165.50 531.15 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.50 531.01 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.50 531.01 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 519.15 Td (Service-r) Tj ET Q q 0 0 0 rg BT 73.89 519.15 Td (elated expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 519.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 519.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.00 519.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 505.21 Td (Interest cost on benefit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 496.21 Td (obligation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 154.00 496.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.50 496.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.50 496.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 496.21 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 483.01 Td (Expected return on plan) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 474.06 Td (assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.50 477.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 477.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 477.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 477.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 463.21 Td (Amortization of unrecognized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 449.21 Td ( Prior service \(benefit\) cost) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 449.20 Td (\(23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 449.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 449.21 Td (\(31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 449.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.00 449.21 Td (\(31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.00 449.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 435.21 Td ( Net actuarial loss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.50 435.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.50 435.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 435.21 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 421.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 421.20 Td (otal service-r) Tj ET Q q 0 0 0 rg BT 94.32 421.20 Td (elated benefit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 154.00 421.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 421.20 Td (\(20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 421.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 421.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 421.21 Td (\(27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 421.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 421.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.00 421.21 Td (\(23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.00 421.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 401.21 Td (Non-service-related expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.50 401.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 401.21 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 401.21 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 387.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 387.20 Td (otal net expense \(benefit\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 154.00 387.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 387.20 Td (\(18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 387.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 387.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.50 387.21 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 387.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 387.21 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.00 387.21 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 359.25 Td (The following table summarizes certain assumptions used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 347.25 Td (in determining the post employment benefit obligations and net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 335.25 Td (benefit expense for the Company) Tj ET Q q 0 0 0 rg BT 171.51 335.25 Td (s U.S. post employment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 323.25 Td (plans:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 299.75 175.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.50 299.75 35.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.50 299.75 35.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 270.75 175.00 -4.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.50 270.75 35.00 -4.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.50 270.75 35.00 -4.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 252.75 175.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.50 252.75 35.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.50 252.75 35.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 212.75 175.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.50 212.75 35.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.50 212.75 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 36.5 299.75 m 211.5 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211.5 299.75 m 246.5 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 299.75 m 281.5 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 299.75 m 281.5 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 212.75 m 281.5 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 212.75 m 211.5 212.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 197.75 m 211.5 197.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211.5 212.75 m 246.5 212.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 211.5 197.75 m 246.5 197.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 212.75 m 281.5 212.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 197.75 m 281.5 197.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 304.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.50 304.15 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 254.50 304.01 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 289.20 Td (Discount rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.10 289.20 Td (3.95%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.85 289.21 Td (3.20%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 275.20 Td (Expected r) Tj ET Q q 0 0 0 rg BT 80.66 275.20 Td (eturn on assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.60 275.20 Td (3.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.60 275.21 Td (3.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 257.20 Td (Health car) Tj ET Q q 0 0 0 rg BT 79.57 257.20 Td (e cost incr) Tj ET Q q 0 0 0 rg BT 118.40 257.20 Td (ease rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.50 257.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 242.21 Td (Following year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.60 242.20 Td (7.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.60 242.21 Td (6.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 226.21 Td (Ultimate rate to which cost increase is) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 217.21 Td (assumed to decline) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.60 217.20 Td (5.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.60 217.21 Td (5.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 202.21 Td (Y) Tj ET Q q 0 0 0 rg BT 44.60 202.21 Td (ear in which the ultimate rate is reached) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.50 202.20 Td (2027) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 254.50 202.21 Td (2023) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.50 742.25 Td (Defined Contribution Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 730.25 Td (The Company sponsors defined contribution plans in the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 718.25 Td (and in certain non-U.S. locations, all of which are administered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 706.25 Td (in accordance with local laws. ) Tj ET Q q 0 0 0 rg BT 451.60 706.25 Td (The most significant defined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 694.25 Td (contribution plan is the Citi Retirement Savings Plan \(formerly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 682.25 Td (known as the Citigroup 401\(k\)Plan\) sponsored by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 670.25 Td (Company in the U.S.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 658.25 Td (Under the Citi Retirement SavingsPlan, eligible U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 646.25 Td (employees received matching contributions of up to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.72 646.25 Td (6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.05 646.25 Td ( of their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 634.25 Td (eligible compensation for 2018 and 2017, subject to statutory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 622.25 Td (limits. ) Tj ET Q q 0 0 0 rg BT 355.73 622.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 405.63 622.25 Td (, for eligible employees whose eligible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 610.25 Td (compensation is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.71 610.25 Td ($100,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.21 610.25 Td ( or less, a fixed contribution of up to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 598.25 Td (2%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.83 598.25 Td ( of eligible compensation is provided. ) Tj ET Q q 0 0 0 rg BT 494.86 598.25 Td (All Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 586.25 Td (contributions are invested according to participants) Tj ET Q q 0 0 0 rg BT 535.75 586.25 Td ( individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 574.25 Td (elections. ) Tj ET Q q 0 0 0 rg BT 368.86 574.25 Td (The following table summarizes the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.50 562.25 Td (contributions for the defined contribution plans:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 521.75 101.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 521.75 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 521.75 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.00 521.75 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 468.75 101.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 468.75 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 468.75 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.00 468.75 48.00 -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 430 536.75 m 478 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 536.75 m 526 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526 536.75 m 574 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 521.75 m 430 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 521.75 m 478 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 521.75 m 526 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526 521.75 m 574 521.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329 506.75 m 430 506.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 430 506.75 m 478 506.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478 506.75 m 526 506.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 526 506.75 m 574 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 483.75 m 478 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 483.75 m 526 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526 483.75 m 574 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 468.75 m 430 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 483.75 m 478 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 468.75 m 478 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 483.75 m 526 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 468.75 m 526 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526 483.75 m 574 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526 468.75 m 574 468.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329 453.75 m 430 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 468.75 m 478 468.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 430 453.75 m 478 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 468.75 m 526 468.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478 453.75 m 526 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526 468.75 m 574 468.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 526 453.75 m 574 453.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 541.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.10 541.20 Td (U.S. plans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 331.50 526.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.50 526.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 526.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.50 526.21 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 511.21 Td (Company contributions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.50 511.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.65 511.20 Td (396) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 511.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.65 511.21 Td (383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.50 511.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.65 511.21 Td (371) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 488.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.60 488.20 Td (Non-U.S. plans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 331.50 473.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.50 473.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 473.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.50 473.21 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 458.21 Td (Company contributions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.50 458.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.65 458.20 Td (283) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 458.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.65 458.21 Td (270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.50 458.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.65 458.21 Td (268) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 337 0 obj <> endobj 338 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (168) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (9. 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 /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 69.98 725.25 Td (T) Tj ET Q q 0 0 0 rg BT 75.73 725.25 Td (ax Pr) Tj ET Q q 0 0 0 rg BT 98.60 725.25 Td (ovision) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (Details of the Company) Tj ET Q q 0 0 0 rg BT 134.04 713.25 Td (s income tax provision are presented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (below: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 676.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 676.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 676.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 676.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 648.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 648.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 648.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 648.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 620.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 620.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 620.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 620.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 592.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 592.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 592.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 592.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 564.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 564.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 564.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 564.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 536.75 147.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 536.75 35.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 536.75 35.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 536.75 35.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 481.75 147.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 481.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 481.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 481.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 444.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 444.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 444.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 444.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 416.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 416.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 416.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 416.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 388.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 388.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 388.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 388.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 360.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 360.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 360.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 360.75 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 36.5 676.75 m 183.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 676.75 m 218.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 676.75 m 253.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 676.75 m 288.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 620.75 m 183.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 606.75 m 183.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 620.75 m 218.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 606.75 m 218.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 620.75 m 253.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 606.75 m 253.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 620.75 m 288.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 606.75 m 288.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 550.75 m 183.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 536.75 m 183.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 550.75 m 218.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 536.75 m 218.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 550.75 m 253.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 536.75 m 253.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 550.75 m 288.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 536.75 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 36.5 346.75 m 183.5 346.75 l s 0 0 0 RG /GS0 gs 2.00 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 183.5 346.75 m 218.5 346.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 323.75 m 218.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 346.75 m 253.5 346.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 323.75 m 253.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 346.75 m 288.5 346.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 323.75 m 288.5 323.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 681.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.50 681.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.50 681.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 681.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 667.20 Td (Curr) Tj ET Q q 0 0 0 rg BT 58.41 667.20 Td (ent) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 667.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 667.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 667.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 653.21 Td (Federal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 653.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.50 653.20 Td (834) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 653.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 653.21 Td (332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 653.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 653.21 Td (1,016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 639.21 Td (Non-U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 639.20 Td (4,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.75 639.21 Td (3,910) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 639.21 Td (3,585) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 625.21 Td (State) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.50 625.20 Td (284) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 625.21 Td (269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 625.21 Td (384) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 611.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 611.20 Td (otal curr) Tj ET Q q 0 0 0 rg BT 77.83 611.20 Td (ent income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 611.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 611.20 Td (5,408) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 611.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.75 611.21 Td (4,51) Tj ET Q q 0 0 0 rg BT 245.50 611.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 611.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 611.21 Td (4,985) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 597.20 Td (Deferr) Tj ET Q q 0 0 0 rg BT 64.39 597.20 Td (ed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 597.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 597.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 597.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 583.21 Td (Federal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 583.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.50 583.20 Td (\(620) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 583.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 583.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.25 583.21 Td (24,902) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 583.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 583.21 Td (1,280) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 569.21 Td (Non-U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.50 569.20 Td (371) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.50 569.21 Td (\(377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 569.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 569.21 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 555.21 Td (State) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.50 555.20 Td (198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 555.21 Td (352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 555.21 Td (126) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 541.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 541.20 Td (otal deferr) Tj ET Q q 0 0 0 rg BT 84.82 541.20 Td (ed income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 541.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 541.20 Td (\(51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 541.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 541.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.25 541.21 Td (24,877) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 541.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 541.21 Td (1,459) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 527.20 Td (Pr) Tj ET Q q 0 0 0 rg BT 48.33 527.20 Td (ovision for) Tj ET Q q 0 0 0 rg BT 88.92 527.20 Td ( income tax on ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 518.20 Td (continuing operations befor) Tj ET Q q 0 0 0 rg BT 145.34 518.20 Td (e ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 509.20 Td (noncontr) Tj ET Q q 0 0 0 rg BT 73.84 509.20 Td (olling inter) Tj ET Q q 0 0 0 rg BT 115.93 509.20 Td (ests) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 129.92 513.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 509.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 509.20 Td (5,357) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 509.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.25 509.21 Td (29,388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 509.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 509.21 Td (6,444) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 495.21 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 486.21 Td (on discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 486.20 Td (\(18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 486.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.50 486.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 486.21 Td (\(22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 486.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 472.21 Td (Income tax expense \(benefit\) reported) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 463.21 Td (in stockholders) Tj ET Q q 0 0 0 rg BT 96.07 463.21 Td ( equity related to:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 463.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 463.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 463.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 449.21 Td (FX translation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.50 449.20 Td (\(263) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 449.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 449.21 Td (188) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 449.21 Td (\(402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 449.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 435.21 Td (Investment securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.50 435.20 Td (\(346) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 435.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.50 435.21 Td (\(149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 435.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 435.21 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 421.21 Td (Employee stock plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.50 421.20 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 421.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 421.21 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 421.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 421.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 407.21 Td (Cash flow hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.50 407.20 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 407.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 407.21 Td (\(12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 407.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 407.21 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 393.21 Td (Benefit plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 393.20 Td (\(20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 393.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 393.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 393.21 Td (\(30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 393.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 379.21 Td (FVO DV) Tj ET Q q 0 0 0 rg BT 77.67 379.21 Td (A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.50 379.20 Td (302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.50 379.21 Td (\(250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 379.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 379.21 Td (\(201) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 379.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 365.21 Td (Excluded fair value hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 365.20 Td (\(17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 365.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 365.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 365.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 351.21 Td (Retained earnings) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 109.73 355.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.50 351.20 Td (\(305) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 351.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.50 351.21 Td (\(295) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 351.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 351.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 337.20 Td (Income taxes befor) Tj ET Q q 0 0 0 rg BT 111.82 337.20 Td (e noncontr) Tj ET Q q 0 0 0 rg BT 152.90 337.20 Td (olling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 328.20 Td (inter) Tj ET Q q 0 0 0 rg BT 57.33 328.20 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 328.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 328.20 Td (4,680) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 328.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.25 328.21 Td (28,886) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 328.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 328.21 Td (5,888) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 306.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 306.65 Td (Includes the ef) Tj ET Q q 0 0 0 rg BT 100.95 306.65 Td (fect of securities transactions and other) Tj ET Q q 0 0 0 rg BT 225.85 306.65 Td (-than-temporary-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 297.05 Td (impairment losses resulting in a provision \(benefit\) of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 228.19 297.05 Td ($104 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 269.30 297.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 287.45 Td ($\(32\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 96.44 287.45 Td ( in 2018, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 126.66 287.45 Td ($272 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 167.78 287.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 183.33 287.45 Td ($\(22\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 225.77 287.45 Td ( in 2017 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 267.54 287.45 Td ($332 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 277.85 Td (million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 77.11 277.85 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 92.66 277.85 Td ($\(217\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 139.11 277.85 Td ( in 2016, respectively) Tj ET Q q 0 0 0 rg BT 207.46 277.85 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 268.25 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 268.25 Td (2018 reflects the tax ef) Tj ET Q q 0 0 0 rg BT 127.16 268.25 Td (fect of the accounting change for ) Tj ET Q q 0 0 0 rg BT 234.22 268.25 Td (ASU 2016-16 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 258.65 Td (and the tax ef) Tj ET Q q 0 0 0 rg BT 97.17 258.65 Td (fect of the accounting change for ) Tj ET Q q 0 0 0 rg BT 204.23 258.65 Td (ASU 2018-03, to report ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 249.05 Td (the net unrealized gains on former ) Tj ET Q q 0 0 0 rg BT 165.07 249.05 Td (AFS equity securities. 2017 reflects ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 239.45 Td (the tax ef) Tj ET Q q 0 0 0 rg BT 83.62 239.45 Td (fect of the accounting change for ) Tj ET Q q 0 0 0 rg BT 190.68 239.45 Td (ASU 2017-08.See Note 1 to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 229.85 Td (the Consolidated Financial Statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 205.85 Td () Tj ET Q BT /F2 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 329.75 749.25 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 \(before noncontrolling interests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (and the cumulative ef) Tj ET Q q 0 0 0 rg BT 410.17 701.25 Td (fect of accounting changes\) 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 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 664.75 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 664.75 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 664.75 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 628.75 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 628.75 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 628.75 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 628.75 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 602.75 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 602.75 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 602.75 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 602.75 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 576.75 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 576.75 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 576.75 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 576.75 35.00 -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 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 324.5 563.75 m 471.5 563.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 550.75 m 471.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 563.75 m 506.5 563.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 550.75 m 506.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 563.75 m 541.5 563.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 550.75 m 541.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 563.75 m 576.5 563.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 550.75 m 576.5 550.75 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 (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 669.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 669.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 656.15 Td (Federal statutory rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 656.15 Td (21.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 656.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.75 656.01 Td (35.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 656.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 656.01 Td (35.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 656.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 642.21 Td (State income taxes, net of federal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 633.21 Td (benefit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 633.20 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.25 633.21 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 633.21 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 620.01 Td (Non-U.S. income tax rate dif) Tj ET Q q 0 0 0 rg BT 431.39 620.01 Td (ferential) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 620.15 Td (5.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 620.01 Td (\(1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 620.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.25 620.01 Td (\(3.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 620.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 607.01 Td (Ef) Tj ET Q q 0 0 0 rg BT 335.33 607.01 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 418.29 611.09 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.75 607.15 Td (\(0.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 607.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.75 607.01 Td (99.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 607.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 594.01 Td (Basis dif) Tj ET Q q 0 0 0 rg BT 358.67 594.01 Td (ference in af) Tj ET Q q 0 0 0 rg BT 403.47 594.01 Td (filiates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.75 594.15 Td (\(2.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 594.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 594.01 Td (\(2.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 594.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.25 594.01 Td (\(0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 594.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 581.01 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 581.01 Td (ax advantaged investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.75 581.15 Td (\(2.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 581.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 581.01 Td (\(2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 581.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.25 581.01 Td (\(2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 581.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 568.01 Td (Other) Tj ET Q q 0 0 0 rg BT 347.13 568.01 Td (, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.75 568.15 Td (\(0.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 568.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 568.01 Td (\(0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 568.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.25 568.01 Td (\(0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 568.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 555.15 Td (Effective income tax rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 555.15 Td (22.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 555.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 555.01 Td (129.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 555.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 555.01 Td (30.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 555.01 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 533.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 533.65 Td (2018 includes one-time ) Tj ET Q q 0 0 0 rg BT 418.95 533.65 Td (T) Tj ET Q q 0 0 0 rg BT 423.28 533.65 Td (ax Reform benefits of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.25 533.65 Td ($94 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.37 533.65 Td ( for amounts ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 524.05 Td (that were considered provisional pursuant to SAB 1) Tj ET Q q 0 0 0 rg BT 507.23 524.05 Td (18. 2017 includes the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 514.45 Td (one-time ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 372.43 514.45 Td ($22,594 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.55 514.45 Td ( char) Tj ET Q q 0 0 0 rg BT 439.17 514.45 Td (ge for ) Tj ET Q q 0 0 0 rg BT 459.90 514.45 Td (T) Tj ET Q q 0 0 0 rg BT 464.23 514.45 Td (ax Reform.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 502.45 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 490.45 Td (As set forth in the table above, Citi) Tj ET Q q 0 0 0 rg BT 484.75 490.45 Td (s ef) Tj ET Q q 0 0 0 rg BT 498.73 490.45 Td (fective tax rate for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 478.45 Td (2018 was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.55 478.45 Td (22.8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.38 478.45 Td ( \() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.21 478.45 Td (23.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.04 478.45 Td ( excluding the ef) Tj ET Q q 0 0 0 rg BT 488.78 478.45 Td (fect of provisional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 466.45 Td (amounts pursuant to SAB 1) Tj ET Q q 0 0 0 rg BT 434.19 466.45 Td (18\). ) Tj ET Q q 0 0 0 rg BT 452.33 466.45 Td (The rate is lower than the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 454.45 Td (29.8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.83 454.45 Td ( reported in 2017 \(excluding the one-time impact of ) Tj ET Q q 0 0 0 rg BT 559.31 454.45 Td (T) Tj ET Q q 0 0 0 rg BT 564.72 454.45 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 442.45 Td (Reform\) primarily due to the U.S. statutory rate reduction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 430.45 Td (from 35% to 21% as part of ) Tj ET Q q 0 0 0 rg BT 437.40 430.45 Td (T) Tj ET Q q 0 0 0 rg BT 442.81 430.45 Td (ax Reform.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 406.45 Td (Deferr) Tj ET Q q 0 0 0 rg BT 352.13 406.45 Td (ed Income ) Tj ET Q q 0 0 0 rg BT 398.60 406.45 Td (T) Tj ET Q q 0 0 0 rg BT 404.36 406.45 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 394.45 Td (Deferred income taxes at December31 related to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 382.45 Td (following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 357.95 182.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 357.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 357.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 331.95 182.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 331.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 331.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 305.95 182.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 305.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 305.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 279.95 182.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 279.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 279.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 253.95 182.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 253.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 253.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 227.95 182.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 227.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 227.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 201.95 182.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 201.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 201.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 175.95 182.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 175.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 175.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 149.95 182.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 149.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 149.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 123.95 182.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 123.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 123.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 97.95 182.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 97.95 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 97.95 35.00 -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 324.5 357.95000000000005 m 506.5 357.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 357.95000000000005 m 541.5 357.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 357.95000000000005 m 576.5 357.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 357.95000000000005 m 541.5 357.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 357.95000000000005 m 576.5 357.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 227.95000000000005 m 506.5 227.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 214.95000000000005 m 506.5 214.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 227.95000000000005 m 541.5 227.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 214.95000000000005 m 541.5 214.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 227.95000000000005 m 576.5 227.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 214.95000000000005 m 576.5 214.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 201.95000000000005 m 506.5 201.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 188.95000000000005 m 506.5 188.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 201.95000000000005 m 541.5 201.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 188.95000000000005 m 541.5 188.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 201.95000000000005 m 576.5 201.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 188.95000000000005 m 576.5 188.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 110.95000000000005 m 506.5 110.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 97.95000000000005 m 506.5 97.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 110.95000000000005 m 541.5 110.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 97.95000000000005 m 541.5 97.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 110.95000000000005 m 576.5 110.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 97.95000000000005 m 576.5 97.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 84.95000000000005 m 506.5 84.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 97.95000000000005 m 541.5 97.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 84.95000000000005 m 541.5 84.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 97.95000000000005 m 576.5 97.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 84.95000000000005 m 576.5 84.95000000000005 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 362.20 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.50 362.40 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 362.41 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 349.35 Td (Deferr) Tj ET Q q 0 0 0 rg BT 352.39 349.35 Td (ed tax assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 349.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 349.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 336.21 Td (Credit loss deduction) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 336.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.75 336.35 Td (3,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 336.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 336.21 Td (3,423) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 323.21 Td (Deferred compensation and employee benefits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.75 323.35 Td (1,975) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 323.21 Td (1,585) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 310.21 Td (Repositioning and settlement reserves) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.50 310.35 Td (428) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 310.21 Td (454) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 297.21 Td (U.S. tax on non-U.S. earnings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.75 297.35 Td (2,080) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 297.21 Td (2,452) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 284.21 Td (Investment and loan basis dif) Tj ET Q q 0 0 0 rg BT 432.40 284.21 Td (ferences) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.75 284.35 Td (4,891) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 284.21 Td (3,384) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 271.21 Td (Cash flow hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.50 271.35 Td (240) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 271.21 Td (233) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 258.21 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 258.21 Td (ax credit and net operating loss carry-forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 258.35 Td (20,759) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 258.21 Td (21,575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 245.21 Td (Fixed assets and leases) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.75 245.35 Td (1,006) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 245.21 Td (1,090) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 232.21 Td (Other deferred tax assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.75 232.35 Td (2,145) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 232.21 Td (1,988) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 219.21 Td (Gross deferred tax assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 219.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 219.35 Td (36,943) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 219.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 219.21 Td (36,184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 206.21 Td (V) Tj ET Q q 0 0 0 rg BT 333.00 206.21 Td (aluation allowance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 206.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.75 206.35 Td (9,258) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 206.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 206.21 Td (9,387) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 193.35 Td (Deferr) Tj ET Q q 0 0 0 rg BT 352.39 193.35 Td (ed tax assets after) Tj ET Q q 0 0 0 rg BT 420.46 193.35 Td ( valuation allowance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 193.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 193.35 Td (27,685) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 193.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 193.21 Td (26,797) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 180.35 Td (Deferr) Tj ET Q q 0 0 0 rg BT 352.39 180.35 Td (ed tax liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 180.35 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 180.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 167.21 Td (Intangibles) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 167.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.50 167.35 Td (\(975) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 167.35 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 167.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 167.21 Td (\(1,247) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 167.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 154.21 Td (Debt issuances) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.50 154.35 Td (\(530) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 154.35 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 154.21 Td (\(294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 154.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 141.21 Td (Non-U.S. withholding taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.75 141.35 Td (\(1,040) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 141.35 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 141.21 Td (\(668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 141.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 128.21 Td (Interest-related items) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.50 128.35 Td (\(594) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 128.35 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 128.21 Td (\(562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 128.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 115.21 Td (Other deferred tax liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.75 115.35 Td (\(1,643) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 115.35 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 115.21 Td (\(1,545) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 115.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 102.21 Td (Gross deferred tax liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 102.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.75 102.35 Td (\(4,782) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 102.35 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 102.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 102.21 Td (\(4,316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 102.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 89.35 Td (Net deferr) Tj ET Q q 0 0 0 rg BT 366.56 89.35 Td (ed tax assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 89.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 89.35 Td (22,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 89.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 89.21 Td (22,481) 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 33.60 Td (169) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Unr) Tj ET Q q 0 0 0 rg BT 53.04 749.25 Td (ecognized ) Tj ET Q q 0 0 0 rg BT 97.02 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 102.77 749.25 Td (ax Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The following is a rollforward of the Company) Tj ET Q q 0 0 0 rg BT 226.79 737.25 Td (s unrecognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (tax benefits:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 701.75 147.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 701.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 701.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 701.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 655.75 147.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 655.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 655.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 655.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 609.75 147.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 609.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 609.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 609.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 563.75 147.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 563.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 563.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 563.75 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 36.5 701.75 m 183.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 701.75 m 218.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 701.75 m 253.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 701.75 m 288.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 701.75 m 218.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 701.75 m 253.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 701.75 m 288.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 540.75 m 183.5 540.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 517.75 m 183.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 540.75 m 218.5 540.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 517.75 m 218.5 517.75 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 253.5 540.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 517.75 m 253.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 540.75 m 288.5 540.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 517.75 m 288.5 517.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 706.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.50 706.15 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.50 706.01 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 706.01 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 692.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 692.20 Td (otal unr) Tj ET Q q 0 0 0 rg BT 74.85 692.20 Td (ecognized tax benefits at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 683.20 Td (January1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 683.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 683.20 Td (1,013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.75 683.21 Td (1,092) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 683.21 Td (1,235) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 669.21 Td (Net amount of increases for current) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 660.21 Td (year) Tj ET Q q 0 0 0 rg BT 54.65 660.21 Td () Tj ET Q q 0 0 0 rg BT 57.57 660.21 Td (s tax positions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.00 660.20 Td (40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 660.21 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 660.21 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 646.21 Td (Gross amount of increases for prior) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 637.21 Td (years) Tj ET Q q 0 0 0 rg BT 60.65 637.21 Td ( tax positions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.00 637.20 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 637.21 Td (324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 637.21 Td (273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 623.21 Td (Gross amount of decreases for prior) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 614.21 Td (years) Tj ET Q q 0 0 0 rg BT 60.65 614.21 Td ( tax positions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.50 614.20 Td (\(174) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 614.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.50 614.21 Td (\(246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 614.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 614.21 Td (\(225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 614.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 600.21 Td (Amounts of decreases relating to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 591.21 Td (settlements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.50 591.20 Td (\(283) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 591.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.50 591.21 Td (\(199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 591.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 591.21 Td (\(174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 591.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 577.21 Td (Reductions due to lapse of statutes of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 568.21 Td (limitation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 568.20 Td (\(23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 568.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 568.21 Td (\(1) Tj ET Q q 0 0 0 rg BT 245.50 568.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 568.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 568.21 Td (\(21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 568.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 554.21 Td (Foreign exchange, acquisitions and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 545.21 Td (dispositions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 545.20 Td (\(12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 545.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 545.21 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 545.21 Td (\(30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 545.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 531.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 531.20 Td (otal unr) Tj ET Q q 0 0 0 rg BT 74.77 531.20 Td (ecognized tax benefits at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 522.20 Td (December) Tj ET Q q 0 0 0 rg BT 77.81 522.20 Td (31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.50 522.20 Td (607) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.75 522.21 Td (1,013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 522.21 Td (1,092) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (The total amounts of unrecognized tax benefits at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (December 31, 2018, 2017 and 2016 that, if recognized, would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (af) Tj ET Q q 0 0 0 rg BT 331.59 725.10 Td (fect Citi) Tj ET Q q 0 0 0 rg BT 366.86 725.10 Td (s tax expense, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.88 725.10 Td ($0.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.99 725.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.99 725.10 Td ($0.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.11 725.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 556.54 725.10 Td ($0.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.11 713.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 402.77 713.10 Td (. ) Tj ET Q q 0 0 0 rg BT 407.59 713.10 Td (The remaining uncertain tax positions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (have of) Tj ET Q q 0 0 0 rg BT 353.53 701.10 Td (fsetting amounts in other jurisdictions or are temporary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (dif) Tj ET Q q 0 0 0 rg BT 334.93 689.10 Td (ferences.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 677.10 Td (Interest and penalties \(not included in unrecognized tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (benefits above\) are a component of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 471.71 665.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 481.34 665.10 Td (ovision for income ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.55 653.10 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 461.75 304.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 461.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 461.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 461.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 461.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 461.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 461.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 433.75 304.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 433.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 433.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 433.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 433.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 433.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 433.75 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 340.5 474.75 m 375.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 474.75 m 422.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 474.75 m 454.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 474.75 m 499.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 474.75 m 531.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 474.75 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 36.5 461.75 m 340.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 461.75 m 375.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 474.75 m 422.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 474.75 m 422.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 461.75 m 422.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 461.75 m 454.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 474.75 m 499.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 474.75 m 499.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 461.75 m 499.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 461.75 m 531.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 474.75 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 531.5 461.75 m 576.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 461.75 m 375.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 461.75 m 422.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 461.75 m 422.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 461.75 m 454.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 461.75 m 499.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 461.75 m 499.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 461.75 m 531.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 461.75 m 576.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 447.75 m 422.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 447.75 m 499.5 433.75 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 340.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 419.75 m 375.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 433.75 m 422.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 419.75 m 422.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 419.75 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 499.5 433.75 m 499.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 419.75 m 499.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 419.75 m 531.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 419.75 m 576.5 419.75 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 39.00 477.47 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 479.15 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 479.01 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.50 479.01 Td (2016) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 466.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.80 466.15 Td (Pr) Tj ET Q q 0 0 0 rg BT 354.21 466.15 Td (etax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.75 466.15 Td (Netof tax) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.50 466.01 Td (Pretax) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.50 466.01 Td (Netoftax) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.50 466.01 Td (Pretax) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 466.01 Td (Netoftax) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 452.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 452.21 Td (otal interest and penalties on the Consolidated Balance Sheet at January1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.00 452.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 452.20 Td (121) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 452.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.50 452.20 Td (101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 452.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 452.21 Td (260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 452.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 452.21 Td (164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 452.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 452.21 Td (233) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 452.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 452.21 Td (146) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 438.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 438.21 Td (otal interest and penalties in the Consolidated Statement of Income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.50 438.20 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.50 438.20 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 438.21 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 438.21 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 438.21 Td (105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 438.21 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 424.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 424.21 Td (otal interest and penalties on 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 322.53 428.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 424.20 Td (103) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 424.20 Td (85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 424.21 Td (121) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 424.21 Td (101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 424.21 Td (260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 424.21 Td (164) 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 (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.10 402.65 Td ($2 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 116.21 402.65 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.21 402.65 Td ($3 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.33 402.65 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 168.88 402.65 Td ($3 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.99 402.65 Td ( for non-U.S. penalties in 2018, 2017 and 2016. ) Tj ET Q q 0 0 0 rg BT 355.98 402.65 Td (Also includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.75 402.65 Td ($1 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.86 402.65 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.86 402.65 Td ($3 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.98 402.65 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.53 402.65 Td ($3 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.64 402.65 Td ( for state ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 393.05 Td (penalties in 2018, 2017 and 2016.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 369.05 Td (As of December 31, 2018, Citi was under audit by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 357.05 Td (Internal Revenue Service and other major taxing jurisdictions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 345.05 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 36.00 333.05 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 36.00 321.05 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 36.00 309.05 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 36.00 297.05 Td (change to its ef) Tj ET Q q 0 0 0 rg BT 96.63 297.05 Td (fective tax rate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 285.05 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 36.00 273.05 Td (Company and its af) Tj ET Q q 0 0 0 rg BT 113.86 273.05 Td (filiates operate and the earliest tax year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 261.05 Td (subject to examination:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 237.55 205.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 237.55 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 211.55 205.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 211.55 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 185.55 205.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 185.55 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 159.55 205.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 159.55 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 36.5 237.54999999999995 m 241.5 237.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 237.54999999999995 m 288.5 237.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 133.54999999999995 m 241.5 133.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 133.54999999999995 m 288.5 133.54999999999995 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 241.95 Td (Jurisdiction) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.85 241.95 Td (T) Tj ET Q q 0 0 0 rg BT 253.03 241.95 Td (axyear) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 228.81 Td (United States) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 228.81 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 215.81 Td (Mexico) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 215.81 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 202.81 Td (New ) Tj ET Q q 0 0 0 rg BT 58.08 202.81 Td (Y) Tj ET Q q 0 0 0 rg BT 63.96 202.81 Td (ork State and City) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 202.81 Td (2009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 189.81 Td (United Kingdom) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 189.81 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 176.81 Td (India) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 176.81 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 163.81 Td (Singapore) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.30 163.81 Td (201) Tj ET Q q 0 0 0 rg BT 280.63 163.81 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 150.81 Td (Hong Kong) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 150.81 Td (2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 137.81 Td (Ireland) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 137.81 Td (2014) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 369.05 Td (Non-U.S. Earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 357.05 Td (Non-U.S. pretax earnings approximated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.18 357.05 Td ($16.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.29 357.05 Td ( in 2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 345.05 Td (\(of which a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.04 345.05 Td ($21 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.43 345.05 Td ( loss was recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 504.80 345.05 Td (Discontinued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 333.05 Td (operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.78 333.05 Td (\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.11 333.05 Td ($13.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.22 333.05 Td ( in 2017 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.44 333.05 Td ($1) Tj ET Q q 0 0 0 rg BT 488.07 333.05 Td (1.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.18 333.05 Td ( in 2016. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 321.05 Td (As a U.S. corporation, Citigroup and its U.S. subsidiaries are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 309.05 Td (currently subject to U.S. taxation on all non-U.S. pretax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 297.05 Td (earnings of non-U.S. branches. Beginning in 2018, there is a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 285.05 Td (separate foreign tax credit \(FTC\) basket for branches. ) Tj ET Q q 0 0 0 rg BT 540.30 285.05 Td (Also, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 273.05 Td (dividends from a non-U.S. subsidiary or af) Tj ET Q q 0 0 0 rg BT 494.90 273.05 Td (filiate are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 261.05 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 261.05 Td (fectively exempt from U.S. taxation. ) Tj ET Q q 0 0 0 rg BT 480.25 261.05 Td (The Company provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 249.05 Td (income taxes on the book over tax basis dif) Tj ET Q q 0 0 0 rg BT 497.11 249.05 Td (ferences of non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 237.05 Td (U.S. subsidiaries except to the extent that such dif) Tj ET Q q 0 0 0 rg BT 523.78 237.05 Td (ferences are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 225.05 Td (indefinitely reinvested outside the U.S.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 213.05 Td (At December 31, 2018, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.08 213.05 Td ($15.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.20 213.05 Td ( of basis dif) Tj ET Q q 0 0 0 rg BT 535.96 213.05 Td (ferences ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 201.05 Td (of non-U.S. subsidiaries was indefinitely invested. ) Tj ET Q q 0 0 0 rg BT 527.58 201.05 Td (At the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 189.05 Td (existing tax rates, additional taxes \(net of U.S. FTCs\) of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.35 189.05 Td ($4.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 177.05 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.11 177.05 Td ( would have to be provided if such basis dif) Tj ET Q q 0 0 0 rg BT 524.62 177.05 Td (ferences ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 165.05 Td (were realized.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 153.05 Td (Income taxes are not provided for the Company) Tj ET Q q 0 0 0 rg BT 536.11 153.05 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 141.05 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 324.00 129.05 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 324.00 117.05 Td (become payable only to the extent that such amounts are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 105.05 Td (distributed in excess of limits prescribed by federal law) Tj ET Q q 0 0 0 rg BT 544.95 105.05 Td (. ) Tj ET Q q 0 0 0 rg BT 549.40 105.05 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 93.05 Td (December 31, 2018, the amount of the base year reserves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 81.05 Td (totaled approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.97 81.05 Td ($358 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.36 81.05 Td ( \(subject to a tax of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.78 81.05 Td ($75 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 69.05 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.89 69.05 Td (\).) 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 33.60 Td (170) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Deferr) Tj ET Q q 0 0 0 rg BT 64.13 749.25 Td (ed ) Tj ET Q q 0 0 0 rg BT 76.44 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 82.20 749.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 94.14 749.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (As of December 31, 2018, Citi had a valuation allowance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td ($9.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.11 725.25 Td (, composed of valuation allowances of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.46 725.25 Td ($6.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.57 725.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (on its FTC carry-forwards, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.70 713.25 Td ($1.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.81 713.25 Td ( on its U.S. residual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (DT) Tj ET Q q 0 0 0 rg BT 48.53 701.25 Td (A) Tj ET Q q 0 0 0 rg BT 55.20 701.25 Td ( related to its non-U.S. branches, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.78 701.25 Td ($1.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.89 701.25 Td ( on local ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (non-U.S. DT) Tj ET Q q 0 0 0 rg BT 87.14 689.25 Td (As and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.69 689.25 Td ($0.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.81 689.25 Td ( on state net operating loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (carry-forwards. ) Tj ET Q q 0 0 0 rg BT 100.23 677.25 Td (The valuation allowance against FTCs results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (from the impact of the lower tax rate and the new separate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (FTC basket for non-U.S. branches, as well as the diminished ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (ability under ) Tj ET Q q 0 0 0 rg BT 89.14 641.25 Td (T) Tj ET Q q 0 0 0 rg BT 94.55 641.25 Td (ax Reform to generate income from sources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (outside the U.S. to support FTC utilization. ) Tj ET Q q 0 0 0 rg BT 211.37 629.25 Td (The absolute ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (amount of Citi) Tj ET Q q 0 0 0 rg BT 97.11 617.25 Td (s post-T) Tj ET Q q 0 0 0 rg BT 128.91 617.25 Td (ax Reform-related valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (allowances may change in future years. First, the separate FTC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (basket for non-U.S. branches will result in additional DT) Tj ET Q q 0 0 0 rg BT 262.93 593.25 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (\(for FTCs\) requiring a valuation allowance, given that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (local tax rate for these branches exceeds on average the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (tax rate of 21%. Second, in Citi) Tj ET Q q 0 0 0 rg BT 164.86 557.25 Td (s general basket for FTCs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (changes in the forecasted amount of income in U.S. locations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (derived from sources outside the U.S. could alter the amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (of valuation allowance that is needed against such FTCs. ) Tj ET Q q 0 0 0 rg BT 265.76 521.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (following table summarizes Citi) Tj ET Q q 0 0 0 rg BT 167.37 509.25 Td (s DT) Tj ET Q q 0 0 0 rg BT 186.29 509.25 Td (As:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 453.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 453.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 453.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 425.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 425.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 425.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 397.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 397.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 397.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 383.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 383.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 383.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 355.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 355.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 355.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 327.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 327.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 327.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 299.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 299.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 299.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 257.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 257.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 257.75 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 36.5 485.75 m 164.5 485.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 485.75 m 226.5 485.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 485.75 m 288.5 485.75 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 164.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 453.75 m 226.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 453.75 m 288.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 453.75 m 226.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 453.75 m 288.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 383.75 m 164.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 369.75 m 164.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 383.75 m 226.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 369.75 m 226.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 383.75 m 288.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 369.75 m 288.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 313.75 m 164.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 299.75 m 164.5 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 313.75 m 226.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 299.75 m 226.5 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 313.75 m 288.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 299.75 m 288.5 299.75 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 164.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 257.75 m 226.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 257.75 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 36.5 243.75 m 164.5 243.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 229.75 m 164.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 243.75 m 226.5 243.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 229.75 m 226.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 243.75 m 288.5 243.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 229.75 m 288.5 229.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 490.00 Td (Inbillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 458.20 Td (Jurisdiction/component) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 130.01 462.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.20 476.20 Td (DT) Tj ET Q q 0 0 0 rg BT 180.03 476.20 Td (As balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.80 467.20 Td (December) Tj ET Q q 0 0 0 rg BT 207.61 467.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 458.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.45 476.21 Td (DT) Tj ET Q q 0 0 0 rg BT 242.73 476.21 Td (As balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.75 467.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 458.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 444.20 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 84.24 448.28 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 444.21 Td () 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 (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 142.23 434.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 430.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.75 430.20 Td (2.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 430.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 430.21 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 416.21 Td (Foreign tax credits \(FTCs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.75 416.20 Td (6.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 416.21 Td (7.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 402.21 Td (General business credits \(GBCs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.75 402.20 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 402.21 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 388.21 Td (Future tax deductions and credits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.75 388.20 Td (6.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 388.21 Td (4.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 374.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 374.20 Td (otal U.S. federal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 374.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.25 374.20 Td (17.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 374.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 374.21 Td (16.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 360.20 Td (State and local) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 360.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 360.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 346.21 Td (New ) Tj ET Q q 0 0 0 rg BT 58.08 346.21 Td (Y) Tj ET Q q 0 0 0 rg BT 63.96 346.21 Td (ork NOLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 346.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.75 346.20 Td (2.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 346.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 346.21 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 332.21 Td (Other state NOLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.75 332.20 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 332.21 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 318.21 Td (Future tax deductions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.75 318.20 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 318.21 Td (1.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 304.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 304.20 Td (otal state and local) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 304.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.75 304.20 Td (3.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 304.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 304.21 Td (3.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 290.20 Td (Non-U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 290.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 290.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 276.21 Td (NOLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 276.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.75 276.20 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 276.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 276.21 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 262.21 Td (Future tax deductions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.75 262.20 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 262.21 Td (2.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 248.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 248.20 Td (otal non-U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 248.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.75 248.20 Td (2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 248.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 248.21 Td (2.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 234.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 234.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 234.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.25 234.20 Td (22.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 234.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 234.21 Td (22.5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 220.65 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 211.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 211.05 Td (All amounts are net of valuation allowances.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 201.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 201.45 Td (Included in the net U.S. federal DT) Tj ET Q q 0 0 0 rg BT 166.21 201.45 Td (As of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 185.77 201.45 Td ($17.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.66 201.45 Td ( as of December ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 191.85 Td (31, 2018 were deferred tax liabilities of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 182.40 191.85 Td ($2.8 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 219.29 191.85 Td ( that will reverse in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 182.25 Td (the relevant carry-forward period and may be used to support the DT) Tj ET Q q 0 0 0 rg BT 273.95 182.25 Td (As.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 172.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 172.65 Td (Consists of non-consolidated tax return NOL) Tj ET Q q 0 0 0 rg BT 197.90 172.65 Td ( carry-forwards that are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 163.05 Td (eventually expected to be utilized in Citigroup) Tj ET Q q 0 0 0 rg BT 204.63 163.05 Td (s consolidated tax return.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 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 324.00 737.10 Td (forwards and their expiration dates:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 694.60 156.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 694.60 48.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 694.60 48.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 657.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 657.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 657.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 633.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 633.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 633.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 609.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 609.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 609.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 585.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 585.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 585.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 520.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 520.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 520.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 496.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 496.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 496.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 472.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 472.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 472.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 448.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 448.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 448.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 416.60 156.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 416.60 48.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 416.60 48.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 384.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 384.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 384.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 360.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 360.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 360.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 336.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 336.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 336.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 312.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 312.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 312.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 288.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 288.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 288.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 255.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 255.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 255.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 231.60 156.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 231.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 231.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 207.60 156.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 207.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 207.60 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 323.5 714.6 m 479.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 714.6 m 527.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 714.6 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 323.5 694.6 m 479.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 694.6 m 527.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 694.6 m 575.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 561.6 m 527.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 561.6 m 575.5 561.6 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 479.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 540.6 m 479.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 561.6 m 527.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 540.6 m 527.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 561.6 m 575.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 540.6 m 575.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 436.6 m 527.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 436.6 m 575.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 436.6 m 479.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 416.6 m 479.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 436.6 m 527.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 416.6 m 527.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 436.6 m 575.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 416.6 m 575.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 276.6 m 479.5 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 276.6 m 527.5 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 276.6 m 575.5 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 276.6 m 479.5 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 255.60000000000002 m 479.5 255.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 276.6 m 527.5 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 255.60000000000002 m 527.5 255.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 276.6 m 575.5 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 255.60000000000002 m 575.5 255.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 231.60000000000002 m 479.5 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 231.60000000000002 m 527.5 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 231.60000000000002 m 575.5 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 207.60000000000002 m 479.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 207.60000000000002 m 527.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 207.60000000000002 m 575.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 181.60000000000002 m 479.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 181.60000000000002 m 527.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 181.60000000000002 m 575.5 181.60000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 326.00 718.55 Td (Inbillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 699.05 Td (Y) Tj ET Q q 0 0 0 rg BT 332.00 699.05 Td (ear) Tj ET Q q 0 0 0 rg BT 343.91 699.05 Td (ofexpiration) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.55 706.00 Td (December) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.25 697.05 Td (31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 705.86 Td (December) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.25 696.91 Td (31, 2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 683.05 Td (U.S. tax r) Tj ET Q q 0 0 0 rg BT 362.33 683.05 Td (eturn for) Tj ET Q q 0 0 0 rg BT 396.91 683.05 Td (eign tax cr) Tj ET Q q 0 0 0 rg BT 437.23 683.05 Td (edit ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 674.05 Td (carry-forwards) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 384.97 678.13 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 674.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 674.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 660.86 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 661.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 661.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 660.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 660.86 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 648.86 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 649.00 Td (0.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 648.86 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 636.86 Td (2020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 637.00 Td (2.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 636.86 Td (3.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 624.86 Td (2021) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 625.00 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 624.86 Td (2.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 612.86 Td (2022) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 613.00 Td (3.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 612.86 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 600.86 Td (2023) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 344.00 604.94 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 601.00 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 600.86 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 588.86 Td (2025) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 344.00 592.94 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 589.00 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 588.86 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 576.86 Td (2027) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 344.00 580.94 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 577.00 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 576.86 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 564.86 Td (2028) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 565.00 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 564.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 553.00 Td (T) Tj ET Q q 0 0 0 rg BT 331.59 553.00 Td (otal U.S. tax r) Tj ET Q q 0 0 0 rg BT 384.34 553.00 Td (eturn for) Tj ET Q q 0 0 0 rg BT 418.92 553.00 Td (eign tax cr) Tj ET Q q 0 0 0 rg BT 459.24 553.00 Td (edit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 544.00 Td (carry-forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 545.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.25 545.05 Td (12.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 545.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 545.06 Td (13.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 532.00 Td (U.S. tax r) Tj ET Q q 0 0 0 rg BT 362.42 532.00 Td (eturn general business cr) Tj ET Q q 0 0 0 rg BT 458.50 532.00 Td (edit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 523.05 Td (carry-forwards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 525.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 525.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 511.86 Td (2032) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 512.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 512.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 511.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 511.86 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 499.86 Td (2033) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 500.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 499.86 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 487.86 Td (2034) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 488.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 487.86 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 475.86 Td (2035) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 476.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 475.86 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 463.86 Td (2036) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 464.00 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 463.86 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 451.86 Td (2037) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 452.00 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 451.86 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 439.86 Td (2038) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 440.00 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 439.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 428.00 Td (T) Tj ET Q q 0 0 0 rg BT 331.59 428.00 Td (otal U.S. tax r) Tj ET Q q 0 0 0 rg BT 384.34 428.00 Td (eturn general business) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 419.05 Td (cr) Tj ET Q q 0 0 0 rg BT 333.91 419.05 Td (edit carry-forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 421.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 421.05 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 421.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 421.06 Td (1.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 408.00 Td (U.S. subsidiary separate federal NOL) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 399.05 Td (carry-forwards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 401.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 401.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 387.86 Td (2027) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 388.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 388.00 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 387.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 387.86 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 375.86 Td (2028) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 376.00 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 375.86 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 363.86 Td (2030) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 364.00 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 363.86 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 351.86 Td (2032) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 352.00 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 351.86 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 339.86 Td (2033) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 340.00 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 339.86 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 327.86 Td (2034) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 328.00 Td (2.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 327.86 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 315.86 Td (2035) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 316.00 Td (3.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 315.86 Td (3.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 303.86 Td (2036) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 304.00 Td (2.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 303.86 Td (2.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 291.86 Td (2037) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 292.00 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 291.86 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 279.86 Td (Unlimited carry-forward period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 280.00 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 279.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 268.00 Td (T) Tj ET Q q 0 0 0 rg BT 331.18 268.00 Td (otal U.S. subsidiary separate federal ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 259.00 Td (NOL) Tj ET Q q 0 0 0 rg BT 345.01 259.00 Td ( carry-forwards) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 406.23 263.08 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 260.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.25 260.05 Td (12.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 260.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 260.06 Td (1) Tj ET Q q 0 0 0 rg BT 560.75 260.06 Td (1.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 247.00 Td (New ) Tj ET Q q 0 0 0 rg BT 344.91 247.00 Td (Y) Tj ET Q q 0 0 0 rg BT 350.41 247.00 Td (ork State NOL) Tj ET Q q 0 0 0 rg BT 406.91 247.00 Td ( carry-forwards) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 468.14 251.08 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 246.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 246.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 234.86 Td (2034) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 235.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.25 235.00 Td (1) Tj ET Q q 0 0 0 rg BT 512.75 235.00 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 234.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 234.86 Td (13.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 223.00 Td (New ) Tj ET Q q 0 0 0 rg BT 344.91 223.00 Td (Y) Tj ET Q q 0 0 0 rg BT 350.41 223.00 Td (ork City NOL) Tj ET Q q 0 0 0 rg BT 403.92 223.00 Td ( carry-forwards) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 465.14 227.08 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 222.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 222.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 210.86 Td (2034) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 211.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.25 211.00 Td (1) Tj ET Q q 0 0 0 rg BT 512.75 211.00 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 210.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 210.86 Td (13.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 198.05 Td (Non-U.S. NOL) Tj ET Q q 0 0 0 rg BT 382.26 198.05 Td ( carry-forwards) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 443.49 202.13 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 198.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 198.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 184.86 Td (V) Tj ET Q q 0 0 0 rg BT 331.50 184.86 Td (arious) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 185.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 185.00 Td (2.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 184.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 184.86 Td (2.0) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 162.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 162.90 Td (Before valuation allowance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 153.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 153.30 Td (The ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.44 153.30 Td ($2.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.44 153.30 Td ( billion in FTC carry-forwards that expire in 2023, 2025 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 143.70 Td (2027 are in a non-consolidated tax return entity but will be utilized \(net ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 134.10 Td (of valuation allowances\) in Citigroup) Tj ET Q q 0 0 0 rg BT 463.75 134.10 Td (s consolidated tax return.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 124.50 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 124.50 Td (Pretax.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 100.50 Td (The time remaining for utilization of the FTC component ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 88.50 Td (has shortened, given the passage of time. ) Tj ET Q q 0 0 0 rg BT 489.79 88.50 Td (Although realization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 76.50 Td (is not assured, Citi believes that the realization of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 64.50 Td (recognized net DT) Tj ET Q q 0 0 0 rg BT 397.61 64.50 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.05 64.50 Td ($22.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.17 64.50 Td ( at December 31, 2018 is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 52.50 Td (more-likely-than-not, based upon expectations as to future ) Tj ET Q endstream endobj 343 0 obj <> endobj 344 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (171) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (taxable income in the jurisdictions in which the DT) Tj ET Q q 0 0 0 rg BT 240.71 749.10 Td (As arise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (and consideration of available tax planning strategies \(as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (defined in ) Tj ET Q q 0 0 0 rg BT 78.21 725.10 Td (ASC 740, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 120.17 725.10 Td (Income T) Tj ET Q q 0 0 0 rg BT 156.74 725.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.51 725.10 Td (\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 713.10 Td (Citi believes the U.S. federal and New ) Tj ET Q q 0 0 0 rg BT 209.97 713.10 Td (Y) Tj ET Q q 0 0 0 rg BT 216.19 713.10 Td (ork State and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (City NOL) Tj ET Q q 0 0 0 rg BT 75.91 701.10 Td ( carry-forward period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.30 701.10 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.30 701.10 Td ( years provides enough ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (time to fully utilize the DT) Tj ET Q q 0 0 0 rg BT 142.67 689.10 Td (As pertaining to the existing NOL) Tj ET Q q 0 0 0 rg BT 278.67 689.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (carry-forwards. ) Tj ET Q q 0 0 0 rg BT 100.23 677.10 Td (This is due to Citi) Tj ET Q q 0 0 0 rg BT 174.68 677.10 Td (s forecast of suf) Tj ET Q q 0 0 0 rg BT 238.08 677.10 Td (ficient U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (taxable income and the fact that New ) Tj ET Q q 0 0 0 rg BT 186.95 665.10 Td (Y) Tj ET Q q 0 0 0 rg BT 193.17 665.10 Td (ork State and City ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (continue to tax Citi) Tj ET Q q 0 0 0 rg BT 115.71 653.10 Td (s non-U.S. income.) 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 respect to the FTCs component of the DT) Tj ET Q q 0 0 0 rg BT 241.65 641.10 Td (As, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (carry-forward period is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.23 629.10 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.23 629.10 Td ( years. Utilization of FTCs in any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (year is restricted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.86 617.10 Td (21%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.19 617.10 Td ( of foreign source taxable income in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (that year) Tj ET Q q 0 0 0 rg BT 70.15 605.10 Td (. However) Tj ET Q q 0 0 0 rg BT 111.40 605.10 Td (, overall domestic losses that Citi has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (incurred of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.90 593.10 Td ($47 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.52 593.10 Td ( as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (2018 are allowed to be reclassified as foreign source income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (to the extent of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.76 569.10 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.76 569.10 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.09 569.10 Td (100%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.42 569.10 Td ( of domestic source income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (produced in subsequent years. Such resulting foreign source ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (income would cover the FTC carry-forwards after valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (allowance. ) Tj ET Q q 0 0 0 rg BT 80.98 533.10 Td (As noted in the tables above, Citi) Tj ET Q q 0 0 0 rg BT 216.79 533.10 Td (s FTC carry-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (forwards were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.97 521.10 Td ($6.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.08 521.10 Td ( \() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.91 521.10 Td ($12.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.03 521.10 Td ( before valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (allowance\) as of December 31, 2018, compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.81 509.10 Td ($7.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.92 509.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (as of December 31, 2017. Citi believes that it will generate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (suf) Tj ET Q q 0 0 0 rg BT 48.04 485.10 Td (ficient U.S. taxable income within the 10-year carry-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (forward period to be able to utilize the net FTCs after the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (valuation allowance, after considering any FTCs produced in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (the tax return for such period, which must be used prior to any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (carry-forward utilization.) 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 137.06 437.10 Td ( ) Tj ET Q endstream endobj 345 0 obj <> endobj 346 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 298.50 33.60 Td (172) 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 table reconciles 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 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 561.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 561.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 561.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 533.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 533.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 533.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 533.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 505.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 505.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 505.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 505.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 477.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 477.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 477.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 477.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 449.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 449.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 449.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 449.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 421.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 421.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 421.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 421.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 393.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 393.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 393.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 393.75 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 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 36.5 561.75 m 429.5 561.75 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 429.5 561.75 m 478.5 561.75 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 478.5 561.75 m 527.5 561.75 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 527.5 561.75 m 576.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 505.75 m 478.5 505.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 505.75 m 527.5 505.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 505.75 m 576.5 505.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 505.75 m 429.5 505.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 491.75 m 429.5 491.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 491.75 m 478.5 491.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 491.75 m 527.5 491.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 491.75 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 429.5 449.75 m 478.5 449.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 449.75 m 527.5 449.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 449.75 m 576.5 449.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 449.75 m 429.5 449.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 435.75 m 429.5 435.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 435.75 m 478.5 435.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 435.75 m 527.5 435.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 435.75 m 576.5 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 393.75 m 478.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 393.75 m 527.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 393.75 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 429.5 393.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 379.75 m 429.5 379.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 379.75 m 478.5 379.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 379.75 m 527.5 379.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 379.75 m 576.5 379.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 701.00 Td (In millions, except per shar) Tj ET Q q 0 0 0 rg BT 126.46 701.00 Td (e amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.50 701.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 701.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 701.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 687.20 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 98.90 687.20 Td (om continuing operations befor) Tj ET Q q 0 0 0 rg BT 219.49 687.20 Td (e attribution of noncontr) Tj ET Q q 0 0 0 rg BT 314.58 687.20 Td (olling inter) Tj ET Q q 0 0 0 rg BT 356.67 687.20 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 687.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 687.20 Td (18,088) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 687.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.75 687.21 Td (\(6,627) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 687.21 Td (\)) 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 (15,033) 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 (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 673.21 Td (60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 673.21 Td (63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 659.20 Td (Net income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 113.64 659.20 Td (om continuing operations \(for) Tj ET Q q 0 0 0 rg BT 228.23 659.20 Td ( EPS purposes\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 659.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 659.20 Td (18,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 659.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.75 659.21 Td (\(6,687) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 659.21 Td (\)) 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 (14,970) 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 467.50 645.20 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 645.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 645.21 Td (\(1) Tj ET Q q 0 0 0 rg BT 515.00 645.21 Td (1) Tj ET Q q 0 0 0 rg BT 519.50 645.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 645.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 645.21 Td (\(58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 645.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 631.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 61.91 631.20 Td (oup's net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 631.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 631.20 Td (18,045) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.75 631.21 Td (\(6,798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 631.21 Td (\)) 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 (14,912) 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 454.75 617.20 Td (1,173) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.75 617.21 Td (1,213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 617.21 Td (1,077) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 603.20 Td (Net income \(loss\) available to common shar) Tj ET Q q 0 0 0 rg BT 205.40 603.20 Td (eholders) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 603.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 603.20 Td (16,872) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 603.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.75 603.21 Td (\(8,01) Tj ET Q q 0 0 0 rg BT 519.50 603.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 603.21 Td (\)) 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 (13,835) 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 (200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 580.21 Td (37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 580.21 Td (195) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 566.20 Td (Net income \(loss\) allocated to common shar) Tj ET Q q 0 0 0 rg BT 205.39 566.20 Td (eholders for) Tj ET Q q 0 0 0 rg BT 251.46 566.20 Td ( basic and diluted EPS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 566.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 566.20 Td (16,672) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 566.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.75 566.21 Td (\(8,048) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 566.21 Td (\)) 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 (13,640) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 552.20 Td (W) Tj ET Q q 0 0 0 rg BT 47.50 552.20 Td (eighted-average common shar) Tj ET Q q 0 0 0 rg BT 162.82 552.20 Td (es outstanding applicable to basic EPS ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 312.34 552.20 Td (\(in millions\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 552.20 Td (2,493.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 552.21 Td (2,698.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 552.21 Td (2,888.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 538.21 Td (Ef) Tj ET Q q 0 0 0 rg BT 47.41 538.21 Td (fect of dilutive securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 538.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 538.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 538.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 524.21 Td (Options) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 73.50 528.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 524.20 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 524.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 524.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 510.21 Td (Other employee plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 510.20 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 510.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 510.21 Td (0.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 496.20 Td (Adjusted weighted-average common shar) Tj ET Q q 0 0 0 rg BT 198.07 496.20 Td (es outstanding applicable to diluted EPS) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 352.85 500.28 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 496.20 Td (2,494.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 496.21 Td (2,698.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 496.21 Td (2,888.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 482.20 Td (Basic earnings per) Tj ET Q q 0 0 0 rg BT 109.84 482.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 128.93 482.20 Td (e) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 132.92 486.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 482.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 482.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 482.21 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 468.21 Td (Income \(loss\) from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 468.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 468.20 Td (6.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 468.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 468.21 Td (\(2.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 468.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 468.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 468.21 Td (4.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 454.21 Td (Discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 454.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 454.21 Td (\(0.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 454.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.25 454.21 Td (\(0.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 454.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 440.20 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 440.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 440.20 Td (6.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 440.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 440.21 Td (\(2.98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 440.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 440.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 440.21 Td (4.72) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 426.20 Td (Diluted earnings per) Tj ET Q q 0 0 0 rg BT 117.84 426.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 136.93 426.20 Td (e) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 140.92 430.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 426.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 426.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 426.21 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 412.21 Td (Income \(loss\) from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 412.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 412.20 Td (6.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 412.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 412.21 Td (\(2.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 412.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 412.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 412.21 Td (4.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 398.21 Td (Discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 398.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 398.21 Td (\(0.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 398.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.25 398.21 Td (\(0.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 398.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 384.20 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 384.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 384.20 Td (6.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 384.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 384.21 Td (\(2.98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 384.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 384.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 384.21 Td (4.72) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 362.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 362.65 Td (See Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.10 362.65 Td (20) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 93.10 362.65 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 36.00 353.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 353.05 Td (During ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 78.66 353.05 Td (2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 94.66 353.05 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 98.66 353.05 Td (2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 114.66 353.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 130.21 353.05 Td (2016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 146.21 353.05 Td (, weighted-average options to purchase ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.28 353.05 Td (0.5 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.39 353.05 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.39 353.05 Td (0.8 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.51 353.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.06 353.05 Td (4.2 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.17 353.05 Td ( shares of common stock, respectively) Tj ET Q q 0 0 0 rg BT 519.84 353.05 Td (, were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 343.45 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 434.09 343.45 Td ($145.69) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.09 343.45 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.09 343.45 Td ($204.80) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.09 343.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.64 343.45 Td ($98.01) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.64 343.45 Td ( per share, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 333.85 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 333.85 Td (, were anti-dilutive.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 324.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 324.25 Td (Due to rounding, common shares outstanding applicable to basic EPS and the ef) Tj ET Q q 0 0 0 rg BT 310.47 324.25 Td (fect of dilutive securities may not sum to common shares outstanding applicable to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 314.65 Td (diluted EPS.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 305.05 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 305.05 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 347 0 obj <> endobj 348 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (173) 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 and pur) Tj ET Q q 0 0 0 rg BT 243.86 705.25 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 35.50 620.75 130.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 620.75 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 620.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 574.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 574.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 574.75 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 35.5 634.75 m 165.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 634.75 m 227.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 634.75 m 287.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 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 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 560.75 m 165.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 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 2.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 560.75 m 227.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 574.75 m 287.5 574.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 560.75 m 287.5 560.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.80 653.20 Td (December) Tj ET Q q 0 0 0 rg BT 208.69 653.20 Td ( 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.75 653.21 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 639.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 639.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 639.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 625.21 Td (Federal funds sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.00 625.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 625.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 625.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 625.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 611.21 Td (Securities purchased under) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 602.21 Td (agreements to resell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 602.20 Td (159,364) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 254.75 602.21 Td (130,984) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 588.21 Td (Deposits paid for securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 579.21 Td (borrowed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 579.20 Td (1) Tj ET Q q 0 0 0 rg BT 199.25 579.20 Td (1) Tj ET Q q 0 0 0 rg BT 203.75 579.20 Td (1,320) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 254.75 579.21 Td (101,494) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 565.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 565.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 57.67 569.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.00 565.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 565.20 Td (270,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 565.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 254.75 565.21 Td (232,478) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 529.25 Td (Federal funds pur) Tj ET Q q 0 0 0 rg BT 125.85 529.25 Td (chased and securities loaned and sold ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 517.25 Td (under agr) Tj ET Q q 0 0 0 rg BT 75.35 517.25 Td (eements to r) Tj ET Q q 0 0 0 rg BT 123.86 517.25 Td (epur) Tj ET Q q 0 0 0 rg BT 141.82 517.25 Td (chase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.58 517.25 Td (, at their respective carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 505.25 Td (values, consisted of the following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 444.75 130.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 444.75 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 444.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 398.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 398.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 398.75 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 35.5 458.75 m 165.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 458.75 m 227.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 458.75 m 287.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 458.75 m 287.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 398.75 m 165.5 398.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 384.75 m 165.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 398.75 m 227.5 398.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 384.75 m 227.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 398.75 m 287.5 398.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 384.75 m 287.5 384.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.80 477.20 Td (December) Tj ET Q q 0 0 0 rg BT 208.69 477.20 Td ( 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.75 477.21 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 463.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 463.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 463.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 449.21 Td (Federal funds purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.00 449.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 449.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 449.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 449.21 Td (326) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 435.21 Td (Securities sold under agreements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 426.21 Td (to repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 426.20 Td (166,090) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 254.75 426.21 Td (142,646) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 412.21 Td (Deposits received for securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 403.21 Td (loaned) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.25 403.20 Td (1) Tj ET Q q 0 0 0 rg BT 203.75 403.20 Td (1,678) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.25 403.21 Td (13,305) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 389.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 389.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 57.67 393.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.00 389.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 389.20 Td (177,768) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 389.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 254.75 389.21 Td (156,277) 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 q 0 0 0 rg BT 54.00 365.65 Td (The above tables do not include securities-for) Tj ET Q q 0 0 0 rg BT 200.01 365.65 Td (-securities lending ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 356.05 Td (transactions of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 102.88 356.05 Td ($15.9 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 143.77 356.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.32 356.05 Td ($14.0 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 200.21 356.05 Td ( at December 31, 2018 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 346.45 Td (2017, respectively) Tj ET Q q 0 0 0 rg BT 112.13 346.45 Td (, where the Company acts as lender and receives ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 336.85 Td (securities that can be sold or pledged as collateral. In these transactions, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 327.25 Td (the Company recognizes the securities received at fair value within ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 317.65 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 93.78 317.65 Td ( and the obligation to return those securities as a liability ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 308.05 Td (within ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 76.45 308.05 Td (Br) Tj ET Q q 0 0 0 rg BT 84.15 308.05 Td (okerage payables) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.35 308.05 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 286.45 Td (The resale and repurchase agreements represent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.45 Td (collateralized financing transactions. Citi executes these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.45 Td (transactions primarily through its broker) Tj ET Q q 0 0 0 rg BT 197.43 262.45 Td (-dealer subsidiaries to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.45 Td (facilitate customer matched-book activity and to ef) Tj ET Q q 0 0 0 rg BT 239.63 250.45 Td (ficiently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.45 Td (fund a portion of Citi) Tj ET Q q 0 0 0 rg BT 123.77 238.45 Td (s trading inventory) Tj ET Q q 0 0 0 rg BT 198.66 238.45 Td (. ) Tj ET Q q 0 0 0 rg BT 203.48 238.45 Td (T) Tj ET Q q 0 0 0 rg BT 209.24 238.45 Td (ransactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.45 Td (executed by Citi) Tj ET Q q 0 0 0 rg BT 104.32 226.45 Td (s bank subsidiaries primarily facilitate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.45 Td (customer financing activity) Tj ET Q q 0 0 0 rg BT 144.76 214.45 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 202.45 Td (T) Tj ET Q q 0 0 0 rg BT 59.41 202.45 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 36.00 190.45 Td (conditions, including under periods of stress, Citi manages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.45 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 36.00 166.45 Td (underlying collateral and stipulating financing tenor) Tj ET Q q 0 0 0 rg BT 243.44 166.45 Td (. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.45 Td (manages the risks in its collateralized financing transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.45 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 36.00 130.45 Td (capacity) Tj ET Q q 0 0 0 rg BT 68.66 130.45 Td (, tenors, haircut, collateral profile and client actions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.45 Td (Additionally) Tj ET Q q 0 0 0 rg BT 85.90 118.45 Td (, Citi maintains counterparty diversification by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.45 Td (establishing concentration triggers and assessing counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.45 Td (reliability and stability under stress.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 82.45 Td (It is the Company) Tj ET Q q 0 0 0 rg BT 128.16 82.45 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 70.45 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 58.45 Td (amounts due under the agreements and, when necessary) Tj ET Q q 0 0 0 rg BT 259.16 58.45 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 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 324.00 737.10 Td (maintain contractual mar) Tj ET Q q 0 0 0 rg BT 423.78 737.10 Td (gin protection. For resale and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (repurchase agreements, when necessary) Tj ET Q q 0 0 0 rg BT 482.72 725.10 Td (, the Company posts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (additional collateral in order to maintain contractual mar) Tj ET Q q 0 0 0 rg BT 550.12 713.10 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (protection. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 689.10 Td (Collateral typically consists of government and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (government-agency securities, corporate and municipal bonds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (equities and mortgage- and other asset-backed securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 653.10 Td (The resale and repurchase agreements are generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (documented under industry standard agreements that allow the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (prompt close-out of all transactions \(including the liquidation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (of securities held\) and the of) Tj ET Q q 0 0 0 rg BT 437.95 617.10 Td (fsetting of obligations to return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (cash or securities by the non-defaulting party) Tj ET Q q 0 0 0 rg BT 503.85 605.10 Td (, following a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 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 324.00 581.10 Td (master agreement. Events of default generally include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 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 324.00 557.10 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 324.00 545.10 Td (as used for mar) Tj ET Q q 0 0 0 rg BT 385.19 545.10 Td (gining purposes, \(iii\)breach of representation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 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 324.00 521.10 Td (the parties, or) Tj ET Q q 0 0 0 rg BT 378.30 521.10 Td (, in some cases, their af) Tj ET Q q 0 0 0 rg BT 471.70 521.10 Td (filiates and \(v\)a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (repudiation of obligations under the agreement. ) Tj ET Q q 0 0 0 rg BT 516.26 509.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 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 324.00 485.10 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 324.00 473.10 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 324.00 461.10 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 324.00 449.10 Td (limitations may restrict its use of the securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 437.10 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 437.10 Td ( substantial portion of the resale and repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (agreements is recorded at fair value, as described in Notes 24 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (and 25 to the Consolidated Financial Statements. ) Tj ET Q q 0 0 0 rg BT 522.12 413.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 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 324.00 389.10 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 324.00 377.10 Td (respective agreements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 365.10 Td (The securities borrowing and lending agreements also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (represent collateralized financing transactions similar to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (resale and repurchase agreements. Collateral typically consists ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (of government and government-agency securities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (corporate debt and equity securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 305.10 Td (Similar to the resale and repurchase agreements, securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (borrowing and lending agreements are generally documented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (under industry standard agreements that allow the prompt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (close-out of all transactions \(including the liquidation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (securities held\) and the of) Tj ET Q q 0 0 0 rg BT 427.12 257.10 Td (fsetting of obligations to return cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (or securities by the non-defaulting party) Tj ET Q q 0 0 0 rg BT 483.58 245.10 Td (, following a payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 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 324.00 221.10 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 324.00 209.10 Td (securities under the securities borrowing and lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (agreements are similar to the resale and repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (agreements referenced above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 173.10 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 173.10 Td ( substantial portion of securities borrowing and lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 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 324.00 149.10 Td (received. ) Tj ET Q q 0 0 0 rg BT 362.68 149.10 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 324.00 137.10 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 324.00 125.10 Td (borrowed and loaned portfolios, as described in Note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.66 125.10 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.66 125.10 Td ( to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (Consolidated Financial Statements. ) Tj ET Q q 0 0 0 rg BT 467.69 113.10 Td (W) Tj ET Q q 0 0 0 rg BT 476.72 113.10 Td (ith respect to securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 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 89.10 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 77.10 Td (loaned. ) Tj ET Q q 0 0 0 rg BT 355.47 77.10 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 65.10 Td (borrowed and securities loaned on a daily basis and obtains or ) Tj ET Q endstream endobj 349 0 obj <> endobj 350 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (174) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (posts additional collateral in order to maintain contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (mar) Tj ET Q q 0 0 0 rg BT 51.37 737.10 Td (gin protection.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 725.10 Td (The enforceability of of) Tj ET Q q 0 0 0 rg BT 149.05 725.10 Td (fsetting rights incorporated in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (master netting agreements for resale and repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (agreements, and securities borrowing and lending agreements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 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 36.00 677.10 Td (been obtained from counsel of recognized standing that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (provides the requisite level of certainty regarding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (enforceability of these agreements. ) Tj ET Q q 0 0 0 rg BT 177.88 653.10 Td (Also, the exercise of rights ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (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 36.00 629.10 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 36.00 617.10 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 36.00 605.10 Td (default including bankruptcy) Tj ET Q q 0 0 0 rg BT 150.87 605.10 Td (, insolvency or similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (proceeding.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 581.10 Td (A) Tj ET Q q 0 0 0 rg BT 60.67 581.10 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 36.00 569.10 Td (certain jurisdictions where local law is silent or suf) Tj ET Q q 0 0 0 rg BT 239.65 569.10 Td (ficiently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (ambiguous to determine the enforceability of of) Tj ET Q q 0 0 0 rg BT 226.87 557.10 Td (fsetting rights ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 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 324.00 749.10 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 324.00 737.10 Td (jurisdictions and for some counterparty types, the insolvency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 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 324.00 713.10 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 324.00 701.10 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 324.00 689.10 Td (banks and U.S. pension plans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 677.10 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 324.00 665.10 Td (repurchase agreements and securities borrowing and lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (agreements and the related of) Tj ET Q q 0 0 0 rg BT 441.54 653.10 Td (fsetting amount permitted under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (ASC 210-20-45. ) Tj ET Q q 0 0 0 rg BT 392.43 641.10 Td (The tables also include amounts related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (financial instruments that are not permitted to be of) Tj ET Q q 0 0 0 rg BT 529.31 629.10 Td (fset under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (ASC 210-20-45, but would be eligible for of) Tj ET Q q 0 0 0 rg BT 502.13 617.10 Td (fsetting to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 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 324.00 593.10 Td (supporting enforceability of the of) Tj ET Q q 0 0 0 rg BT 461.00 593.10 Td (fsetting rights has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (obtained. Remaining exposures continue to be secured by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 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 324.00 557.10 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 324.00 545.10 Td (of the of) Tj ET Q q 0 0 0 rg BT 357.70 545.10 Td (fsetting right.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 38.50 461.60 161.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 461.60 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 461.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 461.60 86.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 461.60 100.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 461.60 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 38.50 424.60 161.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 424.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 424.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 424.60 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 424.60 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 424.60 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 199.5 520.6 m 264.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 520.6 m 334.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 520.6 m 420.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 520.6 m 520.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 520.6 m 572.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 38.5 461.6 m 199.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 520.6 m 264.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 461.6 m 264.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 520.6 m 334.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 461.6 m 334.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 520.6 m 420.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 461.6 m 420.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 520.6 m 520.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 461.6 m 520.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 520.6 m 572.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 461.6 m 572.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 38.5 424.6 m 199.5 424.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 38.5 410.6 m 199.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 424.6 m 264.5 424.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 410.6 m 264.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 424.6 m 334.5 424.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 410.6 m 334.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 424.6 m 420.5 424.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 410.6 m 420.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 424.6 m 520.5 424.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 410.6 m 520.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 424.6 m 572.5 424.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 410.6 m 572.5 410.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 525.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.20 525.05 Td (As of December) Tj ET Q q 0 0 0 rg BT 399.09 525.05 Td ( 31, 2018) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 41.00 465.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.70 484.05 Td (Gr) Tj ET Q q 0 0 0 rg BT 213.53 484.05 Td (oss amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 205.95 475.05 Td (of r) Tj ET Q q 0 0 0 rg BT 219.53 475.05 Td (ecognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 466.05 Td (assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.20 493.05 Td (Gr) Tj ET Q q 0 0 0 rg BT 281.03 493.05 Td (oss amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.50 484.05 Td (offset on the) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.70 475.05 Td (Consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.70 466.05 Td (Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 322.45 470.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.75 493.05 Td (Net amounts of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.45 484.05 Td (assets included on) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.60 475.05 Td (the Consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.70 466.05 Td (Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 400.45 470.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.45 511.05 Td (Amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.10 502.05 Td (not offset on the) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.35 493.05 Td (Consolidated Balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.20 484.05 Td (Sheet but eligible for) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.10 475.05 Td (offsetting upon) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.70 466.05 Td (counterparty default) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 506.44 470.13 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.25 475.05 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.05 466.05 Td (amounts) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 559.06 470.13 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 452.06 Td (Securities purchased under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 443.06 Td (resell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 443.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 231.75 443.05 Td (246,788) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 443.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 443.05 Td (87,424) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 443.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.75 443.05 Td (159,364) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 443.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.75 443.05 Td (124,557) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 443.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.25 443.05 Td (34,807) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 429.06 Td (Deposits paid for securities borrowed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 231.75 429.05 Td (1) Tj ET Q q 0 0 0 rg BT 236.25 429.05 Td (1) Tj ET Q q 0 0 0 rg BT 240.75 429.05 Td (1,320) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 429.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.75 429.05 Td (1) Tj ET Q q 0 0 0 rg BT 392.25 429.05 Td (1) Tj ET Q q 0 0 0 rg BT 396.75 429.05 Td (1,320) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 429.05 Td (35,766) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.25 429.05 Td (75,554) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 415.05 Td (T) Tj ET Q q 0 0 0 rg BT 46.18 415.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 415.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 231.75 415.05 Td (358,108) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 415.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 415.05 Td (87,424) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 415.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.75 415.05 Td (270,684) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 415.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.75 415.05 Td (160,323) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 415.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.75 415.05 Td (1) Tj ET Q q 0 0 0 rg BT 544.25 415.05 Td (10,361) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 329.60 164.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 329.60 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 329.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 329.60 89.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 329.60 100.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 329.60 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 292.60 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 292.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 292.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 292.60 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 292.60 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 292.60 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 35.5 329.6 m 199.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 329.6 m 264.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 329.6 m 334.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 329.6 m 423.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 329.6 m 523.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 329.6 m 575.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 292.6 m 199.5 292.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 278.6 m 199.5 278.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 292.6 m 264.5 292.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 278.6 m 264.5 278.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 292.6 m 334.5 292.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 278.6 m 334.5 278.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 292.6 m 423.5 292.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 278.6 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 423.5 292.6 m 523.5 292.6 l s 0 0 0 RG /GS0 gs 2.00 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 523.5 292.6 m 575.5 292.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 278.6 m 575.5 278.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 333.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.70 352.05 Td (Gr) Tj ET Q q 0 0 0 rg BT 213.53 352.05 Td (oss amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 205.95 343.05 Td (of r) Tj ET Q q 0 0 0 rg BT 219.53 343.05 Td (ecognized) Tj ET Q BT 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on the) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.35 361.05 Td (Consolidated Balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.20 352.05 Td (Sheet but eligible for) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.10 343.05 Td (offsetting upon) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.70 334.05 Td (counterparty default) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 509.44 338.13 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.25 343.05 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.05 334.05 Td (amounts) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 562.06 338.13 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 320.06 Td (Securities sold under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 311.06 Td (repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 311.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 231.75 311.05 Td (253,514) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 311.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 311.05 Td (87,424) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 311.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.75 311.05 Td (166,090) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 311.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.25 311.05 Td (82,823) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.00 311.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 311.05 Td (83,267) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 297.06 Td (Deposits received for securities loaned) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.25 297.05 Td (1) Tj ET Q q 0 0 0 rg BT 240.75 297.05 Td (1,678) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 297.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 297.05 Td (1) Tj ET Q q 0 0 0 rg BT 399.75 297.05 Td (1,678) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.75 297.05 Td (3,415) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 297.05 Td (8,263) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 283.05 Td (T) Tj ET Q q 0 0 0 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0.9333333333333333 1 rg /GS0 gs 423.50 183.60 100.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 183.60 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 146.60 165.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 146.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 146.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 146.60 88.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 146.60 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 146.60 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 200.5 242.60000000000002 m 265.5 242.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 242.60000000000002 m 335.5 242.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 242.60000000000002 m 423.5 242.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 242.60000000000002 m 523.5 242.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 242.60000000000002 m 575.5 242.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 183.60000000000002 m 200.5 183.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 242.60000000000002 m 265.5 242.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 183.60000000000002 m 265.5 183.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 242.60000000000002 m 335.5 242.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 183.60000000000002 m 335.5 183.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 242.60000000000002 m 423.5 242.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 183.60000000000002 m 423.5 183.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 242.60000000000002 m 523.5 242.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 183.60000000000002 m 523.5 183.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 242.60000000000002 m 575.5 242.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 183.60000000000002 m 575.5 183.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 183.60000000000002 m 265.5 183.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 183.60000000000002 m 335.5 183.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 183.60000000000002 m 423.5 183.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 183.60000000000002 m 523.5 183.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 183.60000000000002 m 575.5 183.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 146.60000000000002 m 200.5 146.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 132.60000000000002 m 200.5 132.60000000000002 l s 0 0 0 RG /GS0 gs 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BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.75 151.06 Td (101,494) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.00 151.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.75 151.06 Td (101,494) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.25 151.06 Td (22,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 151.06 Td (79,223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 137.06 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 137.06 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.00 137.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.75 137.06 Td (305,954) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.00 137.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.25 137.06 Td (73,476) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 137.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.75 137.06 Td (232,478) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 137.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 137.06 Td (125,293) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 137.06 Td ($) Tj ET 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/GS0 gs 424.50 659.50 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.50 659.50 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 36.5 696.5 m 200.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 696.5 m 265.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 696.5 m 335.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 696.5 m 424.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 696.5 m 524.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 696.5 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 200.5 696.5 m 265.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 696.5 m 335.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 696.5 m 424.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 696.5 m 524.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 696.5 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 36.5 659.5 m 200.5 659.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 645.5 m 200.5 645.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 659.5 m 265.5 659.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 645.5 m 265.5 645.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 659.5 m 335.5 659.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 645.5 m 335.5 645.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 659.5 m 424.5 659.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 645.5 m 424.5 645.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 659.5 m 524.5 659.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 645.5 m 524.5 645.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 659.5 m 576.5 659.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 645.5 m 576.5 645.5 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 700.75 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.60 718.96 Td (Gross amounts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.85 709.96 Td (of recognized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.75 700.96 Td (liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.10 727.96 Td (Gross amounts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.55 718.96 Td (of) Tj ET Q q 0 0 0 rg BT 284.88 718.96 Td (fset on the) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.25 709.96 Td (Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.95 700.96 Td (Balance Sheet) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 322.18 705.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 727.96 Td (Net amounts of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 718.96 Td (liabilities included on) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.10 709.96 Td (the Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.45 700.96 Td (Balance Sheet) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 401.68 705.04 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.45 745.96 Td (Amounts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.70 736.96 Td (not of) Tj ET Q q 0 0 0 rg BT 465.78 736.96 Td (fset on the) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.60 727.96 Td (Consolidated Balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.10 718.96 Td (Sheet but eligible for) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.70 709.96 Td (of) Tj ET Q q 0 0 0 rg BT 454.03 709.96 Td (fsetting upon) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.20 700.96 Td (counterparty default) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 506.92 705.04 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.50 709.96 Td (Net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.30 700.96 Td (amounts) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 561.80 705.04 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 686.96 Td (Securities sold under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 677.96 Td (repurchase) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.00 677.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.75 677.96 Td (216,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.00 677.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.25 677.96 Td (73,476) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 677.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.75 677.96 Td (142,646) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 677.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.25 677.96 Td (73,716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.00 677.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 677.96 Td (68,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 663.96 Td (Deposits received for securities loaned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.25 663.96 Td (13,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.00 663.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.25 663.96 Td (13,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.75 663.96 Td (4,079) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 663.96 Td (9,226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 649.96 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 649.96 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.00 649.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.75 649.96 Td (229,427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.00 649.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.25 649.96 Td (73,476) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 649.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.75 649.96 Td (155,951) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 649.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.25 649.96 Td (77,795) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.00 649.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 649.96 Td (78,156) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 628.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 628.40 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 393.29 628.40 Td (fset under ) Tj ET Q q 0 0 0 rg BT 426.61 628.40 Td (ASC 210-20-45.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 618.80 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 618.80 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 36.00 609.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 609.25 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 405.51 609.25 Td (fset under ) Tj ET Q q 0 0 0 rg BT 438.83 609.25 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 54.00 599.65 Td (of) Tj ET Q q 0 0 0 rg BT 60.52 599.65 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 419.14 599.65 Td (fsetting right has been obtained.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 590.05 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 590.05 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 54.00 580.45 Td (enforceability of the of) Tj ET Q q 0 0 0 rg BT 127.38 580.45 Td (fsetting right.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 558.85 Td (The following tables present 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 36.00 546.85 Td (by remaining contractual maturity:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 469.35 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 469.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 469.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 469.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 469.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 469.35 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 275.5 510.35 m 335.5 510.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 510.35 m 395.5 510.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 510.35 m 455.5 510.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 510.35 m 515.5 510.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 510.35 m 575.5 510.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 483.35 m 275.5 483.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 483.35 m 335.5 483.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 483.35 m 395.5 483.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 483.35 m 455.5 483.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 483.35 m 515.5 483.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 483.35 m 575.5 483.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 483.35 m 275.5 483.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 483.35 m 335.5 483.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 483.35 m 395.5 483.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 483.35 m 455.5 483.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 483.35 m 515.5 469.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 483.35 m 515.5 483.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 483.35 m 575.5 483.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 469.35 m 515.5 455.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 455.35 m 275.5 455.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 441.35 m 275.5 441.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 455.35 m 335.5 455.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 441.35 m 335.5 441.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 455.35 m 395.5 455.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 441.35 m 395.5 441.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 455.35 m 455.5 455.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 441.35 m 455.5 441.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 455.35 m 515.5 441.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 455.35 m 515.5 455.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 441.35 m 515.5 441.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 455.35 m 575.5 455.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 441.35 m 575.5 441.35 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.70 514.80 Td (As of December) Tj ET Q q 0 0 0 rg BT 438.59 514.80 Td ( 31, 2018) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 487.60 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.10 496.80 Td (Open and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.50 487.80 Td (overnight) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.85 487.80 Td (Up to 30 days) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.85 487.80 Td (3190 days) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 496.80 Td (Gr) Tj ET Q q 0 0 0 rg BT 470.91 496.80 Td (eater) Tj ET Q q 0 0 0 rg BT 490.23 496.80 Td ( than) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.60 487.80 Td (90 days) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.15 487.80 Td (T) Tj ET Q q 0 0 0 rg BT 540.33 487.80 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 473.81 Td (Securities sold under agreements to repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 473.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 473.80 Td (108,405) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 473.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.25 473.80 Td (70,850) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 473.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.25 473.80 Td (29,898) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 473.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.25 473.80 Td (44,361) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 518.00 473.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 473.80 Td (253,514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 459.81 Td (Deposits received for securities loaned) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.75 459.80 Td (6,296) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.50 459.80 Td (774) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.75 459.80 Td (2,626) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.75 459.80 Td (1,982) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 459.80 Td (1) Tj ET Q q 0 0 0 rg BT 551.75 459.80 Td (1,678) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 445.80 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 445.80 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 445.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.75 445.80 Td (1) Tj ET Q q 0 0 0 rg BT 307.25 445.80 Td (14,701) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 445.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.25 445.80 Td (71,624) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 445.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.25 445.80 Td (32,524) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 445.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.25 445.80 Td (46,343) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 518.00 445.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 445.80 Td (265,192) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 364.35 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 364.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 364.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 364.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 364.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 364.35 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 275.5 405.35 m 335.5 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 405.35 m 395.5 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 405.35 m 455.5 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 405.35 m 515.5 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 405.35 m 575.5 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 378.35 m 275.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 378.35 m 335.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 378.35 m 395.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 378.35 m 455.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 378.35 m 515.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 378.35 m 575.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 378.35 m 275.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 378.35 m 335.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 378.35 m 395.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 378.35 m 455.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 378.35 m 515.5 364.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 378.35 m 515.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 378.35 m 575.5 378.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 364.35 m 515.5 350.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 350.35 m 275.5 350.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 336.35 m 275.5 336.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 350.35 m 335.5 350.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 336.35 m 335.5 336.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 350.35 m 395.5 350.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 336.35 m 395.5 336.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 350.35 m 455.5 350.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 336.35 m 455.5 336.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 350.35 m 515.5 336.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 350.35 m 515.5 350.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 336.35 m 515.5 336.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 350.35 m 575.5 350.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 336.35 m 575.5 336.35 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.60 409.81 Td (As of December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 382.60 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.60 391.81 Td (Open and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.75 382.81 Td (overnight) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.85 382.81 Td (Up to 30 days) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.35 382.81 Td (3190 days) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.60 391.81 Td (Greater than) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.10 382.81 Td (90 days) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.80 382.81 Td (T) Tj ET Q q 0 0 0 rg BT 540.67 382.81 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 368.81 Td (Securities sold under agreements to repurchase) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 368.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.25 368.81 Td (82,073) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 368.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.25 368.81 Td (68,372) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 368.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 368.81 Td (33,846) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 368.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 368.81 Td (31,831) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 368.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 368.81 Td (216,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 354.81 Td (Deposits received for securities loaned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 354.81 Td (9,946) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.50 354.81 Td (266) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.75 354.81 Td (1,912) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 354.81 Td (1,181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 354.81 Td (13,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 340.81 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 340.81 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 340.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.25 340.81 Td (92,019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 340.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.25 340.81 Td (68,638) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 340.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 340.81 Td (35,758) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 340.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 340.81 Td (33,012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 340.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 340.81 Td (229,427) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 312.85 Td (The following tables present 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 36.00 300.85 Td (by class of underlying collateral:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 212.35 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 212.35 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 212.35 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 212.35 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 184.35 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 184.35 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 184.35 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 184.35 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 156.35 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 156.35 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 156.35 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 156.35 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 128.35 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 128.35 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 128.35 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 128.35 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 368.5 264.35 m 437.5 264.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 264.35 m 506.5 264.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 264.35 m 575.5 264.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 228.35000000000002 m 368.5 228.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 228.35000000000002 m 437.5 228.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 228.35000000000002 m 506.5 228.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 228.35000000000002 m 575.5 228.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 228.35000000000002 m 368.5 228.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 228.35000000000002 m 437.5 228.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 228.35000000000002 m 506.5 212.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 228.35000000000002 m 506.5 228.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 228.35000000000002 m 506.5 212.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 228.35000000000002 m 575.5 228.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 212.35000000000002 m 506.5 198.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 212.35000000000002 m 506.5 198.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 198.35000000000002 m 506.5 184.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 198.35000000000002 m 506.5 184.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 184.35000000000002 m 506.5 170.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 184.35000000000002 m 506.5 170.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 170.35000000000002 m 506.5 156.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 170.35000000000002 m 506.5 156.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 156.35000000000002 m 506.5 142.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 156.35000000000002 m 506.5 142.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 142.35000000000002 m 506.5 128.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 142.35000000000002 m 506.5 128.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 128.35000000000002 m 506.5 114.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 128.35000000000002 m 506.5 114.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 114.35000000000002 m 368.5 114.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 100.35000000000002 m 368.5 100.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 114.35000000000002 m 437.5 114.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 100.35000000000002 m 437.5 100.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 114.35000000000002 m 506.5 100.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 114.35000000000002 m 506.5 114.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 100.35000000000002 m 506.5 100.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 114.35000000000002 m 575.5 114.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 100.35000000000002 m 575.5 100.35000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.20 268.80 Td (As of December) Tj ET Q q 0 0 0 rg BT 485.09 268.80 Td ( 31, 2018) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 232.60 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.80 241.80 Td (Repur) Tj ET Q q 0 0 0 rg BT 404.22 241.80 Td (chase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.55 232.80 Td (agr) Tj ET Q q 0 0 0 rg BT 393.46 232.80 Td (eements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.75 250.80 Td (Securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.20 241.80 Td (lending) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.55 232.80 Td (agr) Tj ET Q q 0 0 0 rg BT 462.46 232.80 Td (eements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.65 232.80 Td (T) Tj ET Q q 0 0 0 rg BT 535.83 232.80 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 216.81 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 56.17 216.81 Td (T) Tj ET Q q 0 0 0 rg BT 61.43 216.81 Td (reasury and federal agency securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 216.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.25 216.80 Td (86,785) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 216.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 216.80 Td (41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 216.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 216.80 Td (86,826) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 202.81 Td (State and municipal securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.75 202.80 Td (2,605) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 202.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 202.80 Td (2,605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 188.81 Td (Foreign government securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.25 188.80 Td (99,131) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 188.80 Td (179) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 188.80 Td (99,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 174.81 Td (Corporate bonds) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.25 174.80 Td (21,719) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 174.80 Td (749) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 174.80 Td (22,468) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 160.81 Td (Equity securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.25 160.80 Td (12,920) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.25 160.80 Td (10,664) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 160.80 Td (23,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 146.81 Td (Mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.25 146.80 Td (19,421) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 146.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 146.80 Td (19,421) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 132.81 Td (Asset-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.75 132.80 Td (6,207) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 132.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 132.80 Td (6,207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 118.81 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.75 118.80 Td (4,726) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 118.80 Td (45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 118.80 Td (4,771) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 104.80 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 104.80 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 104.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.75 104.80 Td (253,514) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 104.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.25 104.80 Td (1) Tj ET Q q 0 0 0 rg BT 482.75 104.80 Td (1,678) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 104.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 104.80 Td (265,192) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 353 0 obj <> endobj 354 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (176) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 689.50 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 689.50 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.00 689.50 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 689.50 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 661.50 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 661.50 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.00 661.50 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 661.50 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 633.50 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 633.50 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.00 633.50 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 633.50 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 605.50 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 605.50 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.00 605.50 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 605.50 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 350 741.5 m 425 741.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425 741.5 m 500 741.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 741.5 m 575 741.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 705.5 m 350 705.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 705.5 m 425 705.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425 705.5 m 500 705.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 705.5 m 575 705.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 705.5 m 350 705.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 705.5 m 425 705.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 705.5 m 500 689.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425 705.5 m 500 705.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 705.5 m 575 705.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 689.5 m 500 675.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 675.5 m 500 661.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 661.5 m 500 647.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 647.5 m 500 633.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 633.5 m 500 619.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 619.5 m 500 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 605.5 m 500 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 591.5 m 350 591.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36 577.5 m 350 577.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 591.5 m 425 591.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 350 577.5 m 425 577.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 591.5 m 500 577.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425 591.5 m 500 591.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 425 577.5 m 500 577.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 591.5 m 575 591.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500 577.5 m 575 577.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.60 745.96 Td (As of December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.50 709.75 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.00 718.96 Td (Repurchase) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 709.96 Td (agreements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.60 718.96 Td (Securities lending) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 709.96 Td (agreements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.80 709.96 Td (T) Tj ET Q q 0 0 0 rg BT 532.67 709.96 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 693.96 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 56.67 693.96 Td (T) Tj ET Q q 0 0 0 rg BT 61.93 693.96 Td (reasury and federal agency securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 693.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.75 693.96 Td (58,774) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 693.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 693.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.50 693.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 693.96 Td (58,774) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 679.96 Td (State and municipal securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.25 679.96 Td (1,605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 679.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 679.96 Td (1,605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 665.96 Td (Foreign government securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.75 665.96 Td (89,576) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 665.96 Td (105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 665.96 Td (89,681) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 651.96 Td (Corporate bonds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.75 651.96 Td (20,194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 651.96 Td (657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 651.96 Td (20,851) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 637.96 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.75 637.96 Td (20,724) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 637.96 Td (1) Tj ET Q q 0 0 0 rg BT 476.25 637.96 Td (1,907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 637.96 Td (32,631) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 623.96 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.75 623.96 Td (17,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 623.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 623.96 Td (17,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 609.96 Td (Asset-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.25 609.96 Td (5,479) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 609.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 609.96 Td (5,479) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 595.96 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.25 595.96 Td (1,979) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 595.96 Td (636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 595.96 Td (2,615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 581.96 Td (T) Tj ET Q q 0 0 0 rg BT 43.37 581.96 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 581.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 581.96 Td (216,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 581.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 581.96 Td (13,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.50 581.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.25 581.96 Td (229,427) 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 (177) 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 (Citi is exposed to risk of loss from the inability of brokers, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (dealers or customers to pay for purchases or to deliver the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (financial instruments sold, in which case Citi would have to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (sell or purchase the financial instruments at prevailing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (market prices. Credit risk is reduced to the extent that an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (exchange or clearing or) Tj ET Q q 0 0 0 rg BT 129.94 610.25 Td (ganization acts as a counterparty to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (the transaction and replaces the broker) Tj ET Q q 0 0 0 rg BT 189.70 598.25 Td (, dealer or customer in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (question.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 574.25 Td (Citi seeks to protect itself from the risks associated with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (customer activities by requiring customers to maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (mar) Tj ET Q q 0 0 0 rg BT 51.37 550.25 Td (gin collateral in compliance with regulatory and internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (guidelines. Mar) Tj ET Q q 0 0 0 rg BT 98.58 538.25 Td (gin levels are monitored daily) Tj ET Q q 0 0 0 rg BT 217.34 538.25 Td (, and customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (deposit additional collateral as required. ) Tj ET Q q 0 0 0 rg BT 198.54 526.25 Td (Where customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (cannot meet collateral requirements, Citi may liquidate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (suf) Tj ET Q q 0 0 0 rg BT 48.04 502.25 Td (ficient underlying financial instruments to bring the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (customer into compliance with the required mar) Tj ET Q q 0 0 0 rg BT 227.98 490.25 Td (gin level.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 478.25 Td (Exposure to credit risk is impacted by market volatility) Tj ET Q q 0 0 0 rg BT 273.85 478.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 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 36.00 454.25 Td (obligations to Citi. Credit limits are established and closely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 Td (monitored for customers and for brokers and dealers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 Td (engaged in forwards, futures and other transactions deemed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.25 Td (to be credit sensitive. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 406.25 Td (Br) Tj ET Q q 0 0 0 rg BT 63.63 406.25 Td (okerage r) Tj ET Q q 0 0 0 rg BT 101.86 406.25 Td (eceivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.00 406.25 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 162.94 406.25 Td (Br) Tj ET Q q 0 0 0 rg BT 172.56 406.25 Td (okerage payables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.82 406.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.25 Td (consisted of the following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 343.75 121.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 156.50 343.75 62.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 343.75 62.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 297.75 121.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 156.50 297.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 297.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 260.75 121.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 156.50 260.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 260.75 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 156.5 370.75 m 218.5 370.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 370.75 m 280.5 370.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 370.75 m 218.5 370.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 357.75 m 218.5 357.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 357.75 m 280.5 357.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 357.75 m 156.5 357.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 357.75 m 218.5 357.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 357.75 m 280.5 357.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 311.75 m 156.5 311.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 297.75 m 156.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 311.75 m 218.5 311.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 297.75 m 218.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 311.75 m 280.5 311.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 297.75 m 280.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 260.75 m 156.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 260.75 m 218.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 260.75 m 280.5 260.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 246.75 m 156.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 260.75 m 218.5 260.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 246.75 m 218.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 260.75 m 280.5 260.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 246.75 m 280.5 246.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.80 375.15 Td (December) Tj ET Q q 0 0 0 rg BT 230.69 375.15 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 362.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.00 362.15 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.00 362.01 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 348.61 Td (Receivables from customers) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.00 348.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.25 348.20 Td (14,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 348.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.25 348.21 Td (19,215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 334.61 Td (Receivables from brokers,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 325.61 Td (dealers and clearing) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 316.61 Td (or) Tj ET Q q 0 0 0 rg BT 45.42 316.61 Td (ganizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.25 316.20 Td (21,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.25 316.21 Td (19,169) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 302.70 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 302.70 Td (otal br) Tj ET Q q 0 0 0 rg BT 68.76 302.70 Td (okerage r) Tj ET Q q 0 0 0 rg BT 105.33 302.70 Td (eceivables) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 143.82 306.78 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.00 302.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.25 302.20 Td (35,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 302.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.25 302.21 Td (38,384) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 288.61 Td (Payables to customers) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.00 288.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.25 288.20 Td (40,273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 288.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.25 288.21 Td (38,741) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 274.61 Td (Payables to brokers, dealers) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 265.61 Td (and clearing or) Tj ET Q q 0 0 0 rg BT 91.81 265.61 Td (ganizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.25 265.20 Td (24,298) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.25 265.21 Td (22,601) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 251.70 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 251.70 Td (otal br) Tj ET Q q 0 0 0 rg BT 68.76 251.70 Td (okerage payables) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 135.01 255.78 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.00 251.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.25 251.20 Td (64,571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 251.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.25 251.21 Td (61,342) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 228.05 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 228.05 Td (Includes brokerage receivables and payables recorded by Citi broker) Tj ET Q q 0 0 0 rg BT 273.30 228.05 Td (-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 218.45 Td (dealer entities that are accounted for in accordance with the ) Tj ET Q q 0 0 0 rg BT 245.91 218.45 Td (AICP) Tj ET Q q 0 0 0 rg BT 263.40 218.45 Td (A) Tj ET Q q 0 0 0 rg BT 268.73 218.45 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 208.85 Td (Accounting Guide for Brokers and Dealers in Securities as codified in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 199.25 Td (ASC 940-320.) Tj ET Q endstream endobj 357 0 obj <> endobj 358 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (178) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (13.INVESTMENTS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 718.25 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.25 Td (Citi adopted ) Tj ET Q q 0 0 0 rg BT 100.61 706.25 Td (ASU 2016-01 and ) Tj ET Q q 0 0 0 rg BT 175.33 706.25 Td (ASU 2018-03 as of January 1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 74.32 694.25 Td (The ) Tj ET Q q 0 0 0 rg BT 91.81 694.25 Td (ASUs require fair value changes on marketable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.25 Td (equity securities to be recognized in earnings. ) Tj ET Q q 0 0 0 rg BT 234.81 682.25 Td (The available-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.25 Td (for) Tj ET Q q 0 0 0 rg BT 60.96 670.25 Td (-sale category was eliminated for equity securities. ) Tj ET Q q 0 0 0 rg BT 265.89 670.25 Td (Also, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.25 Td (non-marketable equity securities are required to be measured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 718.25 Td (at fair value with changes in fair value recognized in earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 706.25 Td (unless \(i\) the measurement alternative is elected or \(ii\) the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 694.25 Td (investment represents Federal Reserve Bank and Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 682.25 Td (Home Loan Bank stock or certain exchange seats that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 670.25 Td (continue to be carried at cost. See Note 1 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 658.25 Td (Financial Statements for additional details.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.25 Td (The following tables present Citi) Tj ET Q q 0 0 0 rg BT 183.92 634.25 Td (s investments by category:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 595.75 450.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 595.75 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 567.75 450.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 567.75 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 539.75 450.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 539.75 86.00 -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 50 609.75 m 500 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 609.75 m 586 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 525.75 m 586 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 525.75 m 500 525.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 511.75 m 500 511.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 525.75 m 586 525.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500 511.75 m 586 511.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 614.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.20 614.20 Td (December) Tj ET Q q 0 0 0 rg BT 545.01 614.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 600.21 Td (Debt securities available-for) Tj ET Q q 0 0 0 rg BT 154.27 600.21 Td (-sale \(AFS\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.50 600.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.25 600.20 Td (288,038) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 586.21 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 195.71 590.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.75 586.20 Td (63,357) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 572.21 Td (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 226.91 576.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 569.00 572.20 Td (220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 558.21 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 244.41 562.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 569.00 558.20 Td (889) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 544.21 Td (Non-marketable equity securities measured using the measurement alternative) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 334.15 548.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 569.00 544.20 Td (538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 530.21 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 224.68 534.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.25 530.20 Td (5,565) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 516.20 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 516.20 Td (otal investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.50 516.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.25 516.20 Td (358,607) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 461.75 450.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 461.75 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 433.75 450.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 433.75 86.00 -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 50 475.75 m 500 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 475.75 m 586 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 419.75 m 586 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 419.75 m 500 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 405.75 m 500 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 419.75 m 586 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500 405.75 m 586 405.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 480.00 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.10 481.01 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 466.21 Td (Securities available-for) Tj ET Q q 0 0 0 rg BT 136.03 466.21 Td (-sale \(AFS\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.50 466.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.25 466.21 Td (290,914) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 452.21 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 195.71 456.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.75 452.21 Td (53,320) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 438.21 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 244.41 442.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.25 438.21 Td (1,206) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 424.21 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 224.68 428.29 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.25 424.21 Td (6,850) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 410.20 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 410.20 Td (otal investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.50 410.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.25 410.21 Td (352,290) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 388.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 388.65 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 49.50 379.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 379.05 Td (Unrealized gains and losses are recognized in earnings.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 369.45 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 369.45 Td (Impairment losses and adjustments to the carrying value as a result of observable price changes are recognized in earnings.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 359.85 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 359.85 Td (Primarily consists of shares issued by the Federal Reserve Bank, Federal Home Loan Banks and certain exchanges of which Citigroup is a member) Tj ET Q q 0 0 0 rg BT 538.27 359.85 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 335.85 Td (The following table presents interest and dividend income on investments:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 297.35 356.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 297.35 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 297.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 297.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 269.35 356.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 269.35 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 269.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 269.35 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 50 311.35 m 406 311.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406 311.35 m 465 311.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465 311.35 m 525 311.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 311.35 m 585 311.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406 311.35 m 465 311.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465 311.35 m 525 311.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 311.35 m 585 311.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406 269.35 m 465 269.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465 269.35 m 525 269.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 269.35 m 585 269.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 269.35 m 406 269.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 255.35000000000002 m 406 255.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406 269.35 m 465 269.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 406 255.35000000000002 m 465 255.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465 269.35 m 525 269.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 465 255.35000000000002 m 525 255.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525 255.35000000000002 m 585 255.35000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 315.60 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 315.80 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 315.81 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 315.81 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 301.81 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 301.81 Td (axable interest) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 301.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.25 301.80 Td (8,704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.50 301.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 301.81 Td (7,538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 301.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 301.81 Td (6,858) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 287.81 Td (Interest exempt from U.S. federal income tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 287.80 Td (521) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 287.81 Td (535) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 287.81 Td (549) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 273.81 Td (Dividend income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 273.80 Td (269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 273.81 Td (222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 273.81 Td (175) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 259.80 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 259.80 Td (otal inter) Tj ET Q q 0 0 0 rg BT 92.75 259.80 Td (est and dividend income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 259.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.25 259.80 Td (9,494) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.50 259.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 259.81 Td (8,295) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 259.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.25 259.81 Td (7,582) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.85 Td (The following table presents realized gains and losses on the sale of investments, which excludes OTTI losses:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 193.35 356.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 193.35 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 193.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 193.35 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 50 207.35000000000002 m 406 207.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465 207.35000000000002 m 525 207.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 207.35000000000002 m 585 207.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406 207.35000000000002 m 465 207.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465 207.35000000000002 m 525 207.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 207.35000000000002 m 585 207.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406 179.35000000000002 m 465 179.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 179.35000000000002 m 585 179.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 179.35000000000002 m 406 179.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 165.35000000000002 m 406 165.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 406 165.35000000000002 m 465 165.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465 179.35000000000002 m 525 179.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 465 165.35000000000002 m 525 165.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 179.35000000000002 m 585 179.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525 165.35000000000002 m 585 165.35000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 211.60 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 211.80 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 211.81 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 211.81 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 197.81 Td (Gross realized investment gains) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 197.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 197.80 Td (682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.50 197.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 197.81 Td (1,039) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 197.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 197.81 Td (1,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 183.81 Td (Gross realized investment losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 183.80 Td (\(261) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 183.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 183.81 Td (\(261) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.50 183.81 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.00 183.81 Td (\(51) Tj ET Q q 0 0 0 rg BT 577.00 183.81 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.50 183.81 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 169.80 Td (Net r) Tj ET Q q 0 0 0 rg BT 72.07 169.80 Td (ealized gains on sale of investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 169.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 169.80 Td (421) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.50 169.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 169.81 Td (778) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 169.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 169.81 Td (949) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 141.85 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 49.50 129.85 Td (classified as HTM. ) Tj ET Q q 0 0 0 rg BT 127.63 129.85 Td (These sales were in response to significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 117.85 Td (deterioration in the creditworthiness of the issuers or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 105.85 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 93.85 Td (portion \(at least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.76 93.85 Td (85%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.09 93.85 Td (\) of the principal outstanding at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 81.85 Td (acquisition of the security) Tj ET Q q 0 0 0 rg BT 152.43 81.85 Td (. In addition, certain other debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 69.85 Td (securities were reclassified to ) Tj ET Q q 0 0 0 rg BT 169.45 69.85 Td (AFS investments in response to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 141.85 Td (significant credit deterioration. Because the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 129.85 Td (generally intends to sell these reclassified debt securities, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 117.85 Td (recorded OTTI on the securities. ) Tj ET Q q 0 0 0 rg BT 467.79 117.85 Td (The following table presents, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 105.85 Td (for the periods indicated, the carrying value of HTM debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 93.85 Td (securities sold and reclassified to ) Tj ET Q q 0 0 0 rg BT 469.38 93.85 Td (AFS, as well as the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 81.85 Td (gain \(loss\) or the OTTI losses recorded on these securities: ) 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 31.60 Td (179) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 720.50 356.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 720.50 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 720.50 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 720.50 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 692.50 356.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 692.50 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 692.50 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 692.50 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 50 734.5 m 344 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 734.5 m 406 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406 734.5 m 466 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 734.5 m 525 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 734.5 m 585 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 734.5 m 525 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 734.5 m 585 734.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 678.5 m 344 678.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 344 678.5 m 406 678.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 406 678.5 m 466 678.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 466 678.5 m 525 678.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525 678.5 m 585 678.5 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 738.75 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.50 738.95 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 738.96 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 738.96 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 724.96 Td (Carrying value of HTM debt securities sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 724.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 724.95 Td (61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 724.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 724.96 Td (81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 724.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 724.96 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 710.96 Td (Net realized gain \(loss\) on sale of HTM debt securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 710.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 710.96 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 710.96 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 696.96 Td (Carrying value of debt securities reclassified to ) Tj ET Q q 0 0 0 rg BT 224.44 696.96 Td (AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 696.95 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 696.96 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 696.96 Td (150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 682.96 Td (OTTI losses on debt securities reclassified to ) Tj ET Q q 0 0 0 rg BT 216.21 682.96 Td (AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 682.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 682.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 574.00 682.96 Td (\(6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.50 682.96 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 655.00 Td (Securities ) Tj ET Q q 0 0 0 rg BT 93.10 655.00 Td (A) Tj ET Q q 0 0 0 rg BT 99.58 655.00 Td (vailable-for) Tj ET Q q 0 0 0 rg BT 148.65 655.00 Td (-Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 643.00 Td (The amortized cost and fair value of ) Tj ET Q q 0 0 0 rg BT 196.38 643.00 Td (AFS securities were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 586.50 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 586.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 586.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 586.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 586.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 586.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 586.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 586.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 586.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 558.50 160.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 558.50 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 558.50 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 558.50 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 558.50 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 558.50 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 558.50 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 558.50 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 558.50 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 521.50 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 521.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 521.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 521.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 521.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 521.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 521.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 521.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 521.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 493.50 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 493.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 493.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 493.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 493.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 493.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 493.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 493.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 493.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 465.50 160.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 465.50 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 465.50 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 465.50 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 465.50 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 465.50 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 465.50 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 465.50 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 465.50 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 428.50 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 428.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 428.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 428.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 428.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 428.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 428.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 428.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 428.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 391.50 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 391.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 391.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 391.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 391.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 391.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 391.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 391.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 391.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 363.50 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 363.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 363.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 363.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 363.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 363.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 363.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 363.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 363.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 335.50 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 335.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 335.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 335.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 335.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 335.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 335.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 335.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 335.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 307.50 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 307.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 307.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 307.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 307.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 307.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 307.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 307.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 307.50 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 210 618.5 m 259 618.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 618.5 m 307 618.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 618.5 m 356 618.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 618.5 m 398 618.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 618.5 m 446 618.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 618.5 m 495 618.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 618.5 m 543 618.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 618.5 m 585 618.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 586.5 m 210 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 586.5 m 259 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 586.5 m 307 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 586.5 m 356 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 586.5 m 398 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 618.5 m 398 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 586.5 m 446 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 586.5 m 495 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 586.5 m 543 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 586.5 m 585 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 586.5 m 398 572.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 572.5 m 398 558.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 558.5 m 398 535.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 535.5 m 398 521.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 535.5 m 398 521.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 521.5 m 398 507.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 521.5 m 398 507.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 507.5 m 398 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 507.5 m 398 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 479.5 m 259 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 479.5 m 307 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 479.5 m 356 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 493.5 m 398 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 479.5 m 398 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 493.5 m 398 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 479.5 m 446 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 479.5 m 495 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 479.5 m 543 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 479.5 m 585 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 479.5 m 210 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 465.5 m 210 465.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 479.5 m 259 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 465.5 m 259 465.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 479.5 m 307 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 465.5 m 307 465.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 479.5 m 356 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 465.5 m 356 465.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 479.5 m 398 465.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 479.5 m 398 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 465.5 m 398 465.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 479.5 m 398 465.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 479.5 m 446 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 465.5 m 446 465.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 479.5 m 495 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 465.5 m 495 465.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 479.5 m 543 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 465.5 m 543 465.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 479.5 m 585 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 465.5 m 585 465.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 465.5 m 398 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 442.5 m 398 428.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 442.5 m 398 428.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 414.5 m 259 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 414.5 m 307 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 414.5 m 356 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 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RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 414.5 m 398 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 391.5 m 398 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 414.5 m 398 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 414.5 m 446 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 391.5 m 446 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 414.5 m 495 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 391.5 m 495 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 414.5 m 543 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 391.5 m 543 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 414.5 m 585 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 391.5 m 585 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 391.5 m 259 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 391.5 m 307 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 391.5 m 356 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 391.5 m 398 377.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 391.5 m 398 377.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 391.5 m 446 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 391.5 m 495 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 391.5 m 543 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 391.5 m 585 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 377.5 m 398 363.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 377.5 m 398 363.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 363.5 m 398 349.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 363.5 m 398 349.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 349.5 m 398 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 349.5 m 398 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 321.5 m 259 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 321.5 m 307 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 321.5 m 356 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 335.5 m 398 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 335.5 m 398 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 321.5 m 446 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 321.5 m 495 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 321.5 m 543 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 321.5 m 210 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 307.5 m 210 307.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 321.5 m 259 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 307.5 m 259 307.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 321.5 m 307 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 307.5 m 307 307.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 321.5 m 356 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 307.5 m 356 307.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 321.5 m 398 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 307.5 m 398 307.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 321.5 m 398 307.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 321.5 m 446 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 307.5 m 446 307.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 321.5 m 495 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 307.5 m 495 307.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 321.5 m 543 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 307.5 m 543 307.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 321.5 m 585 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 307.5 m 585 307.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 307.5 m 398 293.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 307.5 m 398 307.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 307.5 m 398 293.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 293.5 m 210 293.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 279.5 m 210 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 293.5 m 259 293.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 210 279.5 m 259 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 293.5 m 307 293.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 259 279.5 m 307 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 293.5 m 356 293.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 307 279.5 m 356 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 293.5 m 398 293.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 356 279.5 m 398 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 293.5 m 398 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 293.5 m 446 293.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 398 279.5 m 446 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 293.5 m 495 293.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446 279.5 m 495 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 293.5 m 543 293.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 495 279.5 m 543 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 293.5 m 585 293.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 543 279.5 m 585 279.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 622.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 622.95 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 622.96 Td (2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 590.75 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.50 599.95 Td (Amortized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.50 590.95 Td (cost) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.30 608.95 Td (Gr) Tj ET Q q 0 0 0 rg BT 282.13 608.95 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.30 599.95 Td (unr) Tj ET Q q 0 0 0 rg BT 276.14 599.95 Td (ealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.45 590.95 Td (gains) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.80 608.95 Td (Gr) Tj ET Q q 0 0 0 rg BT 330.63 608.95 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.80 599.95 Td (unr) Tj ET Q q 0 0 0 rg BT 324.64 599.95 Td (ealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.20 590.95 Td (losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.30 599.95 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.20 590.95 Td (value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 599.96 Td (Amortized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.25 590.96 Td (cost) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.45 608.96 Td (Gross) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 599.96 Td (unrealized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.50 590.96 Td (gains) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.95 608.96 Td (Gross) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.75 599.96 Td (unrealized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.70 590.96 Td (losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 599.96 Td (Fair) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.75 590.96 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 576.95 Td (Securities ) Tj ET Q q 0 0 0 rg BT 91.99 576.95 Td (AFS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.50 576.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 576.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.50 576.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 576.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 576.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 576.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 576.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 576.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 562.96 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 152.21 567.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.50 562.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 562.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.50 562.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 562.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 562.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 562.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 562.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 562.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 548.96 Td (U.S. government-sponsored agency) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 539.96 Td (guaranteed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 539.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.75 539.95 Td (43,504) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 539.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.00 539.95 Td (241) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 539.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 539.95 Td (725) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 539.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 539.95 Td (43,020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 539.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 539.96 Td (42,1) Tj ET Q q 0 0 0 rg BT 433.50 539.96 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 539.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 539.96 Td (125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 539.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 539.96 Td (500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 539.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 539.96 Td (41,741) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 525.96 Td (Prime) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.50 525.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 525.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 525.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.50 525.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 525.96 Td (1) Tj ET Q q 0 0 0 rg BT 438.00 525.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 525.96 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 525.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 525.96 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 511.96 Td (Alt-A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 511.95 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 511.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 511.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 511.95 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 511.96 Td (26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 511.96 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 511.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 511.96 Td (1) Tj ET Q q 0 0 0 rg BT 572.50 511.96 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 497.96 Td (Non-U.S. residential) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.25 497.95 Td (1,310) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.00 497.95 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.00 497.95 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 497.95 Td (1,312) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 497.96 Td (2,744) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 497.96 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 497.96 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 497.96 Td (2,751) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 483.96 Td (Commercial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 483.95 Td (173) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.00 483.95 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.00 483.95 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 483.95 Td (172) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 483.96 Td (334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 483.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 483.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 483.96 Td (332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 469.96 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 469.96 Td (otal mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 469.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.75 469.95 Td (44,988) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 469.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.00 469.95 Td (246) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 469.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 469.95 Td (729) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 469.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 469.95 Td (44,505) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 469.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 469.96 Td (45,231) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 469.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 469.96 Td (234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 469.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 469.96 Td (508) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 469.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 469.96 Td (44,957) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 455.96 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 70.67 455.96 Td (T) Tj ET Q q 0 0 0 rg BT 75.93 455.96 Td (reasury and federal agency) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 446.96 Td (securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 446.96 Td () 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 497.50 446.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 446.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 432.96 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 76.67 432.96 Td (T) Tj ET Q q 0 0 0 rg BT 81.93 432.96 Td (reasury) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 432.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.25 432.95 Td (109,376) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 432.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 432.95 Td (33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 432.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.25 432.95 Td (1,339) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 432.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 432.95 Td (108,070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 432.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 432.96 Td (108,344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 432.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 432.96 Td (77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 432.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 432.96 Td (971) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 432.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 432.96 Td (107,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 418.96 Td (Agency obligations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.25 418.95 Td (9,283) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.00 418.95 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 418.95 Td (132) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 418.95 Td (9,152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 418.96 Td (10,813) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 418.96 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 418.96 Td (124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 418.96 Td (10,696) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 404.96 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 404.96 Td (otal U.S. ) Tj ET Q q 0 0 0 rg BT 91.29 404.96 Td (T) Tj ET Q q 0 0 0 rg BT 96.55 404.96 Td (reasury and federal agency) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 395.96 Td (securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 395.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.25 395.95 Td (1) Tj ET Q q 0 0 0 rg BT 230.75 395.95 Td (18,659) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 395.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 395.95 Td (34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 395.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.25 395.95 Td (1,471) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 395.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 395.95 Td (1) Tj ET Q q 0 0 0 rg BT 369.75 395.95 Td (17,222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 395.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 395.96 Td (1) Tj ET Q q 0 0 0 rg BT 417.75 395.96 Td (19,157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 395.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 395.96 Td (84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 395.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 395.96 Td (1,095) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 395.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 395.96 Td (1) Tj ET Q q 0 0 0 rg BT 556.75 395.96 Td (18,146) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 381.96 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 123.98 386.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 381.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.25 381.95 Td (9,372) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 381.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 381.95 Td (96) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 381.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 381.95 Td (262) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 381.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 381.95 Td (9,206) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 381.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 381.96 Td (8,870) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 381.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 381.96 Td (140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 381.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 381.96 Td (245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 381.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 381.96 Td (8,765) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 367.96 Td (Foreign government) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.25 367.95 Td (100,872) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.00 367.95 Td (415) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 367.95 Td (596) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 367.95 Td (100,691) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 367.96 Td (100,615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 367.96 Td (508) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 367.96 Td (590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 367.96 Td (100,533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 353.96 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.75 353.95 Td (1) Tj ET Q q 0 0 0 rg BT 235.25 353.95 Td (1,714) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 353.95 Td (42) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 353.95 Td (157) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 353.95 Td (1) Tj ET Q q 0 0 0 rg BT 374.25 353.95 Td (1,599) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 353.96 Td (14,144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 353.96 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 353.96 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 353.96 Td (14,109) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 339.96 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 137.22 344.04 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 339.95 Td (845) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.00 339.95 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.00 339.95 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 339.95 Td (843) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 339.96 Td (3,906) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 339.96 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 339.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 339.96 Td (3,918) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 325.96 Td (Other debt securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.25 325.95 Td (3,973) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 325.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.00 325.95 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 325.95 Td (3,972) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 325.96 Td (297) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 325.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 325.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 325.96 Td (297) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 311.96 Td (T) Tj ET Q q 0 0 0 rg BT 57.37 311.96 Td (otal debt securities ) Tj ET Q q 0 0 0 rg BT 126.60 311.96 Td (AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 311.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.25 311.95 Td (290,423) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 311.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.00 311.95 Td (835) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 311.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.25 311.95 Td (3,220) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 311.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 311.95 Td (288,038) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 311.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 311.96 Td (292,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 311.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 311.96 Td (1,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 311.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 311.96 Td (2,526) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 311.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 311.96 Td (290,725) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 297.96 Td (Marketable equity securities ) Tj ET Q q 0 0 0 rg BT 156.22 297.96 Td (AFS) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 172.73 302.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 297.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.50 297.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 297.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 297.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 297.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 297.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 297.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.50 297.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 297.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 297.96 Td (186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 297.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 297.96 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 297.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 297.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 297.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 297.96 Td (189) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 283.95 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 283.95 Td (otal securities ) Tj ET Q q 0 0 0 rg BT 112.16 283.95 Td (AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 283.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.25 283.95 Td (290,423) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 283.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.00 283.95 Td (835) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 283.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.25 283.95 Td (3,220) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 283.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 283.95 Td (288,038) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 283.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 283.96 Td (292,406) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 283.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 283.96 Td (1,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 283.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 283.96 Td (2,527) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 283.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 283.96 Td (290,914) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 262.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 262.40 Td (The Company invests in mortgage- and asset-backed securities. ) Tj ET Q q 0 0 0 rg BT 272.85 262.40 Td (These securitization entities are generally considered ) Tj ET Q q 0 0 0 rg BT 444.19 262.40 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 464.48 262.40 Td (The Company) Tj ET Q q 0 0 0 rg BT 512.25 262.40 Td (s maximum exposure ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 252.80 Td (to loss from these ) Tj ET Q q 0 0 0 rg BT 126.02 252.80 Td (VIEs is equal to the carrying amount of the securities, which is reflected in the table above. For mortgage- and asset-backed securitizations in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 243.20 Td (which the Company has other involvement, see Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 238.79 243.20 Td (21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 246.79 243.20 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 233.60 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 233.60 Td (In the second quarter of 2017, Citi early adopted ) Tj ET Q q 0 0 0 rg BT 224.34 233.60 Td (ASU 2017-08) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 269.01 233.60 Td (, ReceivableNonr) Tj ET Q q 0 0 0 rg BT 331.36 233.60 Td (efundable Fees and Other Costs \(Subtopic 310-20\): Pr) Tj ET Q q 0 0 0 rg BT 506.82 233.60 Td (emium ) Tj ET Q q 0 0 0 rg BT 530.00 233.60 Td (Amortization on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 67.50 224.00 Td (Pur) Tj ET Q q 0 0 0 rg BT 79.20 224.00 Td (chased Callable Debt Securities. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 186.07 224.00 Td (Upon adoption, a cumulative ef) Tj ET Q q 0 0 0 rg BT 287.01 224.00 Td (fect adjustment was recorded to reduce ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 414.06 224.00 Td (Retained earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.50 224.00 Td (, ef) Tj ET Q q 0 0 0 rg BT 482.57 224.00 Td (fective January 1, 2017, for the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 214.40 Td (incremental amortization of purchase premiums and cumulative fair value hedge adjustments on callable state and municipal debt securities. See Note 1 to the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 204.80 Td (Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 195.20 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 195.20 Td (Citi adopted ) Tj ET Q q 0 0 0 rg BT 108.39 195.20 Td (ASU 2016-01 and ) Tj ET Q q 0 0 0 rg BT 168.16 195.20 Td (ASU 2018-03 as of January 1, 2018, resulting in a cumulative ef) Tj ET Q q 0 0 0 rg BT 374.42 195.20 Td (fect adjustment from ) Tj ET Q q 0 0 0 rg BT 442.63 195.20 Td (AOCI to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 472.40 195.20 Td (Retained earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.84 195.20 Td ( for net ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 185.60 Td (unrealized gains on marketable equity securities ) Tj ET Q q 0 0 0 rg BT 223.00 185.60 Td (AFS. ) Tj ET Q q 0 0 0 rg BT 241.53 185.60 Td (The ) Tj ET Q q 0 0 0 rg BT 255.53 185.60 Td (AFS category was eliminated for equity securities ef) Tj ET Q q 0 0 0 rg BT 423.55 185.60 Td (fective January 1, 2018. See Note 1 to the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 176.00 Td (Consolidated Financial Statements for additional details.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 142.40 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.00 142.40 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.58 142.40 Td (, the amortized cost of fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.40 Td (income securities exceeded their fair value by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.25 130.40 Td ($3,220 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.14 130.40 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.40 Td (Of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.27 118.40 Td ($3,220 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.16 118.40 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.16 118.40 Td ($752 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.55 118.40 Td ( represented unrealized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.40 Td (losses on fixed income investments that have been in a gross-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.40 Td (unrealized-loss position for less than a year and, of these, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.40 Td (92%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.83 82.40 Td ( were rated investment grade; and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.55 82.40 Td ($2,468 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.44 82.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 154.40 Td (represented unrealized losses on fixed income investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 142.40 Td (that have been in a gross-unrealized-loss position for a year or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 130.40 Td (more and, of these, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.11 130.40 Td (98%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.44 130.40 Td ( were rated investment grade. Of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 118.40 Td ($2,468 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.14 118.40 Td ( mentioned above, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.23 118.40 Td ($1,297 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.12 118.40 Td ( represents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 106.40 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 355.35 106.40 Td (T) Tj ET Q q 0 0 0 rg BT 361.11 106.40 Td (reasury securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 94.40 Td ( ) 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 31.60 Td (180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (The following table shows the fair value of ) Tj ET Q q 0 0 0 rg BT 223.90 742.10 Td (AFS securities that have been in an unrealized loss position:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 685.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 685.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 685.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 685.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 685.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 685.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 685.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 657.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 657.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 657.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 657.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 657.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 657.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 657.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 629.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 629.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 629.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 629.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 629.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 629.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 629.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 601.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 601.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 601.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 601.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 601.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 601.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 601.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 573.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 573.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 573.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 573.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 573.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 573.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 573.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 545.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 545.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 545.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 545.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 545.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 545.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 545.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 517.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 517.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 517.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 517.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 517.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 517.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 517.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 489.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 489.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 489.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 489.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 489.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 489.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 489.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 461.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 461.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 461.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 461.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 461.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 461.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 461.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 433.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 433.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 433.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 433.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 433.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 433.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 433.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 405.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 405.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 405.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 405.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 405.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 405.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 405.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 377.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 377.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 377.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 377.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 377.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 377.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 377.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 349.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 349.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 349.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 349.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 349.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 349.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 349.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 321.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 321.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 321.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 321.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 321.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 321.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 321.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 293.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 293.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 293.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 293.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 293.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 293.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 293.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 265.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 265.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 265.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 265.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 265.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 265.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 265.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 237.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 237.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 237.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 237.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 237.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 237.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 237.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 209.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 209.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 209.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 209.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 209.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 209.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 209.60 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 308 717.6 m 353 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353 717.6 m 400 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 717.6 m 445 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 717.6 m 492 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 717.6 m 537 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537 717.6 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 50 685.6 m 308 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308 685.6 m 353 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 717.6 m 400 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353 685.6 m 400 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 685.6 m 445 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 717.6 m 492 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 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0 rg BT 447.80 699.05 Td (unr) Tj ET Q q 0 0 0 rg BT 461.64 699.05 Td (ealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.20 690.05 Td (losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.80 699.05 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.70 690.05 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.30 708.05 Td (Gr) Tj ET Q q 0 0 0 rg BT 560.13 708.05 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 540.30 699.05 Td (unr) Tj ET Q q 0 0 0 rg BT 554.14 699.05 Td (ealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.70 690.05 Td (losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 676.05 Td (December) Tj ET Q q 0 0 0 rg BT 91.39 676.05 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 676.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 676.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 676.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 676.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 676.06 Td () Tj ET Q BT /F1 9.00 Tf 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9.00 Tf ET q 0 0 0 rg BT 539.50 648.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 634.06 Td (U.S. government-sponsored agency guaranteed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 634.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.25 634.05 Td (4,022) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.50 634.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 634.05 Td (286) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.50 634.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.75 634.05 Td (13,143) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 634.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 634.05 Td (439) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 634.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.75 634.05 Td (17,165) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.50 634.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 634.05 Td (725) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 620.06 Td (Non-U.S. residential) Tj ET Q BT /F2 9.00 Tf 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ET q 0 0 0 rg BT 329.25 592.05 Td (4,385) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.50 592.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 592.05 Td (289) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.50 592.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.75 592.05 Td (13,227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 592.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 592.05 Td (440) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 592.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.75 592.05 Td (17,612) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.50 592.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 592.05 Td (729) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 578.06 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 70.67 578.06 Td (T) Tj ET Q q 0 0 0 rg BT 75.93 578.06 Td (reasury and federal agency securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 578.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 578.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 578.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 578.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 578.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 578.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 564.06 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 76.67 564.06 Td (T) Tj ET Q q 0 0 0 rg BT 81.93 564.06 Td (reasury) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 564.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.25 564.05 Td (8,389) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.50 564.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 564.05 Td (42) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.50 564.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.75 564.05 Td (77,883) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 564.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 564.05 Td (1,297) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 564.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.75 564.05 Td (86,272) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.50 564.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.25 564.05 Td (1,339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 550.06 Td (Agency obligations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 550.05 Td (277) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 550.05 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 550.05 Td (8,660) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 550.05 Td (130) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 550.05 Td (8,937) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 550.05 Td (132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 536.06 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 536.06 Td (otal U.S. ) Tj ET Q q 0 0 0 rg BT 91.29 536.06 Td (T) Tj ET Q q 0 0 0 rg BT 96.55 536.06 Td (reasury and federal agency securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 536.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.25 536.05 Td (8,666) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.50 536.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 536.05 Td (44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.50 536.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.75 536.05 Td (86,543) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 536.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 536.05 Td (1,427) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 536.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.75 536.05 Td (95,209) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.50 536.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.25 536.05 Td (1,471) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 522.06 Td (State and municipal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 522.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.25 522.05 Td (1,614) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.50 522.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 522.05 Td (34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.50 522.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 522.05 Td (1,303) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 522.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 522.05 Td (228) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 522.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 522.05 Td (2,917) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.50 522.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 522.05 Td (262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 508.06 Td (Foreign government) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.75 508.05 Td (40,655) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 508.05 Td (265) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.75 508.05 Td (15,053) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 508.05 Td (331) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.75 508.05 Td (55,708) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 508.05 Td (596) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 494.06 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.25 494.05 Td (4,547) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 494.05 Td (1) Tj ET Q q 0 0 0 rg BT 387.50 494.05 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 494.05 Td (2,077) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 494.05 Td (42) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 494.05 Td (6,624) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 494.05 Td (157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 480.06 Td (Asset-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 480.05 Td (441) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 480.05 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.50 480.05 Td (55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 480.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 480.05 Td (496) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 577.00 480.05 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 466.06 Td (Other debt securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.25 466.05 Td (1,790) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 466.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.50 466.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 466.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 466.05 Td (1,790) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 577.00 466.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 452.05 Td (T) Tj ET Q q 0 0 0 rg BT 58.09 452.05 Td (otal debt securities ) Tj ET Q q 0 0 0 rg BT 131.67 452.05 Td (AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 452.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.75 452.05 Td (62,098) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.50 452.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 452.05 Td (752) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.50 452.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 452.05 Td (1) Tj ET Q q 0 0 0 rg BT 416.75 452.05 Td (18,258) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 452.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 452.05 Td (2,468) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 452.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.25 452.05 Td (180,356) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.50 452.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.25 452.05 Td (3,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 438.06 Td (December 31, 2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 438.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.50 438.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.50 438.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 438.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.50 438.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 581.50 438.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 424.05 Td (Securities ) Tj ET Q q 0 0 0 rg BT 91.99 424.05 Td (AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 424.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.50 424.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.50 424.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 424.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.50 424.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 581.50 424.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 410.06 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.50 410.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.50 410.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 410.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 410.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 410.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.50 410.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 396.06 Td (U.S. government-sponsored agency guaranteed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 396.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 396.06 Td (30,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 396.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 396.06 Td (438) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 396.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 396.06 Td (2,206) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 396.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 396.06 Td (62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 396.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 396.06 Td (33,200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 396.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 396.06 Td (500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 382.06 Td (Non-U.S. residential) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 382.06 Td (753) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 382.06 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.50 382.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 382.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 382.06 Td (753) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.00 382.06 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 368.06 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 368.06 Td (150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 368.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.50 368.06 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 368.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 368.06 Td (207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.00 368.06 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 354.06 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 354.06 Td (otal mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 354.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 354.06 Td (31,897) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 354.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 354.06 Td (445) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 354.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 354.06 Td (2,263) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 354.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 354.06 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 354.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 354.06 Td (34,160) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 354.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 354.06 Td (508) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 340.06 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 70.67 340.06 Td (T) Tj ET Q q 0 0 0 rg BT 75.93 340.06 Td (reasury and federal agency securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.50 340.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.50 340.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 340.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 340.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 340.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.50 340.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 326.06 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 76.67 326.06 Td (T) Tj ET Q q 0 0 0 rg BT 81.93 326.06 Td (reasury) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 326.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 326.06 Td (79,050) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 326.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 326.06 Td (856) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 326.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 326.06 Td (7,404) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 326.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 326.06 Td (1) Tj ET Q q 0 0 0 rg BT 479.50 326.06 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 326.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 326.06 Td (86,454) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 326.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 326.06 Td (971) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 312.06 Td (Agency obligations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.25 312.06 Td (8,857) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 312.06 Td (1) Tj ET Q q 0 0 0 rg BT 387.50 312.06 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 312.06 Td (1,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 312.06 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 312.06 Td (10,020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 312.06 Td (124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 298.06 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 298.06 Td (otal U.S. ) Tj ET Q q 0 0 0 rg BT 91.29 298.06 Td (T) Tj ET Q q 0 0 0 rg BT 96.55 298.06 Td (reasury and federal agency securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 298.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 298.06 Td (87,907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 298.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 298.06 Td (966) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 298.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 298.06 Td (8,567) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 298.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 298.06 Td (129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 298.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 298.06 Td (96,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 298.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 298.06 Td (1,095) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 284.06 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 284.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.25 284.06 Td (1,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 284.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 284.06 Td (1) Tj ET Q q 0 0 0 rg BT 392.00 284.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 284.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 284.06 Td (1,155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 284.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 284.06 Td (234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 284.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 284.06 Td (2,164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 284.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 284.06 Td (245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 270.06 Td (Foreign government) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 270.06 Td (53,206) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 270.06 Td (356) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 270.06 Td (9,051) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 270.06 Td (234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 270.06 Td (62,257) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 270.06 Td (590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 256.06 Td (Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.25 256.06 Td (6,737) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 256.06 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.00 256.06 Td (859) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 256.06 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 256.06 Td (7,596) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 256.06 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 242.06 Td (Asset-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 242.06 Td (449) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 242.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.50 242.06 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 242.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 242.06 Td (474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.00 242.06 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 228.06 Td (Other debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 228.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 228.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.50 228.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 228.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 228.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 228.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 214.06 Td (Marketable equity securities ) Tj ET Q q 0 0 0 rg BT 156.22 214.06 Td (AFS) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 172.73 218.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 214.06 Td (1) Tj ET Q q 0 0 0 rg BT 345.00 214.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 214.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.50 214.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 214.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 214.06 Td (1) Tj ET Q q 0 0 0 rg BT 529.00 214.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.00 214.06 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 200.05 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 200.05 Td (otal securities ) Tj ET Q q 0 0 0 rg BT 112.16 200.05 Td (AFS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 200.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 200.06 Td (181,216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 200.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.25 200.06 Td (1,854) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 200.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 200.06 Td (21,920) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 200.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 200.06 Td (673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 200.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 200.06 Td (203,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 200.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 200.06 Td (2,527) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 176.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 176.90 Td (Citi adopted ) Tj ET Q q 0 0 0 rg BT 108.39 176.90 Td (ASU 2016-01 and ) Tj ET Q q 0 0 0 rg BT 168.16 176.90 Td (ASU 2018-03 as of January 1, 2018, resulting in a cumulative ef) Tj ET Q q 0 0 0 rg BT 374.42 176.90 Td (fect adjustment from ) Tj ET Q q 0 0 0 rg BT 442.63 176.90 Td (AOCI to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 472.40 176.90 Td (Retained earnings ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.84 176.90 Td (for net ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 167.30 Td (unrealized gains on marketable equity securities ) Tj ET Q q 0 0 0 rg BT 223.00 167.30 Td (AFS. ) Tj ET Q q 0 0 0 rg BT 241.53 167.30 Td (The ) Tj ET Q q 0 0 0 rg BT 255.53 167.30 Td (AFS category was eliminated for equity securities ef) Tj ET Q q 0 0 0 rg BT 423.55 167.30 Td (fective January 1, 2018. See Note 1 to the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 157.70 Td (Consolidated Financial Statements for additional details.) 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 31.60 Td (181) 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 amortized cost and fair value of ) Tj ET Q q 0 0 0 rg BT 309.69 742.10 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 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 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 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 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 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 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 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 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 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 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 486 260.6 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 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 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 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) Tj ET Q q 0 0 0 rg BT 498.19 722.05 Td ( 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 (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 708.06 Td (2017) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.50 657.05 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 657.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.50 657.05 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 657.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 657.06 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 657.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 657.06 Td (45) 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 419.00 643.05 Td (662) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.00 643.05 Td (661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 643.06 Td (1,306) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 643.06 Td (1,304) 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 (2,779) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 629.05 Td (2,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 629.06 Td (1,376) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 629.06 Td (1,369) 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 (41,533) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 615.05 Td (41,002) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 615.06 Td (42,504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 615.06 Td (42,239) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 601.05 Td (T) Tj ET Q q 0 0 0 rg BT 58.09 601.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 601.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 601.05 Td (44,988) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 601.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 601.05 Td (44,505) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 601.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 601.06 Td (45,231) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 601.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 601.06 Td (44,957) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 587.05 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 70.67 587.05 Td (T) Tj ET Q q 0 0 0 rg BT 76.26 587.05 Td (r) Tj ET Q q 0 0 0 rg BT 79.84 587.05 Td (easury 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 573.05 Td (41,941) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 573.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 573.05 Td (41,867) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 573.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 573.06 Td (4,913) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 573.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 573.06 Td (4,907) 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 407.75 559.05 Td (76,139) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 559.05 Td (74,800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.25 559.06 Td (1) Tj ET Q q 0 0 0 rg BT 506.75 559.06 Td (1) Tj ET Q q 0 0 0 rg BT 511.25 559.06 Td (1,236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 559.06 Td (1) Tj ET Q q 0 0 0 rg BT 556.75 559.06 Td (10,238) 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 419.00 545.05 Td (489) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.00 545.05 Td (462) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 545.06 Td (3,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 545.06 Td (3,001) 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 423.50 531.05 Td (90) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.50 531.05 Td (93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 531.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 531.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 517.05 Td (T) Tj ET Q q 0 0 0 rg BT 58.09 517.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 517.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.25 517.05 Td (1) Tj ET Q q 0 0 0 rg BT 407.75 517.05 Td (18,659) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 517.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 517.05 Td (1) Tj ET Q q 0 0 0 rg BT 457.75 517.05 Td (17,222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 517.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.25 517.06 Td (1) Tj ET Q q 0 0 0 rg BT 506.75 517.06 Td (19,157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 517.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 517.06 Td (1) Tj ET Q q 0 0 0 rg BT 556.75 517.06 Td (18,146) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 489.05 Td (2,586) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 489.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 489.05 Td (2,586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 489.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 489.06 Td (1,792) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 489.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 489.06 Td (1,792) 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 (1,676) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 475.05 Td (1,675) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 475.06 Td (2,579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 475.06 Td (2,576) 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 (585) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.00 461.05 Td (602) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 461.06 Td (514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 461.06 Td (528) 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 (4,525) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 447.05 Td (4,343) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 447.06 Td (3,985) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 447.06 Td (3,869) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 433.05 Td (T) Tj ET Q q 0 0 0 rg BT 58.09 433.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 433.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 433.05 Td (9,372) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 433.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 433.05 Td (9,206) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 433.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 433.06 Td (8,870) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 433.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 433.06 Td (8,765) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 419.05 Td (For) Tj ET Q q 0 0 0 rg BT 66.41 419.05 Td (eign 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 405.05 Td (39,078) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 405.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 405.05 Td (39,028) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 405.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 405.06 Td (32,130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 405.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 405.06 Td (32,100) 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 (50,125) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 391.05 Td (49,962) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 391.06 Td (53,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 391.06 Td (53,165) 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 (10,153) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 377.05 Td (10,149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 377.06 Td (12,949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 377.06 Td (12,680) 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 (1,516) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 363.05 Td (1,552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 363.06 Td (2,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 363.06 Td (2,588) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 349.05 Td (T) Tj ET Q q 0 0 0 rg BT 58.09 349.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 349.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.25 349.05 Td (100,872) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 349.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 349.05 Td (100,691) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 349.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.25 349.06 Td (100,615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 349.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 349.06 Td (100,533) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 321.05 Td (6,166) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 321.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 321.05 Td (6,166) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 321.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 321.06 Td (3,998) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 321.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 321.06 Td (3,991) 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 412.25 307.05 Td (8,459) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 307.05 Td (8,416) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 307.06 Td (9,047) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 307.06 Td (9,027) 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 (1,474) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 293.05 Td (1,427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 293.06 Td (3,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 293.06 Td (3,431) 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 419.00 279.05 Td (433) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.00 279.05 Td (405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 279.06 Td (1,887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 279.06 Td (1,875) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 265.05 Td (T) Tj ET Q q 0 0 0 rg BT 58.09 265.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 265.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 265.05 Td (16,532) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 265.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 265.05 Td (16,414) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 265.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 265.06 Td (18,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 265.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 265.06 Td (18,324) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 251.05 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 251.05 Td (otal debt securities ) Tj ET Q q 0 0 0 rg BT 131.42 251.05 Td (AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 251.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.25 251.05 Td (290,423) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 251.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 251.05 Td (288,038) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 251.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.25 251.06 Td (292,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 251.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 251.06 Td (290,725) 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 365 0 obj <> endobj 366 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (182) 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 50.00 675.75 225.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.00 675.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 675.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 675.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 675.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 647.75 225.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.00 647.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 647.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 647.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 647.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 619.75 225.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.00 619.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 619.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 619.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 619.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 591.75 225.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.00 591.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 591.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 591.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 591.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 563.75 225.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.00 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506 395.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 409.75 m 583 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 395.75 m 583 395.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 395.75 m 506 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 395.75 m 506 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 381.75 m 506 367.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 381.75 m 506 367.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 367.75 m 506 353.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 367.75 m 506 353.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 353.75 m 275 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 339.75 m 275 339.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275 353.75 m 352 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 275 339.75 m 352 339.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352 353.75 m 429 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 352 339.75 m 429 339.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 353.75 m 506 339.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429 353.75 m 506 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 429 339.75 m 506 339.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 353.75 m 583 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 506 339.75 m 583 339.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 680.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.25 689.20 Td (Carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.70 680.20 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.80 698.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 389.63 698.20 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.80 689.20 Td (unr) Tj ET Q q 0 0 0 rg BT 383.64 689.20 Td (ealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.95 680.20 Td (gains) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.80 698.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 466.63 698.20 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.80 689.20 Td (unr) Tj ET Q q 0 0 0 rg BT 460.64 689.20 Td (ealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.20 680.20 Td (losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.80 689.20 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.70 680.20 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 666.20 Td (December) Tj ET Q q 0 0 0 rg BT 91.39 666.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.50 666.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.50 666.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 666.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 666.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 652.20 Td (Debt securities HTM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.50 652.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.50 652.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 652.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 652.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 638.21 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 152.21 642.29 Td (\(1\)\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.50 638.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.50 638.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 638.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 638.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 624.21 Td (U.S. government agency guaranteed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.50 624.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.75 624.20 Td (34,239) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 624.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 624.20 Td (199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 624.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 624.20 Td (578) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 624.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.75 624.20 Td (33,860) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 610.21 Td (Alt-A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 610.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.50 610.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.50 610.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 570.50 610.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 596.21 Td (Non-U.S. residential) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.25 596.20 Td (1,339) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.50 596.20 Td (12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 596.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.25 596.20 Td (1,350) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 582.21 Td (Commercial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.00 582.20 Td (368) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.50 582.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.50 582.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 566.00 582.20 Td (368) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 568.21 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 568.21 Td (otal mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.50 568.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.75 568.20 Td (35,946) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 568.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 568.20 Td (21) Tj ET Q q 0 0 0 rg BT 421.00 568.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 568.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 568.20 Td (579) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 568.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.75 568.20 Td (35,578) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 554.21 Td (State and municipal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.50 554.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.25 554.20 Td (7,628) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 554.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 554.20 Td (167) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 554.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 554.20 Td (138) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 554.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.25 554.20 Td (7,657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 540.21 Td (Foreign government) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.25 540.20 Td (1,027) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.50 540.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.50 540.20 Td (24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.25 540.20 Td (1,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 526.21 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 137.22 530.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.75 526.20 Td (18,756) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.00 526.20 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 526.20 Td (1) Tj ET Q q 0 0 0 rg BT 493.50 526.20 Td (12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.75 526.20 Td (18,652) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 512.20 Td (T) Tj ET Q q 0 0 0 rg BT 58.09 512.20 Td (otal debt securities HTM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.50 512.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.75 512.20 Td (63,357) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 512.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 512.20 Td (386) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 512.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 512.20 Td (853) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 512.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.75 512.20 Td (62,890) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 498.21 Td (December 31, 2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.50 498.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.50 498.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.50 498.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 579.50 498.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 484.21 Td (Debt securities HTM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.50 484.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.50 484.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.50 484.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.50 484.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 470.21 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 152.21 474.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.50 470.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.50 470.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.50 470.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.50 470.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 456.21 Td (U.S. government agency guaranteed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.50 456.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.75 456.21 Td (23,880) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.50 456.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 456.21 Td (40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 456.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 456.21 Td (157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 456.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.75 456.21 Td (23,763) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 442.21 Td (Alt-A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 442.21 Td (141) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 442.21 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 442.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 442.21 Td (198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 428.21 Td (Non-U.S. residential) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 428.21 Td (1,841) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 428.21 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 428.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.25 428.21 Td (1,906) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 414.21 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 414.21 Td (237) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 414.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 414.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 414.21 Td (237) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 400.21 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 400.21 Td (otal mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.50 400.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.75 400.21 Td (26,099) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.50 400.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 400.21 Td (162) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 400.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 400.21 Td (157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 400.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.75 400.21 Td (26,104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 386.21 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 123.98 390.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.50 386.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 386.21 Td (8,897) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.50 386.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 386.21 Td (378) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 386.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 386.21 Td (73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 386.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.25 386.21 Td (9,202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 372.21 Td (Foreign government) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 372.21 Td (740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 372.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 372.21 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 372.21 Td (722) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 358.21 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 137.22 362.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.75 358.21 Td (17,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 358.21 Td (162) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 358.21 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.75 358.21 Td (17,724) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 344.20 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 344.20 Td (otal debt securities HTM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.50 344.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.75 344.21 Td (53,320) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.50 344.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 344.21 Td (702) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 344.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 344.21 Td (270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 344.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.75 344.21 Td (53,752) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 322.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 322.65 Td (The Company invests in mortgage- and asset-backed securities. ) Tj ET Q q 0 0 0 rg BT 272.85 322.65 Td (These securitization entities are generally considered ) Tj ET Q q 0 0 0 rg BT 444.19 322.65 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 464.48 322.65 Td (The Company) Tj ET Q q 0 0 0 rg BT 512.25 322.65 Td (s maximum exposure ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 313.05 Td (to loss from these ) Tj ET Q q 0 0 0 rg BT 126.02 313.05 Td (VIEs is equal to the carrying amount of the securities, which is reflected in the table above. For mortgage- and asset-backed securitizations in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 303.45 Td (which the Company has other involvement, see Note ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 238.79 303.45 Td (21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 246.79 303.45 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 293.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 293.85 Td (In November 2018, Citibank transferred ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 198.13 293.85 Td ($10 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.02 293.85 Td ( of agency residential mortgage-backed securities \(RMBS\) and commercial mortgage-backed securities ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 284.25 Td (\(CMBS\) from ) Tj ET Q q 0 0 0 rg BT 114.17 284.25 Td (AFS classification to HTM classification in accordance with ) Tj ET Q q 0 0 0 rg BT 309.23 284.25 Td (ASC 320.) Tj ET Q q 0 0 0 rg BT 342.36 284.25 Td (At the time of transfer) Tj ET Q q 0 0 0 rg BT 413.12 284.25 Td (, the securities were in an unrealized loss position of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 274.65 Td ($598 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 108.61 274.65 Td (.) Tj ET Q q 0 0 0 rg BT 112.47 274.65 Td (This amount will remain in ) Tj ET Q q 0 0 0 rg BT 201.13 274.65 Td (AOCI and be amortized over the remaining life of the securities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 265.05 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 265.05 Td (In the second quarter of 2017, Citi early adopted ) Tj ET Q q 0 0 0 rg BT 224.34 265.05 Td (ASU 2017-08.) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 271.01 265.05 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.01 265.05 Td (Upon adoption, a cumulative ef) Tj ET Q q 0 0 0 rg BT 373.95 265.05 Td (fect adjustment was recorded to reduce ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 501.00 265.05 Td (Retained earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.44 265.05 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 255.45 Td (ef) Tj ET Q q 0 0 0 rg BT 73.57 255.45 Td (fective January 1, 2017, for the incremental amortization of purchase premiums and cumulative fair value hedge adjustments that would have been recorded ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 245.85 Td (under the ) Tj ET Q q 0 0 0 rg BT 99.05 245.85 Td (ASU on callable state and municipal debt securities. See Note 1 to the Consolidated Financial Statements.) 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 31.60 Td (183) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 742.10 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 49.50 730.10 Td (these securities to maturity or) Tj ET Q q 0 0 0 rg BT 167.40 730.10 Td (, where applicable, to exercise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (any issuer call options, absent any unforeseen significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (changes in circumstances, including deterioration in credit or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (changes in regulatory capital requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 682.10 Td (The net unrealized losses classified in ) Tj ET Q q 0 0 0 rg BT 220.79 682.10 Td (AOCI for HTM ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (securities primarily relate to debt securities previously ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (classified as ) Tj ET Q q 0 0 0 rg BT 100.04 658.10 Td (AFS that were transferred to HTM, and include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (any cumulative fair value hedge adjustments. ) Tj ET Q q 0 0 0 rg BT 232.87 646.10 Td (The net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (unrealized loss amount also includes any non-credit-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (changes in fair value of HTM debt securities that have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (suf) Tj ET Q q 0 0 0 rg BT 61.54 610.10 Td (fered credit impairment recorded in earnings. ) Tj ET Q q 0 0 0 rg BT 244.89 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 262.39 610.10 Td (AOCI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (balance related to HTM debt securities is amortized as an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (adjustment of yield, in a manner consistent with the accretion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (of any dif) Tj ET Q q 0 0 0 rg BT 88.20 574.10 Td (ference between the carrying value at the transfer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (date and par value of the same debt securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (The table below shows the fair value of debt securities HTM that have been in an unrecognized loss position:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 481.60 205.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.00 481.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 481.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 481.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.00 481.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.00 481.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 481.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 453.60 205.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.00 453.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 453.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 453.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.00 453.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.00 453.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 453.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 425.60 205.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.00 425.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 425.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 425.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.00 425.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.00 425.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 425.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 397.60 205.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.00 397.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 397.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 397.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.00 397.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.00 397.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 397.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 369.60 205.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.00 369.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 369.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 369.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.00 369.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.00 369.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 369.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 341.60 205.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.00 341.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 341.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 341.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.00 341.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.00 341.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 341.60 60.00 -14.00 re f /GS0 gs 0.8 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444.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 444.05 Td (18,086) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.50 444.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 444.05 Td (559) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.50 444.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 444.05 Td (20,908) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.50 444.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 444.05 Td (579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 430.06 Td (State and municipal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 430.05 Td (981) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.50 430.05 Td (34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.25 430.05 Td (1,242) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 430.05 Td (104) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 430.05 Td (2,223) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 430.05 Td (138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 416.06 Td (Foreign government) Tj ET Q 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9.00 Tf ET q 0 0 0 rg BT 367.50 374.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.50 374.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 374.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 374.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 360.05 Td (Debt securities HTM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.50 360.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.50 360.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 360.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.50 360.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 360.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 360.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 346.06 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.50 346.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.25 346.06 Td (8,569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.50 346.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 346.06 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 346.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 346.06 Td (6,353) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.50 346.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 346.06 Td (107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 346.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.75 346.06 Td (14,922) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 346.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 346.06 Td (157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 332.06 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 332.06 Td (353) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 332.06 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 332.06 Td (835) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 332.06 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 332.06 Td (1,188) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 332.06 Td (73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 318.06 Td (Foreign government) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 318.06 Td (723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 318.06 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 318.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 318.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 318.06 Td (723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 318.06 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 304.06 Td (Asset-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.50 304.06 Td (71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 304.06 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 304.06 Td (134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 304.06 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 304.06 Td (205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 304.06 Td (22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 290.05 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 290.05 Td (otal debt securities HTM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.50 290.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.25 290.06 Td (9,716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.50 290.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 290.06 Td (76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 290.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 290.06 Td (7,322) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.50 290.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 290.06 Td (194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 290.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.75 290.06 Td (17,038) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 290.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 290.06 Td (270) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 267.50 Td (Note: Excluded from the gross unrecognized losses presented in the above table are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 318.96 267.50 Td ($\(653\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.41 267.50 Td (and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.96 267.50 Td ($\(1) Tj ET Q q 0 0 0 rg BT 391.32 267.50 Td (17\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.10 267.50 Td (of net unrealized losses recorded in ) Tj ET Q q 0 0 0 rg BT 543.73 267.50 Td (AOCI as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 257.90 Td (December31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 112.37 257.90 Td ( and 2017, respectively) Tj ET Q q 0 0 0 rg BT 186.05 257.90 Td (, primarily related to the dif) Tj ET Q q 0 0 0 rg BT 274.32 257.90 Td (ference between the amortized cost and carrying value of HTM debt securities that were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 248.30 Td (reclassified from ) Tj ET Q q 0 0 0 rg BT 105.04 248.30 Td (AFS. Substantially all of these net unrecognized losses relate to securities that have been in a loss position for 12months or longer at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.72 248.30 Td (December31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 238.70 Td (2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 65.50 238.70 Td ( and 2017.) 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 31.60 Td (184) 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 50.00 666.60 275.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 666.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.00 666.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 666.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 666.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 638.60 275.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 638.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.00 638.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 638.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 638.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 610.60 275.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 610.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.00 610.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 610.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 610.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 582.60 275.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 582.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.00 582.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 582.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 582.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 554.60 275.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 554.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.00 554.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 554.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 554.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 526.60 275.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 526.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.00 526.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 526.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 526.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 498.60 275.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 498.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.00 498.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 498.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 498.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 470.60 275.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 470.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.00 470.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 470.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 470.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 442.60 275.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 442.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.00 442.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 442.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 442.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 414.60 275.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 414.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.00 414.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 414.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 414.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 386.60 275.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 386.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.00 386.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 386.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 386.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 358.60 275.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 358.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.00 358.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 358.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 358.60 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 325 717.6 m 390 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 717.6 m 455 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 717.6 m 520 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 717.6 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 325 703.6 m 390 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 703.6 m 455 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 717.6 m 455 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 703.6 m 520 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 703.6 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 325 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 703.6 m 390 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 680.6 m 390 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 703.6 m 455 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 680.6 m 455 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 703.6 m 455 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 703.6 m 520 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 680.6 m 520 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 703.6 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 520 680.6 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 455 680.6 m 455 666.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 666.6 m 455 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 652.6 m 455 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 638.6 m 455 624.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 624.6 m 455 610.6 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 325 610.6 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 325 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 610.6 m 390 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 596.6 m 390 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 610.6 m 455 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 596.6 m 455 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 610.6 m 455 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 610.6 m 520 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 596.6 m 520 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 610.6 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 520 596.6 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 455 596.6 m 455 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 582.6 m 455 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 568.6 m 455 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 554.6 m 455 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 540.6 m 455 526.6 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 325 526.6 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 325 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 526.6 m 390 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 512.6 m 390 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 526.6 m 455 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 512.6 m 455 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 526.6 m 455 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 526.6 m 520 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 512.6 m 520 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 526.6 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 520 512.6 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 455 512.6 m 455 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 498.6 m 455 484.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 484.6 m 455 470.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 470.6 m 455 456.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 456.6 m 455 442.6 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 325 442.6 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 325 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 442.6 m 390 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 428.6 m 390 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 442.6 m 455 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 428.6 m 455 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 442.6 m 455 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 442.6 m 520 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 428.6 m 520 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 442.6 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 520 428.6 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 455 428.6 m 455 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 414.6 m 455 400.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 400.6 m 455 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 386.6 m 455 372.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 372.6 m 455 358.6 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 325 358.6 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 325 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 358.6 m 390 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 344.6 m 390 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 358.6 m 455 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 344.6 m 455 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 358.6 m 455 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 358.6 m 520 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 344.6 m 520 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 358.6 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 520 344.6 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 325 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 325 330.6 m 390 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 344.6 m 455 344.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 390 330.6 m 455 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 344.6 m 455 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 455 330.6 m 520 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 344.6 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 520 330.6 m 585 330.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.30 722.05 Td (December) Tj ET Q q 0 0 0 rg BT 467.19 722.05 Td ( 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 380.50 708.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 708.06 Td (2017) 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 327.85 685.05 Td (Carrying value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.45 685.05 Td (Fair) Tj ET Q q 0 0 0 rg BT 418.78 685.05 Td ( value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.10 685.06 Td (Carrying value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.85 685.06 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 327.50 671.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.50 671.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 671.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 671.06 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 327.50 657.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 657.05 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 657.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 657.05 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 657.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 657.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 657.06 Td ($) 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 373.00 643.05 Td (539) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 643.05 Td (540) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 643.06 Td (720) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 643.06 Td (720) 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 373.00 629.05 Td (997) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 629.05 Td (1,01) Tj ET Q q 0 0 0 rg BT 447.00 629.05 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 629.06 Td (148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 629.06 Td (149) 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 361.75 615.05 Td (34,407) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 615.05 Td (34,024) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 615.06 Td (25,231) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 615.06 Td (25,235) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 601.05 Td (T) Tj ET Q q 0 0 0 rg BT 58.09 601.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.50 601.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 601.05 Td (35,946) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 601.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 601.05 Td (35,578) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 601.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 601.06 Td (26,099) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 601.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 601.06 Td (26,104) 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 327.50 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.50 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 587.06 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 327.50 573.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.50 573.05 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 573.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 573.05 Td (37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 573.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 573.06 Td (407) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 573.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 573.06 Td (425) 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 373.00 559.05 Td (168) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 559.05 Td (174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 559.06 Td (259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 559.06 Td (270) 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 373.00 545.05 Td (540) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 545.05 Td (544) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 545.06 Td (512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 545.06 Td (524) 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 366.25 531.05 Td (6,883) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 531.05 Td (6,902) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.25 531.06 Td (7,719) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 531.06 Td (7,983) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 517.05 Td (T) Tj ET Q q 0 0 0 rg BT 58.09 517.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.50 517.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.25 517.05 Td (7,628) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 517.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 517.05 Td (7,657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 517.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.25 517.06 Td (8,897) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 517.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 517.06 Td (9,202) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 503.05 Td (For) Tj ET Q q 0 0 0 rg BT 66.41 503.05 Td (eign government) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.50 503.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.50 503.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 503.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 503.06 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 327.50 489.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.50 489.05 Td (60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 489.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 489.05 Td (36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 489.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 489.06 Td (381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 489.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 489.06 Td (381) 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 373.00 475.05 Td (967) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 475.05 Td (967) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 475.06 Td (359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 475.06 Td (341) 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 377.50 461.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 461.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 461.06 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 377.50 447.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 447.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 447.06 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 (T) Tj ET Q q 0 0 0 rg BT 58.09 433.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.50 433.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.25 433.05 Td (1,027) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 433.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 433.05 Td (1,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 433.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 433.06 Td (740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 433.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 433.06 Td (722) 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 327.50 419.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.50 419.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 419.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 419.06 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 327.50 405.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.50 405.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 405.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 405.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 405.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 405.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 405.06 Td ($) 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 377.50 391.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 391.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 391.06 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 366.25 377.05 Td (2,535) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 377.05 Td (2,539) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.25 377.06 Td (1,669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 377.06 Td (1,680) 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 361.75 363.05 Td (16,221) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 363.05 Td (16,1) Tj ET Q q 0 0 0 rg BT 442.50 363.05 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 363.06 Td (15,915) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 363.06 Td (16,044) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 349.05 Td (T) Tj ET Q q 0 0 0 rg BT 58.09 349.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.50 349.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 349.05 Td (18,756) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 349.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 349.05 Td (18,652) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 349.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 349.06 Td (17,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 349.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 349.06 Td (17,724) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 335.05 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 335.05 Td (otal debt securities HTM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.50 335.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 335.05 Td (63,357) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 335.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 335.05 Td (62,890) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 335.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 335.06 Td (53,320) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 335.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 335.06 Td (53,752) 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 371 0 obj <> endobj 372 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 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 q 0 0 0 rg BT 115.31 670.25 Td (These reviews apply to all securities that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.25 Td (not measured at fair value through earnings. Ef) Tj ET Q q 0 0 0 rg BT 237.59 658.25 Td (fective January ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.25 Td (1, 2018, the ) Tj ET Q q 0 0 0 rg BT 98.67 646.25 Td (AFS category was eliminated for equity securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.25 Td (and, therefore, other) Tj ET Q q 0 0 0 rg BT 130.37 634.25 Td (-than-temporary impairment \(OTTI\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.25 Td (review is not required for those securities. See Note 1 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.25 Td (Consolidated Financial Statements for additional details. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 598.25 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 49.50 586.25 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 49.50 574.25 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 49.50 562.25 Td (nature are recorded, net of tax, in ) Tj ET Q q 0 0 0 rg BT 184.16 562.25 Td (AOCI for ) Tj ET Q q 0 0 0 rg BT 224.71 562.25 Td (AFS securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.25 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 550.25 Td (emporary losses related to HTM debt securities generally are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.25 Td (not recorded, as these investments are carried at adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.25 Td (amortized cost basis. However) Tj ET Q q 0 0 0 rg BT 171.84 526.25 Td (, for HTM debt securities with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.25 Td (credit-related impairment, the credit loss is recognized in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.25 Td (earnings as OTTI, and any dif) Tj ET Q q 0 0 0 rg BT 169.28 502.25 Td (ference between the cost basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.25 Td (adjusted for the OTTI and fair value is recognized in ) Tj ET Q q 0 0 0 rg BT 262.20 490.25 Td (AOCI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.25 Td (and amortized as an adjustment of yield over the remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.25 Td (contractual life of the security) Tj ET Q q 0 0 0 rg BT 168.80 466.25 Td (. For debt securities transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.25 Td (to HTM from ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 106.44 454.25 Td (T) Tj ET Q q 0 0 0 rg BT 111.45 454.25 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.67 454.25 Td (, amortized cost is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.25 Td (defined as the fair value of the securities at the date of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.25 Td (transfer) Tj ET Q q 0 0 0 rg BT 79.64 430.25 Td (, plus any accretion income and less any impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.25 Td (recognized in earnings subsequent to transfer) Tj ET Q q 0 0 0 rg BT 229.72 418.25 Td (. For debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.25 Td (securities transferred to HTM from ) Tj ET Q q 0 0 0 rg BT 191.96 406.25 Td (AFS, amortized cost is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.25 Td (defined as the original purchase cost, adjusted for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.25 Td (cumulative accretion or amortization of any purchase discount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.25 Td (or premium, plus or minus any cumulative fair value hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.25 Td (adjustments, net of accretion or amortization, and less any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.25 Td (impairment recognized in earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 334.25 Td (Regardless of the classification of securities as ) Tj ET Q q 0 0 0 rg BT 256.05 334.25 Td (AFS or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.25 Td (HTM, the Company assesses each position with an unrealized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.25 Td (loss for OTTI. Factors considered in determining whether a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.25 Td (loss is temporary include:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 280.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 280.25 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 67.50 268.25 Td (been below cost;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 256.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 256.25 Td (the severity of the impairment;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 244.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 244.25 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 67.50 232.25 Td (and near) Tj ET Q q 0 0 0 rg BT 101.45 232.25 Td (-term prospects of the issuer;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 220.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 220.25 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 67.50 208.25 Td (adverse credit conditions; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 196.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 196.25 Td (the Company) Tj ET Q q 0 0 0 rg BT 123.88 196.25 Td (s ability and intent to hold the investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 184.25 Td (for a period of time suf) Tj ET Q q 0 0 0 rg BT 159.79 184.25 Td (ficient to allow for any anticipated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 172.25 Td (recovery) Tj ET Q q 0 0 0 rg BT 101.83 172.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 148.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 109.21 148.25 Td (s review for impairment generally entails:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 130.25 Td (identification and evaluation of impaired investments;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 118.25 Td (analysis of individual investments that have fair values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 106.25 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 94.25 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 82.25 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 70.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 70.25 Td (consideration of evidential matter) Tj ET Q q 0 0 0 rg BT 201.77 70.25 Td (, including an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 58.25 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 46.25 Td (individual investments to qualify as having other) Tj ET Q q 0 0 0 rg BT 262.82 46.25 Td (-than-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 742.10 Td (temporary impairment and those that would not support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 730.10 Td (other) Tj ET Q q 0 0 0 rg BT 373.60 730.10 Td (-than-temporary impairment; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 718.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 718.10 Td (documentation of the results of these analyses, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 706.10 Td (required under business policies.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 335.25 682.10 Td (Debt Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 670.10 Td (The dif) Tj ET Q q 0 0 0 rg BT 364.22 670.10 Td (ference between amortized cost basis and fair value is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 658.10 Td (recognized in earnings as OTTI for impaired debt securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 646.10 Td (that the Company has an intent to sell, or for which the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 634.10 Td (Company believes it will more-likely-than-not be required to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 622.10 Td (sell prior to recovery of the amortized cost basis. However) Tj ET Q q 0 0 0 rg BT 569.21 622.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 610.10 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 335.25 598.10 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 335.25 586.10 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 335.25 574.10 Td (related impairment is recorded in ) Tj ET Q q 0 0 0 rg BT 469.92 574.10 Td (AOCI.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 562.10 Td (For debt securities, credit impairment exists where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 550.10 Td (management does not expect to receive contractual principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 538.10 Td (and interest cash flows suf) Tj ET Q q 0 0 0 rg BT 441.15 538.10 Td (ficient to recover the entire ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 526.10 Td (amortized cost basis of a security) Tj ET Q q 0 0 0 rg BT 467.61 526.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 335.25 502.10 Td (AFS Equity Securities and Equity Method Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 490.10 Td (For ) Tj ET Q q 0 0 0 rg BT 351.09 490.10 Td (AFS equity securities, prior to January 1, 2018, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 478.10 Td (management considered the various factors described above, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 466.10 Td (including its intent and ability to hold an equity security for a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 454.10 Td (period of time suf) Tj ET Q q 0 0 0 rg BT 406.44 454.10 Td (ficient for recovery to cost, or whether it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 442.10 Td (was more-likely-than-not that the Company would have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 430.10 Td (required to sell the security prior to recovery of its cost basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 418.10 Td (Where management lacked that intent or ability) Tj ET Q q 0 0 0 rg BT 525.08 418.10 Td (, the security) Tj ET Q q 0 0 0 rg BT 579.23 418.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 406.10 Td (decline in fair value was deemed to be other) Tj ET Q q 0 0 0 rg BT 511.64 406.10 Td (-than-temporary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 394.10 Td (and was recorded in earnings. Ef) Tj ET Q q 0 0 0 rg BT 466.13 394.10 Td (fective January 1, 2018, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 382.10 Td (AFS category has been eliminated for equity securities and, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 370.10 Td (therefore, OTTI review is not required for those securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 358.10 Td (See Note 1 to the Consolidated Financial Statements for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 346.10 Td (additional details.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 334.10 Td (Management also assesses equity method investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 322.10 Td (that have fair values that are less than their respective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 310.10 Td (carrying values for OTTI. Fair value is measured as price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 298.10 Td (multiplied by quantity if the investee has publicly listed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 286.10 Td (securities. If the investee is not publicly listed, other methods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 274.10 Td (are used \(see Note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.32 274.10 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.32 274.10 Td ( to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 262.10 Td (Statements\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 250.10 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 335.25 238.10 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 335.25 226.10 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 335.25 214.10 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 335.25 202.10 Td (earnings as OTTI regardless of severity and duration. ) Tj ET Q q 0 0 0 rg BT 550.83 202.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 190.10 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 335.25 178.10 Td (recoveries subsequent to the balance sheet date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 166.10 Td (For impaired equity method investments that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 154.10 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 335.25 142.10 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 335.25 130.10 Td (whether an impairment is other) Tj ET Q q 0 0 0 rg BT 460.01 130.10 Td (-than-temporary is based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 118.10 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 335.25 106.10 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 94.10 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 82.10 Td (suf) Tj ET Q q 0 0 0 rg BT 347.29 82.10 Td (ficient to recover the value. ) Tj ET Q q 0 0 0 rg BT 459.28 82.10 Td (The determination of whether ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 70.10 Td (the impairment is considered other) Tj ET Q q 0 0 0 rg BT 473.90 70.10 Td (-than-temporary considers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 58.10 Td (the following indicators:) Tj ET Q endstream endobj 373 0 obj <> endobj 374 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 /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 cause of the impairment and the financial condition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 730.10 Td (and near) Tj ET Q q 0 0 0 rg BT 101.45 730.10 Td (-term prospects of the issuer) Tj ET Q q 0 0 0 rg BT 214.35 730.10 Td (, including any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 718.10 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 67.50 706.10 Td (issuer;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 694.10 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 67.50 682.10 Td (of time suf) Tj ET Q q 0 0 0 rg BT 110.64 682.10 Td (ficient to allow for any anticipated recovery in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 670.10 Td (market value; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 658.10 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 67.50 646.10 Td (less than the carrying value.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 622.10 Td (The sections below describe the Company) Tj ET Q q 0 0 0 rg BT 239.40 622.10 Td (s process for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (identifying credit-related impairments for security types that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (have the most significant unrealized losses as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 586.10 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (Mortgage-Backed Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (For U.S.mortgage-backed securities, credit impairment is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (assessed using a cash flow model that estimates the principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (and interest cash flows on the underlying mortgages using the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (security-specific collateral and transaction structure. ) Tj ET Q q 0 0 0 rg BT 260.89 514.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td (model distributes the estimated cash flows to the various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (tranches of securities, considering the transaction structure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (and any subordination and credit enhancements that exist in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (that structure. ) Tj ET Q q 0 0 0 rg BT 106.80 466.10 Td (The cash flow model incorporates actual cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (flows on the mortgage-backed securities through the current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (period and then estimates the remaining cash flows using a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (number of assumptions, including default rates, prepayment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (rates, recovery rates \(on foreclosed properties\) and loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (severity rates \(on non-agency mortgage-backed securities\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 394.10 Td (Management develops specific assumptions using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (market data, internal estimates and estimates published by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 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 49.50 358.10 Td (projected by considering current underlying mortgage loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (performance, generally assuming the default of \(i\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.75 346.10 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.08 346.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 742.10 Td (current loans, \(ii\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.89 742.10 Td (25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.22 742.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.55 742.10 Td (30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.55 742.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.55 742.10 Td (59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.55 742.10 Td (day delinquent loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 730.10 Td (\(iii\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.75 730.10 Td (70%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.08 730.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.41 730.10 Td (60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.41 730.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.41 730.10 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.41 730.10 Td (day delinquent loans and \(iv\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.04 730.10 Td (100%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.37 730.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 567.70 730.10 Td (91) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 577.70 730.10 Td (+ ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 718.10 Td (day delinquent loans. ) Tj ET Q q 0 0 0 rg BT 422.83 718.10 Td (These estimates are extrapolated along a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 706.10 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 335.25 694.10 Td (rate. Other assumptions contemplate the actual collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 682.10 Td (attributes, including geographic concentrations, rating actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 670.10 Td (and current market prices.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 658.10 Td (Cash flow projections are developed using dif) Tj ET Q q 0 0 0 rg BT 536.91 658.10 Td (ferent stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 646.10 Td (test scenarios. Management evaluates the results of those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 634.10 Td (stress tests \(including the severity of any cash shortfall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 622.10 Td (indicated and the likelihood of the stress scenarios actually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 610.10 Td (occurring based on the underlying pool) Tj ET Q q 0 0 0 rg BT 494.93 610.10 Td (s characteristics and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 598.10 Td (performance\) to assess whether management expects to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 586.10 Td (recover the amortized cost basis of the security) Tj ET Q q 0 0 0 rg BT 522.58 586.10 Td (. If cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 574.10 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 335.25 562.10 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 335.25 550.10 Td (estimated credit loss in earnings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 335.25 526.10 Td (State and Municipal Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 514.10 Td (The process for identifying credit impairments in Citigroup) Tj ET Q q 0 0 0 rg BT 575.47 514.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 502.10 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 335.25 490.10 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 335.25 478.10 Td (Citigroup monitors the bond issuers and any insurers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 466.10 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 335.25 454.10 Td (insurance. ) Tj ET Q q 0 0 0 rg BT 380.88 454.10 Td (The average external credit rating, ignoring any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 442.10 Td (insurance, is ) Tj ET Q q 0 0 0 rg BT 387.18 442.10 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 335.25 430.10 Td (downgrade or other indicator of credit impairment \(i.e., based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 418.10 Td (on instrument-specific estimates of cash flows or probability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 406.10 Td (of issuer default\), the subject bond is specifically reviewed for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 394.10 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 335.25 382.10 Td (contractual principal and interest payments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 370.10 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 335.25 358.10 Td (Citigroup plans to sell, or would be more-likely-than-not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 346.10 Td (required to sell, 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 following tables present total OTTI recognized in earnings:) 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 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 535 276.6 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 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 535 253.60000000000002 m 535 230.60000000000002 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 535 230.60000000000002 m 535 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 216.60000000000002 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 50 202.60000000000002 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 535 202.60000000000002 m 535 179.60000000000002 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 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 535 179.60000000000002 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 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 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 148.60000000000002 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 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) Tj ET Q q 0 0 0 rg BT 177.43 281.05 Td ( ) Tj ET Q q 0 0 0 rg BT 179.35 281.05 Td (Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.95 290.05 Td (Y) Tj ET Q q 0 0 0 rg BT 468.95 290.05 Td (ear) Tj ET Q q 0 0 0 rg BT 480.86 290.05 Td ( ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.95 281.05 Td ( December) Tj ET Q q 0 0 0 rg BT 489.34 281.05 Td ( 31, 2018) 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 (T) Tj ET Q q 0 0 0 rg BT 554.83 258.05 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 244.06 Td (Impairment losses related to debt securities that the Company does not intend to sell nor) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 235.06 Td (will 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 (T) Tj ET Q q 0 0 0 rg BT 63.68 221.06 Td (otal 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.50 221.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.50 221.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.50 221.05 Td () 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 () 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 ) Tj ET Q q 0 0 0 rg BT 228.22 207.06 Td (AOCI \(before taxes\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.50 207.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.50 207.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.50 207.05 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 debt securities that the Company does) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 184.06 Td (not 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.50 184.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.50 184.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.50 184.05 Td () 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 () 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 debt securities that the Company intends to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 161.86 Td (sell, would be more-likely-than-not required to sell or will be subject to an issuer call) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 152.86 Td (deemed probable of exercise) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 153.05 Td (125) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.50 153.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.50 153.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 153.05 Td (125) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 139.05 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 139.05 Td (otal OTTI losses r) Tj ET Q q 0 0 0 rg BT 126.77 139.05 Td (ecognized in earnings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 139.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 139.05 Td (125) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.50 139.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.50 139.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.50 139.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.50 139.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.50 139.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 139.05 Td (125) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 115.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 115.90 Td (For the year ended December 31, 2018, amounts represent ) Tj ET Q q 0 0 0 rg BT 256.11 115.90 Td (AFS debt securities. Ef) Tj ET Q q 0 0 0 rg BT 330.17 115.90 Td (fective January 1, 2018, the ) Tj ET Q q 0 0 0 rg BT 420.14 115.90 Td (AFS category was eliminated for equity securities. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 106.30 Td (See Note 1 to the Consolidated Financial Statements for additional details.) Tj ET Q 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 (187) 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 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 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 535 702.5 m 535 679.5 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 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 679.5 m 535 665.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 652.5 m 385 652.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 665.5 m 535 652.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 652.5 m 435 652.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 652.5 m 485 652.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 652.5 m 535 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 652.5 m 535 652.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 652.5 m 585 652.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 595.5 m 385 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 595.5 m 435 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 595.5 m 485 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 629.5 m 535 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 595.5 m 535 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 595.5 m 585 595.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 581.5 m 385 581.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385 581.5 m 435 581.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435 581.5 m 485 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 595.5 m 535 581.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 485 581.5 m 535 581.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 535 581.5 m 585 581.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 729.95 Td (OTTI on Investments and Other) Tj ET Q q 0 0 0 rg BT 177.35 729.95 Td ( ) Tj ET Q q 0 0 0 rg BT 179.11 729.95 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.30 738.96 Td (Y) Tj ET Q q 0 0 0 rg BT 470.35 738.96 Td (ear ended) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.85 729.96 Td ( December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 706.75 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.80 706.96 Td (AFS) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 414.31 711.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.50 706.96 Td (HTM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.25 715.96 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 706.96 Td (assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.30 706.96 Td (T) Tj ET Q q 0 0 0 rg BT 555.17 706.96 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 692.96 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 57.00 683.96 Td (likely be required to sell:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 669.96 Td (T) Tj ET Q q 0 0 0 rg BT 63.68 669.96 Td (otal OTTI losses recognized during the period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 669.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 669.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 669.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 669.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 669.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 669.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 669.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.00 669.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 656.76 Td (Less: portion of impairment loss recognized in ) Tj ET Q q 0 0 0 rg BT 228.22 656.76 Td (AOCI \(before taxes\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.50 656.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 656.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 656.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 656.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 642.96 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 57.00 633.96 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 387.50 633.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 633.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 633.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 633.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 633.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 633.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 633.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.00 633.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 617.96 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 57.00 608.96 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 57.00 599.96 Td (probable of exercise) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.50 599.96 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 599.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 599.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 599.96 Td (61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 585.96 Td (T) Tj ET Q q 0 0 0 rg BT 57.37 585.96 Td (otal OTTI losses recognized in earnings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 585.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.50 585.96 Td (61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 585.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 585.96 Td (2) 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 572.50 585.96 Td (63) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 562.80 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 562.80 Td (Includes OTTI on non-marketable equity securities.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 494.30 335.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 494.30 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 494.30 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.00 494.30 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 494.30 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 457.30 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 457.30 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 457.30 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.00 457.30 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 457.30 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 420.30 335.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 420.30 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 420.30 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.00 420.30 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 420.30 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 385 517.3 m 435 517.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 517.3 m 485 517.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 517.3 m 535 517.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 517.3 m 585 517.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 494.3 m 385 494.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 494.3 m 435 494.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 494.3 m 485 494.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 494.3 m 535 494.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 494.3 m 585 494.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 494.3 m 385 494.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 494.3 m 535 471.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 471.3 m 535 457.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 443.3 m 385 443.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 443.3 m 435 443.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 457.3 m 535 443.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 443.3 m 485 443.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 443.3 m 535 420.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 443.3 m 535 443.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 443.3 m 585 443.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 397.3 m 385 397.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 397.3 m 435 397.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 397.3 m 485 397.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 420.3 m 535 397.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 397.3 m 535 397.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 397.3 m 585 397.3 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 383.3 m 385 383.3 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385 383.3 m 435 383.3 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435 383.3 m 485 383.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 397.3 m 535 383.3 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 485 383.3 m 535 383.3 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 535 383.3 m 585 383.3 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 521.76 Td (OTTI on Investments and Other ) Tj ET Q q 0 0 0 rg BT 169.97 521.76 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.30 530.76 Td (Y) Tj ET Q q 0 0 0 rg BT 469.90 530.76 Td (ear ended) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.10 521.76 Td (December 31, 2016) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 498.55 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 498.76 Td (AFS) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 410.91 502.84 Td (\(1\)\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.50 498.76 Td (HTM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.25 507.76 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.55 498.76 Td (assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 516.55 502.84 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.30 498.76 Td (T) Tj ET Q q 0 0 0 rg BT 555.17 498.76 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 484.76 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 57.00 475.76 Td (likely be required to sell:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 461.76 Td (T) Tj ET Q q 0 0 0 rg BT 63.68 461.76 Td (otal OTTI losses recognized during the period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 461.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 461.76 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 461.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 461.76 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 461.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 461.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 461.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.00 461.76 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 447.76 Td (Less: portion of impairment loss recognized in ) Tj ET Q q 0 0 0 rg BT 228.22 447.76 Td (AOCI \(before taxes\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.50 447.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 447.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 447.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 447.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 433.76 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 57.00 424.76 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 387.50 424.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 424.76 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 424.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 424.76 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 424.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 424.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 424.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.00 424.76 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 410.76 Td (Impairment losses recognized in earnings for securities that the Company intends to sell or) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 401.76 Td (more-likely-than-not will be required to sell before recovery) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 401.76 Td (246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 401.76 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 401.76 Td (332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 401.76 Td (616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 387.76 Td (T) Tj ET Q q 0 0 0 rg BT 57.37 387.76 Td (otal OTTI losses recognized in earnings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 387.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 387.76 Td (249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 387.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 387.76 Td (39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 387.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 387.76 Td (332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 387.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 387.76 Td (620) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 364.60 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 364.60 Td (Includes OTTI on non-marketable equity securities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 355.00 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 355.00 Td (Includes a ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 102.15 355.00 Td ($160 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 143.27 355.00 Td ( impairment related to ) Tj ET Q q 0 0 0 rg BT 215.69 355.00 Td (AFS securities af) Tj ET Q q 0 0 0 rg BT 270.64 355.00 Td (fected by changes in the ) Tj ET Q q 0 0 0 rg BT 349.80 355.00 Td (V) Tj ET Q q 0 0 0 rg BT 354.69 355.00 Td (enezuela exchange rate during 2016.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 345.40 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 345.40 Td (The impairment char) Tj ET Q q 0 0 0 rg BT 134.44 345.40 Td (ge is related to the carrying value of an equity investment sold in 2016.) 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 (188) 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 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 467.60 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 467.60 71.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 467.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 467.60 78.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 467.60 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 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 524.25 481.6 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 49.25 467.6 m 246.25 467.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 444.6 m 246.25 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 467.6 m 305.25 467.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 444.6 m 305.25 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 467.6 m 376.25 467.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 444.6 m 376.25 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 467.6 m 446.25 467.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 444.6 m 446.25 444.6 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 524.25 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 467.6 m 524.25 467.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 444.6 m 524.25 444.6 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 584.25 467.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 444.6 m 584.25 444.6 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 259.25 698.05 Td (Cumulative OTTI cr) Tj ET Q q 0 0 0 rg BT 339.17 698.05 Td (edit losses r) Tj ET Q q 0 0 0 rg BT 383.50 698.05 Td (ecognized in earnings on debt 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 250.00 630.06 Td (Dec. 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 621.06 Td (balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.80 675.05 Td (Cr) Tj ET Q q 0 0 0 rg BT 338.21 675.05 Td (edit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.75 666.05 Td (impairments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.70 657.05 Td (r) Tj ET Q q 0 0 0 rg BT 318.61 657.05 Td (ecognizedin) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.85 648.05 Td (earningson) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.85 639.05 Td (securitiesnot) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.30 630.05 Td (pr) Tj ET Q q 0 0 0 rg BT 329.22 630.05 Td (eviously) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.80 621.05 Td (impair) Tj ET Q q 0 0 0 rg BT 348.72 621.05 Td (ed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.30 684.05 Td (Cr) Tj ET Q q 0 0 0 rg BT 408.63 684.05 Td (edit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.25 675.05 Td (impairments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.20 666.05 Td (r) Tj ET Q q 0 0 0 rg BT 389.03 666.05 Td (ecognizedin) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.35 657.05 Td (earningson) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.75 648.05 Td (securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.85 639.05 Td (that have ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.70 630.05 Td (beenpr) Tj ET Q q 0 0 0 rg BT 409.79 630.05 Td (eviously) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.30 621.05 Td (impair) Tj ET Q q 0 0 0 rg BT 419.14 621.05 Td (ed ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.20 657.05 Td (Reductionsdueto) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.65 648.05 Td (cr) Tj ET Q q 0 0 0 rg BT 462.48 648.05 Td (edit-impair) Tj ET Q q 0 0 0 rg BT 505.81 648.05 Td (ed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 639.05 Td (securitiessold,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.55 630.05 Td (transferr) Tj ET Q q 0 0 0 rg BT 492.37 630.05 Td (edor) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.90 621.05 Td (matur) Tj ET Q q 0 0 0 rg BT 488.73 621.05 Td (ed) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 497.73 625.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 528.50 630.05 Td (Dec. 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.95 621.05 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 BT /F1 5.85 Tf ET q 0 0 0 rg BT 151.46 597.14 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 593.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 593.06 Td (38) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 593.05 Td ($) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 593.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 593.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.75 593.05 Td (\(37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.75 593.05 Td (\)) 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 576.25 593.05 Td (1) 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 297.25 579.06 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.75 579.05 Td () 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 513.25 579.05 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.75 579.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 571.75 579.05 Td () 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 292.75 565.06 Td () 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 511.75 565.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 571.75 565.05 Td () 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 297.25 551.06 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.75 551.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 551.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 551.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 576.25 551.05 Td (4) 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 297.25 537.06 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.75 537.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 537.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 537.05 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.75 537.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 571.75 537.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.75 523.05 Td (T) Tj ET Q q 0 0 0 rg BT 57.34 523.05 Td (otal OTTI cr) Tj ET Q q 0 0 0 rg BT 106.34 523.05 Td (edit losses r) Tj ET Q q 0 0 0 rg BT 150.67 523.05 Td (ecognized for) Tj ET Q q 0 0 0 rg BT 201.74 523.05 Td ( ) Tj ET Q q 0 0 0 rg BT 203.66 523.05 Td (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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 514.06 Td (48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 514.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.75 514.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.75 514.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 514.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 514.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.75 514.05 Td (\(43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.75 514.05 Td (\)) 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 576.25 514.05 Td (5) 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 (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 486.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 486.06 Td (54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 486.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.75 486.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.75 486.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 486.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 486.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.75 486.05 Td (\(54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.75 486.05 Td (\)) 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 571.75 486.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 472.06 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.25 472.06 Td (3) 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 513.25 472.05 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.75 472.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 571.75 472.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.75 458.05 Td (T) Tj ET Q q 0 0 0 rg BT 56.93 458.05 Td (otal OTTI cr) Tj ET Q q 0 0 0 rg BT 106.26 458.05 Td (edit losses r) Tj ET Q q 0 0 0 rg BT 150.59 458.05 Td (ecognized for) Tj ET Q q 0 0 0 rg BT 201.66 458.05 Td ( HTM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.75 449.05 Td (debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 449.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 449.06 Td (57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 449.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.75 449.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.75 449.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 449.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 449.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.75 449.05 Td (\(57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.75 449.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.75 449.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 571.75 449.05 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 426.50 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 67.50 426.50 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 96.60 426.50 Td ($18 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 133.71 426.50 Td ( in cumulative OTTI reclassified from HTM to ) Tj ET Q q 0 0 0 rg BT 285.23 426.50 Td (AFS due to the transfer of the related debt securities from HTM to ) Tj ET Q q 0 0 0 rg BT 499.18 426.50 Td (AFS. Citi adopted ) Tj ET Q q 0 0 0 rg BT 558.74 426.50 Td (ASU ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 416.90 Td (2017-12, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 98.16 416.90 Td (T) Tj ET Q q 0 0 0 rg BT 101.88 416.90 Td (ar) Tj ET Q q 0 0 0 rg BT 108.70 416.90 Td (geted Impr) Tj ET Q q 0 0 0 rg BT 143.28 416.90 Td (ovements to ) Tj ET Q q 0 0 0 rg BT 183.12 416.90 Td (Accounting for Hedging ) Tj ET Q q 0 0 0 rg BT 262.30 416.90 Td (Activities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 292.06 416.90 Td (, on January 1, 2018 and transferred approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.34 416.90 Td ($4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 488.23 416.90 Td ( of HTM debt securities into ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 407.30 Td (AFS classification as permitted as a one-time transfer under the standard.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 397.70 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 67.50 397.70 Td (Primarily consists of Prime securities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 388.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 67.50 388.10 Td (Primarily consists of ) Tj ET Q q 0 0 0 rg BT 135.28 388.10 Td (Alt-A) Tj ET Q q 0 0 0 rg BT 153.50 388.10 Td ( securities.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 265.00 197.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 265.00 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 265.00 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 265.00 70.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 265.00 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 265.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 239.00 197.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 239.00 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 239.00 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 239.00 70.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 239.00 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 239.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 213.00 197.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 213.00 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 213.00 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 213.00 70.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 213.00 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 213.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 187.00 197.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 187.00 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 187.00 71.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 187.00 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 187.00 78.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 187.00 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 151.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 151.00 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 151.00 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 151.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 151.00 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 151.00 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 123.00 197.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 123.00 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 123.00 71.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 123.00 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 123.00 78.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 123.00 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 246.25 342 m 305.25 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 342 m 376.25 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 342 m 446.25 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 342 m 524.25 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 342 m 584.25 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 265 m 246.25 265 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 342 m 305.25 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 265 m 305.25 265 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 265 m 376.25 265 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 265 m 446.25 265 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 342 m 524.25 265 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 265 m 524.25 265 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 342 m 584.25 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 265 m 584.25 265 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 265 m 524.25 252 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 252 m 524.25 239 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 239 m 524.25 226 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 226 m 524.25 213 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 213 m 524.25 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 187 m 305.25 187 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 187 m 376.25 187 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 187 m 446.25 187 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 200 m 524.25 187 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 187 m 524.25 187 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 187 m 246.25 187 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 164 m 246.25 164 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 187 m 305.25 187 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 164 m 305.25 164 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 187 m 376.25 187 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 164 m 376.25 164 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 187 m 446.25 187 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 164 m 446.25 164 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 187 m 524.25 164 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 187 m 524.25 187 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 164 m 524.25 164 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 187 m 584.25 187 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 164 m 584.25 164 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 164 m 524.25 151 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 151 m 524.25 137 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 137 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 49.25 123 m 246.25 123 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 100 m 246.25 100 l s 0 0 0 RG /GS0 gs 1.00 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 2.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 100 m 305.25 100 l s 0 0 0 RG /GS0 gs 1.00 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 2.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 100 m 376.25 100 l s 0 0 0 RG /GS0 gs 1.00 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 2.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 100 m 446.25 100 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 123 m 524.25 100 l s 0 0 0 RG /GS0 gs 1.00 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 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 100 m 524.25 100 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 123 m 584.25 123 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 100 m 584.25 100 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 346.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.90 346.46 Td (Cumulative OTTI credit losses recognized in earnings on debt securities still held) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 51.75 269.25 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 278.46 Td (Dec. 31, 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 269.46 Td (balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 323.46 Td (Credit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.75 314.46 Td (impairments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.85 305.46 Td (recognizedin) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.35 296.46 Td (earningson) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.35 287.46 Td (securitiesnot) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.25 278.46 Td (previously) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.25 269.46 Td (impaired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.50 332.46 Td (Credit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.25 323.46 Td (impairments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.35 314.46 Td (recognizedin) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.85 305.46 Td (earningson) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.75 296.46 Td (securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.35 287.46 Td (that have) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.10 278.46 Td (beenpreviously) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.75 269.46 Td (impaired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 305.46 Td (Reductionsdueto) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 296.46 Td (credit-impaired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 287.46 Td (securitiessold,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.35 278.46 Td (transferredor) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.55 269.46 Td (matured) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 496.04 273.54 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.50 278.46 Td (Dec. 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 269.46 Td (balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.75 256.40 Td (AFS debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 256.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 256.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.75 256.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 256.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 256.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 243.26 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 153.71 247.34 Td (\(1\)\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 243.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 243.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 243.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 243.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.75 243.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 243.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 243.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 243.26 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 243.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.75 243.26 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 230.26 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.25 230.26 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 230.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 230.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 230.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 576.25 230.26 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 217.26 Td (Foreign government securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 217.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 217.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 217.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 217.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.75 217.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 204.26 Td (Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.25 204.26 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 204.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 204.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 204.26 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 204.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 576.25 204.26 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 191.26 Td (All other debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 191.26 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 191.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.25 191.26 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 191.26 Td (\(22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 191.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 576.25 191.26 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 177.46 Td (T) Tj ET Q q 0 0 0 rg BT 56.93 177.46 Td (otal OTTI credit losses recognized for ) Tj ET Q q 0 0 0 rg BT 195.82 177.46 Td (AFS debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 168.46 Td (securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 168.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 168.46 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 168.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 168.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.75 168.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.25 168.46 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 168.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 168.46 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 168.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.75 168.46 Td (48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.75 155.40 Td (HTM debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 155.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 155.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 141.46 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 151.46 145.54 Td (\(1\) \(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 141.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 141.46 Td (101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 141.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 141.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.75 141.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 141.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 141.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 141.46 Td (\(47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 141.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 141.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.75 141.46 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 128.26 Td (State and municipal ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.25 127.46 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 127.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 127.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 127.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 576.25 127.46 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 113.46 Td (T) Tj ET Q q 0 0 0 rg BT 56.62 113.46 Td (otal OTTI credit losses recognized for HTM debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 104.46 Td (securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 104.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 104.46 Td (104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 104.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 104.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.75 104.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 104.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 104.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 104.46 Td (\(47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 104.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 104.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.75 104.46 Td (57) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 81.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 67.50 81.90 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 96.60 81.90 Td ($38 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 133.71 81.90 Td ( in cumulative OTTI reclassified from HTM to ) Tj ET Q q 0 0 0 rg BT 285.23 81.90 Td (AFS due to the transfer of the related securities from HTM to ) Tj ET Q q 0 0 0 rg BT 483.40 81.90 Td (AFS.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 72.30 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 67.50 72.30 Td (Primarily consists of Prime securities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 62.70 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 67.50 62.70 Td (Primarily consists of ) Tj ET Q q 0 0 0 rg BT 135.28 62.70 Td (Alt-A) Tj ET Q q 0 0 0 rg BT 153.50 62.70 Td ( securities.) Tj ET Q 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 (189) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (Non-Marketable Equity Securities Not Carried at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 730.25 Td (Fair) Tj ET Q q 0 0 0 rg BT 67.64 730.25 Td ( ) Tj ET Q q 0 0 0 rg BT 69.96 730.25 Td (V) Tj ET Q q 0 0 0 rg BT 76.27 730.25 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 58.76 718.25 Td (fective January 1, 2018, non-marketable equity securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.25 Td (are required to be measured at fair value with changes in fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.25 Td (value recognized in earnings unless \(i\) the measurement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.25 Td (alternative is elected or \(ii\) the investment represents Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.25 Td (Reserve Bank and Federal Home Loan Bank stock or certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.25 Td (exchange seats that continue to be carried at cost. See Note 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.25 Td (to the Consolidated Financial Statements for additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.25 Td (details.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 622.25 Td (The election to measure a non-marketable equity security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.25 Td (using the measurement alternative is made on an instrument-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.25 Td (by-instrument basis. Under the measurement alternative, an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.25 Td (equity security is carried at cost plus or minus changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.25 Td (resulting from observable prices in orderly transactions for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.25 Td (the identical or a similar investment of the same issuer) Tj ET Q q 0 0 0 rg BT 266.94 562.25 Td (. ) Tj ET Q q 0 0 0 rg BT 271.76 562.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.25 Td (carrying value of the equity security is adjusted to fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.25 Td (on the date of an observed transaction. Fair value may dif) Tj ET Q q 0 0 0 rg BT 279.52 538.25 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.25 Td (from the observed transaction price due to a number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.25 Td (factors, including marketability adjustments and dif) Tj ET Q q 0 0 0 rg BT 255.94 514.25 Td (ferences ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.25 Td (in rights and obligations when the observed transaction is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.25 Td (for the identical investment held by Citi.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 478.25 Td (Equity securities under the measurement alternative are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.25 Td (also assessed for impairment. On a quarterly basis, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.25 Td (management qualitatively assesses whether each equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.25 Td (security under the measurement alternative is impaired. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.25 Td (Impairment indicators that are considered include, but are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.25 Td (limited to, the following:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 400.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 400.25 Td (a significant deterioration in the earnings performance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 388.25 Td (credit rating, asset quality or business prospects of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 376.25 Td (investee;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 364.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 364.25 Td (a significant adverse change in the regulatory) Tj ET Q q 0 0 0 rg BT 248.44 364.25 Td (, economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 352.25 Td (or technological environment of the investee;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 340.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 340.25 Td (a significant adverse change in the general market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 328.25 Td (condition of either the geographical area or the industry ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 316.25 Td (in which the investee operates;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 304.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 304.25 Td (a bona fide of) Tj ET Q q 0 0 0 rg BT 122.57 304.25 Td (fer to purchase, an of) Tj ET Q q 0 0 0 rg BT 207.08 304.25 Td (fer by the investee to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 292.25 Td (sell or a completed auction process for the same or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 280.25 Td (similar investment for an amount less than the carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 268.25 Td (amount of that investment; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 256.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 256.25 Td (factors that raise significant concerns about the investee) Tj ET Q q 0 0 0 rg BT 293.80 256.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 244.25 Td (ability to continue as a going concern, such as negative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 232.25 Td (cash flows from operations, working capital deficiencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 220.25 Td (or noncompliance with statutory capital requirements or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 208.25 Td (debt covenants.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 742.10 Td (When the qualitative assessment indicates that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 730.10 Td (impairment exists, the investment is written down to fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 718.10 Td (value, with the full dif) Tj ET Q q 0 0 0 rg BT 424.21 718.10 Td (ference between the fair value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 706.10 Td (investment and its carrying amount recognized in earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 694.10 Td (Below is the carrying value of non-marketable equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 682.10 Td (securities measured using the measurement alternative at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 670.10 Td (December 31, 2018, and amounts recognized in earnings for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 658.10 Td (the year ended December 31, 2018:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 337.60 599.60 159.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.60 599.60 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.60 571.60 159.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.60 571.60 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.60 534.60 159.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.60 534.60 85.00 -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 496.6 599.6 m 581.6 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.6 599.6 m 496.6 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.6 599.6 m 581.6 599.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 337.6 510.6 m 496.6 510.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.6 510.6 m 581.6 510.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 340.10 603.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.05 613.05 Td (Y) Tj ET Q q 0 0 0 rg BT 521.55 613.05 Td (ear) Tj ET Q q 0 0 0 rg BT 533.88 613.05 Td ( Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.30 604.05 Td (December) Tj ET Q q 0 0 0 rg BT 541.11 604.05 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.10 590.06 Td (Measurement alternative:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.10 576.86 Td (Balance as of December 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.10 576.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.60 576.05 Td (538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.10 562.06 Td (Impairment losses) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 405.84 566.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.60 562.05 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.10 548.06 Td (Downward changes for observable ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.10 539.06 Td (prices) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 361.59 543.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 569.10 539.05 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.10 515.06 Td (Upward changes for observable prices) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 478.04 519.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.60 515.05 Td (219) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 491.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 353.25 491.90 Td (See Note 24 to the Consolidated Financial Statements for additional ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.25 482.30 Td (information on these nonrecurring fair value measurements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 458.30 Td (A) Tj ET Q q 0 0 0 rg BT 359.92 458.30 Td ( similar impairment analysis is performed for non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 446.30 Td (marketable equity securities carried at cost. For the year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 434.30 Td (ended December 31, 2018, there was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.75 434.30 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.75 434.30 Td ( impairment loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 422.30 Td (recognized in earnings for non-marketable equity securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 410.30 Td (carried at cost.) 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 (190) 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) 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 \(NA) Tj ET Q q 0 0 0 rg BT 253.42 706.25 Td (V\), or its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.25 Td (equivalent, including hedge funds, private equity funds, funds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.25 Td (of funds and real estate funds, as provided by third-party asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.25 Td (managers. Investments in such funds are generally classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.25 Td (as non-marketable equity securities carried at fair value. ) Tj ET Q q 0 0 0 rg BT 276.16 658.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.25 Td (fair values of these investments are estimated using the NA) Tj ET Q q 0 0 0 rg BT 285.64 646.25 Td (V) Tj ET Q q 0 0 0 rg BT 292.68 646.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.25 Td (of the Company) Tj ET Q q 0 0 0 rg BT 116.71 634.25 Td (s ownership interest in the funds. Some of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.25 Td (these investments are in covered funds for purposes of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 742.10 Td (V) Tj ET Q q 0 0 0 rg BT 341.18 742.10 Td (olcker Rule, which prohibits certain proprietary investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 730.10 Td (activities and limits the ownership of, and relationships with, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 718.10 Td (covered funds. On ) Tj ET Q q 0 0 0 rg BT 410.79 718.10 Td (April 21, 2017, Citi) Tj ET Q q 0 0 0 rg BT 492.18 718.10 Td (s request for extension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 706.10 Td (of the permitted holding period under the ) Tj ET Q q 0 0 0 rg BT 502.53 706.10 Td (V) Tj ET Q q 0 0 0 rg BT 508.46 706.10 Td (olcker Rule for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 694.10 Td (certain of its investments in illiquid funds was approved, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 682.10 Td (allowing the Company to hold such investments until the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 670.10 Td (earlier of five years from the July 21, 2017 expiration date of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 658.10 Td (the general conformance period, or the date such investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 646.10 Td (mature or are otherwise conformed with the ) Tj ET Q q 0 0 0 rg BT 513.06 646.10 Td (V) Tj ET Q q 0 0 0 rg BT 518.99 646.10 Td (olcker Rule.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 556.75 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.00 556.75 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.00 556.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 556.75 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.00 556.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 556.75 118.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.00 556.75 70.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 530.75 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.00 530.75 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.00 530.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 530.75 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.00 530.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 530.75 118.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.00 530.75 70.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 496.75 102.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.00 496.75 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.00 496.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 496.75 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.00 496.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 496.75 118.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.00 496.75 70.00 -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 152 579.75 m 215 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215 579.75 m 273 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 579.75 m 336 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336 579.75 m 397 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397 579.75 m 515 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515 579.75 m 585 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 556.75 m 152 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152 579.75 m 215 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152 556.75 m 215 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 579.75 m 273 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215 579.75 m 273 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215 556.75 m 273 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 579.75 m 336 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 556.75 m 336 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336 579.75 m 397 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336 556.75 m 397 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397 556.75 m 515 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515 556.75 m 585 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 556.75 m 273 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215 556.75 m 273 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 556.75 m 336 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336 556.75 m 397 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397 556.75 m 515 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515 556.75 m 585 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 543.75 m 273 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 530.75 m 273 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 517.75 m 273 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 496.75 m 152 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 483.75 m 152 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152 496.75 m 215 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 152 483.75 m 215 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 496.75 m 273 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215 496.75 m 273 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 215 483.75 m 273 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 496.75 m 336 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 273 483.75 m 336 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336 496.75 m 397 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336 483.75 m 397 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397 496.75 m 515 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 397 483.75 m 515 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515 496.75 m 585 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515 483.75 m 585 483.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.45 584.20 Td (Fair) Tj ET Q q 0 0 0 rg BT 208.86 584.20 Td ( value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.20 593.20 Td (Unfunded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 584.20 Td (commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.70 602.20 Td (Redemptionfr) Tj ET Q q 0 0 0 rg BT 467.78 602.20 Td (equency) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.80 593.20 Td (\(ifcurr) Tj ET Q q 0 0 0 rg BT 443.37 593.20 Td (entlyeligible\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.45 584.20 Td (monthly) Tj ET Q q 0 0 0 rg BT 431.96 584.20 Td (,quarterly) Tj ET Q q 0 0 0 rg BT 472.45 584.20 Td (, annually) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.00 602.20 Td (Redemption) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 593.20 Td (notice) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.95 584.20 Td (period) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 561.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.80 570.20 Td (December) Tj ET Q q 0 0 0 rg BT 195.69 570.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.00 561.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.25 570.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.50 561.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.80 570.20 Td (December) Tj ET Q q 0 0 0 rg BT 316.61 570.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.00 561.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.75 570.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 561.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 548.01 Td (Hedge funds) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 154.50 548.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.50 548.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.50 548.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.00 548.01 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.50 548.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.50 548.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.50 548.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 548.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.35 548.01 Td (Generally quarterly) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.85 548.01 Td (1095days) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 535.01 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 124.99 539.09 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.00 535.15 Td (168) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 535.01 Td (372) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.50 535.15 Td (62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 535.01 Td (62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 535.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.00 535.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 522.01 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 113.98 526.09 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.50 522.15 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.50 522.01 Td (31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.50 522.15 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 522.01 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 522.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.00 522.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 509.01 Td (Mutual/collective ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 500.01 Td ( investment funds) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.50 501.20 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.50 501.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.50 501.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 501.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 488.15 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 488.15 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 154.50 488.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.00 488.15 Td (207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.50 488.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 488.01 Td (404) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.50 488.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.50 488.15 Td (81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.50 488.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 488.01 Td (82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 488.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.00 488.01 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 466.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 466.65 Td (Private equity funds include funds that invest in infrastructure, emer) Tj ET Q q 0 0 0 rg BT 285.52 466.65 Td (ging markets and venture capital.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 457.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 457.05 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 400.72 457.05 Td (Asia.) Tj ET Q 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 (191) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (14.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 ( categories: consumer 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 ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 48.50 648.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.50 648.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 87.94 648.25 Td (Corporate/Other) Tj ET Q q 0 0 0 rg BT 154.61 648.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.11 648.25 Td ( ) Tj ET Q q 0 0 0 rg BT 159.43 648.25 Td (The following table provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 636.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 636.25 Td (s consumer loans by loan type:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 583.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 583.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 583.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 546.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 546.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 546.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 518.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 518.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 518.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 490.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 490.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 490.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 453.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 453.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 453.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 425.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 425.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 425.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 397.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 397.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 397.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 369.75 130.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 369.75 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 369.75 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 166.5 611.75 m 230.5 611.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 611.75 m 288.5 611.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 597.75 m 166.5 597.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 597.75 m 230.5 597.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 597.75 m 288.5 597.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 518.75 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 36.5 518.75 m 166.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 504.75 m 166.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 518.75 m 230.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 518.75 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 230.5 504.75 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 166.5 504.75 m 230.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 504.75 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 166.5 411.75 m 230.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 411.75 m 288.5 411.75 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 166.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 397.75 m 166.5 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 411.75 m 230.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 411.75 m 288.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 397.75 m 288.5 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 383.75 m 166.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 397.75 m 230.5 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 383.75 m 230.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 397.75 m 288.5 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 383.75 m 288.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 383.75 m 230.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 369.75 m 230.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 383.75 m 288.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 369.75 m 288.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 369.75 m 166.5 369.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 346.75 m 166.5 346.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 369.75 m 230.5 369.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 346.75 m 230.5 346.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 369.75 m 288.5 369.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 346.75 m 288.5 346.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.80 616.20 Td (December) Tj ET Q q 0 0 0 rg BT 239.69 616.20 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 602.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.00 602.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 602.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 588.21 Td (In U.S.of) Tj ET Q q 0 0 0 rg BT 74.42 588.21 Td (fices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 588.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 574.21 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 133.71 578.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 574.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.25 574.20 Td (60,127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 574.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 574.21 Td (65,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 560.21 Td (Installment, revolving credit and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 551.21 Td (other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.75 551.20 Td (3,398) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 551.21 Td (3,398) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 537.21 Td (Cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 537.20 Td (143,788) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.75 537.21 Td (139,006) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 523.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.75 523.20 Td (8,256) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 523.21 Td (7,840) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 509.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 509.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 509.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 509.20 Td (215,569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 509.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.75 509.21 Td (215,71) Tj ET Q q 0 0 0 rg BT 280.50 509.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 495.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.16 495.21 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 169.00 495.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 481.21 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 133.71 485.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 481.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.25 481.20 Td (43,379) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 481.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 481.21 Td (44,081) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 467.21 Td (Installment, revolving credit and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 458.21 Td (other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.25 458.20 Td (27,609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 458.21 Td (26,556) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 444.21 Td (Cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.25 444.20 Td (25,400) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 444.21 Td (26,257) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 430.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.25 430.20 Td (17,773) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 430.21 Td (20,238) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 416.21 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.00 416.20 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 416.21 Td (76) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 402.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 402.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 402.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 402.20 Td (1) Tj ET Q q 0 0 0 rg BT 202.25 402.20 Td (14,210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 402.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.75 402.21 Td (1) Tj ET Q q 0 0 0 rg BT 260.25 402.21 Td (17,208) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 388.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 388.20 Td (otal consumer) Tj ET Q q 0 0 0 rg BT 98.34 388.20 Td ( loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 388.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 388.20 Td (329,779) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 388.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.75 388.21 Td (332,919) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 374.21 Td (Net unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 374.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.50 374.20 Td (708) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 374.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 374.21 Td (737) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 360.20 Td (Consumer) Tj ET Q q 0 0 0 rg BT 78.84 360.20 Td ( loans, net of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 351.20 Td (unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 351.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 351.20 Td (330,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 351.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.75 351.21 Td (333,656) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 327.25 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.33 327.25 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 327.25 Td (Loans secured primarily by real estate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 303.25 Td (Citigroup has established a risk management process to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 291.25 Td (monitor) Tj ET Q q 0 0 0 rg BT 67.26 291.25 Td (, evaluate and manage the principal risks associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 279.25 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 36.00 267.25 Td (are actively monitored include delinquency status, consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 255.25 Td (credit scores \(FICO\) and loan to value \(L) Tj ET Q q 0 0 0 rg BT 200.31 255.25 Td (TV\) ratios, each as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 243.25 Td (discussed in more detail below) Tj ET Q q 0 0 0 rg BT 158.66 243.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 231.25 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 36.00 219.25 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 36.00 207.25 Td (cards with below-market introductory interest rates and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 195.25 Td (interest-only loans are examples of such products. ) Tj ET Q q 0 0 0 rg BT 238.54 195.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 183.25 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 36.00 171.25 Td (intended to mitigate their higher inherent risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 159.25 Td (During the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.55 159.25 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.65 159.25 Td ( ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.52 159.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.11 159.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.54 159.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.54 159.25 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 147.25 Td (Company sold and/or reclassified to HFS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.76 147.25 Td ($3.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.87 147.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.31 147.25 Td ($4.9 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 135.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 135.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 114.77 135.25 Td (, of consumer loans. ) 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, other than Federal Housing ) Tj ET Q q 0 0 0 rg BT 502.57 506.25 Td (Administration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 494.25 Td (\(FHA\)-insured loans, are classified as non-accrual within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.59 494.25 Td (60 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 482.25 Td (days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.33 482.25 Td ( of notification that the borrower has filed for bankruptcy) Tj ET Q q 0 0 0 rg BT 570.77 482.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 470.25 Td (Commercial banking loans are placed on a cash \(non-accrual\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 458.25 Td (basis when it is determined, based on actual experience and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 446.25 Td (forward-looking assessment of the collectability of the loan in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 434.25 Td (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 324.00 422.25 Td (when interest or principal is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.14 422.25 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.14 422.25 Td (days past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 410.25 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 324.00 398.25 Td (current status varies by product. Generally) Tj ET Q q 0 0 0 rg BT 493.29 398.25 Td (, one of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 386.25 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 324.00 374.25 Td (minimum number of payments \(typically ranging from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.90 374.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.34 374.25 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 362.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.99 362.25 Td (\) 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 324.00 350.25 Td (current status. However) Tj ET Q q 0 0 0 rg BT 418.84 350.25 Td (, re-aging practices for certain open-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 338.25 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 324.00 326.25 Td (Federal Financial Institutions Examination Council \(FFIEC\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 314.25 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 324.00 302.25 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 324.00 290.25 Td (current status is that at least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.30 290.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.29 290.25 Td ( consecutive minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 278.25 Td (monthly payments, or the equivalent amount, must be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 266.25 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 324.00 254.25 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 324.00 242.25 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 324.00 230.25 Td (Furthermore, FHA) Tj ET Q q 0 0 0 rg BT 398.44 230.25 Td ( and Department of ) Tj ET Q q 0 0 0 rg BT 478.23 230.25 Td (V) Tj ET Q q 0 0 0 rg BT 484.34 230.25 Td (eterans ) Tj ET Q q 0 0 0 rg BT 514.61 230.25 Td (Af) Tj ET Q q 0 0 0 rg BT 524.98 230.25 Td (fairs \(V) Tj ET Q q 0 0 0 rg BT 554.51 230.25 Td (A\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 218.25 Td (loans are modified under those respective agencies) Tj ET Q q 0 0 0 rg BT 529.84 218.25 Td ( guidelines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 206.25 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 324.00 194.25 Td (modified loan to current.) 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 (192) 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, 2018) 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 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 699.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 699.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 671.75 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 671.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 671.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 671.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 671.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 671.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 671.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 671.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 643.75 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 643.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 643.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 643.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 643.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 643.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 643.75 49.00 -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 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 615.75 49.00 -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 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 587.75 49.00 -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 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 559.75 49.00 -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 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 531.75 49.00 -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 36.50 495.75 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 495.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 495.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 495.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 495.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 495.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 495.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 495.75 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 454.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 699.75 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 409.5 671.75 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 409.5 657.75 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 409.5 643.75 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 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 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 454.5 615.75 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 454.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 615.75 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 454.5 601.75 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 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 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 573.75 m 409.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 573.75 m 409.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 559.75 m 409.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 559.75 m 409.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 545.75 m 409.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 545.75 m 409.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 531.75 m 454.5 531.75 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 198.5 531.75 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 198.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 531.75 m 250.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 517.75 m 250.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 531.75 m 300.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 517.75 m 300.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 531.75 m 349.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 517.75 m 349.5 517.75 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 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 349.5 531.75 m 409.5 531.75 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 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 454.5 531.75 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 454.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 531.75 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 454.5 517.75 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 250.5 517.75 m 300.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 517.75 m 349.5 517.75 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 409.5 495.75 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 409.5 517.75 m 409.5 495.75 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 454.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 517.75 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 503.5 517.75 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 409.5 495.75 m 409.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 495.75 m 409.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 481.75 m 198.5 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 467.75 m 198.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 481.75 m 250.5 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 467.75 m 250.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 481.75 m 300.5 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 467.75 m 300.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 481.75 m 349.5 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 467.75 m 349.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 481.75 m 409.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 481.75 m 409.5 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 467.75 m 409.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 481.75 m 409.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 481.75 m 454.5 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 467.75 m 454.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 481.75 m 503.5 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 467.75 m 503.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 481.75 m 576.5 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 467.75 m 576.5 467.75 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 4.94 0 0 9.04 306.50 711.26 cm /I46 Do Q q 0 0 0 rg BT 311.44 713.20 Td ( ) Tj ET Q q 0 0 0 rg BT 313.69 713.20 Td (90days) Tj ET 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 421.65 713.20 Td (T) Tj ET Q q 0 0 0 rg BT 426.83 713.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.05 704.20 Td (loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 438.06 708.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.65 722.20 Td (T) Tj ET Q q 0 0 0 rg BT 473.83 722.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.70 713.20 Td (non-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 704.20 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 ) Tj ET Q q 0 0 0 rg BT 71.75 690.21 Td (America of) Tj ET Q q 0 0 0 rg BT 112.14 690.21 Td (fices) 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 457.00 690.21 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 BT /F1 5.85 Tf ET q 0 0 0 rg BT 141.98 680.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 676.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 676.20 Td (45,953) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 676.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 676.20 Td (420) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 676.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.50 676.20 Td (253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 676.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 676.20 Td (786) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 676.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.25 676.20 Td (47,412) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 676.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 676.20 Td (583) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 676.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 676.20 Td (549) 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 (\(6\)\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 662.20 Td (1) Tj ET Q q 0 0 0 rg BT 226.75 662.20 Td (1,135) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 662.20 Td (161) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.50 662.20 Td (247) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 662.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.25 662.20 Td (1) Tj ET Q q 0 0 0 rg BT 430.75 662.20 Td (1,543) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 662.20 Td (527) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 662.20 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 /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 648.20 Td (141,106) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.75 648.20 Td (1,687) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.75 648.20 Td (1,764) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 648.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 648.20 Td (144,557) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 648.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 648.20 Td (1,764) 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 /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 634.20 Td (3,394) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 634.20 Td (43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 634.20 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 634.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.75 634.20 Td (3,453) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 634.20 Td (22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 634.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 620.21 Td (Commercial banking loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 620.20 Td (9,662) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 620.20 Td (20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 620.20 Td (46) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 620.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.75 620.20 Td (9,728) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 620.20 Td (109) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 620.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 606.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 606.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 606.20 Td (21) Tj ET Q q 0 0 0 rg BT 226.75 606.20 Td (1,250) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.75 606.20 Td (2,331) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.75 606.20 Td (2,326) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 606.20 Td (786) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 606.20 Td (216,693) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 606.20 Td (1,241) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 606.20 Td (2,313) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 592.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 592.21 Td (fices outside North ) Tj ET Q q 0 0 0 rg BT 126.32 592.21 Td (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 457.00 592.21 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 BT /F1 5.85 Tf ET q 0 0 0 rg BT 141.98 582.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 578.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 578.20 Td (35,624) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 578.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 578.20 Td (203) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 578.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.50 578.20 Td (145) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 578.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 578.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 578.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.25 578.20 Td (35,972) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 578.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 578.20 Td (383) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 578.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 578.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 564.21 Td (Credit cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 564.20 Td (24,131) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 564.20 Td (425) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.50 564.20 Td (370) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 564.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.25 564.20 Td (24,926) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 564.20 Td (312) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 564.20 Td (235) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 550.21 Td (Installment and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 550.20 Td (25,085) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 550.20 Td (254) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.50 550.20 Td (107) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 550.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.25 550.20 Td (25,446) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 550.20 Td (152) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 550.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 536.21 Td (Commercial banking loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 536.20 Td (27,345) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 536.20 Td (51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 536.20 Td (53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 536.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.25 536.20 Td (27,449) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 536.20 Td (138) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 536.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 522.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 522.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 522.20 Td (1) Tj ET Q q 0 0 0 rg BT 222.25 522.20 Td (12,185) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 522.20 Td (933) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.50 522.20 Td (675) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 522.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 522.20 Td (1) Tj ET Q q 0 0 0 rg BT 426.25 522.20 Td (13,793) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 522.20 Td (985) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 522.20 Td (235) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 509.01 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 509.01 Td (otal ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 59.61 509.01 Td (GCB) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 77.61 509.01 Td ( and ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 95.11 509.01 Td (Corporate/Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 156.11 509.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 500.01 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 500.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 500.20 Td (323,435) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 500.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.75 500.20 Td (3,264) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 500.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.75 500.20 Td (3,001) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 500.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 500.20 Td (786) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 500.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 500.20 Td (330,486) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 500.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 500.20 Td (2,226) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 500.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 500.20 Td (2,548) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 486.20 Td (Other) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 61.99 490.28 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.50 486.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 486.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 486.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 486.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.50 486.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 486.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 486.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 472.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 472.20 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 83.75 472.20 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 472.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 472.20 Td (323,436) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 472.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.75 472.20 Td (3,264) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 472.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.75 472.20 Td (3,001) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 472.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 472.20 Td (786) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 472.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 472.20 Td (330,487) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 472.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 472.20 Td (2,226) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 472.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 472.20 Td (2,548) 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 BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 450.65 Td (Loans less than ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.32 450.65 Td (30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 113.32 450.65 Td (days past due are presented as current.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 441.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 441.05 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.10 441.05 Td ($20 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.21 441.05 Td ( of residential first mortgages recorded at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 431.45 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 431.45 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 36.00 421.85 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 421.85 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 468.34 421.85 Td ($0.2 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.23 421.85 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.79 421.85 Td (90) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 528.79 421.85 Td (days or more ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 412.25 Td (past due of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 91.10 412.25 Td ($0.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 127.99 412.25 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 402.65 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 402.65 Td (Includes approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 131.31 402.65 Td ($0.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 168.20 402.65 Td ( of residential first mortgage loans in process of foreclosure.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 393.05 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 393.05 Td (Includes approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 131.31 393.05 Td ($0.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 168.20 393.05 Td ( of home equity loans in process of foreclosure.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 383.45 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 383.45 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 36.00 373.85 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 373.85 Td (Represents loans classified as consumer loans on the Consolidated Balance Sheet that are not included in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 392.13 373.85 Td (Corporate/Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 446.36 373.85 Td ( consumer credit metrics.) 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 (193) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (Consumer Loan Delinquency and Non-Accrual Details at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.43 742.10 Td (December31, 2017) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 699.60 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 699.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 699.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 699.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 699.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 699.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 699.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 699.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 671.60 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 671.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 671.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 671.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 671.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 671.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 671.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 671.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 643.60 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 643.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 643.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 643.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 643.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 643.60 44.00 -14.00 re f /GS0 gs 0.8 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BT 71.75 690.06 Td (America of) Tj ET Q q 0 0 0 rg BT 112.14 690.06 Td (fices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 690.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 690.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 690.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 690.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 690.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 690.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 690.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 676.06 Td (Residential first mortgages) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 141.98 680.14 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 676.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 676.06 Td (47,366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 676.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 676.06 Td (505) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 676.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 676.06 Td (280) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 676.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.75 676.06 Td (1,225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 676.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 676.06 Td (49,376) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 676.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 676.06 Td (665) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 676.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 676.06 Td (941) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 662.06 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 112.99 666.14 Td (\(6\)\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 662.06 Td (14,268) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 662.06 Td (207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 662.06 Td (352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 662.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 662.06 Td (14,827) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 662.06 Td (750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 662.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 648.06 Td (Credit cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 648.06 Td (136,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 648.06 Td (1,528) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.75 648.06 Td (1,613) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 648.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 648.06 Td (139,729) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 648.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 648.06 Td (1,596) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 634.06 Td (Installment and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.75 634.06 Td (3,395) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 634.06 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 634.06 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 634.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 634.06 Td (3,456) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 634.06 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 634.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 620.06 Td (Commercial banking loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.75 620.06 Td (9,395) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 620.06 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 620.06 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 620.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 620.06 Td (9,51) Tj ET Q q 0 0 0 rg BT 445.50 620.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 620.06 Td (213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 620.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 606.06 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 606.06 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 606.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 606.06 Td (21) Tj ET Q q 0 0 0 rg BT 226.75 606.06 Td (1,012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 606.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 606.06 Td (2,336) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 606.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.75 606.06 Td (2,326) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 606.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.75 606.06 Td (1,225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 606.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 606.06 Td (216,899) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 606.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 606.06 Td (1,650) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 606.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 606.06 Td (2,538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 592.06 Td (In of) Tj ET Q q 0 0 0 rg BT 56.16 592.06 Td (fices outside North ) Tj ET Q q 0 0 0 rg BT 126.57 592.06 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 592.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 592.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 592.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 592.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 592.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 592.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 592.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 578.06 Td (Residential first mortgages) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 141.98 582.14 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 578.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 578.06 Td (37,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 578.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 578.06 Td (209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 578.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 578.06 Td (148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 578.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 578.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 578.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 578.06 Td (37,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 578.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 578.06 Td (400) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 578.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 578.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 564.06 Td (Credit cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 564.06 Td (24,934) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 564.06 Td (427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 564.06 Td (366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 564.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 564.06 Td (25,727) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 564.06 Td (323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 564.06 Td (259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 550.06 Td (Installment and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 550.06 Td (25,634) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 550.06 Td (275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 550.06 Td (123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 550.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 550.06 Td (26,032) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 550.06 Td (157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 550.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 536.06 Td (Commercial banking loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 536.06 Td (27,449) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 536.06 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 536.06 Td (72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 536.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 536.06 Td (27,578) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 536.06 Td (160) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 536.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 522.06 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 522.06 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 522.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 522.06 Td (1) Tj ET Q q 0 0 0 rg BT 222.25 522.06 Td (15,079) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 522.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 522.06 Td (968) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 522.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 522.06 Td (709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 522.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 522.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 522.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 522.06 Td (1) Tj ET Q q 0 0 0 rg BT 425.25 522.06 Td (16,756) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 522.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 522.06 Td (1,040) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 522.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 522.06 Td (259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 508.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 508.86 Td (otal ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 59.61 508.86 Td (GCB) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 77.61 508.86 Td ( and ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 95.11 508.86 Td (Corporate/Other ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 499.86 Td ( Consumer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 500.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 500.06 Td (326,091) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 500.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 500.06 Td (3,304) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 500.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.75 500.06 Td (3,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 500.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.75 500.06 Td (1,225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 500.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 500.06 Td (333,655) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 500.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 500.06 Td (2,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 500.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 500.06 Td (2,797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 486.06 Td (Other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 59.49 490.14 Td (\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 486.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 486.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 486.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 486.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 486.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 486.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 486.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 472.06 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 472.06 Td (otal Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 472.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 472.06 Td (326,092) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 472.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 472.06 Td (3,304) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 472.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.75 472.06 Td (3,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 472.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.75 472.06 Td (1,225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 472.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 472.06 Td (333,656) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 472.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 472.06 Td (2,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 472.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 472.06 Td (2,797) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 450.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 450.50 Td (Loans less than ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.32 450.50 Td (30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 113.32 450.50 Td (days past due are presented as current.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 440.90 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 440.90 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.10 440.90 Td ($25 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.21 440.90 Td ( of residential first mortgages recorded at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 431.30 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 431.30 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 36.00 421.70 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 421.70 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 468.34 421.70 Td ($0.2 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.23 421.70 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.79 421.70 Td (90) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 528.79 421.70 Td (days or more ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 412.10 Td (past due of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 91.10 412.10 Td ($1.0 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 127.99 412.10 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 402.50 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 402.50 Td (Includes approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 131.31 402.50 Td ($0.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 168.20 402.50 Td ( of residential first mortgage loans in process of foreclosure.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 392.90 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 392.90 Td (Includes approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 131.31 392.90 Td ($0.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 168.20 392.90 Td ( of home equity loans in process of foreclosure.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 383.30 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 383.30 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 36.00 373.70 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 373.70 Td (Represents loans classified as consumer loans on the Consolidated Balance Sheet that are not included in the ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 403.91 373.70 Td (Corporate/Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 458.13 373.70 Td ( consumer credit metrics.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 349.70 Td (Consumer Cr) Tj ET Q q 0 0 0 rg BT 89.80 349.70 Td (edit Scor) Tj ET Q q 0 0 0 rg BT 125.26 349.70 Td (es \(FICO\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 337.70 Td (In the U.S., independent credit agencies rate an individual) Tj ET Q q 0 0 0 rg BT 270.64 337.70 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 325.70 Td (risk for assuming debt based on the individual) Tj ET Q q 0 0 0 rg BT 223.47 325.70 Td (s credit history ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 313.70 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 36.00 301.70 Td (credit score. ) Tj ET Q q 0 0 0 rg BT 87.18 301.70 Td (These scores are continually updated by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 289.70 Td (agencies based upon an individual) Tj ET Q q 0 0 0 rg BT 175.96 289.70 Td (s credit actions \(e.g.,taking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 277.70 Td (out a loan or missed or late payments\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 265.70 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 36.00 253.70 Td (for Citi) Tj ET Q q 0 0 0 rg BT 67.94 253.70 Td (s U.S.consumer loan portfolio based on end-of-period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 241.70 Td (receivables \(commercial banking loans are excluded from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 229.70 Td (tables since the customers are businesses and FICO scores are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 217.70 Td (not a primary driver in their credit evaluation\). FICO scores ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 205.70 Td (are updated monthly for substantially all of the portfolio or) Tj ET Q q 0 0 0 rg BT 271.38 205.70 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 193.70 Td (otherwise, on a quarterly basis for the remaining portfolio.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 279.20 88.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 279.20 54.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 279.20 55.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 279.20 55.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 242.20 88.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 242.20 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 242.20 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 242.20 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 214.20 88.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 214.20 54.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 214.20 55.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 214.20 55.00 -17.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 301.20000000000005 m 412.5 301.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 301.20000000000005 m 466.5 301.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 301.20000000000005 m 521.5 301.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 301.20000000000005 m 576.5 301.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 279.20000000000005 m 412.5 279.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 279.20000000000005 m 466.5 279.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 279.20000000000005 m 521.5 279.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 301.20000000000005 m 576.5 301.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 279.20000000000005 m 576.5 279.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 279.20000000000005 m 466.5 279.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 279.20000000000005 m 521.5 279.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 279.20000000000005 m 576.5 279.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 214.20000000000005 m 466.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 214.20000000000005 m 521.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 214.20000000000005 m 576.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 214.20000000000005 m 412.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 197.20000000000005 m 412.5 197.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 214.20000000000005 m 466.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 197.20000000000005 m 466.5 197.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 214.20000000000005 m 521.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 197.20000000000005 m 521.5 197.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 214.20000000000005 m 576.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 197.20000000000005 m 576.5 197.20000000000005 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.70 323.65 Td (FICO scor) Tj ET Q q 0 0 0 rg BT 386.28 323.65 Td (e ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.35 314.65 Td (distribution in ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.30 305.65 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 387.05 309.73 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.70 305.65 Td (December) Tj ET Q q 0 0 0 rg BT 496.59 305.65 Td ( 31, 2018) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 283.45 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.60 292.60 Td (Less than) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.25 283.60 Td (680) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 283.65 Td (680 to 760) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.40 292.60 Td (Gr) Tj ET Q q 0 0 0 rg BT 544.23 292.60 Td (eater) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 531.85 283.60 Td (than 760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 269.66 Td (Residential first) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 260.66 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 260.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 260.65 Td (4,530) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.00 260.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.25 260.65 Td (13,848) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.00 260.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 260.65 Td (26,546) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 246.66 Td (Home equity loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 246.65 Td (2,438) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.75 246.65 Td (4,296) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 246.65 Td (4,471) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 232.66 Td (Credit cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.25 232.65 Td (32,686) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.25 232.65 Td (58,722) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 232.65 Td (51,299) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 218.66 Td (Installment and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.50 218.65 Td (625) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.75 218.65 Td (1,097) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 218.65 Td (1,121) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 201.65 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 201.65 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 201.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.25 201.65 Td (40,279) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.00 201.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.25 201.65 Td (77,963) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.00 201.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 201.65 Td (83,437) Tj ET Q BT /F1 10.00 Tf ET 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 (194) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 694.50 88.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 124.50 694.50 54.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 694.50 55.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 694.50 55.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 657.50 88.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 124.50 657.50 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 657.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 657.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 629.50 88.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 124.50 629.50 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 629.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 629.50 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 36.5 716.5 m 124.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 124.5 716.5 m 178.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 716.5 m 233.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 716.5 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 36.5 694.5 m 124.5 694.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 124.5 716.5 m 178.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 124.5 694.5 m 178.5 694.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 716.5 m 233.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 694.5 m 233.5 694.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 716.5 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 233.5 694.5 m 288.5 694.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 124.5 694.5 m 178.5 694.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 694.5 m 233.5 694.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 694.5 m 288.5 694.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 124.5 629.5 m 178.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 629.5 m 233.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 629.5 m 288.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 629.5 m 124.5 629.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 615.5 m 124.5 615.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 124.5 629.5 m 178.5 629.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 124.5 615.5 m 178.5 615.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 629.5 m 233.5 629.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 615.5 m 233.5 615.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 629.5 m 288.5 629.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 615.5 m 288.5 615.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.10 738.96 Td (FICO score ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.60 729.96 Td (distribution in ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.30 720.96 Td (U.S.portfolio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 98.05 725.04 Td (\(1\)\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 170.60 720.96 Td (December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 698.75 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 133.85 707.76 Td (Less than) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.25 698.76 Td (680) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 186.20 698.96 Td (680 to 760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.00 707.76 Td (Greater) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.85 698.76 Td (than 760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 684.96 Td (Residential first) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 675.96 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 127.00 675.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 154.75 675.96 Td (5,603) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.00 675.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.25 675.96 Td (14,423) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.00 675.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 675.96 Td (26,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 661.96 Td (Home equity loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 154.75 661.96 Td (3,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.75 661.96 Td (5,439) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 661.96 Td (5,650) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 647.96 Td (Credit cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.25 647.96 Td (30,875) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.25 647.96 Td (56,443) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 647.96 Td (48,989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 633.96 Td (Installment and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 161.50 633.96 Td (716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.75 633.96 Td (1,020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 633.96 Td (1,275) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 619.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 619.95 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 127.00 619.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.25 619.96 Td (40,541) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.00 619.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.25 619.96 Td (77,325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.00 619.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 619.96 Td (82,185) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 598.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 598.40 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 54.00 588.80 Td (long-term standby commitments \(L) Tj ET Q q 0 0 0 rg BT 166.80 588.80 Td (TSC\) with U.S.government-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 579.20 Td (sponsored entities and loans recorded at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 569.60 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 569.60 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 54.00 560.05 Td (material.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 536.05 Td (Loan to V) Tj ET Q q 0 0 0 rg BT 74.34 536.05 Td (alue \(L) Tj ET Q q 0 0 0 rg BT 102.75 536.05 Td (TV\) Ratios) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 524.00 Td (L) Tj ET Q q 0 0 0 rg BT 41.19 524.00 Td (TV) Tj ET Q q 0 0 0 rg BT 54.34 524.00 Td ( ratios \(loan balance divided by appraised value\) are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 512.00 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 36.00 500.00 Td (data.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 488.00 Td (The following tables provide details on the L) Tj ET Q q 0 0 0 rg BT 233.32 488.00 Td (TV) Tj ET Q q 0 0 0 rg BT 246.47 488.00 Td ( ratios for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 476.00 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 476.00 Td (s U.S.consumer mortgage portfolios. L) Tj ET Q q 0 0 0 rg BT 211.18 476.00 Td (TV) Tj ET Q q 0 0 0 rg BT 224.33 476.00 Td ( ratios are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 464.00 Td (updated monthly using the most recent Core Logic Home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 452.00 Td (Price Index data available for substantially all of the portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 440.00 Td (applied at the Metropolitan Statistical ) Tj ET Q q 0 0 0 rg BT 188.47 440.00 Td (Area level, if available, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 428.00 Td (or the state level if not. ) Tj ET Q q 0 0 0 rg BT 130.51 428.00 Td (The remainder of the portfolio is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 416.00 Td (updated in a similar manner using the Federal Housing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 404.00 Td (Finance ) Tj ET Q q 0 0 0 rg BT 69.60 404.00 Td (Agency indices.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 329.50 83.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 119.50 329.50 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 329.50 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 329.50 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 292.50 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 119.50 292.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 292.50 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 292.50 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 36.5 370.5 m 119.5 370.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 370.5 m 167.5 370.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 370.5 m 231.5 370.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 370.5 m 288.5 370.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 329.5 m 119.5 329.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 329.5 m 167.5 329.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 329.5 m 231.5 329.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 329.5 m 288.5 329.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 329.5 m 167.5 329.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 329.5 m 231.5 329.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 329.5 m 288.5 329.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 292.5 m 167.5 292.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 292.5 m 231.5 292.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 292.5 m 288.5 292.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 292.5 m 119.5 292.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 278.5 m 119.5 278.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 292.5 m 167.5 292.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 278.5 m 167.5 278.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 292.5 m 231.5 292.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 278.5 m 231.5 278.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 292.5 m 288.5 292.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 278.5 m 288.5 278.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.95 383.95 Td (L) Tj ET Q q 0 0 0 rg BT 45.13 383.95 Td (TV) Tj ET Q q 0 0 0 rg BT 57.47 383.95 Td ( distribution in ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.80 374.95 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 96.55 379.03 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.20 374.95 Td (December) Tj ET Q q 0 0 0 rg BT 206.01 374.95 Td ( 31, 2018) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 333.75 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 124.60 360.95 Td (Less than ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 138.80 351.95 Td (or) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 127.60 342.95 Td (equal to ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 134.00 333.95 Td (80%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.80 360.95 Td (> 80% but less) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 173.30 351.95 Td (than or) Tj ET Q q 0 0 0 rg BT 201.39 351.95 Td ( equal ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.25 342.95 Td (to) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.75 333.95 Td (100%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.40 351.95 Td (Gr) Tj ET Q q 0 0 0 rg BT 255.23 351.95 Td (eater) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.70 342.95 Td (than) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.25 333.95 Td (100%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 319.96 Td (Residential first) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 310.96 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 122.00 310.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 310.95 Td (42,379) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 310.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 310.95 Td (2,474) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.00 310.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.50 310.95 Td (197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 296.96 Td (Home equity loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.75 296.95 Td (9,465) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 296.95 Td (1,287) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.50 296.95 Td (390) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 282.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 282.95 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 122.00 282.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 282.95 Td (51,844) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 282.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 282.95 Td (3,761) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.00 282.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.50 282.95 Td (587) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 196.50 83.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 119.50 196.50 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 196.50 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 196.50 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 159.50 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 119.50 159.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 159.50 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 159.50 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 36.5 237.5 m 119.5 237.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 237.5 m 167.5 237.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 237.5 m 231.5 237.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 237.5 m 288.5 237.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 196.5 m 119.5 196.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 196.5 m 167.5 196.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 196.5 m 231.5 196.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 196.5 m 288.5 196.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 196.5 m 167.5 196.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 196.5 m 231.5 196.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 196.5 m 288.5 196.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 159.5 m 167.5 159.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 159.5 m 231.5 159.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 159.5 m 288.5 159.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 159.5 m 119.5 159.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 145.5 m 119.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 159.5 m 167.5 159.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 145.5 m 167.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 159.5 m 231.5 159.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 145.5 m 231.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 159.5 m 288.5 159.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 145.5 m 288.5 145.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.70 250.96 Td (L) Tj ET Q q 0 0 0 rg BT 47.37 250.96 Td (TV) Tj ET Q q 0 0 0 rg BT 59.21 250.96 Td ( distribution in ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.80 241.96 Td (U.S.portfolio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 95.55 246.04 Td (\(1\)\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.10 241.96 Td (December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 200.75 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 125.85 227.96 Td (Less than ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.25 218.96 Td (or) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 128.60 209.96 Td (equal to ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 134.75 200.96 Td (80%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 172.30 218.96 Td (> 80% but less) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 170.85 209.96 Td (than or equal to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 188.50 200.96 Td (100%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.00 218.96 Td (Greater) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.75 209.96 Td (than) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.00 200.96 Td (100%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 186.96 Td (Residential first) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 177.96 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 122.00 177.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.25 177.96 Td (43,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 170.00 177.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.75 177.96 Td (2,578) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.00 177.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 177.96 Td (247) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 163.96 Td (Home equity loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.25 163.96 Td (1) Tj ET Q q 0 0 0 rg BT 143.75 163.96 Td (1,403) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.75 163.96 Td (2,147) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 163.96 Td (800) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 149.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 149.95 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 122.00 149.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.25 149.96 Td (55,029) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 170.00 149.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.75 149.96 Td (4,725) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.00 149.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 149.96 Td (1,047) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 128.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 128.40 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 54.00 118.80 Td (L) Tj ET Q q 0 0 0 rg BT 58.15 118.80 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 54.00 109.20 Td (fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 99.60 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 99.60 Td (Excludes balances where L) Tj ET Q q 0 0 0 rg BT 140.56 99.60 Td (TV) Tj ET Q q 0 0 0 rg BT 151.08 99.60 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 90.00 Td (material.) 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 (195) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Impair) Tj ET Q q 0 0 0 rg BT 65.82 742.25 Td (ed Consumer) Tj ET Q q 0 0 0 rg BT 122.58 742.25 Td ( Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (A) Tj ET Q q 0 0 0 rg BT 42.67 730.25 Td ( loan is considered impaired when Citi believes it is probable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (that all amounts due according to the original contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 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 36.00 694.25 Td (loans include non-accrual commercial banking loans, as well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (as smaller) Tj ET Q q 0 0 0 rg BT 76.06 682.25 Td (-balance homogeneous loans whose terms have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (modified due to the borrower) Tj ET Q q 0 0 0 rg BT 153.56 670.25 Td () Tj ET Q q 0 0 0 rg BT 156.34 670.25 Td (s financial dif) Tj ET Q q 0 0 0 rg BT 211.14 670.25 Td (ficulties and where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (Citi has granted a concession to the borrower) Tj ET Q q 0 0 0 rg BT 216.23 658.25 Td (. ) Tj ET Q q 0 0 0 rg BT 221.05 658.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 742.10 Td (modifications may include interest rate reductions and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 730.10 Td (principal for) Tj ET Q q 0 0 0 rg BT 373.52 730.10 Td (giveness. Impaired consumer loans exclude ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 718.10 Td (smaller) Tj ET Q q 0 0 0 rg BT 353.23 718.10 Td (-balance homogeneous loans that have not been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 706.10 Td (modified and are carried on a non-accrual basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 694.10 Td (The following tables present information about impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 682.10 Td (consumer loans and interest income recognized on impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 670.10 Td (consumer loans:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 587.75 256.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 587.75 68.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 587.75 42.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 587.75 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 587.75 63.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 587.75 56.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 557.75 256.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 557.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 557.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 557.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 557.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 557.75 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 529.75 256.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 529.75 68.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 529.75 42.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 529.75 55.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 529.75 63.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 529.75 56.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 498.75 256.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 498.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 498.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 498.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 498.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 498.75 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 292.5 633.75 m 360.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 633.75 m 402.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 633.75 m 457.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 633.75 m 520.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 633.75 m 576.5 633.75 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 292.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 601.75 m 360.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 601.75 m 402.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 601.75 m 457.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 601.75 m 520.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 601.75 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 292.5 498.75 m 360.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 498.75 m 402.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 498.75 m 457.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 498.75 m 520.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 498.75 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 36.5 498.75 m 292.5 498.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 484.75 m 292.5 484.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 498.75 m 360.5 498.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 484.75 m 360.5 484.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 498.75 m 402.5 498.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 484.75 m 402.5 484.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 498.75 m 457.5 498.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 484.75 m 457.5 484.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 498.75 m 520.5 498.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 484.75 m 520.5 484.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 498.75 m 576.5 498.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 484.75 m 576.5 484.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.35 638.20 Td (At and for) Tj ET Q q 0 0 0 rg BT 390.19 638.20 Td ( the year) Tj ET Q q 0 0 0 rg BT 423.51 638.20 Td ( ended December) Tj ET Q q 0 0 0 rg BT 489.83 638.20 Td ( 31, 2018) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 606.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.50 615.20 Td (Recorded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.15 606.20 Td (investment) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 340.14 610.28 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.70 624.20 Td (Unpaid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.45 615.20 Td (principal ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.20 606.20 Td (balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.75 624.20 Td (Related) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.25 615.20 Td (specific ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.05 606.20 Td (allowance) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 445.05 610.28 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.80 624.20 Td (A) Tj ET Q q 0 0 0 rg BT 478.63 624.20 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 615.20 Td (carrying ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.80 606.20 Td (value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 495.30 610.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.05 624.20 Td (Inter) Tj ET Q q 0 0 0 rg BT 552.38 624.20 Td (est ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 615.20 Td (income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.90 606.20 Td (r) Tj ET Q q 0 0 0 rg BT 527.73 606.20 Td (ecognized) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 565.22 610.28 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 592.21 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.00 592.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 592.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 592.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.00 592.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 576.21 Td (Residential first mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.00 576.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.75 576.20 Td (2,130) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 576.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.75 576.20 Td (2,329) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 576.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.50 576.20 Td (178) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 576.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 576.20 Td (2,483) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 576.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 576.20 Td (81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 562.21 Td (Home equity loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 562.20 Td (684) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.50 562.20 Td (946) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.50 562.20 Td (122) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 562.20 Td (698) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 562.20 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 548.21 Td (Credit cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.75 548.20 Td (1,818) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.75 548.20 Td (1,842) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.50 548.20 Td (677) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 548.20 Td (1,815) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 548.20 Td (105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 534.21 Td (Installment and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.00 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.00 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 517.21 Td (Individual installment and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 517.20 Td (400) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.50 517.20 Td (434) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.50 517.20 Td (146) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 517.20 Td (414) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 517.20 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 503.21 Td (Commercial banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 503.20 Td (252) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.50 503.20 Td (432) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 503.20 Td (55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 503.20 Td (286) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 503.20 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 489.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 489.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.00 489.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.75 489.20 Td (5,284) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 489.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.75 489.20 Td (5,983) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 489.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 489.20 Td (1,178) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 489.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 489.20 Td (5,696) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 489.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 489.20 Td (234) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 467.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 467.65 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 54.00 458.05 Td (only on credit card loans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 448.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 448.45 Td ($484 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 95.11 448.45 Td ( of residential first mortgages, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.31 448.45 Td ($263 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 234.42 448.45 Td ( of home equity loans and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.29 448.45 Td ($2 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.41 448.45 Td ( of commercial banking loans do not have a specific allowance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 438.85 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 438.85 Td (Included in the ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 103.98 438.85 Td (Allowance for loan losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 186.43 438.85 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 429.25 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 429.25 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 429.25 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 357.04 429.25 Td (four) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.37 429.25 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 36.00 419.65 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 419.65 Td (Includes amounts recognized on both an accrual and cash basis.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 336.95 254.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 336.95 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 336.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 336.95 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 336.95 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 336.95 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 308.95 254.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 308.95 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 308.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 308.95 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 308.95 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 308.95 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 280.95 254.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 280.95 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 280.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 280.95 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 280.95 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 280.95 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 252.95 254.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 252.95 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 252.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 252.95 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 252.95 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 252.95 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 290.5 375.95000000000005 m 358.5 375.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 375.95000000000005 m 400.5 375.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 375.95000000000005 m 455.5 375.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 375.95000000000005 m 515.5 375.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 375.95000000000005 m 575.5 375.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 336.95000000000005 m 290.5 336.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 375.95000000000005 m 358.5 375.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 336.95000000000005 m 358.5 336.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 336.95000000000005 m 400.5 336.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 375.95000000000005 m 455.5 375.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 336.95000000000005 m 455.5 336.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 336.95000000000005 m 515.5 336.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 375.95000000000005 m 575.5 375.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 336.95000000000005 m 575.5 336.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 238.95000000000005 m 290.5 238.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 238.95000000000005 m 358.5 238.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 238.95000000000005 m 400.5 238.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 238.95000000000005 m 455.5 238.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 238.95000000000005 m 515.5 238.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 238.95000000000005 m 575.5 238.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 238.95000000000005 m 290.5 238.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 224.95000000000005 m 290.5 224.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 238.95000000000005 m 358.5 238.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 224.95000000000005 m 358.5 224.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 238.95000000000005 m 400.5 238.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 224.95000000000005 m 400.5 224.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 238.95000000000005 m 455.5 238.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 224.95000000000005 m 455.5 224.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 238.95000000000005 m 515.5 238.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 224.95000000000005 m 515.5 224.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 238.95000000000005 m 575.5 238.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 224.95000000000005 m 575.5 224.95000000000005 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 380.40 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.15 380.41 Td (At and for the year ended December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 341.20 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.75 350.41 Td (Recorded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.40 341.41 Td (investment) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 336.89 345.49 Td (\(1\)\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 359.41 Td (Unpaid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 350.41 Td (principal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 341.41 Td (balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.75 359.41 Td (Related) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 350.41 Td (specific ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.85 341.41 Td (allowance) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 442.33 345.49 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.05 359.41 Td (A) Tj ET Q q 0 0 0 rg BT 475.88 359.41 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.00 350.41 Td (carrying) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.80 341.41 Td (value) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 491.29 345.49 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 359.41 Td (Interest ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 350.41 Td (income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.40 341.41 Td (recognized) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 557.88 345.49 Td (\(5\)\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 327.41 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 327.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.00 327.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 327.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 327.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 313.41 Td (Residential first mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 313.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 313.41 Td (2,877) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.00 313.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.75 313.41 Td (3,121) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 313.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 313.41 Td (278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 313.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 313.41 Td (3,155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 313.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 313.41 Td (1) Tj ET Q q 0 0 0 rg BT 563.00 313.41 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 299.41 Td (Home equity loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 299.41 Td (1,151) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.75 299.41 Td (1,590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 299.41 Td (216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 299.41 Td (1,181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 299.41 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 285.41 Td (Credit cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 285.41 Td (1,787) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.75 285.41 Td (1,819) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 285.41 Td (614) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 285.41 Td (1,803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 285.41 Td (150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 271.41 Td (Installment and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 271.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.00 271.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 271.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 257.41 Td (Individual installment and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.50 257.41 Td (431) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.50 257.41 Td (460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 257.41 Td (175) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 257.41 Td (415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 257.41 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 243.41 Td (Commercial banking) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.50 243.41 Td (334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.50 243.41 Td (541) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.00 243.41 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 243.41 Td (429) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 243.41 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 229.41 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 229.41 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 229.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 229.41 Td (6,580) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.00 229.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.75 229.41 Td (7,531) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 229.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.75 229.41 Td (1,334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 229.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 229.41 Td (6,983) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 229.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 229.41 Td (342) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 207.85 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 207.85 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 54.00 198.25 Td (only on credit card loans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 188.65 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 188.65 Td ($607 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 95.11 188.65 Td ( of residential first mortgages, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.31 188.65 Td ($370 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 234.42 188.65 Td ( of home equity loans and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.29 188.65 Td ($10 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.41 188.65 Td ( of commercial banking loans do not have a specific allowance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 179.05 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 179.05 Td (Included in the ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 103.98 179.05 Td (Allowance for loan losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 186.43 179.05 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 169.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 169.45 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 169.45 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 357.04 169.45 Td (four) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.37 169.45 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 36.00 159.85 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 159.85 Td (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 36.00 150.25 Td (\(6\) ) Tj ET Q q 0 0 0 rg BT 54.00 150.25 Td (Interest income recognized for the year ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.59 150.25 Td (December31, 2016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.46 150.25 Td ( was $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 285.90 150.25 Td (402 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 323.02 150.25 Td (.) 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 (196) 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 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 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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 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/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) Tj ET Q q 0 0 0 rg BT 328.19 710.20 Td ( the year) Tj ET Q q 0 0 0 rg BT 361.51 710.20 Td ( ended December) Tj ET Q q 0 0 0 rg BT 427.83 710.20 Td ( 31, 2018) 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 ) Tj ET Q q 0 0 0 rg BT 64.00 655.20 Td (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 (2,019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 641.20 Td (300) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.50 641.20 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 641.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 641.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 641.20 Td () 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 (1,381) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 627.20 Td (130) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.50 627.20 Td (5) 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 497.00 627.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.50 627.20 Td (1) 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 (243,253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 613.20 Td (978) 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 (18) 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 (1,320) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.00 599.20 Td (10) 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 562.50 599.20 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 585.21 Td (Commercial banking) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 120.73 589.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.00 585.20 Td (43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 585.20 Td (6) 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 (248,016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 571.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.75 571.20 Td (1,424) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 571.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.50 571.20 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 571.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 571.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 571.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 571.20 Td () 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 (2,572) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 543.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.00 543.20 Td (85) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 543.20 Td ($) 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 213.25 529.20 Td (77,823) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 529.20 Td (323) 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 (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 529.20 Td (16) 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 (30,344) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 515.20 Td (182) 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 (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 515.20 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 501.21 Td (Commercial banking) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 120.73 505.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 224.50 501.20 Td (526) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.00 501.20 Td (70) 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 (1) Tj ET Q q 0 0 0 rg BT 213.25 487.20 Td (1) Tj ET Q q 0 0 0 rg BT 217.75 487.20 Td (1,265) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 487.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 487.20 Td (660) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 487.20 Td ($) 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 (16) 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 36.50 405.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 405.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 405.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 405.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 405.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 405.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 405.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 377.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 377.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 377.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 377.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 377.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 377.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 377.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 349.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 349.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 349.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 349.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 349.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 349.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 349.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 321.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 321.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 321.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 321.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 321.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 321.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 321.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 293.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 293.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 293.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 293.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 293.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 293.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 293.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 265.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 265.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 265.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 265.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 265.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 265.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 265.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 237.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 237.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 237.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 237.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 237.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 237.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 237.75 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 174.5 446.75 m 241.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 446.75 m 308.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 446.75 m 375.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 446.75 m 442.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 446.75 m 509.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 446.75 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 36.5 405.75 m 174.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 446.75 m 241.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 405.75 m 241.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 446.75 m 308.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 405.75 m 308.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 446.75 m 375.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 405.75 m 375.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 446.75 m 442.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 405.75 m 442.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 446.75 m 509.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 405.75 m 509.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 446.75 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 509.5 405.75 m 576.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 321.75 m 241.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 321.75 m 308.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 321.75 m 375.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 321.75 m 442.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 321.75 m 509.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 321.75 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 36.5 321.75 m 174.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 307.75 m 174.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 321.75 m 241.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 307.75 m 241.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 321.75 m 308.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 307.75 m 308.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 321.75 m 375.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 307.75 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 375.5 321.75 m 442.5 321.75 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 442.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 321.75 m 509.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 307.75 m 509.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 321.75 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 509.5 307.75 m 576.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 237.75 m 241.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 237.75 m 308.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 237.75 m 375.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 237.75 m 442.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 237.75 m 509.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 237.75 m 576.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 237.75 m 174.5 237.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 223.75 m 174.5 223.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 237.75 m 241.5 237.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 223.75 m 241.5 223.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 237.75 m 308.5 237.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 223.75 m 308.5 223.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 237.75 m 375.5 237.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 223.75 m 375.5 223.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 237.75 m 442.5 237.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 223.75 m 442.5 223.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 237.75 m 509.5 237.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 223.75 m 509.5 223.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 237.75 m 576.5 237.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 223.75 m 576.5 223.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 451.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.65 451.21 Td (At and for the year ended December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 418.00 Td (In millions of dollars, except number of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 410.00 Td (loans modified) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 187.85 419.21 Td (Number of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.60 410.21 Td (loans modified) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.20 437.21 Td (Post-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.50 428.21 Td (modification) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.75 419.21 Td (recorded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.90 410.21 Td (investment) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 287.39 414.29 Td (\(1\)\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.50 419.21 Td (Deferred) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.05 410.21 Td (principal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 354.04 414.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 428.21 Td (Contingent) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.50 419.21 Td (principal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.40 410.21 Td (for) Tj ET Q q 0 0 0 rg BT 394.73 410.21 Td (giveness) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 425.73 414.29 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.25 419.21 Td (Principal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.40 410.21 Td (for) Tj ET Q q 0 0 0 rg BT 461.73 410.21 Td (giveness) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 492.73 414.29 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.55 428.21 Td (A) Tj ET Q q 0 0 0 rg BT 533.38 428.21 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.35 419.21 Td (interestrate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.50 410.21 Td (reduction) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 396.20 Td (North ) Tj ET Q q 0 0 0 rg BT 64.00 396.20 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 396.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 396.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 396.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 396.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 396.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 396.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 382.21 Td (Residential first mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 382.21 Td (4,063) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 382.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 382.21 Td (580) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 382.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 382.21 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 382.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 382.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 382.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 382.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 382.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 382.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 368.21 Td (Home equity loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 368.21 Td (2,807) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 368.21 Td (247) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 368.21 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 368.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 368.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 368.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 354.21 Td (Credit cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.75 354.21 Td (230,042) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 354.21 Td (880) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 354.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 354.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 354.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 354.21 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 340.21 Td (Installment and other revolving) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 340.21 Td (1,088) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.50 340.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 340.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 340.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 340.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 340.21 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 326.21 Td (Commercial banking) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 120.73 330.29 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.50 326.21 Td (1) Tj ET Q q 0 0 0 rg BT 229.00 326.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 326.21 Td (1) Tj ET Q q 0 0 0 rg BT 296.00 326.21 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 326.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 326.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 326.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 326.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 312.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 312.20 Td (otal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 58.67 316.28 Td (\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.75 312.21 Td (238,1) Tj ET Q q 0 0 0 rg BT 229.00 312.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 312.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.75 312.21 Td (1,832) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 312.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 312.21 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 312.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 312.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 312.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 312.21 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 298.20 Td (International) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 298.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 298.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 298.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 298.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 298.21 Td () 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 45.00 284.21 Td (Residential first mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 284.21 Td (4,477) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 284.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 284.21 Td (123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 284.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 284.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 284.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 284.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 284.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 284.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 284.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 284.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 270.21 Td (Credit cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.75 270.21 Td (1) Tj ET Q q 0 0 0 rg BT 213.25 270.21 Td (15,941) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 270.21 Td (399) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 270.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 270.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 270.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 270.21 Td (1) Tj ET Q q 0 0 0 rg BT 564.00 270.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 256.21 Td (Installment and other revolving) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.25 256.21 Td (44,880) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 256.21 Td (254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 256.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 256.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 256.21 Td (1) Tj ET Q q 0 0 0 rg BT 501.50 256.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 256.21 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 242.21 Td (Commercial banking) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 120.73 246.29 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.50 242.21 Td (370) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.00 242.21 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 242.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 242.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 242.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 242.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 228.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 228.20 Td (otal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 58.67 232.28 Td (\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.75 228.21 Td (165,668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 228.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 228.21 Td (826) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 228.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 228.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 228.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 228.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 228.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 228.21 Td (18) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 205.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 205.05 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 36.00 195.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 195.45 Td (Post-modification balances in) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 149.09 195.45 Td ( North ) Tj ET Q q 0 0 0 rg BT 171.62 195.45 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 198.72 195.45 Td ( include $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 230.27 195.45 Td (38 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.38 195.45 Td ( of residential first mortgages and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 377.13 195.45 Td (12 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 410.24 195.45 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 54.00 185.85 Td (through Chapter7 bankruptcy in the year ended December 31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 255.93 185.85 Td (2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 271.93 185.85 Td (. ) Tj ET Q q 0 0 0 rg BT 275.79 185.85 Td (These amounts include $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.54 185.85 Td (27 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.66 185.85 Td ( of residential first mortgages and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 502.40 185.85 Td (10 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.52 185.85 Td ( of home ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 176.25 Td (equity loans that were newly classified as ) Tj ET Q q 0 0 0 rg BT 188.70 176.25 Td (TDRs during 2018, based on previously received OCC guidance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 166.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 166.65 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 396.13 166.65 Td (. Such deferred principal is char) Tj ET Q q 0 0 0 rg BT 498.16 166.65 Td (ged of) Tj ET Q q 0 0 0 rg BT 518.23 166.65 Td (f at the time of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 157.05 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 36.00 147.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 147.45 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 487.27 147.45 Td (giveness.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 137.85 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 137.85 Td (Represents portion of contractual loan principal that was for) Tj ET Q q 0 0 0 rg BT 246.24 137.85 Td (given at the time of permanent modification.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 128.25 Td (\(6\) ) Tj ET Q q 0 0 0 rg BT 54.00 128.25 Td (Commercial banking loans are generally borrower) Tj ET Q q 0 0 0 rg BT 214.89 128.25 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 36.00 118.65 Td (\(7\) ) Tj ET Q q 0 0 0 rg BT 54.00 118.65 Td (Post-modification balances in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 151.09 118.65 Td (North ) Tj ET Q q 0 0 0 rg BT 171.62 118.65 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 198.72 118.65 Td ( include $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 230.27 118.65 Td (53 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.38 118.65 Td ( of residential first mortgages and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 377.13 118.65 Td (21 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 410.24 118.65 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 54.00 109.05 Td (through Chapter7 bankruptcy in the year ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 209.06 109.05 Td (December31, 2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 271.93 109.05 Td (. ) Tj ET Q q 0 0 0 rg BT 275.79 109.05 Td (These amounts include $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.54 109.05 Td (36 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.66 109.05 Td ( of residential first mortgages and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 502.40 109.05 Td (18 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.52 109.05 Td ( of home ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 99.45 Td (equity loans that were newly classified as ) Tj ET Q q 0 0 0 rg BT 188.70 99.45 Td (TDRs during 2017, based on previously received OCC guidance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 89.85 Td (\(8\) ) Tj ET Q q 0 0 0 rg BT 54.00 89.85 Td (The above tables reflect activity for loans outstanding that were considered ) Tj ET Q q 0 0 0 rg BT 296.21 89.85 Td (TDRs as of the end of the reporting period.) 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 (197) 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 banking 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 36.50 671.60 416.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 671.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 671.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 643.60 416.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 643.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 643.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 615.60 416.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 615.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 615.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 587.60 416.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 587.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 587.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 559.60 416.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 559.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 559.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 531.60 416.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 531.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 531.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 503.60 416.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 503.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 503.60 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 452.5 685.6 m 514.5 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 685.6 m 576.5 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 671.6 m 452.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 671.6 m 514.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 671.6 m 576.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 587.6 m 514.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 587.6 m 576.5 587.6 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 452.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 573.6 m 452.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 587.6 m 514.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 573.6 m 514.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 587.6 m 576.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 573.6 m 576.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 503.6 m 514.5 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 503.6 m 576.5 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 503.6 m 452.5 503.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 489.6 m 452.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 503.6 m 514.5 503.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 489.6 m 514.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 503.6 m 576.5 503.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 489.6 m 576.5 489.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.30 690.05 Td (Y) Tj ET Q q 0 0 0 rg BT 469.30 690.05 Td (ears ended December) Tj ET Q q 0 0 0 rg BT 551.19 690.05 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 675.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 676.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.00 676.06 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 662.05 Td (North ) Tj ET Q q 0 0 0 rg BT 64.00 662.05 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 662.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 662.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 648.06 Td (Residential first mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 648.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 648.05 Td (136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 648.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 648.06 Td (253) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 634.06 Td (Home equity loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 634.05 Td (23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 634.06 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 620.06 Td (Credit cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 620.05 Td (241) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 620.06 Td (221) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 606.06 Td (Installment and other revolving) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.50 606.05 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 606.06 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 592.06 Td (Commercial banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 592.05 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 592.06 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 578.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 578.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 578.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 578.05 Td (425) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 578.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 578.06 Td (524) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 564.05 Td (International) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 564.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 564.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 550.06 Td (Residential first mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 550.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.50 550.05 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 550.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 550.06 Td (1) Tj ET Q q 0 0 0 rg BT 568.50 550.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 536.06 Td (Credit cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 536.05 Td (198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 536.06 Td (185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 522.06 Td (Installment and other revolving) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 522.05 Td (80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 522.06 Td (96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 508.06 Td (Commercial banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 508.05 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 508.06 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 494.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 494.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 494.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 494.05 Td (304) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 494.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 494.06 Td (293) Tj ET Q BT /F1 10.00 Tf ET 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 (198) 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 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 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 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 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) Tj ET Q q 0 0 0 rg BT 196.11 686.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.50 677.20 Td (2018) 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 (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 663.21 Td (In U.S.of) Tj ET Q q 0 0 0 rg BT 74.42 663.21 Td (fices) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.25 649.20 Td (52,063) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 649.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 649.21 Td (51,319) 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 (48,447) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 635.21 Td (39,128) 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 (50,124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 621.21 Td (44,683) 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 (33,247) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 598.21 Td (33,181) 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 (1,429) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 584.21 Td (1,470) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 570.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 570.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.00 570.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 182.75 570.20 Td (185,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 570.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 570.21 Td (169,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 556.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.16 556.21 Td (fices 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.25 542.20 Td (94,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 542.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 542.21 Td (93,750) 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 (36,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 528.21 Td (35,273) 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 (7,376) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 514.21 Td (7,309) 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 (25,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 492.21 Td (22,638) 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 (103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 478.21 Td (190) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 464.21 Td (Governments and of) Tj ET Q q 0 0 0 rg BT 118.32 464.21 Td (ficial) 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 (4,520) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 455.21 Td (5,200) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 441.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 441.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.00 441.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 182.75 441.20 Td (169,221) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 441.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 441.21 Td (164,360) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 427.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 427.20 Td (otal corporate loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.00 427.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 182.75 427.20 Td (354,531) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 427.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 427.21 Td (334,141) 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 155.00 413.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.50 413.20 Td (\(822) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 413.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 413.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 413.21 Td (\(763) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 413.21 Td (\)) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 182.75 390.20 Td (353,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 390.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 390.21 Td (333,378) 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 ($1.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.36 730.10 Td ( of corporate loans during each of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.53 730.10 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.63 730.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 718.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.63 718.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.21 718.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.65 718.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 718.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 514.31 718.10 Td (. ) Tj ET Q q 0 0 0 rg BT 519.13 718.10 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, 2018) 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 (2017) 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. Corporate loans are identified as impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 622.10 Td (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 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 (199) 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, 2018) 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 508.5 671.75 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 508.5 657.75 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 508.5 643.75 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 36.5 615.75 m 200.5 615.75 l s 0 0 0 RG /GS0 gs 2.00 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 200.5 615.75 m 266.5 615.75 l s 0 0 0 RG /GS0 gs 2.00 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 266.5 615.75 m 324.5 615.75 l s 0 0 0 RG /GS0 gs 2.00 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 324.5 615.75 m 389.5 615.75 l s 0 0 0 RG /GS0 gs 2.00 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 389.5 615.75 m 453.5 615.75 l s 0 0 0 RG /GS0 gs 2.00 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 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 453.5 615.75 m 508.5 615.75 l s 0 0 0 RG /GS0 gs 2.00 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 562.5 615.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 601.75 m 562.5 601.75 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 4.94 0 0 9.04 277.00 720.26 cm /I48 Do Q q 0 0 0 rg BT 281.94 722.20 Td (90days) Tj ET 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 521.55 704.20 Td (loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 541.56 708.28 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 249.50 690.20 Td (365) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 690.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.00 690.20 Td (42) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 690.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.50 690.20 Td (407) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 690.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 690.20 Td (919) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 690.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.75 690.20 Td (143,960) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.00 690.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 690.20 Td (145,286) 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 (87) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 676.20 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.00 676.20 Td (94) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 676.20 Td (102) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.25 676.20 Td (83,672) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 676.20 Td (83,868) 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 (128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 662.20 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.50 662.20 Td (133) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 662.20 Td (215) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.25 662.20 Td (57,1) Tj ET Q q 0 0 0 rg BT 496.00 662.20 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 662.20 Td (57,464) 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 258.50 648.20 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.00 648.20 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.00 648.20 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 648.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.75 648.20 Td (1,516) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 648.20 Td (1,531) 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 249.50 634.20 Td (151) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.00 634.20 Td (52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.50 634.20 Td (203) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 634.20 Td (75) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.25 634.20 Td (62,079) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 634.20 Td (62,357) 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 /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 620.20 Td (3,203) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 606.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 606.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 249.50 606.20 Td (736) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.50 606.20 Td (1) Tj ET Q q 0 0 0 rg BT 312.00 606.20 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.50 606.20 Td (852) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 606.20 Td (1,31) Tj ET Q q 0 0 0 rg BT 445.50 606.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.75 606.20 Td (348,343) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 606.20 Td (353,709) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 582.25 Td (Corporate Loan Delinquency and Non-Accrual Details at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.30 582.25 Td (December31, 2017) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 539.75 158.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 539.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 539.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 539.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 539.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 539.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 539.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 511.75 158.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 511.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 511.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 511.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 511.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 511.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 511.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 483.75 158.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 483.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 483.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 483.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 483.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 483.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 483.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 455.75 158.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 455.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 455.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 455.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 455.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 455.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 455.75 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 36.5 539.75 m 194.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 539.75 m 260.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 539.75 m 321.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 539.75 m 388.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 539.75 m 450.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 571.75 m 507.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 539.75 m 507.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 539.75 m 562.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 539.75 m 260.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 539.75 m 321.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 539.75 m 388.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 539.75 m 450.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 539.75 m 507.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 539.75 m 507.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 539.75 m 562.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 525.75 m 507.5 511.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 511.75 m 507.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 511.75 m 507.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 497.75 m 507.5 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 497.75 m 507.5 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 483.75 m 507.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 483.75 m 507.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 469.75 m 507.5 455.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 455.75 m 194.5 455.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 441.75 m 194.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 455.75 m 260.5 455.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 441.75 m 260.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 455.75 m 321.5 455.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 441.75 m 321.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 455.75 m 388.5 455.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 441.75 m 388.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 455.75 m 450.5 455.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 441.75 m 450.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 455.75 m 507.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 455.75 m 507.5 455.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 441.75 m 507.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 455.75 m 562.5 455.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 441.75 m 562.5 441.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 544.00 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.35 562.21 Td (3089days) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.10 553.21 Td (pastdue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.45 544.21 Td (andaccruing) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 246.68 548.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET /GS0 gs q 4.94 0 0 9.18 273.00 560.27 cm /I49 Do Q q 0 0 0 rg BT 277.94 562.21 Td (90days) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.00 553.21 Td (pastdueand) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.55 544.21 Td (accruing) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 302.53 548.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.30 553.21 Td (T) Tj ET Q q 0 0 0 rg BT 334.17 553.21 Td (otalpastdue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.35 544.21 Td (andaccruing) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.80 553.21 Td (T) Tj ET Q q 0 0 0 rg BT 414.67 553.21 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.35 544.21 Td (non-accrual) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 436.82 548.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.30 553.21 Td (T) Tj ET Q q 0 0 0 rg BT 474.17 553.21 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.30 544.21 Td (current) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 487.78 548.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.30 553.21 Td (T) Tj ET Q q 0 0 0 rg BT 530.17 553.21 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.55 544.21 Td (loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 540.55 548.29 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 530.21 Td (Commercial and industrial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 197.00 530.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 243.50 530.21 Td (249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 530.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 530.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 530.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.50 530.21 Td (262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 530.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.75 530.21 Td (1,506) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 530.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.75 530.21 Td (139,554) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 530.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 530.21 Td (141,322) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 516.21 Td (Financial institutions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 516.21 Td (93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 516.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.50 516.21 Td (108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 516.21 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.25 516.21 Td (73,557) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 516.21 Td (73,757) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 502.21 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 243.50 502.21 Td (147) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 502.21 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.50 502.21 Td (206) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 502.21 Td (195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.25 502.21 Td (51,563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 502.21 Td (51,964) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 488.21 Td (Leases) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 488.21 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.50 488.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.00 488.21 Td (76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 488.21 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 488.21 Td (1,533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 488.21 Td (1,655) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 474.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 474.21 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 474.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.00 474.21 Td (83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 474.21 Td (103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.25 474.21 Td (60,145) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 474.21 Td (60,331) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 460.21 Td (Loans at fair value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 460.21 Td (4,349) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 446.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 446.21 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 197.00 446.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 243.50 446.21 Td (627) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 446.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.50 446.21 Td (108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 446.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.50 446.21 Td (735) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 446.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.75 446.21 Td (1,942) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 446.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.75 446.21 Td (326,352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 446.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 446.21 Td (333,378) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 424.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 424.65 Td (Corporate loans that are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 132.64 424.65 Td (90) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.64 424.65 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 54.00 415.05 Td (contractually due but unpaid.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 405.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 405.45 Td (Non-accrual ) Tj ET Q q 0 0 0 rg BT 95.53 405.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 114.42 405.45 Td (generally ) Tj ET Q q 0 0 0 rg BT 146.18 405.45 Td (include ) Tj ET Q q 0 0 0 rg BT 171.73 405.45 Td (those ) Tj ET Q q 0 0 0 rg BT 190.61 405.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 209.50 405.45 Td (that ) Tj ET Q q 0 0 0 rg BT 223.50 405.45 Td (are ) Tj ET Q /GS0 gs q 4.39 0 0 8.27 235.26 403.72 cm /I50 Do Q q 0 0 0 rg BT 239.65 405.45 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 241.65 405.45 Td (90) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.65 405.45 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 54.00 395.85 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 36.00 386.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 386.25 Td (Loans less than ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.32 386.25 Td (30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 113.32 386.25 Td (days past due are presented as current.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 376.65 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 376.65 Td (T) Tj ET Q q 0 0 0 rg BT 58.33 376.65 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 54.00 355.05 Td (Citigroup has a risk management process to monitor) Tj ET Q q 0 0 0 rg BT 262.73 355.05 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 343.05 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 36.00 331.05 Td (corporate loan portfolio. ) Tj ET Q q 0 0 0 rg BT 135.41 331.05 Td (As part of its risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 319.05 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 36.00 307.05 Td (loan facilities based on quantitative and qualitative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 295.05 Td (assessments of the obligor and facility) Tj ET Q q 0 0 0 rg BT 188.37 295.05 Td (. ) Tj ET Q q 0 0 0 rg BT 193.19 295.05 Td (These risk ratings are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 283.05 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 36.00 271.05 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 36.00 259.05 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 36.00 247.05 Td (obligor) Tj ET Q q 0 0 0 rg BT 64.49 247.05 Td (, qualitative assessment of management and strategy) Tj ET Q q 0 0 0 rg BT 273.50 247.05 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 235.05 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 36.00 223.05 Td (collateral and guarantee arrangements, amount and type of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 211.05 Td (any contingencies associated with the obligor and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 199.05 Td (obligor) Tj ET Q q 0 0 0 rg BT 65.26 199.05 Td () Tj ET Q q 0 0 0 rg BT 68.04 199.05 Td (s industry and geography) Tj ET Q q 0 0 0 rg BT 168.20 199.05 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 187.05 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 36.00 175.05 Td (probabilities. ) Tj ET Q q 0 0 0 rg BT 90.81 175.05 Td (The facility risk ratings are defined by ranges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 163.05 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 36.00 151.05 Td (default and the loss given default. ) Tj ET Q q 0 0 0 rg BT 173.28 151.05 Td (The investment grade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 139.05 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 36.00 127.05 Td (above as defined by S&P) Tj ET Q q 0 0 0 rg BT 136.72 127.05 Td ( and Moody) Tj ET Q q 0 0 0 rg BT 187.83 127.05 Td (s. Loans classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 115.05 Td (according to the bank regulatory definitions as special ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 103.05 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 91.05 Td (within the non-investment grade categories.) 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 (200) 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 36.50 360.75 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 360.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 360.75 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 36.5 346.75 m 153.5 346.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 323.75 m 153.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 346.75 m 217.5 346.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 323.75 m 217.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 346.75 m 281.5 346.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 323.75 m 281.5 323.75 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) Tj ET Q q 0 0 0 rg BT 197.61 700.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 691.20 Td (2018) 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 (2017) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 184.75 663.20 Td (102,722) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 663.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 663.21 Td (101,313) 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 (73,080) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 649.21 Td (60,404) 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 (25,855) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 635.21 Td (23,213) 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 (1,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 621.21 Td (1,090) 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 (57,299) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 607.21 Td (56,306) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 593.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 593.20 Td (otal investment grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 593.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 184.75 593.20 Td (259,992) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 593.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 593.21 Td (242,326) 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 /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 565.21 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 551.20 Td (41,645) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 551.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 551.21 Td (38,503) 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 (10,686) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 537.21 Td (13,261) 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 (3,793) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 523.21 Td (2,881) 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 (496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 509.21 Td (518) 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 (4,981) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 495.21 Td (3,924) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 481.21 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 200.50 467.20 Td (919) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 467.21 Td (1,506) 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 (102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 453.21 Td (92) 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 (215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 439.21 Td (195) 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 () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 425.21 Td (46) 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 (75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 411.21 Td (103) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 397.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 397.20 Td (otal non-investment grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 397.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 397.20 Td (62,912) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 397.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 397.21 Td (61,029) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 383.20 Td (Non-rated private bank ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 374.20 Td (loans managed on a ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 365.20 Td (delinquency basis) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 106.77 369.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 365.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 365.20 Td (27,602) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 365.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 365.21 Td (25,674) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 351.20 Td (Loans at fair) Tj ET Q q 0 0 0 rg BT 88.42 351.20 Td ( value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 351.20 Td (3,203) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 351.21 Td (4,349) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 337.20 Td (Corporate loans, net of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 328.20 Td (unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 328.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 184.75 328.20 Td (353,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 328.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 328.21 Td (333,378) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 306.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 306.65 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 54.00 297.05 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 36.00 287.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 287.45 Td (Held-for) Tj ET Q q 0 0 0 rg BT 81.38 287.45 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 54.00 277.85 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 carrying value or collateral value, less cost to sell. Cash-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 682.10 Td (basis loans are returned to an accrual status when all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 670.10 Td (contractual principal and interest amounts are reasonably ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 658.10 Td (assured of repayment and there is a sustained period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 646.10 Td (repayment performance, generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.18 646.10 Td (six months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.79 646.10 Td (, in accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 634.10 Td (with the contractual terms of the loan.) 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 (201) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Non-Accrual Corporate Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (The following tables present non-accrual loan information by corporate loan type and interest income recognized on non-accrual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (corporate loans:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 662.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 662.75 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 662.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 662.75 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 662.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 662.75 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 634.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 634.75 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 634.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 634.75 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 634.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 634.75 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 606.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 606.75 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 606.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 606.75 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 606.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 606.75 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 578.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 578.75 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 578.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 578.75 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 578.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 578.75 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 178.5 685.75 m 257.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 685.75 m 333.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 685.75 m 411.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 685.75 m 484.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 685.75 m 562.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 662.75 m 178.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 662.75 m 257.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 662.75 m 333.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 662.75 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 484.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 662.75 m 562.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 662.75 m 484.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 648.75 m 484.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 634.75 m 484.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 620.75 m 484.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 606.75 m 484.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 592.75 m 484.5 578.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 578.75 m 178.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 564.75 m 178.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 578.75 m 257.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 564.75 m 257.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 578.75 m 333.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 564.75 m 333.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 578.75 m 411.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 564.75 m 411.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 578.75 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 411.5 578.75 m 484.5 578.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 564.75 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 484.5 578.75 m 562.5 578.75 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 562.5 564.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.35 690.20 Td (At and for) Tj ET Q q 0 0 0 rg BT 323.19 690.20 Td ( the year) Tj ET Q q 0 0 0 rg BT 356.51 690.20 Td ( ended December) Tj ET Q q 0 0 0 rg BT 422.83 690.20 Td ( 31, 2018) 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 199.00 676.20 Td (Recorded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.05 667.20 Td (investment) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 235.04 671.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.70 676.20 Td (Unpaid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.60 667.20 Td (principal balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.85 676.20 Td (Related specific) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.00 667.20 Td (allowance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.80 676.20 Td (A) Tj ET Q q 0 0 0 rg BT 437.63 676.20 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.20 667.20 Td (carrying value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 471.94 671.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.20 676.20 Td (Inter) Tj ET Q q 0 0 0 rg BT 512.53 676.20 Td (est income ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.90 667.20 Td (r) Tj ET Q q 0 0 0 rg BT 502.73 667.20 Td (ecognized) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 540.22 671.28 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 653.21 Td (Non-accrual corporate loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.00 653.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.00 653.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 653.21 Td () 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 487.00 653.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 639.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.50 639.20 Td (919) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.75 639.20 Td (1,070) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.50 639.20 Td (183) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.75 639.20 Td (1,099) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 639.20 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 625.21 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.50 625.20 Td (102) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 625.20 Td (123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 625.20 Td (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 625.20 Td (99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 625.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 611.21 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.50 611.20 Td (215) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 611.20 Td (323) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 611.20 Td (39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.50 611.20 Td (233) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.50 611.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 597.21 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 245.00 597.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 597.20 Td (28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 597.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 597.20 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 597.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 583.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 245.00 583.20 Td (75) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 583.20 Td (165) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.50 583.20 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 583.20 Td (83) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.50 583.20 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 569.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 569.20 Td (otal non-accrual corporate loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.00 569.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.75 569.20 Td (1,31) Tj ET Q q 0 0 0 rg BT 249.50 569.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.00 569.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.75 569.20 Td (1,709) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 569.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.50 569.20 Td (263) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 569.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.75 569.20 Td (1,535) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 569.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 569.20 Td (42) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 507.75 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 181.50 507.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 507.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 507.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 507.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 507.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 479.75 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 181.50 479.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 479.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 479.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 479.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 479.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 451.75 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 181.50 451.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 451.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 451.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 451.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 451.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 423.75 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 181.50 423.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 423.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 423.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 423.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 423.75 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 181.5 530.75 m 257.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 530.75 m 333.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 530.75 m 409.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 530.75 m 485.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 530.75 m 561.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 507.75 m 181.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.5 507.75 m 257.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 507.75 m 333.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 507.75 m 409.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 530.75 m 485.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 507.75 m 485.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 507.75 m 561.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 507.75 m 485.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 493.75 m 485.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 479.75 m 485.5 465.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 465.75 m 485.5 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 451.75 m 485.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 437.75 m 485.5 423.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 423.75 m 181.5 423.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 409.75 m 181.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.5 423.75 m 257.5 423.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 181.5 409.75 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 257.5 423.75 m 333.5 423.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 409.75 m 333.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 423.75 m 409.5 423.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 409.75 m 409.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 423.75 m 485.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 423.75 m 485.5 423.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 409.75 m 485.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 423.75 m 561.5 423.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 409.75 m 561.5 409.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.65 535.21 Td (At and for the year ended December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 512.00 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.75 521.21 Td (Recorded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 195.80 512.21 Td (investment) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 235.29 516.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.75 521.21 Td (Unpaid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.10 512.21 Td (principal balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.10 521.21 Td (Related specific) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 512.21 Td (allowance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.05 521.21 Td (A) Tj ET Q q 0 0 0 rg BT 437.88 521.21 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.70 512.21 Td (carrying value) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 469.42 516.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.10 521.21 Td (Interest income ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.85 512.21 Td (recognized) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 539.33 516.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 498.21 Td (Non-accrual corporate loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 498.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.00 498.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 498.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 498.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 484.21 Td (Commercial and industrial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 484.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.75 484.21 Td (1,506) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.00 484.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 484.21 Td (1,775) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 484.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.50 484.21 Td (368) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 484.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 484.21 Td (1,547) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 484.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 484.21 Td (23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 470.21 Td (Financial institutions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.00 470.21 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 470.21 Td (102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 470.21 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 470.21 Td (212) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 470.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 456.21 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.50 456.21 Td (195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 456.21 Td (324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 456.21 Td (1) Tj ET Q q 0 0 0 rg BT 401.50 456.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 456.21 Td (183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 456.21 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 442.21 Td (Lease financing) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.00 442.21 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 442.21 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 442.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 442.21 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 442.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 428.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.50 428.21 Td (103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 428.21 Td (212) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 428.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 428.21 Td (108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 428.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 414.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 414.21 Td (otal non-accrual corporate loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 414.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.75 414.21 Td (1,942) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.00 414.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 414.21 Td (2,459) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 414.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.50 414.21 Td (426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 414.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 414.21 Td (2,109) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 414.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 414.21 Td (35) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 350.75 218.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 350.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 350.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 350.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 350.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 322.75 218.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 322.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 322.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 322.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 322.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 294.75 218.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 294.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 294.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 294.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 294.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 266.75 218.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 266.75 77.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 266.75 77.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 266.75 77.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 266.75 77.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 232.75 218.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 232.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 232.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 232.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 232.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 204.75 218.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 204.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 204.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 204.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 204.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 176.75 218.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 176.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 176.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 176.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 176.75 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 254.5 373.75 m 331.5 373.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 373.75 m 408.5 373.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 373.75 m 485.5 373.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 373.75 m 562.5 373.75 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 254.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 350.75 m 331.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 350.75 m 408.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 373.75 m 408.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 350.75 m 485.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 350.75 m 562.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 350.75 m 408.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 336.75 m 408.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 322.75 m 408.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 308.75 m 408.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 294.75 m 408.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 280.75 m 408.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 266.75 m 254.5 266.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 246.75 m 254.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 266.75 m 331.5 266.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 246.75 m 331.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 266.75 m 408.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 266.75 m 408.5 266.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 246.75 m 408.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 266.75 m 485.5 266.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 246.75 m 485.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 266.75 m 562.5 266.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 246.75 m 562.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 246.75 m 408.5 232.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 232.75 m 408.5 218.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 218.75 m 408.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 204.75 m 408.5 190.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 190.75 m 408.5 176.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 176.75 m 408.5 162.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 162.75 m 254.5 162.75 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 254.5 139.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 162.75 m 331.5 162.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 139.75 m 331.5 139.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 162.75 m 408.5 139.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 162.75 m 408.5 162.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 139.75 m 408.5 139.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 162.75 m 485.5 162.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 139.75 m 485.5 139.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 162.75 m 562.5 162.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 139.75 m 562.5 139.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 378.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.70 378.20 Td (December) Tj ET Q q 0 0 0 rg BT 333.51 378.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.60 378.21 Td (December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 355.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 364.20 Td (Recorded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.05 355.20 Td (investment) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 310.04 359.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.35 364.20 Td (Related specific) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.50 355.20 Td (allowance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.25 364.21 Td (Recorded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.30 355.21 Td (investment) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 462.79 359.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.60 364.21 Td (Related specific) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 355.21 Td (allowance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 341.21 Td (Non-accrual corporate loans with valuation allowances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 341.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 341.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 341.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 341.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 327.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.00 327.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 327.20 Td (603) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.00 327.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.50 327.20 Td (183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 327.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 327.21 Td (1,017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 327.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 327.21 Td (368) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 313.21 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 313.20 Td (76) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 313.20 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 313.21 Td (88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 313.21 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 299.21 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 299.20 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 299.20 Td (39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 299.21 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 299.21 Td (1) Tj ET Q q 0 0 0 rg BT 554.50 299.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 285.21 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 285.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 285.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 285.21 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 285.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 271.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 271.20 Td (24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.50 271.20 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 271.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 271.21 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 258.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 258.15 Td (otal non-accrual corporate loans with specific) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 249.20 Td (allowance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.00 251.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 251.20 Td (803) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.00 251.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.50 251.20 Td (263) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 251.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 251.21 Td (1,215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 251.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 251.21 Td (426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 237.21 Td (Non-accrual corporate loans without specific allowance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 237.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 237.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 237.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 237.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 223.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.00 223.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 223.20 Td (316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 223.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 223.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 223.21 Td (489) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 223.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 209.21 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 209.20 Td (26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 209.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 209.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 209.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 195.21 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 195.20 Td (1) Tj ET Q q 0 0 0 rg BT 319.00 195.20 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 195.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 195.21 Td (144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 195.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 181.21 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 181.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 181.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 181.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 181.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 167.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 167.20 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 167.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 167.21 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 167.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 153.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 153.20 Td (otal non-accrual corporate loans without specific) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 144.20 Td (allowance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.00 144.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 144.20 Td (508) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.95 144.20 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 144.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 144.21 Td (727) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 144.21 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 122.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 122.65 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 36.00 113.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 113.05 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 113.05 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 36.00 103.45 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 103.45 Td (Interest income recognized for the year ended December 31, 2016 was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.90 103.45 Td ($40 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.02 103.45 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 93.85 Td (N/A) Tj ET Q q 0 0 0 rg BT 49.34 93.85 Td ( Not applicable) 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 (202) 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 36.00 730.25 Td (The following table presents corporate ) Tj ET Q q 0 0 0 rg BT 192.71 730.25 Td (TDR activity at and for the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.32 730.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 730.25 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 660.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 660.75 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 660.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 660.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 660.75 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 632.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 632.75 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 632.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 632.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 632.75 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 36.5 660.75 m 178.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 660.75 m 273.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 660.75 m 370.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 660.75 m 467.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 660.75 m 562.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 660.75 m 178.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 660.75 m 273.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 660.75 m 370.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 660.75 m 467.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 660.75 m 562.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 632.75 m 178.5 632.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 618.75 m 178.5 618.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 632.75 m 273.5 632.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 618.75 m 273.5 618.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 632.75 m 370.5 632.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 618.75 m 370.5 618.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 632.75 m 467.5 632.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 618.75 m 467.5 618.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 632.75 m 562.5 632.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 618.75 m 562.5 618.75 l s 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 191.50 683.20 Td (Carrying value of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.95 674.20 Td (TDRs modified during) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 205.85 665.20 Td (the period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.20 701.20 Td (TDRs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.35 692.20 Td (involving changes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.70 683.20 Td (in the amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.30 674.20 Td (and/or) Tj ET Q q 0 0 0 rg BT 315.64 674.20 Td ( timing of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.95 665.20 Td (principal payments) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 355.21 669.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.20 701.20 Td (TDRs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.35 692.20 Td (involving changes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.70 683.20 Td (in the amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.30 674.20 Td (and/or) Tj ET Q q 0 0 0 rg BT 412.64 674.20 Td ( timing of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.05 665.20 Td (inter) Tj ET Q q 0 0 0 rg BT 399.38 665.20 Td (est payments) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 449.13 669.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.20 710.20 Td (TDRs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.35 701.20 Td (involving changes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.70 692.20 Td (in the amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.30 683.20 Td (and/or) Tj ET Q q 0 0 0 rg BT 508.64 683.20 Td ( timing of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.70 674.20 Td (both principal and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.45 665.20 Td (inter) Tj ET Q q 0 0 0 rg BT 498.78 665.20 Td (est payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 651.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.00 651.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.50 651.20 Td (1) Tj ET Q q 0 0 0 rg BT 261.00 651.20 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 651.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 651.20 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 651.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.50 651.20 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 651.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.50 651.20 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 637.21 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 637.20 Td (60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 637.20 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 637.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 637.20 Td (57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 623.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 623.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.00 623.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.50 623.20 Td (173) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 623.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 623.20 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 623.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.50 623.20 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 623.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.50 623.20 Td (157) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 579.25 Td (The following table presents corporate ) Tj ET Q q 0 0 0 rg BT 192.71 579.25 Td (TDR activity at and for the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.32 579.25 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 579.25 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 509.75 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 181.50 509.75 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 509.75 99.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 509.75 101.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 509.75 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 481.75 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 181.50 481.75 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 481.75 99.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 481.75 101.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 481.75 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 36.5 509.75 m 181.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.5 509.75 m 267.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 509.75 m 366.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 509.75 m 467.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 509.75 m 562.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.5 509.75 m 267.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 509.75 m 366.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 509.75 m 467.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 509.75 m 562.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 467.75 m 181.5 467.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 453.75 m 181.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.5 467.75 m 267.5 467.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 181.5 453.75 m 267.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 467.75 m 366.5 467.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 453.75 m 366.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 467.75 m 467.5 467.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 453.75 m 467.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 467.75 m 562.5 467.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 453.75 m 562.5 453.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 514.00 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 192.25 532.21 Td (Carrying value of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 195.85 523.21 Td (TDRs modified) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 193.00 514.21 Td (during the period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.70 550.21 Td (TDRs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.60 541.21 Td (involving changes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 532.21 Td (in the amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.25 523.21 Td (and/or timing of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.70 514.21 Td (principal payments) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 347.43 518.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.70 550.21 Td (TDRs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.60 541.21 Td (involving changes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.75 532.21 Td (in the amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.25 523.21 Td (and/or timing of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.45 514.21 Td (interest payments) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 444.68 518.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.70 559.21 Td (TDRs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.60 550.21 Td (involving changes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 541.21 Td (in the amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 532.21 Td (and/or timing of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 523.21 Td (both principal and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.85 514.21 Td (interest payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 500.21 Td (Commercial and industrial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 500.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.50 500.21 Td (509) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.00 500.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.50 500.21 Td (131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 500.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 500.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.00 500.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 500.21 Td (371) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 486.21 Td (Financial institutions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.00 486.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.00 486.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 486.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 486.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 472.21 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.00 472.21 Td (36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.00 472.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 472.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 472.21 Td (36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 458.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 458.20 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 458.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.50 458.21 Td (560) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.00 458.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.50 458.21 Td (131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 458.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 458.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.00 458.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 458.21 Td (422) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 436.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 436.65 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 366.24 436.65 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 54.00 427.05 Td (payments. Because for) Tj ET Q q 0 0 0 rg BT 126.50 427.05 Td (giveness of principal is rare for corporate loans, modifications typically have little to no impact on the loans) Tj ET Q q 0 0 0 rg BT 473.80 427.05 Td ( projected cash flows and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 417.45 Td (thus little to no impact on the allowance established for the loans.Char) Tj ET Q q 0 0 0 rg BT 281.13 417.45 Td (ge-of) Tj ET Q q 0 0 0 rg BT 297.87 417.45 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 54.00 407.85 Td (restructuring or may have already been recorded in prior periods such that no char) Tj ET Q q 0 0 0 rg BT 316.64 407.85 Td (ge-of) Tj ET Q q 0 0 0 rg BT 333.38 407.85 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 36.00 398.25 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 398.25 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 36.00 364.65 Td (The following table presents total corporate loans modified in a ) Tj ET Q q 0 0 0 rg BT 292.41 364.65 Td (TDR as well as those ) Tj ET Q q 0 0 0 rg BT 379.72 364.65 Td (TDRs that defaulted and for which the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 352.65 Td (payment default occurred within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.73 352.65 Td (one year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.88 352.65 Td ( of a permanent modification. Default is defined as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.92 352.65 Td (60 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.75 352.65 Td ( past due, except for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 340.65 Td (classifiably managed commercial banking loans, where default is defined as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.84 340.65 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.67 340.65 Td ( past due.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 284.15 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 284.15 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 284.15 115.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 284.15 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 284.15 115.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 256.15 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 256.15 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 256.15 115.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 256.15 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 256.15 115.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 228.15 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 228.15 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 228.15 115.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 228.15 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 228.15 115.00 -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 36.5 298.15 m 153.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 298.15 m 235.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 298.15 m 350.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 298.15 m 435.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 298.15 m 550.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 298.15 m 235.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 298.15 m 350.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 298.15 m 435.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 298.15 m 550.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 228.14999999999998 m 435.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 228.14999999999998 m 550.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 228.14999999999998 m 153.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 214.14999999999998 m 153.5 214.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 228.14999999999998 m 235.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 214.14999999999998 m 235.5 214.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 228.14999999999998 m 350.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 214.14999999999998 m 350.5 214.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 228.14999999999998 m 435.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 214.14999999999998 m 435.5 214.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 228.14999999999998 m 550.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 214.14999999999998 m 550.5 214.14999999999998 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 302.40 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 161.95 311.60 Td (TDR balances at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 157.70 302.60 Td (December) Tj ET Q q 0 0 0 rg BT 196.59 302.60 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 249.10 320.60 Td (TDR loans in payment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.20 311.60 Td (default during the year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 243.55 302.60 Td (ended December) Tj ET Q q 0 0 0 rg BT 307.62 302.60 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 311.61 Td (TDR balances at) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.10 302.61 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 320.61 Td (TDR loans in payment default) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.35 311.61 Td (during the year ended) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.10 302.61 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 288.61 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 288.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.50 288.60 Td (414) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 288.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 288.60 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.00 288.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 288.61 Td (617) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 288.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 288.61 Td (72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 274.61 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.00 274.60 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 274.60 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 274.61 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 274.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 260.61 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.50 260.60 Td (123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 260.60 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 260.61 Td (101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 260.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 246.61 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.00 246.60 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 246.60 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 246.61 Td (7) 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 39.00 232.61 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 232.60 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 232.60 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 232.61 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 232.61 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 218.60 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 218.60 Td (otal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 58.67 222.68 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 218.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.50 218.60 Td (564) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 218.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 218.60 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 218.61 Td (818) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 218.61 Td (72) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 195.45 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 195.45 Td (The above tables reflect activity for loans outstanding that were considered ) Tj ET Q q 0 0 0 rg BT 296.21 195.45 Td (TDRs as of the end of the reporting period.) 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 33.60 Td (203) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (15. ) 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 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 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 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 (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.50 717.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.50 717.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 703.20 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 92.65 703.20 Td ( 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 703.20 Td (12,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 703.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 703.21 Td (12,060) 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 (12,626) 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 (\(8,665) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 689.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 689.21 Td (\(8,673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 689.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 689.21 Td (\(8,222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 689.21 Td (\)) 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 (1,552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 675.21 Td (1,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 675.21 Td (1,661) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 661.20 Td (Net cr) Tj ET Q q 0 0 0 rg BT 62.65 661.20 Td (edit 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 (\(7,1) Tj ET Q q 0 0 0 rg BT 437.00 661.20 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 661.20 Td (\)) 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 (\(7,076) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 661.21 Td (\)) 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 548.75 661.21 Td (\(6,561) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 661.21 Td (\)) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 647.20 Td (7,1) Tj ET Q q 0 0 0 rg BT 437.00 647.20 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 647.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 647.21 Td (7,076) 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 551.75 647.21 Td (6,561) 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 (394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 633.21 Td (544) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 633.21 Td (340) 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 (\(153) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 619.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 619.21 Td (\(1) Tj ET Q q 0 0 0 rg BT 500.00 619.21 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 619.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 619.21 Td (\(152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 619.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 605.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 605.20 Td (otal pr) Tj ET Q q 0 0 0 rg BT 69.84 605.20 Td (ovision for) Tj ET Q q 0 0 0 rg BT 110.43 605.20 Td ( loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 605.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 605.20 Td (7,354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 605.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 605.21 Td (7,503) 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 (6,749) 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 59.31 591.21 Td (, net \(see table below\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.50 591.20 Td (\(281) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 591.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 591.21 Td (\(132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 591.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 591.21 Td (\(754) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 591.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 577.20 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 92.65 577.20 Td ( 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 577.20 Td (12,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 577.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 577.21 Td (12,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 577.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 577.21 Td (12,060) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 563.20 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 92.65 563.20 Td ( cr) Tj ET Q q 0 0 0 rg BT 102.73 563.20 Td (edit losses on unfunded lending commitments at beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 563.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 563.20 Td (1,258) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 563.21 Td (1,418) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 563.21 Td (1,402) 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 432.50 549.20 Td (1) Tj ET Q q 0 0 0 rg BT 437.00 549.20 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 549.21 Td (\(161) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 549.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 549.21 Td (29) 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 /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 535.20 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 535.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 535.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 535.21 Td (\(13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 535.21 Td (\)) 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 (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 521.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 521.20 Td (1,367) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 521.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 521.21 Td (1,258) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 521.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 521.21 Td (1,418) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 507.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 507.20 Td (otal allowance for) Tj ET Q q 0 0 0 rg BT 112.50 507.20 Td ( loans, leases and unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 507.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 507.20 Td (13,682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 507.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 507.21 Td (13,613) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 507.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 507.21 Td (13,478) 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 (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 405.23 474.45 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.11 474.45 Td ( on the Consolidated Balance Sheet.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 418.35 350.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.00 418.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 418.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 418.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 390.35 350.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.00 390.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 390.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 390.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 362.35 350.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.00 362.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 362.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 362.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 334.35 350.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.00 334.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 334.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 334.35 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 36 418.35 m 386 418.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 418.35 m 449 418.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 418.35 m 512 418.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 418.35 m 575 418.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 418.35 m 449 418.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 418.35 m 512 418.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 418.35 m 575 418.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 376.35 m 386 376.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 376.35 m 449 376.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 376.35 m 512 376.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 376.35 m 575 376.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 334.35 m 449 334.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 334.35 m 512 334.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 334.35 m 575 334.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 334.35 m 386 334.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36 320.35 m 386 320.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 334.35 m 449 334.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 386 320.35 m 449 320.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 334.35 m 512 334.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449 320.35 m 512 320.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 334.35 m 575 334.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 512 320.35 m 575 320.35 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 436.80 Td (Other) Tj ET Q q 0 0 0 rg BT 61.08 436.80 Td (, net details) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.50 422.60 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 422.80 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 422.81 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 422.81 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 408.81 Td (Sales or transfers of various consumer loan portfolios to HFS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 394.81 Td (T) Tj ET Q q 0 0 0 rg BT 49.84 394.81 Td (ransfer of real estate loan portfolios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 394.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 394.80 Td (\(91) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.50 394.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 394.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 394.81 Td (\(106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 394.81 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 394.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 394.81 Td (\(106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 394.81 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 380.81 Td (T) Tj ET Q q 0 0 0 rg BT 49.68 380.81 Td (ransfer of other loan portfolios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.00 380.80 Td (\(1) Tj ET Q q 0 0 0 rg BT 436.50 380.80 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.50 380.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 380.81 Td (\(155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 380.81 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 380.81 Td (\(468) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 380.81 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 366.80 Td (Sales or) Tj ET Q q 0 0 0 rg BT 68.67 366.80 Td ( transfers of various consumer) Tj ET Q q 0 0 0 rg BT 185.49 366.80 Td ( loan portfolios to HFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 366.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.00 366.80 Td (\(201) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.50 366.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 366.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 366.81 Td (\(261) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 366.81 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 366.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 366.81 Td (\(574) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 366.81 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 352.81 Td (FX translation, consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 352.80 Td (\(60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.50 352.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 352.81 Td (1) Tj ET Q q 0 0 0 rg BT 499.50 352.81 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 352.81 Td (\(199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 352.81 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 338.81 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 338.80 Td (\(20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.50 338.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 338.81 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 338.81 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 324.80 Td (Other) Tj ET Q q 0 0 0 rg BT 60.67 324.80 Td (, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 324.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.00 324.80 Td (\(281) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.50 324.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 324.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 324.81 Td (\(132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 324.81 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 324.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 324.81 Td (\(754) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.50 324.81 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 409 0 obj <> endobj 410 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (204) 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 End-of-Period Loans at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.33 749.25 Td (December) Tj ET Q q 0 0 0 rg BT 325.46 749.25 Td (31, 2018) Tj ET Q BT /F2 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 724.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 724.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 724.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 724.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 696.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 696.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 696.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 696.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 668.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 668.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 668.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 668.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 640.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 640.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 640.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 640.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 612.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 612.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 612.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 612.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 584.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 584.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 584.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 584.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 556.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 556.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 556.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 556.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 528.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 528.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 528.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 528.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 500.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 500.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 500.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 500.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 472.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 472.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 472.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 472.75 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 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 724.75 m 514.5 710.75 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 514.5 710.75 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 514.5 710.75 m 514.5 696.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 710.75 m 514.5 696.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 696.75 m 514.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 696.75 m 514.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 682.75 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 514.5 654.75 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 514.5 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 654.75 m 514.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 654.75 m 514.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 640.75 m 514.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 640.75 m 514.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 626.75 m 575.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 626.75 m 392.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 612.75 m 392.5 612.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 626.75 m 453.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 612.75 m 453.5 612.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 626.75 m 514.5 612.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 626.75 m 514.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 612.75 m 514.5 612.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 626.75 m 575.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 612.75 m 575.5 612.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 612.75 m 392.5 612.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 612.75 m 453.5 612.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 612.75 m 514.5 598.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 612.75 m 514.5 612.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 612.75 m 575.5 612.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 598.75 m 514.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 584.75 m 514.5 570.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 570.75 m 514.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 556.75 m 392.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 542.75 m 392.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 556.75 m 453.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 542.75 m 453.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 556.75 m 514.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 556.75 m 514.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 542.75 m 514.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 556.75 m 575.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 542.75 m 575.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 542.75 m 514.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 528.75 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 514.5 514.75 m 514.5 500.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 500.75 m 514.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 486.75 m 514.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 472.75 m 514.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 472.75 m 392.5 472.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 458.75 m 392.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 472.75 m 453.5 472.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 458.75 m 453.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 472.75 m 514.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 472.75 m 514.5 472.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 458.75 m 514.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 472.75 m 575.5 472.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 458.75 m 575.5 458.75 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 (T) Tj ET Q q 0 0 0 rg BT 539.83 729.20 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 715.21 Td (Allowance for loan losses at beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 715.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 715.20 Td (2,486) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 715.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 715.20 Td (9,869) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 715.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 715.20 Td (12,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 701.21 Td (Char) Tj ET Q q 0 0 0 rg BT 61.41 701.21 Td (ge-of) Tj ET Q q 0 0 0 rg BT 80.24 701.21 Td (fs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 701.20 Td (\(271) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 701.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.75 701.20 Td (\(8,394) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.00 701.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.75 701.20 Td (\(8,665) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 701.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 687.21 Td (Recoveries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 687.20 Td (102) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 687.20 Td (1,450) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 687.20 Td (1,552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 673.21 Td (Replenishment of net char) Tj ET Q q 0 0 0 rg BT 138.64 673.21 Td (ge-of) Tj ET Q q 0 0 0 rg BT 157.46 673.21 Td (fs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 673.20 Td (169) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 673.20 Td (6,944) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 673.20 Td (7,1) Tj ET Q q 0 0 0 rg BT 563.00 673.20 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 659.21 Td (Net reserve builds \(releases\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 659.20 Td (56) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 659.20 Td (338) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 659.20 Td (394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 645.21 Td (Net specific reserve builds \(releases\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 645.20 Td (\(159) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 645.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.50 645.20 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.50 645.20 Td (\(153) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 645.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 631.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 631.20 Td (\(18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 631.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 631.20 Td (\(263) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.00 631.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.50 631.20 Td (\(281) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 631.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 617.20 Td (Ending balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 617.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 617.20 Td (2,365) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 617.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 617.20 Td (9,950) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 617.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 617.20 Td (12,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 603.21 Td (Allowance for loan losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 603.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 603.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 603.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 589.21 Td (Collectively evaluated in accordance with ) Tj ET Q q 0 0 0 rg BT 196.94 589.21 Td (ASC 450) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 589.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 589.20 Td (2,102) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 589.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 589.20 Td (8,770) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 589.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 589.20 Td (10,872) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 575.21 Td (Individually evaluated in accordance with ) Tj ET Q q 0 0 0 rg BT 196.94 575.21 Td (ASC 310-10-35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 575.20 Td (263) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 575.20 Td (1,178) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 575.20 Td (1,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 561.21 Td (Purchased credit impaired in accordance with ) Tj ET Q q 0 0 0 rg BT 210.18 561.21 Td (ASC 310-30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 561.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.50 561.20 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.50 561.20 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 547.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 547.20 Td (otal allowance for) Tj ET Q q 0 0 0 rg BT 111.58 547.20 Td ( loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 547.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 547.20 Td (2,365) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 547.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 547.20 Td (9,950) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 547.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 547.20 Td (12,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 533.21 Td (Loans, net of unearned income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 519.21 Td (Collectively evaluated in accordance with ) Tj ET Q q 0 0 0 rg BT 196.94 519.21 Td (ASC 450) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 519.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 519.20 Td (349,292) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 519.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.75 519.20 Td (325,055) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 519.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 519.20 Td (674,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 505.21 Td (Individually evaluated in accordance with ) Tj ET Q q 0 0 0 rg BT 196.94 505.21 Td (ASC 310-10-35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 505.20 Td (1,214) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 505.20 Td (5,284) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 505.20 Td (6,498) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 491.21 Td (Purchased credit impaired in accordance with ) Tj ET Q q 0 0 0 rg BT 210.18 491.21 Td (ASC 310-30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 491.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 491.20 Td (128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 491.20 Td (128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 477.21 Td (Held at fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 477.20 Td (3,203) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 477.20 Td (20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 477.20 Td (3,223) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 463.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 463.20 Td (otal loans, net of unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 463.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 463.20 Td (353,709) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 463.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.75 463.20 Td (330,487) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 463.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 463.20 Td (684,196) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 423.25 Td (Allowance for Credit Losses and End-of-Period Loans at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.49 423.25 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.08 423.25 Td ( ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 398.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 398.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 398.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 398.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 370.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 370.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 370.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 370.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 342.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 342.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 342.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 342.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 314.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 314.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 314.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 314.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 286.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 286.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 286.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 286.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 258.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 258.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 258.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 258.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 230.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 230.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 230.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 230.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 202.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 202.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 202.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 202.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 174.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 174.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 174.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 174.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 146.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 146.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 146.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 146.75 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 36.5 398.75 m 393.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 398.75 m 454.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 398.75 m 515.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 398.75 m 576.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 398.75 m 454.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 398.75 m 515.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 398.75 m 515.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 398.75 m 515.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 398.75 m 576.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 384.75 m 515.5 370.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 384.75 m 515.5 370.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 370.75 m 515.5 356.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 370.75 m 515.5 356.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 356.75 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 515.5 356.75 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 515.5 328.75 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 515.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 328.75 m 515.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 328.75 m 515.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 314.75 m 515.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 300.75 m 576.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 300.75 m 393.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 286.75 m 393.5 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 300.75 m 454.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 286.75 m 454.5 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 300.75 m 515.5 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 300.75 m 515.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 286.75 m 515.5 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 300.75 m 576.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 286.75 m 576.5 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 286.75 m 393.5 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 286.75 m 454.5 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 286.75 m 515.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 286.75 m 515.5 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 286.75 m 576.5 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 272.75 m 515.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 258.75 m 515.5 244.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 230.75 m 393.5 230.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 244.75 m 515.5 230.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 230.75 m 393.5 230.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 216.75 m 393.5 216.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 230.75 m 454.5 230.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 216.75 m 454.5 216.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 230.75 m 515.5 216.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 230.75 m 515.5 230.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 216.75 m 515.5 216.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 230.75 m 576.5 230.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 216.75 m 576.5 216.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 216.75 m 515.5 202.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 202.75 m 515.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 188.75 m 515.5 174.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 174.75 m 515.5 160.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 146.75 m 393.5 146.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 160.75 m 515.5 146.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 146.75 m 393.5 146.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 132.75 m 393.5 132.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 146.75 m 454.5 146.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 132.75 m 454.5 132.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 146.75 m 515.5 132.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 146.75 m 515.5 146.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 132.75 m 515.5 132.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 146.75 m 576.5 146.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 132.75 m 576.5 132.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 403.00 Td (Inmillionsofdollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.50 403.21 Td (Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.00 403.21 Td (Consumer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.30 403.21 Td (T) Tj ET Q q 0 0 0 rg BT 541.17 403.21 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 389.21 Td (Allowance for loan losses at beginning of year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 389.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 389.21 Td (2,702) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 389.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 389.21 Td (9,358) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 389.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 389.21 Td (12,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 375.21 Td (Char) Tj ET Q q 0 0 0 rg BT 62.41 375.21 Td (ge-of) Tj ET Q q 0 0 0 rg BT 81.24 375.21 Td (fs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 375.21 Td (\(491) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 375.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 375.21 Td (\(8,182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 375.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 375.21 Td (\(8,673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 375.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 361.21 Td (Recoveries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 361.21 Td (1) Tj ET Q q 0 0 0 rg BT 442.00 361.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 361.21 Td (1,485) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 361.21 Td (1,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 347.21 Td (Replenishment of net char) Tj ET Q q 0 0 0 rg BT 139.64 347.21 Td (ge-of) Tj ET Q q 0 0 0 rg BT 158.46 347.21 Td (fs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 347.21 Td (379) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 347.21 Td (6,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 347.21 Td (7,076) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 333.21 Td (Net reserve builds \(releases\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 333.21 Td (\(267) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 333.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 333.21 Td (81) Tj ET Q q 0 0 0 rg BT 507.50 333.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 333.21 Td (544) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 319.21 Td (Net specific reserve builds \(releases\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 319.21 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 319.21 Td (\(145) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 319.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 319.21 Td (\(1) Tj ET Q q 0 0 0 rg BT 564.00 319.21 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 319.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 305.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 305.21 Td (23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 305.21 Td (\(155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 305.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 305.21 Td (\(132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 305.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 291.21 Td (Ending balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 291.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 291.21 Td (2,486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 291.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 291.21 Td (9,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 291.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 291.21 Td (12,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 277.21 Td (Allowance for loan losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 277.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 277.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 277.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 263.21 Td (Collectively evaluated in accordance with ) Tj ET Q q 0 0 0 rg BT 197.94 263.21 Td (ASC 450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 263.21 Td (2,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 263.21 Td (8,531) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 263.21 Td (10,591) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 249.21 Td (Individually evaluated in accordance with ) Tj ET Q q 0 0 0 rg BT 197.94 249.21 Td (ASC 310-10-35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 249.21 Td (426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 249.21 Td (1,334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 249.21 Td (1,760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 235.21 Td (Purchased credit impaired in accordance with ) Tj ET Q q 0 0 0 rg BT 211.18 235.21 Td (ASC 310-30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 235.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 235.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 235.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 221.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 221.21 Td (otal allowance for loan losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 221.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 221.21 Td (2,486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 221.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 221.21 Td (9,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 221.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 221.21 Td (12,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 207.21 Td (Loans, net of unearned income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 193.21 Td (Collectively evaluated in accordance with ) Tj ET Q q 0 0 0 rg BT 197.94 193.21 Td (ASC 450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 193.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 193.21 Td (327,142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 193.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 193.21 Td (326,884) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 193.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 193.21 Td (654,026) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 179.21 Td (Individually evaluated in accordance with ) Tj ET Q q 0 0 0 rg BT 197.94 179.21 Td (ASC 310-10-35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 179.21 Td (1,887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 179.21 Td (6,580) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 179.21 Td (8,467) 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rg BT 533.75 677.21 Td (22,349) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 663.21 Td (Foreign exchange translation and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 663.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 663.21 Td (\(613) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 663.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 649.61 Td (Divestitures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 86.99 653.69 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 649.21 Td (\(77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 649.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 635.21 Td (Balance at December 31, 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 635.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 635.21 Td (21,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 622.01 Td (Foreign exchange translation and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 621.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.00 621.21 Td (729) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 607.21 Td (Divestitures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 86.99 611.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 607.21 Td (\(104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 607.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 593.21 Td (Impairment of goodwill ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 131.73 597.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 593.21 Td (\(28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 593.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 579.21 Td (Balance at December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 579.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 579.21 Td (22,256) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 565.21 Td (Foreign exchange translation and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 565.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.00 565.20 Td (\(194) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 565.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 551.21 Td (Divestitures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 86.99 555.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.50 551.20 Td (\(16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 551.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 537.20 Td (Balance at December) Tj ET Q q 0 0 0 rg BT 124.81 537.20 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 537.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.75 537.20 Td (22,046) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 509.25 Td (The changes in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 103.53 509.25 Td (Goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.26 509.25 Td (by segment were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 464.75 268.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.00 464.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.00 464.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 464.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 464.75 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 434.75 268.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.00 434.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.00 434.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 434.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 434.75 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 404.75 268.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.00 404.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.00 404.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 404.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 404.75 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 374.75 268.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.00 374.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.00 374.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 374.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 374.75 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 41 464.75 m 309 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 464.75 m 363 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 464.75 m 428 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 464.75 m 493 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 464.75 m 562 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 464.75 m 309 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 449.75 m 309 449.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 464.75 m 363 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 449.75 m 363 449.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 464.75 m 428 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 449.75 m 428 449.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 464.75 m 493 449.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 464.75 m 493 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 449.75 m 493 449.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 464.75 m 562 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 449.75 m 562 449.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 449.75 m 493 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 434.75 m 493 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 404.75 m 309 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 404.75 m 363 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 404.75 m 428 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 419.75 m 493 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 404.75 m 493 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 404.75 m 309 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 389.75 m 309 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 404.75 m 363 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 389.75 m 363 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 404.75 m 428 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 389.75 m 428 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 404.75 m 493 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 404.75 m 493 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 389.75 m 493 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 404.75 m 562 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 389.75 m 562 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 389.75 m 363 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 389.75 m 428 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 389.75 m 493 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 389.75 m 493 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 374.75 m 493 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 360.75 m 309 360.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 41 345.75 m 309 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 360.75 m 363 360.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 309 345.75 m 363 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 360.75 m 428 360.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 363 345.75 m 428 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 360.75 m 493 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 360.75 m 493 360.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 428 345.75 m 493 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 360.75 m 562 360.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493 345.75 m 562 345.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 43.50 469.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.45 487.20 Td (Global) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.55 478.20 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.20 469.20 Td (Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.20 478.20 Td (Institutional) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.70 469.20 Td (Clients Gr) Tj ET Q q 0 0 0 rg BT 407.86 469.20 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.75 478.20 Td (Corporate/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.55 469.20 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.15 469.20 Td (T) Tj ET Q q 0 0 0 rg BT 522.33 469.20 Td (otal) Tj ET Q BT /F1 9.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 43.50 460.45 110.70 -8.18 re f /GS0 gs q 0 0 0 rg BT 43.50 454.21 Td (Balance at December 31, 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.50 454.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 454.21 Td (12,530) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 454.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.25 454.21 Td (9,085) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 454.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 454.21 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 454.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 454.21 Td (21,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 439.21 Td (Foreign exchange translation and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.50 439.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 439.21 Td (286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 439.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 439.21 Td (443) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 439.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 439.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 439.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.00 439.21 Td (729) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 424.21 Td (Divestitures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 86.99 428.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.50 424.21 Td (\(32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.50 424.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 424.21 Td (\(72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 424.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 424.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 424.21 Td (\(104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 424.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 409.21 Td (Impairment of goodwill) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 129.48 413.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.50 409.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 409.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 409.21 Td (\(28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 409.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 409.21 Td (\(28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 409.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 43.50 400.45 110.70 -8.18 re f /GS0 gs q 0 0 0 rg BT 43.50 394.21 Td (Balance at December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.50 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 394.21 Td (12,784) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.25 394.21 Td (9,456) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 394.21 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 394.21 Td (22,256) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 379.21 Td (Foreign exchange translation and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.50 379.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.50 379.20 Td (\(41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.50 379.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.50 379.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 379.20 Td (\(153) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.50 379.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.50 379.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 379.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 379.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.00 379.20 Td (\(194) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 379.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 365.21 Td (Divestitures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 86.99 369.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.50 365.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 365.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.50 365.20 Td (\(16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 365.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.50 365.20 Td (\(16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 365.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 350.20 Td (Balance at December) Tj ET Q q 0 0 0 rg BT 124.81 350.20 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.50 350.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.75 350.20 Td (12,743) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.50 350.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.25 350.20 Td (9,303) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.50 350.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 350.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 350.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.75 350.20 Td (22,046) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 324.65 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 58.50 324.65 Td (Primarily related to the sale of the private equity services business completed in 2016 and agreements to sell ) Tj ET Q q 0 0 0 rg BT 406.85 324.65 Td (Ar) Tj ET Q q 0 0 0 rg BT 415.14 324.65 Td (gentina and Brazil consumer operations as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 315.05 Td (December 31, 2016.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 305.45 Td (\(2\) Primarily related to the sale of a fixed income analytics business and a fixed income index business completed in 2017 and agreement to sell a Mexico asset ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 295.85 Td (management business as of December 31, 2017. See Note 2 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 286.25 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 58.50 286.25 Td (Related to the transfer of the mortgage servicing business from ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 262.00 286.25 Td (North ) Tj ET Q q 0 0 0 rg BT 282.52 286.25 Td (America GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 327.63 286.25 Td ( to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 337.85 286.25 Td (Corporate/Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.07 286.25 Td ( ef) Tj ET Q q 0 0 0 rg BT 400.14 286.25 Td (fective January 1, 2017.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 276.65 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 58.50 276.65 Td (Primarily related to the sale of consumer operations in Colombia in 2018.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 245.45 Td (Goodwill impairment testing is performed at the level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 233.45 Td (below each business segment \(referred to as a reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 221.45 Td (unit\). See Note 3 for further information on business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 209.45 Td (segments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 197.45 Td (The Company performed its annual goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 185.45 Td (impairment test as of July 1, 2018. ) Tj ET Q q 0 0 0 rg BT 181.13 185.45 Td (The fair values of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 173.45 Td (Company) Tj ET Q q 0 0 0 rg BT 82.17 173.45 Td (s reporting units exceeded their carrying values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 161.45 Td (by approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.26 161.45 Td (14%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.59 161.45 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.37 161.45 Td (243%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.70 161.45 Td ( and no reporting unit is at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 149.45 Td (risk of impairment. Further) Tj ET Q q 0 0 0 rg BT 148.97 149.45 Td (, there were no triggering events ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 137.45 Td (identified and no goodwill was impaired during the year) Tj ET Q q 0 0 0 rg BT 264.89 137.45 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.50 195.05 Td ( ) Tj ET Q 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 (207) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 40.50 742.25 Td (Intangible ) Tj ET Q q 0 0 0 rg BT 86.35 742.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 730.25 Td (The components of intangible assets were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 40.50 673.75 229.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 673.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 673.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 673.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 673.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 673.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 673.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 40.50 645.75 229.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 645.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 645.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 645.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 645.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 645.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 645.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 40.50 617.75 229.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 617.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 617.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 617.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 617.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 617.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 617.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 40.50 589.75 229.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 589.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 589.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 589.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 589.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 589.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 589.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 40.50 561.75 229.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 561.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 561.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 561.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 561.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 561.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 561.75 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 269.5 705.75 m 317.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 705.75 m 377.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 705.75 m 418.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 705.75 m 467.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 705.75 m 522.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 705.75 m 561.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 40.5 673.75 m 269.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 673.75 m 317.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 673.75 m 377.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 673.75 m 418.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 673.75 m 467.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 673.75 m 522.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 673.75 m 561.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 673.75 m 317.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 673.75 m 377.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 673.75 m 418.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 673.75 m 418.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 673.75 m 467.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 673.75 m 522.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 673.75 m 561.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 659.75 m 418.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 645.75 m 418.5 631.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 631.75 m 418.5 617.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 617.75 m 418.5 603.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 603.75 m 418.5 589.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 589.75 m 418.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 40.5 575.75 m 269.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 575.75 m 317.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 575.75 m 377.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 575.75 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 377.5 575.75 m 418.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 575.75 m 467.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 575.75 m 522.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 575.75 m 561.5 575.75 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 418.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 40.5 547.75 m 269.5 547.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 40.5 533.75 m 269.5 533.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 547.75 m 317.5 547.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 533.75 m 317.5 533.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 547.75 m 377.5 547.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 533.75 m 377.5 533.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 547.75 m 418.5 533.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 547.75 m 418.5 547.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 533.75 m 418.5 533.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 547.75 m 467.5 547.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 533.75 m 467.5 533.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 547.75 m 522.5 547.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 533.75 m 522.5 533.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 547.75 m 561.5 547.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 533.75 m 561.5 533.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.00 710.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.20 710.20 Td (December) Tj ET Q q 0 0 0 rg BT 346.01 710.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.10 710.21 Td (December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 43.00 678.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.80 696.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 292.63 696.20 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.50 687.20 Td (carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.20 678.20 Td (amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 687.20 Td (Accumulated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.25 678.20 Td (amortization) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.75 696.20 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 687.20 Td (carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.70 678.20 Td (amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.95 696.21 Td (Gross) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 687.21 Td (carrying) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 678.21 Td (amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.50 687.21 Td (Accumulated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 678.21 Td (amortization) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 696.21 Td (Net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 687.21 Td (carrying) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 678.21 Td (amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.00 664.21 Td (Purchased credit card relationships) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 664.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 664.20 Td (5,733) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 664.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 664.20 Td (3,936) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.00 664.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.75 664.20 Td (1,797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 664.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.75 664.21 Td (5,375) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.00 664.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.75 664.21 Td (3,836) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 664.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 664.21 Td (1,539) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.00 650.21 Td (Credit card contract related intangibles) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 182.94 654.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 650.20 Td (5,225) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 650.20 Td (2,791) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.75 650.20 Td (2,434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.75 650.21 Td (5,045) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.75 650.21 Td (2,456) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 650.21 Td (2,589) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.00 636.21 Td (Core deposit intangibles) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 636.20 Td (419) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.50 636.20 Td (415) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.50 636.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.50 636.21 Td (639) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.50 636.21 Td (628) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 636.21 Td (1) Tj ET Q q 0 0 0 rg BT 553.50 636.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.00 622.21 Td (Other customer relationships) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 622.20 Td (470) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.50 622.20 Td (299) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.50 622.20 Td (171) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.50 622.21 Td (459) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.50 622.21 Td (272) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 622.21 Td (187) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.00 608.21 Td (Present value of future profits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 608.20 Td (32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 608.20 Td (29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.50 608.20 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 608.21 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 608.21 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 608.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.00 594.21 Td (Indefinite-lived intangible assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 594.20 Td (218) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 594.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.50 594.20 Td (218) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.50 594.21 Td (244) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 594.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 594.21 Td (244) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.00 580.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 580.20 Td (84) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 580.20 Td (75) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.50 580.20 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.50 580.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 580.21 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 580.21 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.00 566.20 Td (Intangible assets \(excluding MSRs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 566.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 566.20 Td (12,181) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 566.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 566.20 Td (7,545) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.00 566.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.75 566.20 Td (4,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 566.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.25 566.21 Td (1) Tj ET Q q 0 0 0 rg BT 443.75 566.21 Td (1,894) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.00 566.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.75 566.21 Td (7,306) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 566.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 566.21 Td (4,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.00 552.21 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 166.74 556.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 552.20 Td (584) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 552.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.50 552.20 Td (584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.50 552.21 Td (558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 552.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 552.21 Td (558) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.00 538.20 Td (T) Tj ET Q q 0 0 0 rg BT 48.18 538.20 Td (otal intangible assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 538.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 538.20 Td (12,765) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 538.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 538.20 Td (7,545) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.00 538.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.75 538.20 Td (5,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 538.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.25 538.21 Td (12,452) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.00 538.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.75 538.21 Td (7,306) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 538.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 538.21 Td (5,146) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 516.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 516.65 Td (Primarily reflects contract-related intangibles associated with the ) Tj ET Q q 0 0 0 rg BT 267.98 516.65 Td (American ) Tj ET Q q 0 0 0 rg BT 301.08 516.65 Td (Airlines, ) Tj ET Q q 0 0 0 rg BT 330.71 516.65 Td (The Home Depot, Costco, Sears and ) Tj ET Q q 0 0 0 rg BT 448.91 516.65 Td (A) Tj ET Q q 0 0 0 rg BT 453.80 516.65 Td (T&T) Tj ET Q q 0 0 0 rg BT 469.65 516.65 Td ( credit card program ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 507.05 Td (agreements, which represented ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.34 507.05 Td (97%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 174.01 507.05 Td ( of the aggregate net carrying amount as of December 31, 2018.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 497.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 497.45 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 169.60 497.45 Td (s MSRs, see Note 21 to the Consolidated Financial Statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 475.85 Td (Intangible assets amortization expense was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.17 475.85 Td ($557 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.56 475.85 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 463.85 Td ($603 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.89 463.85 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.33 463.85 Td ($595 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.72 463.85 Td ( for 2018, 2017 and 2016, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 451.85 Td (respectively) Tj ET Q q 0 0 0 rg BT 88.16 451.85 Td (. Intangible assets amortization expense is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 439.85 Td (estimated to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.54 439.85 Td ($533 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.93 439.85 Td ( in 2019, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.71 439.85 Td ($394 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.10 439.85 Td ( in 2020, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 427.85 Td ($376 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.89 427.85 Td ( in 2021, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.67 427.85 Td ($915 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.06 427.85 Td ( in 2022 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.28 427.85 Td ($214 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 415.85 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.39 415.85 Td ( in 2023.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 379.85 Td (The changes in intangible assets were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 325.35 170.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 325.35 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 325.35 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 325.35 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 325.35 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 325.35 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 297.35 170.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 297.35 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 297.35 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 297.35 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 297.35 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 297.35 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 269.35 170.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 269.35 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 269.35 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 269.35 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 269.35 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 269.35 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 241.35 170.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 241.35 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 241.35 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 241.35 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 241.35 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 241.35 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 213.35 170.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 213.35 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 213.35 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 213.35 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 213.35 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 213.35 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 41 325.35 m 211 325.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286 325.35 m 356 325.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 325.35 m 421 325.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 325.35 m 486 325.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 325.35 m 561 325.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 325.35 m 286 325.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286 325.35 m 356 325.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 325.35 m 421 325.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 325.35 m 486 325.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 325.35 m 486 311.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 325.35 m 561 325.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 311.35 m 486 297.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 297.35 m 486 283.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 283.35 m 486 269.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 269.35 m 486 255.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 255.35000000000002 m 486 241.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 241.35000000000002 m 486 227.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 227.35000000000002 m 211 227.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 227.35000000000002 m 286 227.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286 227.35000000000002 m 356 227.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 227.35000000000002 m 421 227.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 227.35000000000002 m 486 227.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 227.35000000000002 m 486 213.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 227.35000000000002 m 561 227.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 213.35000000000002 m 486 199.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 199.35000000000002 m 211 199.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 41 185.35000000000002 m 211 185.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 199.35000000000002 m 286 199.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 211 185.35000000000002 m 286 185.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286 199.35000000000002 m 356 199.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 286 185.35000000000002 m 356 185.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 199.35000000000002 m 421 199.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 356 185.35000000000002 m 421 185.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 199.35000000000002 m 486 199.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 421 185.35000000000002 m 486 185.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 199.35000000000002 m 486 185.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 199.35000000000002 m 561 199.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486 185.35000000000002 m 561 185.35000000000002 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.35 360.61 Td (Net carrying) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.10 351.61 Td (amount at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.60 360.75 Td (Net carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.35 351.75 Td (amount at) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 43.50 329.60 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.75 338.81 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 239.00 329.81 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.45 338.80 Td (Acquisitions/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.30 329.80 Td (divestitur) Tj ET Q q 0 0 0 rg BT 335.22 329.80 Td (es) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.25 329.80 Td (Amortization) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.85 338.80 Td (FX translation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.45 329.80 Td (and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.80 338.80 Td (December) Tj ET Q q 0 0 0 rg BT 535.61 338.80 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.00 329.80 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 315.81 Td (Purchased credit card relationships) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 169.21 319.89 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.50 315.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 315.81 Td (1,539) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.50 315.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 315.80 Td (429) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 315.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.00 315.80 Td (\(173) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.50 315.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.50 315.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 315.80 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 315.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.25 315.80 Td (1,797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 301.81 Td (Credit card contract-related intangibles) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 184.19 305.89 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 301.81 Td (2,589) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 301.80 Td (185) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.00 301.80 Td (\(339) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.50 301.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 301.80 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 301.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.25 301.80 Td (2,434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 287.81 Td (Core deposit intangibles) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 287.81 Td (1) Tj ET Q q 0 0 0 rg BT 278.00 287.81 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 287.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 287.80 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.50 287.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 287.80 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.00 287.80 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 273.81 Td (Other customer relationships) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 273.81 Td (187) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 273.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.50 273.80 Td (\(25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.50 273.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 273.80 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.00 273.80 Td (171) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 259.81 Td (Present value of future profits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 259.81 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 259.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 259.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 259.80 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 259.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.00 259.80 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 245.81 Td (Indefinite-lived intangible assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 245.81 Td (244) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 245.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 245.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 245.80 Td (\(26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 245.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.00 245.80 Td (218) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 231.81 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 231.81 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 231.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.50 231.80 Td (\(12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.50 231.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 231.80 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.00 231.80 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 217.80 Td (Intangible assets \(excluding MSRs\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.50 217.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 217.81 Td (4,588) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.50 217.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 217.80 Td (614) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 217.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.00 217.80 Td (\(557) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.50 217.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.50 217.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 217.80 Td (\(9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 217.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 217.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.25 217.80 Td (4,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 203.81 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 167.24 207.89 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 203.81 Td (558) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.00 203.80 Td (584) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 189.80 Td (T) Tj ET Q q 0 0 0 rg BT 48.68 189.80 Td (otal intangible assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.50 189.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 189.81 Td (5,146) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 189.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.25 189.80 Td (5,220) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 168.25 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 168.25 Td (Reflects intangibles for the value of cardholder relationships, which are discrete from partner contract intangibles and include credit card accounts primarily ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 158.65 Td (in the Costco, Macy) Tj ET Q q 0 0 0 rg BT 125.16 158.65 Td (s and Sears portfolios. ) Tj ET Q q 0 0 0 rg BT 198.11 158.65 Td (The increase since December 31, 2017 reflects the purchase of certain rights related to credit card accounts in the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 149.05 Td (Sears portfolio. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 139.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 139.45 Td (Primarily reflects contract-related intangibles associated with the ) Tj ET Q q 0 0 0 rg BT 267.98 139.45 Td (American ) Tj ET Q q 0 0 0 rg BT 301.08 139.45 Td (Airlines, Costco, ) Tj ET Q q 0 0 0 rg BT 356.93 139.45 Td (The Home Depot, Sears and ) Tj ET Q q 0 0 0 rg BT 448.91 139.45 Td (A) Tj ET Q q 0 0 0 rg BT 453.80 139.45 Td (T&T) Tj ET Q q 0 0 0 rg BT 469.65 139.45 Td ( credit card program ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 129.85 Td (agreements, which represent ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 151.79 129.85 Td (97%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 166.46 129.85 Td ( of the aggregate net carrying amount as of December 31, 2018.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 120.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 120.25 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 169.60 120.25 Td (s MSRs, including the rollforward from 2017 to 2018, see Note ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.69 120.25 Td (21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 382.69 120.25 Td ( to the Consolidated Financial Statements. ) 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 (208) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (17.DEBT) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 722.25 Td (Short-T) Tj ET Q q 0 0 0 rg BT 68.97 722.25 Td (erm Borr) Tj ET Q q 0 0 0 rg BT 109.05 722.25 Td (owings) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 642.75 87.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 123.50 642.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.50 642.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 642.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 642.75 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 123.5 698.75 m 163.5 698.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.5 698.75 m 202.5 698.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 698.75 m 241.5 698.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 698.75 m 281.5 698.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 123.5 685.75 m 163.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.5 685.75 m 202.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 685.75 m 241.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 685.75 m 281.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 655.75 m 123.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 123.5 655.75 m 163.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 685.75 m 202.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.5 655.75 m 202.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 655.75 m 241.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 655.75 m 281.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 123.5 655.75 m 163.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 655.75 m 202.5 642.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.5 655.75 m 202.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 655.75 m 241.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 655.75 m 281.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 628.75 m 123.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 123.5 628.75 m 163.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 642.75 m 202.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.5 628.75 m 202.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 628.75 m 241.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 628.75 m 281.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 628.75 m 123.5 628.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 614.75 m 123.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 123.5 628.75 m 163.5 628.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 123.5 614.75 m 163.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 628.75 m 202.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.5 628.75 m 202.5 628.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 163.5 614.75 m 202.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 628.75 m 241.5 628.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 614.75 m 241.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 628.75 m 281.5 628.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 614.75 m 281.5 614.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.80 703.15 Td (December) Tj ET Q q 0 0 0 rg BT 214.69 703.15 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 153.50 690.15 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.50 690.01 Td (2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 660.00 Td (In millions of dollars) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 129.40 659.98 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 166.25 675.98 Td (W) Tj ET Q q 0 0 0 rg BT 173.81 675.98 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 169.15 667.98 Td (average) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 170.05 659.98 Td (coupon) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.60 660.00 Td (Balance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.75 676.00 Td (W) Tj ET Q q 0 0 0 rg BT 252.66 676.00 Td (eighted) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.55 668.00 Td (average) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.20 660.00 Td (coupon) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 647.15 Td (Commer) Tj ET Q q 0 0 0 rg BT 72.90 647.15 Td (cial paper) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 126.00 647.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 135.25 647.15 Td (13,238) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.25 647.15 Td (1.95) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.00 647.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.00 647.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 647.01 Td (9,940) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 647.01 Td (1.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 647.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 633.20 Td (Other) Tj ET Q q 0 0 0 rg BT 61.83 633.20 Td ( borr) Tj ET Q q 0 0 0 rg BT 81.41 633.20 Td (owings) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 107.92 637.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 135.25 633.20 Td (19,108) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.25 633.20 Td (2.99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.25 633.21 Td (34,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 633.21 Td (1.62) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 619.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 619.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 126.00 619.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 135.25 619.20 Td (32,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.00 619.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.25 619.21 Td (44,452) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 596.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 596.05 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 54.00 586.45 Td (market participants. ) Tj ET Q q 0 0 0 rg BT 119.09 586.45 Td (At ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 129.09 586.45 Td (December31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.96 586.45 Td ( and 2017, collateralized ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 576.85 Td (short-term advances from the Federal Home Loan Banks were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 255.48 576.85 Td ($9.5 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 567.25 Td (billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 74.89 567.25 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 90.44 567.25 Td ($23.8 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 131.33 567.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 173.46 567.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 543.25 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 36.00 531.25 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 36.00 519.25 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 36.00 507.25 Td (its lines of credit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 495.25 Td (Some of Citigroup) Tj ET Q q 0 0 0 rg BT 131.22 495.25 Td (s non-bank subsidiaries have credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 483.25 Td (facilities with Citigroup) Tj ET Q q 0 0 0 rg BT 134.32 483.25 Td (s subsidiary depository institutions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 471.25 Td (including Citibank. Borrowings under these facilities are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.25 Td (secured in accordance with Section 23A) Tj ET Q q 0 0 0 rg BT 196.22 459.25 Td ( of the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 447.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 70.16 447.25 Td (Act.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 435.25 Td (Citigroup Global Markets Holdings Inc. \(CGMHI\) has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 423.25 Td (borrowing agreements consisting of facilities that CGMHI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 411.25 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 36.00 399.25 Td (lending obligation exists. ) Tj ET Q q 0 0 0 rg BT 139.14 399.25 Td (These arrangements are reviewed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.25 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 36.00 375.25 Td (CGMHI) Tj ET Q q 0 0 0 rg BT 72.11 375.25 Td (s short-term requirements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.25 722.25 Td (Long-T) Tj ET Q q 0 0 0 rg BT 348.56 722.25 Td (erm Debt) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 655.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.75 655.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 655.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.75 655.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.75 655.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 627.75 71.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.75 627.75 43.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 627.75 47.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.75 627.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.75 627.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 581.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.75 581.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 581.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.75 581.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.75 581.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 553.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.75 553.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 553.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.75 553.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.75 553.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 525.75 71.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.75 525.75 43.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 525.75 47.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.75 525.75 42.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.75 525.75 42.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 489.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.75 489.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 489.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.75 489.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.75 489.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 452.75 71.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.75 452.75 43.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 452.75 47.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.75 452.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.75 452.75 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 478.75 688.75 m 520.75 688.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.75 688.75 m 562.75 688.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 655.75 m 388.75 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.75 655.75 m 431.75 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.75 655.75 m 478.75 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.75 688.75 m 520.75 688.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.75 655.75 m 520.75 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.75 688.75 m 562.75 688.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.75 655.75 m 562.75 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 655.75 m 388.75 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.75 655.75 m 431.75 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.75 655.75 m 478.75 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.75 655.75 m 520.75 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.75 655.75 m 562.75 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 503.75 m 388.75 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.75 503.75 m 431.75 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.75 503.75 m 478.75 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.75 503.75 m 520.75 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.75 503.75 m 562.75 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 503.75 m 388.75 503.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 489.75 m 388.75 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.75 503.75 m 431.75 503.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 388.75 489.75 m 431.75 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.75 503.75 m 478.75 503.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 431.75 489.75 m 478.75 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.75 503.75 m 520.75 503.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.75 489.75 m 520.75 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.75 503.75 m 562.75 503.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.75 489.75 m 562.75 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 489.75 m 388.75 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 388.75 489.75 m 431.75 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 431.75 489.75 m 478.75 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.75 489.75 m 520.75 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.75 489.75 m 562.75 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.75 429.75 m 431.75 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.75 429.75 m 478.75 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.75 429.75 m 520.75 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.75 429.75 m 562.75 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 429.75 m 388.75 429.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 415.75 m 388.75 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.75 429.75 m 431.75 429.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 388.75 415.75 m 431.75 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.75 429.75 m 478.75 429.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 431.75 415.75 m 478.75 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.75 429.75 m 520.75 429.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.75 415.75 m 520.75 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.75 429.75 m 562.75 429.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.75 415.75 m 562.75 415.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.35 702.20 Td (Balances at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.05 693.20 Td (December) Tj ET Q q 0 0 0 rg BT 532.86 693.20 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 320.25 668.00 Td (In millions of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 320.25 660.00 Td (dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.45 678.20 Td (W) Tj ET Q q 0 0 0 rg BT 399.95 678.20 Td (eighted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.75 669.20 Td (average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.30 660.20 Td (coupon) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 420.31 664.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.50 660.20 Td (Maturities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.25 660.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.25 660.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 646.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 343.08 646.20 Td (oup Inc.) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 374.59 650.28 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 632.21 Td (Senior debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 632.21 Td (3.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 632.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.25 632.21 Td (2019-2098) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 632.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.60 632.20 Td (1) Tj ET Q q 0 0 0 rg BT 492.10 632.20 Td (17,51) Tj ET Q q 0 0 0 rg BT 512.35 632.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.25 632.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 632.21 Td (123,488) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 618.21 Td (Subordinated ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 609.21 Td (debt) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 335.75 613.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 609.21 Td (4.70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.25 609.21 Td (2019-2048) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.10 609.20 Td (24,545) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.50 609.21 Td (26,963) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 595.21 Td (T) Tj ET Q q 0 0 0 rg BT 325.43 595.21 Td (rust preferred ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 586.21 Td ( securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 586.21 Td (8.44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.25 586.21 Td (2036-2067) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.65 586.20 Td (1,71) Tj ET Q q 0 0 0 rg BT 512.40 586.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 586.21 Td (1,712) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 572.20 Td (Bank) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 340.76 576.28 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 558.21 Td (Senior debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 558.21 Td (2.71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.25 558.21 Td (2019-2038) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.10 558.20 Td (61,237) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.50 558.21 Td (65,856) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 544.20 Td (Br) Tj ET Q q 0 0 0 rg BT 330.08 544.20 Td (oker) Tj ET Q q 0 0 0 rg BT 347.25 544.20 Td (-dealer) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 374.23 548.28 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 530.21 Td (Senior debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 530.21 Td (3.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.25 530.21 Td (2019-2067) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.10 530.20 Td (26,947) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.50 530.21 Td (18,666) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 517.01 Td (Subordinated ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 508.01 Td (debt) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 335.75 512.09 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 508.21 Td (5.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.25 508.21 Td (2021-2047) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.90 508.20 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.25 508.21 Td (24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 494.20 Td (T) Tj ET Q q 0 0 0 rg BT 325.84 494.20 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 494.21 Td (3.87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 494.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 494.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.60 494.20 Td (231,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.25 494.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 494.21 Td (236,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 480.21 Td (Senior debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 480.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.60 480.20 Td (205,695) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.25 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 480.21 Td (208,010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 466.21 Td (Subordinated ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 457.21 Td (debt) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 335.75 461.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.10 457.20 Td (24,593) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.50 457.21 Td (26,987) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 443.21 Td (T) Tj ET Q q 0 0 0 rg BT 325.43 443.21 Td (rust preferred ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 434.21 Td ( securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.65 434.20 Td (1,71) Tj ET Q q 0 0 0 rg BT 512.40 434.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 434.21 Td (1,712) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 420.20 Td (T) Tj ET Q q 0 0 0 rg BT 325.43 420.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 420.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.60 420.20 Td (231,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.25 420.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 420.21 Td (236,709) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 397.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 397.05 Td (The weighted average contractual rates exclude structured notes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 387.45 Td (accounted for at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 377.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 377.85 Td (Represents the parent holding company) Tj ET Q q 0 0 0 rg BT 461.36 377.85 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 368.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 368.25 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 335.25 358.65 Td (or subsidiaries.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 349.05 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 349.05 Td (Represents Citibank entities as well as other bank entities. ) Tj ET Q q 0 0 0 rg BT 522.77 349.05 Td (At ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 339.45 Td (December31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.12 339.45 Td ( and 2017, collateralized long-term advances from ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 329.85 Td (the Federal Home Loan Banks were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 452.54 329.85 Td ($10.5 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.43 329.85 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.98 329.85 Td ($19.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.88 329.85 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 320.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 373.38 320.25 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 310.65 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 310.65 Td (Represents broker) Tj ET Q q 0 0 0 rg BT 393.07 310.65 Td (-dealer and other non-bank subsidiaries that are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 301.05 Td (consolidated into CitigroupInc., the parent holding company) Tj ET Q q 0 0 0 rg BT 530.02 301.05 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 277.05 Td (The Company issues both fixed- and variable-rate debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 265.05 Td (in a range of currencies. It uses derivative contracts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 253.05 Td (primarily interest rate swaps, to ef) Tj ET Q q 0 0 0 rg BT 453.69 253.05 Td (fectively convert a portion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 241.05 Td (of its fixed-rate debt to variable-rate debt. ) Tj ET Q q 0 0 0 rg BT 486.44 241.05 Td (The maturity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 229.05 Td (structure of the derivatives generally corresponds to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 217.05 Td (maturity structure of the debt being hedged. In addition, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 205.05 Td (Company uses other derivative contracts to manage the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 193.05 Td (foreign exchange impact of certain debt issuances. ) Tj ET Q q 0 0 0 rg BT 521.06 193.05 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 181.05 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.83 181.05 Td (, the Company) Tj ET Q q 0 0 0 rg BT 457.22 181.05 Td (s overall weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 169.05 Td (average interest rate for long-term debt, excluding structured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 157.05 Td (notes accounted for at fair value, was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.85 157.05 Td (3.87%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.68 157.05 Td ( on a contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 145.05 Td (basis and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.69 145.05 Td (3.84%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.52 145.05 Td ( including the ef) Tj ET Q q 0 0 0 rg BT 447.60 145.05 Td (fects of derivative contracts.) 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 (209) 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 509.5 704.6 m 509.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 689.6 m 509.5 674.6 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 509.5 674.6 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 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 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 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 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 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 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 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 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 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 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 659.6 m 509.5 644.6 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 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 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 509.5 644.6 m 562.5 644.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 708.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.00 709.05 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.50 709.05 Td (2020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.50 709.05 Td (2021) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 709.05 Td (2022) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 709.05 Td (2023) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.90 709.05 Td (Ther) Tj ET Q q 0 0 0 rg BT 478.82 709.05 Td (eafter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.65 709.05 Td (T) Tj ET Q q 0 0 0 rg BT 530.83 709.05 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 694.06 Td (Citigroup Inc.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 174.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 199.25 694.06 Td (14,144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.75 694.06 Td (9,266) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.25 694.06 Td (14,758) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 694.06 Td (9,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.25 694.06 Td (14,361) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 694.06 Td (81,295) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 694.06 Td (143,768) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 679.06 Td (Bank) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 199.25 679.06 Td (18,809) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.25 679.06 Td (21,620) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.25 679.06 Td (10,877) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 679.06 Td (2,595) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 679.06 Td (2,572) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 679.06 Td (4,764) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 679.06 Td (61,237) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 664.06 Td (Broker) Tj ET Q q 0 0 0 rg BT 63.81 664.06 Td (-dealer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 664.06 Td (5,637) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.75 664.06 Td (6,417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.75 664.06 Td (2,907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 664.06 Td (1,556) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 664.06 Td (2,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 664.06 Td (8,349) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 664.06 Td (26,994) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 649.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 649.05 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 174.00 649.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 199.25 649.06 Td (38,590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 649.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.25 649.06 Td (37,303) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 649.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.25 649.06 Td (28,542) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.00 649.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 649.06 Td (14,095) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 649.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.25 649.06 Td (19,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 649.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 649.06 Td (94,408) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 649.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 649.06 Td (231,999) 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, 2018) 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 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 519.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 519.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 519.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 519.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 482.60 102.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 138.50 482.60 45.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 482.60 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 482.60 52.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 482.60 54.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 482.60 45.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 482.60 53.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 482.60 63.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 482.60 73.00 -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 383.5 573.6 m 436.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 573.6 m 499.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 573.6 m 572.5 573.6 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 338.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 532.6 m 383.5 532.6 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 436.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 532.6 m 436.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 532.6 m 499.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 532.6 m 572.5 532.6 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 338.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 519.6 m 383.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 519.6 m 436.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 519.6 m 499.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 519.6 m 572.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 460.6 m 138.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 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 1.00 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 1.00 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 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 460.6 m 338.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 460.6 m 383.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 460.6 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 499.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 460.6 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 36.5 446.6 m 138.5 446.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 446.6 m 183.5 446.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 446.6 m 232.5 446.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 446.6 m 284.5 446.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 446.6 m 338.5 446.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 446.6 m 383.5 446.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 446.6 m 436.5 446.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 446.6 m 499.5 446.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 446.6 m 572.5 446.6 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 341.00 578.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 578.05 Td (Junior) Tj ET Q q 0 0 0 rg BT 411.42 578.05 Td ( subordinated debentur) Tj ET Q q 0 0 0 rg BT 501.78 578.05 Td (es owned by trust) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 537.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.67 537.05 Td (rust) 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 295.70 546.05 Td (Coupon) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.80 537.05 Td (rate) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 315.29 541.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 564.05 Td (Common) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.30 555.05 Td (shar) Tj ET Q q 0 0 0 rg BT 365.14 555.05 Td (es) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.70 546.05 Td (issued) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.95 537.05 Td (to par) Tj ET Q q 0 0 0 rg BT 366.03 537.05 Td (ent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.70 537.05 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 537.05 Td (Maturity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 555.05 Td (Redeemable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 518.45 546.05 Td (by issuer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.45 537.05 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.50 510.06 Td (194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 510.06 Td (7.625) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.50 510.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 510.06 Td (6,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 510.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 510.06 Td (200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 510.06 Td (Dec.1, 2036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 510.06 Td (Not redeemable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 487.06 Td (Citigroup Capital XIII) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 141.45 487.06 Td (Sept. 2010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 188.50 487.06 Td (89,840,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.75 487.06 Td (2,246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.45 496.06 Td (3 mo LIBOR) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.40 487.06 Td (+ 637 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 487.06 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 487.06 Td (2,246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.00 487.06 Td (Oct.30, 2040) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 487.06 Td (Oct.30, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 465.06 Td (Citigroup Capital XVIII) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.25 465.06 Td (June 2007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.25 465.06 Td (99,901) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.50 465.06 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.45 473.86 Td (3 mo LIBOR) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.65 464.86 Td (+ 88.75 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 465.06 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 465.06 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.75 465.06 Td (June28, 2067) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.75 465.06 Td (June28, 2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 451.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 451.05 Td (otal obligated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.00 451.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 451.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.00 451.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.75 451.05 Td (2,567) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 451.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 451.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.75 451.05 Td (2,573) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 451.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.00 451.06 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 427.90 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 36.00 418.30 Td (Capital XVIII and quarterly for Citigroup Capital XIII.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 408.70 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 408.70 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 36.00 399.10 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 399.10 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 421 0 obj <> endobj 422 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (210) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (18. 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, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (constitute the U.S. Basel III rules. Citi) Tj ET Q q 0 0 0 rg BT 191.81 701.25 Td (s U.S.-insured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (depository institution subsidiaries, including Citibank, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (subject to similar standards issued by their respective primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (federal bank regulatory agencies. ) Tj ET Q q 0 0 0 rg BT 171.03 665.25 Td (These standards are used to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (evaluate capital adequacy and include the required minimums ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (shown in the following table. ) Tj ET Q q 0 0 0 rg BT 443.25 737.25 Td (The regulatory agencies are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (required by law to take specific, prompt corrective actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 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 324.00 701.25 Td (standards.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 689.25 Td () Tj ET Q q 0 0 0 rg BT 344.32 689.25 Td (The following table sets forth for Citigroup and Citibank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (the regulatory capital tiers, total risk-weighted assets, quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (adjusted average total assets, ) Tj ET Q q 0 0 0 rg BT 441.83 665.25 Td (T) Tj ET Q q 0 0 0 rg BT 447.24 665.25 Td (otal Leverage Exposure, risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (based capital ratios and leverage ratios:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 641.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 569.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 569.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 569.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 569.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 569.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 569.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 532.75 240.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 532.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 532.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 532.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 532.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 532.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 495.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 495.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 495.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 495.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 495.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 495.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 467.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 467.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 467.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 467.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 467.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 467.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 439.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 439.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 439.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 439.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 439.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 439.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 411.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 411.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 411.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 411.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 411.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 411.75 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 335.5 614.75 m 395.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 614.75 m 455.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 583.75 m 275.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 583.75 m 335.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 583.75 m 395.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 614.75 m 455.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 614.75 m 455.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 614.75 m 515.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 583.75 m 515.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 614.75 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 515.5 583.75 m 575.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 583.75 m 455.5 569.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 583.75 m 455.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 583.75 m 515.5 583.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 569.75 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 455.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 532.75 m 455.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 509.75 m 455.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 495.75 m 455.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 481.75 m 455.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 453.75 m 275.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 453.75 m 335.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 453.75 m 395.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 467.75 m 455.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 453.75 m 455.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 453.75 m 515.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 453.75 m 575.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 453.75 m 455.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 453.75 m 515.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 439.75 m 455.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 425.75 m 455.5 411.75 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 455.5 397.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 383.75 m 275.5 383.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 383.75 m 335.5 383.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 383.75 m 395.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 397.75 m 455.5 383.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 383.75 m 455.5 383.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 383.75 m 515.5 383.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 383.75 m 575.5 383.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 588.00 Td (Inmillionsofdollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.75 597.20 Td (Stated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.20 588.20 Td (minimum) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.30 619.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 399.21 619.20 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.95 619.20 Td (Citibank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.75 606.15 Td (W) Tj ET Q q 0 0 0 rg BT 363.25 606.15 Td (ell-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.25 597.15 Td (capitalized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.20 588.15 Td (minimum) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.80 597.20 Td (December) Tj ET Q q 0 0 0 rg BT 437.69 597.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 588.20 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.75 606.15 Td (W) Tj ET Q q 0 0 0 rg BT 483.25 606.15 Td (ell-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 597.15 Td (capitalized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.20 588.15 Td (minimum) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 518.80 597.20 Td (December) Tj ET Q q 0 0 0 rg BT 557.61 597.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.00 588.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 574.21 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 99.92 574.21 Td (T) Tj ET Q q 0 0 0 rg BT 105.18 574.21 Td (ier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 574.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 574.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 574.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.75 574.20 Td (139,252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 574.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 518.00 574.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.75 574.20 Td (129,217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 560.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.34 560.21 Td (ier 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 9.00 Tf ET q 0 0 0 rg BT 416.75 560.20 Td (158,122) 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 9.00 Tf ET q 0 0 0 rg BT 536.75 560.20 Td (131,341) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 546.21 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 546.21 Td (otal Capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 84.61 550.29 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.07 546.21 Td (\(T) Tj ET Q q 0 0 0 rg BT 94.25 546.21 Td (ier 1 Capital + ) Tj ET Q q 0 0 0 rg BT 148.15 546.21 Td (T) Tj ET Q q 0 0 0 rg BT 153.33 546.21 Td (ier 2 Capital\)Standardized ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 537.21 Td (Approach) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.75 537.20 Td (195,440) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.75 537.20 Td (155,280) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 523.21 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 523.21 Td (otal Capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 84.61 527.29 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.07 523.21 Td (\(T) Tj ET Q q 0 0 0 rg BT 94.25 523.21 Td (ier 1 Capital + ) Tj ET Q q 0 0 0 rg BT 148.15 523.21 Td (T) Tj ET Q q 0 0 0 rg BT 153.33 523.21 Td (ier 2 Capital\)Advanced ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 514.21 Td (Approaches) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.75 514.20 Td (183,144) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.75 514.20 Td (144,485) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 500.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 500.21 Td (otal risk-weighted assetsStandardized ) Tj ET Q q 0 0 0 rg BT 189.33 500.21 Td (Approach) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 500.20 Td (1,174,448) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.00 500.20 Td (1,030,514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 486.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 486.21 Td (otal risk-weighted assetsAdvanced ) Tj ET Q q 0 0 0 rg BT 178.83 486.21 Td (Approaches) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 486.20 Td (1,131,933) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.75 486.20 Td (927,931) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 472.21 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 176.45 476.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 472.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 472.20 Td (1,896,959) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.00 472.20 Td (1,399,029) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 458.21 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 458.21 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 128.33 462.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 458.20 Td (2,465,641) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.00 458.20 Td (1,914,817) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 444.21 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 99.84 444.21 Td (T) Tj ET Q q 0 0 0 rg BT 105.02 444.21 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 168.25 448.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.75 444.20 Td (4.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 444.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.95 444.20 Td ( N/A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 444.20 Td (1) Tj ET Q q 0 0 0 rg BT 430.25 444.20 Td (1.86) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 444.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.75 444.20 Td (6.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 444.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.75 444.20 Td (12.54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 566.00 444.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 430.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 430.21 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 106.41 434.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.75 430.20 Td (6.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.75 430.20 Td (6.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 430.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 430.20 Td (13.46) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.75 430.20 Td (8.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.75 430.20 Td (12.75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 416.21 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 416.21 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 103.35 420.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.75 416.20 Td (8.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.25 416.20 Td (10.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 416.20 Td (16.18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.25 416.20 Td (10.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.75 416.20 Td (15.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 402.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.34 402.21 Td (ier 1 Leverage ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.75 402.20 Td (4.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.95 402.20 Td (N/A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.25 402.20 Td (8.34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.75 402.20 Td (5.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.25 402.20 Td (9.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 388.21 Td (Supplementary Leverage ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.75 388.20 Td (3.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.95 388.20 Td (N/A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.25 388.20 Td (6.41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.75 388.20 Td (6.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.25 388.20 Td (6.86) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 365.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 365.05 Td (T) Tj ET Q q 0 0 0 rg BT 58.61 365.05 Td (ier 1 Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 163.45 365.05 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 355.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 355.45 Td (Supplementary Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 192.84 355.45 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 345.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 345.85 Td (As of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 73.55 345.85 Td (December31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 136.42 345.85 Td (, Citigroup) Tj ET Q q 0 0 0 rg BT 173.31 345.85 Td (s reportable Common Equity ) Tj ET Q q 0 0 0 rg BT 267.82 345.85 Td (T) Tj ET Q q 0 0 0 rg BT 272.43 345.85 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 327.38 345.85 Td (T) Tj ET Q q 0 0 0 rg BT 331.98 345.85 Td (ier 1 Capital ratios were the lower derived under the Basel III Standardized ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 336.25 Td (Approach, whereas the reportable ) Tj ET Q q 0 0 0 rg BT 163.80 336.25 Td (T) Tj ET Q q 0 0 0 rg BT 168.13 336.25 Td (otal Capital ratios were the lower derived under the Basel III ) Tj ET Q q 0 0 0 rg BT 363.84 336.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 397.83 336.25 Td (Approaches framework. Citibank) Tj ET Q q 0 0 0 rg BT 506.91 336.25 Td (s reportable ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 326.65 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 108.97 326.65 Td (T) Tj ET Q q 0 0 0 rg BT 113.57 326.65 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 156.97 326.65 Td (T) Tj ET Q q 0 0 0 rg BT 161.58 326.65 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 216.53 326.65 Td (T) Tj ET Q q 0 0 0 rg BT 220.86 326.65 Td (otal Capital ratios were the lower derived under the Basel III Standardized ) Tj ET Q q 0 0 0 rg BT 460.32 326.65 Td (Approach.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 317.05 Td (N/A) Tj ET Q q 0 0 0 rg BT 49.34 317.05 Td ( Not applicable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 295.45 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 36.00 283.45 Td (were well capitalized under the current federal bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 271.45 Td (regulatory agency definitions as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.34 271.45 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.93 271.45 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 295.45 Td (Banking SubsidiariesConstraints on Dividends) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 283.45 Td (There are various legal limitations on the ability of Citigroup) Tj ET Q q 0 0 0 rg BT 570.88 283.45 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 271.45 Td (subsidiary depository institutions to extend credit, pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 259.45 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 324.00 247.45 Td (bank subsidiaries. ) Tj ET Q q 0 0 0 rg BT 397.97 247.45 Td (The approval of the Of) Tj ET Q q 0 0 0 rg BT 489.42 247.45 Td (fice of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 235.45 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 324.00 223.45 Td (declared in any calendar year were to exceed amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 211.45 Td (specified by the agency) Tj ET Q q 0 0 0 rg BT 420.90 211.45 Td (s regulations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 199.45 Td (In determining the dividends, each subsidiary depository ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 187.45 Td (institution must also consider its ef) Tj ET Q q 0 0 0 rg BT 463.53 187.45 Td (fect on applicable risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 175.45 Td (based capital and leverage ratio requirements, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 163.45 Td (policy statements of the federal bank regulatory agencies that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 151.45 Td (indicate that banking or) Tj ET Q q 0 0 0 rg BT 418.51 151.45 Td (ganizations should generally pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 139.45 Td (dividends out of current operating earnings. Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 127.45 Td (received ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.36 127.45 Td ($8.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.48 127.45 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.91 127.45 Td ($7.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.03 127.45 Td ( in dividends from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 115.45 Td (Citibank during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.55 115.45 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.55 115.45 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.99 115.45 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.99 115.45 Td (, respectively) Tj ET Q q 0 0 0 rg BT 501.65 115.45 Td (.) 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 298.65 31.60 Td (21) 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 36.00 742.25 Td (19.CHANGES IN ) Tj ET Q q 0 0 0 rg BT 121.01 742.25 Td (ACCUMULA) Tj ET Q q 0 0 0 rg BT 179.71 742.25 Td (TED OTHER COMPREHENSIVE INCOME \(LOSS\) \(AOCI\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 722.25 Td (Changes in each component of Citigroup) Tj ET Q q 0 0 0 rg BT 202.91 722.25 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 209.30 722.25 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 312.79 722.25 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.31 722.25 Td ( were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 635.75 168.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 635.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 635.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 635.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 635.75 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 635.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 635.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 635.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 598.75 168.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 598.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 598.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 598.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 598.75 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 598.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 598.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 598.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 563.75 168.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 563.75 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 563.75 52.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 563.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 563.75 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 563.75 54.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 563.75 49.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 563.75 64.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 528.75 168.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 528.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 528.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 528.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 528.75 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 528.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 528.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 528.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 491.75 168.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 491.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 491.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 491.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 491.75 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 491.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 491.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 491.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 463.75 168.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 463.75 51.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 463.75 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 463.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 463.75 46.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 463.75 54.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 463.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 463.75 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 417.75 168.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 417.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 417.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 417.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 417.75 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 417.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 417.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 417.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 389.75 168.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 389.75 51.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 389.75 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 389.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 389.75 46.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 389.75 54.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 389.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 389.75 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 352.75 168.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 352.75 51.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 352.75 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 352.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 352.75 46.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 352.75 54.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 352.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 352.75 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 306.75 168.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 306.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 306.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 306.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 306.75 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 306.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 306.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 306.75 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 35.5 635.75 m 203.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 635.75 m 203.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 621.75 m 203.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 635.75 m 254.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 621.75 m 254.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 635.75 m 306.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 621.75 m 306.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 635.75 m 348.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 621.75 m 348.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 635.75 m 394.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 621.75 m 394.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 635.75 m 448.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 621.75 m 448.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 635.75 m 497.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 635.75 m 497.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 621.75 m 497.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 635.75 m 561.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 621.75 m 561.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 598.75 m 203.5 598.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 598.75 m 254.5 598.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 598.75 m 306.5 598.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 598.75 m 348.5 598.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 598.75 m 394.5 598.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 598.75 m 448.5 598.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 621.75 m 497.5 598.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 598.75 m 497.5 598.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 598.75 m 561.5 598.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 584.75 m 203.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 584.75 m 254.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 584.75 m 306.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 584.75 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 394.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 584.75 m 448.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 598.75 m 497.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 584.75 m 497.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 584.75 m 561.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 584.75 m 497.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 542.75 m 203.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 542.75 m 254.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 542.75 m 306.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 542.75 m 348.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 542.75 m 394.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 542.75 m 448.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 563.75 m 497.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 542.75 m 497.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 542.75 m 561.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 528.75 m 203.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 528.75 m 254.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 528.75 m 306.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 528.75 m 348.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 528.75 m 394.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 528.75 m 448.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 542.75 m 497.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 528.75 m 497.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 528.75 m 561.5 528.75 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 203.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 514.75 m 254.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 514.75 m 306.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 514.75 m 348.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 514.75 m 394.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 514.75 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 497.5 528.75 m 497.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 514.75 m 497.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 514.75 m 561.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 491.75 m 203.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 491.75 m 254.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 491.75 m 306.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 491.75 m 348.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 491.75 m 394.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 491.75 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 497.5 514.75 m 497.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 491.75 m 497.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 491.75 m 561.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 491.75 m 497.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 477.75 m 497.5 463.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 463.75 m 497.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 417.75 m 203.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 417.75 m 254.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 417.75 m 306.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 417.75 m 348.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 417.75 m 394.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 417.75 m 448.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 440.75 m 497.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 417.75 m 497.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 417.75 m 561.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 403.75 m 203.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 403.75 m 254.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 403.75 m 306.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 403.75 m 348.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 403.75 m 394.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 403.75 m 448.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 417.75 m 497.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 403.75 m 497.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 403.75 m 561.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 403.75 m 497.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 366.75 m 203.5 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 366.75 m 254.5 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 366.75 m 306.5 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 366.75 m 348.5 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 366.75 m 394.5 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 366.75 m 448.5 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 389.75 m 497.5 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 366.75 m 497.5 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 366.75 m 561.5 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 366.75 m 497.5 352.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 352.75 m 497.5 329.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 306.75 m 203.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 306.75 m 254.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 306.75 m 306.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 306.75 m 348.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 306.75 m 394.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 306.75 m 448.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 329.75 m 497.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 306.75 m 497.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 306.75 m 561.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 292.75 m 203.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 292.75 m 254.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 292.75 m 306.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 306.75 m 348.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 292.75 m 348.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 292.75 m 394.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 292.75 m 448.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 306.75 m 497.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 292.75 m 497.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 292.75 m 561.5 292.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 278.75 m 203.5 278.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 278.75 m 254.5 278.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 278.75 m 306.5 278.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 278.75 m 348.5 278.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 278.75 m 394.5 278.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 278.75 m 448.5 278.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 292.75 m 497.5 278.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 278.75 m 497.5 278.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 278.75 m 561.5 278.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 640.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.75 694.20 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.30 685.20 Td (unr) Tj ET Q q 0 0 0 rg BT 222.22 685.20 Td (ealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.45 676.20 Td (gains) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 214.75 667.20 Td (\(losses\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.70 658.20 Td (on) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.50 649.20 Td (investment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 640.20 Td (securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.75 667.20 Td (Debt ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.95 658.20 Td (valuation ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.20 649.20 Td (adjustment ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.40 640.20 Td (\(DV) Tj ET Q q 0 0 0 rg BT 279.24 640.20 Td (A\)) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 288.73 644.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.20 658.20 Td (Cash ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.75 649.20 Td (flow ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.55 640.20 Td (hedges) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 336.55 644.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 649.20 Td (Benefit ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.30 640.20 Td (plans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 377.81 644.28 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.05 685.20 Td (For) Tj ET Q q 0 0 0 rg BT 419.88 685.20 Td (eign) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.80 676.20 Td (curr) Tj ET Q q 0 0 0 rg BT 420.63 676.20 Td (ency) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.95 667.20 Td (translation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.20 658.20 Td (adjustment ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.55 649.20 Td (\(CT) Tj ET Q q 0 0 0 rg BT 415.38 649.20 Td (A\), net ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.70 640.20 Td (of hedges) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 435.45 644.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.45 676.20 Td (Excluded ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.25 667.20 Td (component ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.70 658.20 Td (of fair) Tj ET Q q 0 0 0 rg BT 484.28 658.20 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.20 649.20 Td (value ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.05 640.20 Td (hedges) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 482.05 644.28 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 667.20 Td (Accumulated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 518.80 658.20 Td (other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.30 649.20 Td (compr) Tj ET Q q 0 0 0 rg BT 525.13 649.20 Td (ehensive) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.10 640.20 Td (income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 626.21 Td (Balance, December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 626.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.50 626.21 Td (\(907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 626.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 626.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 626.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 626.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 626.21 Td (\(617) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 626.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 626.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 626.21 Td (\(5,1) Tj ET Q q 0 0 0 rg BT 382.00 626.21 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 626.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 626.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 626.21 Td (\(22,704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 626.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 626.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 626.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 626.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 626.21 Td (\(29,344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 626.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 612.21 Td (Adjustment to opening balance, net ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 603.21 Td ( of taxes) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 70.74 607.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 603.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 603.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 603.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 603.21 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 603.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 603.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 603.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 603.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 603.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 603.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 603.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 603.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 603.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 603.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 603.21 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 603.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 589.21 Td (Adjusted balance, beginning of period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 589.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.50 589.21 Td (\(907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 589.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 589.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 589.21 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 589.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 589.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 589.21 Td (\(617) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 589.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 589.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 589.21 Td (\(5,1) Tj ET Q q 0 0 0 rg BT 382.00 589.21 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 589.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 589.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 589.21 Td (\(22,704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 589.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 589.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 589.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 589.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 589.21 Td (\(29,359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 589.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 576.01 Td (Other comprehensive income before ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 567.01 Td ( reclassifications) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 568.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.50 568.21 Td (531) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 568.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 568.21 Td (\(335) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 568.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 568.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 568.21 Td (\(88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 568.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 568.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.50 568.21 Td (\(208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 568.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 568.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 568.21 Td (\(2,802) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 568.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 568.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 568.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 568.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 568.21 Td (\(2,902) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 568.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 555.01 Td (Increase \(decrease\) due to amounts ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 546.01 Td ( reclassified from ) Tj ET Q q 0 0 0 rg BT 104.98 546.01 Td (AOCI) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 126.98 550.09 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.50 547.21 Td (\(423) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 547.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.50 547.21 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 547.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.50 547.21 Td (145) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 547.21 Td (160) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 547.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 547.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 547.21 Td (\(120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 547.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 533.21 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 111.48 537.29 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 533.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.50 533.21 Td (108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 533.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 533.21 Td (\(337) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 533.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 533.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 533.21 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 533.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 533.21 Td (\(48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 533.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 533.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 533.21 Td (\(2,802) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 533.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 533.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 533.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 533.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 533.21 Td (\(3,022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 533.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 519.21 Td (Balance, December 31, 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 519.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.50 519.21 Td (\(799) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 519.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 519.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 519.21 Td (\(352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 519.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 519.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 519.21 Td (\(560) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 519.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 519.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 519.21 Td (\(5,164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 519.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 519.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 519.21 Td (\(25,506) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 519.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 519.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 519.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 519.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 519.21 Td (\(32,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 519.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 505.21 Td (Adjustment to opening balance, net ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 496.21 Td ( of taxes) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 70.74 500.29 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.50 496.21 Td (504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 496.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 496.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 496.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 496.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 496.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 496.21 Td (504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 482.21 Td (Adjusted balance, beginning of period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 482.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.50 482.21 Td (\(295) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 482.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 482.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 482.21 Td (\(352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 482.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 482.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 482.21 Td (\(560) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 482.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 482.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 482.21 Td (\(5,164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 482.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 482.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 482.21 Td (\(25,506) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 482.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 482.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 482.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 482.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 482.21 Td (\(31,877) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 482.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 468.21 Td (Impact of ) Tj ET Q q 0 0 0 rg BT 74.82 468.21 Td (T) Tj ET Q q 0 0 0 rg BT 79.69 468.21 Td (ax Reform) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 117.93 472.29 Td (\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.50 468.21 Td (\(223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 468.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 468.21 Td (\(139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 468.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 468.21 Td (\(1) Tj ET Q q 0 0 0 rg BT 336.00 468.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 468.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 468.21 Td (\(1,020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 468.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 468.21 Td (\(1,809) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 468.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 468.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 468.21 Td (\(3,304) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 468.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 454.21 Td (Other comprehensive income before) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 445.21 Td (reclassifications) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.50 445.21 Td (\(186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 445.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 445.21 Td (\(426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 445.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 445.21 Td (\(1) Tj ET Q q 0 0 0 rg BT 336.00 445.21 Td (1) Tj ET Q q 0 0 0 rg BT 340.50 445.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 445.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.50 445.21 Td (\(158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 445.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 445.21 Td (1,607) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 445.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 445.21 Td (726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 431.21 Td (Increase \(decrease\) due to amounts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 422.21 Td (reclassified from ) Tj ET Q q 0 0 0 rg BT 100.73 422.21 Td (AOCI) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.50 422.21 Td (\(454) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 422.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.50 422.21 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 422.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 422.21 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 422.21 Td (159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 422.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 422.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 422.21 Td (\(213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 422.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 408.21 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 111.48 412.29 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 408.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.50 408.21 Td (\(863) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 408.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 408.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 408.21 Td (\(569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 408.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 408.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 408.21 Td (\(138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 408.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 408.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 408.21 Td (\(1,019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 408.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 408.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 408.21 Td (\(202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 408.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 408.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 408.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 408.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 408.21 Td (\(2,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 408.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 394.21 Td (Balance at December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.75 394.21 Td (\(1,158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 394.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 394.21 Td (\(921) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 394.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 394.21 Td (\(698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 394.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 394.21 Td (\(6,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 394.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 394.21 Td (\(25,708) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 394.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 394.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 394.21 Td (\(34,668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 394.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 380.21 Td (Adjustment to opening balance, net ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 371.21 Td ( of taxes) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 70.74 375.29 Td (\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 243.50 371.21 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 371.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 371.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 371.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 371.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 371.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 371.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 371.21 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 371.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 357.21 Td (Adjusted balance, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.00 357.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.75 357.20 Td (\(1,161) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 357.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.00 357.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.50 357.20 Td (\(921) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 357.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.00 357.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 357.20 Td (\(698) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.00 357.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.00 357.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 357.20 Td (\(6,183) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 357.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 357.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.25 357.20 Td (\(25,708) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 357.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 357.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 357.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 357.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 357.20 Td (\(34,671) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 357.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 343.21 Td (Other comprehensive income before ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 334.21 Td ( reclassifications) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.50 334.20 Td (\(866) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 334.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.75 334.20 Td (1,081) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 334.20 Td (\(135) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.00 334.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.50 334.20 Td (\(240) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 334.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 334.20 Td (\(2,607) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 334.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 334.20 Td (\(57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 334.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 334.20 Td (\(2,824) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 334.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 320.21 Td (Increase \(decrease\) due to amounts ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 311.21 Td ( reclassified from ) Tj ET Q q 0 0 0 rg BT 104.98 311.21 Td (AOCI) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 126.98 315.29 Td (\(9\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.50 311.20 Td (\(223) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 311.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 311.20 Td (32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 311.20 Td (105) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.50 311.20 Td (166) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 311.20 Td (245) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 311.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.50 311.20 Td (325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 297.21 Td (Change, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.00 297.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.75 297.20 Td (\(1,089) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 297.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.00 297.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.75 297.20 Td (1,1) Tj ET Q q 0 0 0 rg BT 294.00 297.20 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.00 297.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 297.20 Td (\(30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.00 297.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.00 297.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.00 297.20 Td (\(74) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 297.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 297.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 297.20 Td (\(2,362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 297.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 297.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 297.20 Td (\(57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 297.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 297.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 297.20 Td (\(2,499) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 297.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 283.20 Td (Balance at December) Tj ET Q q 0 0 0 rg BT 119.31 283.20 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.00 283.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.75 283.20 Td (\(2,250) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 283.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.00 283.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.50 283.20 Td (192) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.00 283.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 283.20 Td (\(728) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.00 283.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.00 283.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 283.20 Td (\(6,257) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 283.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 283.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.25 283.20 Td (\(28,070) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 283.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 283.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 283.20 Td (\(57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 283.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 283.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 283.20 Td (\(37,170) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 283.20 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 261.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 261.65 Td (Changes in DV) Tj ET Q q 0 0 0 rg BT 102.30 261.65 Td (A) Tj ET Q q 0 0 0 rg BT 107.63 261.65 Td ( are reflected as a component of ) Tj ET Q q 0 0 0 rg BT 211.36 261.65 Td (AOCI, pursuant to the adoption of only the provisions of ) Tj ET Q q 0 0 0 rg BT 394.68 261.65 Td (ASU 2016-01 relating to the presentation of DV) Tj ET Q q 0 0 0 rg BT 548.06 261.65 Td (A) Tj ET Q q 0 0 0 rg BT 553.39 261.65 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 252.05 Td (on fair value option liabilities. See Note 1 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 242.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 242.45 Td (Primarily driven by Citi) Tj ET Q q 0 0 0 rg BT 132.88 242.45 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 36.00 232.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 232.85 Td (Primarily reflects adjustments based on the quarterly actuarial valuations of Citi) Tj ET Q q 0 0 0 rg BT 312.15 232.85 Td (s significant pension and postretirement plans, annual actuarial valuations of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 223.25 Td (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 36.00 213.65 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 213.65 Td (Primarily reflects the movements in \(by order of impact\) the Brazilian real, Indian rupee, Mexican peso, and ) Tj ET Q q 0 0 0 rg BT 402.32 213.65 Td (Australian dollar against the U.S. dollar and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 204.05 Td (changes in related tax ef) Tj ET Q q 0 0 0 rg BT 131.59 204.05 Td (fects and hedges for the year ended December31, 2018. Primarily reflects the movements in \(by order of impact\) the Euro, Mexican ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 194.45 Td (peso, Polish zloty and Korean won against the U.S. dollar and changes in related tax ef) Tj ET Q q 0 0 0 rg BT 332.00 194.45 Td (fects and hedges for the year ended December31, 2017. Primarily ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 184.85 Td (reflects the movements in \(by order of impact\) the Mexican peso, Euro, British pound and Indian rupee against the U.S. dollar and changes in related tax ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 175.25 Td (ef) Tj ET Q q 0 0 0 rg BT 60.07 175.25 Td (fects and hedges for the year ended December31, 2016.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 165.65 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 165.65 Td (Beginning in the first quarter of 2018, changes in the excluded component of fair value hedges are reflected as a component of ) Tj ET Q q 0 0 0 rg BT 460.75 165.65 Td (AOCI, pursuant to the early ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 156.05 Td (adoption of ) Tj ET Q q 0 0 0 rg BT 92.22 156.05 Td (ASU No. 2017-12, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 154.66 156.05 Td (T) Tj ET Q q 0 0 0 rg BT 158.38 156.05 Td (ar) Tj ET Q q 0 0 0 rg BT 165.20 156.05 Td (geted Impr) Tj ET Q q 0 0 0 rg BT 199.78 156.05 Td (ovements to ) Tj ET Q q 0 0 0 rg BT 239.62 156.05 Td (Accounting for Hedging ) Tj ET Q q 0 0 0 rg BT 318.80 156.05 Td (Activities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.56 156.05 Td (. See Note 1 of the Consolidated Financial Statements for further ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 146.45 Td (information regarding this change.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 136.85 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 136.85 Td (In the second quarter of 2017, Citi early adopted ) Tj ET Q q 0 0 0 rg BT 210.84 136.85 Td (ASU No. 2017-08) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 269.29 136.85 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.29 136.85 Td (Upon adoption, a cumulative ef) Tj ET Q q 0 0 0 rg BT 374.23 136.85 Td (fect adjustment was recorded to reduce ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 501.28 136.85 Td (Retained earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.71 136.85 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 127.25 Td (ef) Tj ET Q q 0 0 0 rg BT 60.07 127.25 Td (fective January 1, 2017, for the incremental amortization of cumulative fair value hedge adjustments on callable state and municipal debt securities. See ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 117.65 Td (Note 1 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 108.05 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 108.05 Td (In the fourth quarter of 2017, Citi adopted ) Tj ET Q q 0 0 0 rg BT 190.19 108.05 Td (ASU 2018-02, which transferred these amounts from ) Tj ET Q q 0 0 0 rg BT 361.71 108.05 Td (AOCI to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 391.49 108.05 Td (Retained earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.92 108.05 Td (. See Note 1 to the Consolidated ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 98.45 Td (Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 88.85 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 88.85 Td (Citi adopted ) Tj ET Q q 0 0 0 rg BT 94.89 88.85 Td (ASU 2016-01 and ) Tj ET Q q 0 0 0 rg BT 154.66 88.85 Td (ASU 2018-03 on January 1, 2018. Upon adoption, a cumulative ef) Tj ET Q q 0 0 0 rg BT 367.15 88.85 Td (fect adjustment was recorded from ) Tj ET Q q 0 0 0 rg BT 479.77 88.85 Td (AOCI to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 509.55 88.85 Td (Retained ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 79.25 Td (earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 82.00 79.25 Td ( for net unrealized gains on former ) Tj ET Q q 0 0 0 rg BT 194.63 79.25 Td (AFS equity securities. For additional information, see Note 1 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 69.65 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 69.65 Td (Includes the impact of the release upon meeting the accounting trigger for substantial liquidation of Citi) Tj ET Q q 0 0 0 rg BT 388.35 69.65 Td (s Japan Consumer Finance business during the fourth ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 60.05 Td (quarter of 2018. See Note 1 to the Consolidated Financial Statements.) 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 (212) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (The pretax and after) Tj ET Q q 0 0 0 rg BT 116.59 742.10 Td (-tax changes in each component of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 258.20 742.10 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 361.69 742.10 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.21 742.10 Td ( were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 691.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 691.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 691.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 691.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 665.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 665.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 665.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 665.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 639.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 639.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 639.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 639.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 613.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 613.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 613.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 613.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 587.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 587.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 587.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 587.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 561.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 561.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 561.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 561.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 535.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 535.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 535.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 535.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 509.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 509.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 509.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 509.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 483.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 483.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 483.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 483.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 457.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 457.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 457.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 457.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 431.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 431.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 431.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 431.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 405.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 405.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 405.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 405.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 379.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 379.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 379.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 379.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 353.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 353.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 353.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 353.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 327.60 301.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 327.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 327.60 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 327.60 75.00 -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 35.5 691.6 m 336.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 691.6 m 411.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 691.6 m 486.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 691.6 m 561.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 691.6 m 486.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 665.6 m 336.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 665.6 m 411.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 678.6 m 486.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 665.6 m 486.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 665.6 m 561.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 665.6 m 486.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 652.6 m 486.5 639.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 639.6 m 486.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 626.6 m 486.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 613.6 m 486.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 587.6 m 336.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 587.6 m 411.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 600.6 m 486.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 587.6 m 486.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 587.6 m 561.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 574.6 m 336.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 574.6 m 411.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 587.6 m 486.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 574.6 m 486.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 574.6 m 561.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 574.6 m 486.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 548.6 m 336.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 548.6 m 411.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 561.6 m 486.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 548.6 m 486.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 548.6 m 561.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 548.6 m 486.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 535.6 m 486.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 522.6 m 486.5 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 509.6 m 486.5 496.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 496.6 m 486.5 483.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 470.6 m 336.5 470.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 470.6 m 411.5 470.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 483.6 m 486.5 470.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 470.6 m 486.5 470.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 470.6 m 561.5 470.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 457.6 m 336.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 457.6 m 411.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 470.6 m 486.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 457.6 m 486.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 457.6 m 561.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 457.6 m 486.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 431.6 m 336.5 431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 431.6 m 411.5 431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 444.6 m 486.5 431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 431.6 m 486.5 431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 431.6 m 561.5 431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 431.6 m 486.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 418.6 m 486.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 405.6 m 486.5 392.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 392.6 m 486.5 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 379.6 m 486.5 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 366.6 m 486.5 353.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 340.6 m 336.5 340.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 340.6 m 411.5 340.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 353.6 m 486.5 340.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 340.6 m 486.5 340.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 340.6 m 561.5 340.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 327.6 m 336.5 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 327.6 m 411.5 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 340.6 m 486.5 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 327.6 m 486.5 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 327.6 m 561.5 327.6 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 336.5 314.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 314.6 m 411.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 327.6 m 486.5 314.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 314.6 m 486.5 314.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 314.6 m 561.5 314.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 695.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.80 696.05 Td (Pr) Tj ET Q q 0 0 0 rg BT 370.21 696.05 Td (etax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.35 696.05 Td (T) Tj ET Q q 0 0 0 rg BT 431.53 696.05 Td (ax effect) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 463.75 700.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.90 696.05 Td (After) Tj ET Q q 0 0 0 rg BT 526.05 696.05 Td (-tax) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 682.86 Td (Balance, December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 682.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.25 682.86 Td (\(38,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 682.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 682.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.75 682.86 Td (9,096) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 682.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 682.86 Td (\(29,344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 682.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 669.86 Td (Adjustment to opening balance) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 150.22 673.94 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 669.86 Td (\(26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 669.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 669.86 Td (1) Tj ET Q q 0 0 0 rg BT 478.50 669.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 669.86 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 669.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 656.86 Td (Adjusted balance, beginning of period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 656.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.25 656.86 Td (\(38,466) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 656.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 656.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.75 656.86 Td (9,107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 656.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 656.86 Td (\(29,359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 656.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 643.86 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 394.50 643.86 Td (167) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 643.86 Td (\(59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 643.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 643.86 Td (108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 630.86 Td (Debt valuation adjustment \(DV) Tj ET Q q 0 0 0 rg BT 150.65 630.86 Td (A\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 630.86 Td (\(538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 630.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 630.86 Td (201) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 630.86 Td (\(337) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 630.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 617.86 Td (Cash flow hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 617.86 Td (84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 617.86 Td (\(27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 617.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 617.86 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 604.86 Td (Benefit plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 604.86 Td (\(78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 604.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 604.86 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 604.86 Td (\(48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 604.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 591.86 Td (Foreign currency translation adjustment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.75 591.86 Td (\(3,204) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 591.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 591.86 Td (402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 591.86 Td (\(2,802) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 591.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 578.86 Td (Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 578.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.75 578.86 Td (\(3,569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 578.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 578.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 578.86 Td (547) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 578.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 578.86 Td (\(3,022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 578.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 565.86 Td (Balance, December 31, 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 565.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.25 565.86 Td (\(42,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 565.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 565.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.75 565.86 Td (9,654) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 565.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 565.86 Td (\(32,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 565.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 552.86 Td (Adjustment to opening balance) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 150.22 556.94 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 552.86 Td (803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 552.86 Td (\(299) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 552.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 552.86 Td (504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 539.86 Td (Adjusted balance, beginning of period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 539.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.25 539.86 Td (\(41,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 539.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 539.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.75 539.86 Td (9,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 539.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 539.86 Td (\(31,877) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 539.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 526.86 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 384.75 526.86 Td (\(1,088) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 526.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 526.86 Td (225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 526.86 Td (\(863) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 526.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 513.86 Td (Debt valuation adjustment \(DV) Tj ET Q q 0 0 0 rg BT 150.65 513.86 Td (A\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 513.86 Td (\(680) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 513.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 513.86 Td (1) Tj ET Q q 0 0 0 rg BT 474.00 513.86 Td (1) Tj ET Q q 0 0 0 rg BT 478.50 513.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 513.86 Td (\(569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 513.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 500.86 Td (Cash flow hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 500.86 Td (\(37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 500.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 500.86 Td (\(101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 500.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 500.86 Td (\(138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 500.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 487.86 Td (Benefit plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 487.86 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.75 487.86 Td (\(1,033) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 487.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 487.86 Td (\(1,019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 487.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 474.86 Td (Foreign currency translation adjustment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 474.86 Td (1,795) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.75 474.86 Td (\(1,997) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 474.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 474.86 Td (\(202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 474.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 461.86 Td (Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 461.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.50 461.86 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 461.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.75 461.86 Td (\(2,795) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 461.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 461.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 461.86 Td (\(2,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 461.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 448.86 Td (Balance, December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 448.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.25 448.86 Td (\(41,228) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 448.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 448.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.75 448.86 Td (6,560) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 448.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 448.86 Td (\(34,668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 448.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 435.86 Td (Adjustment to opening balance) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 150.22 439.94 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 435.86 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 435.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 435.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 435.86 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 435.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 422.86 Td (Adjusted balance, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 423.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.25 423.00 Td (\(41,232) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 423.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 423.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.75 423.00 Td (6,561) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 423.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 423.00 Td (\(34,671) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 423.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 409.86 Td (Change in net unrealized gains \(losses\) on ) Tj ET Q q 0 0 0 rg BT 191.96 409.86 Td (AFS debt securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.75 410.00 Td (\(1,435) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 410.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.50 410.00 Td (346) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 410.00 Td (\(1,089) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 410.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 396.86 Td (Debt valuation adjustment \(DV) Tj ET Q q 0 0 0 rg BT 150.65 396.86 Td (A\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.75 397.00 Td (1,415) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.50 397.00 Td (\(302) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.00 397.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 397.00 Td (1,1) Tj ET Q q 0 0 0 rg BT 549.00 397.00 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 383.86 Td (Cash flow hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 384.00 Td (\(38) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 384.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.50 384.00 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.00 384.00 Td (\(30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 384.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 370.86 Td (Benefit plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 371.00 Td (\(94) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 371.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 371.00 Td (20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.00 371.00 Td (\(74) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 371.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 357.86 Td (Foreign currency translation adjustment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.75 358.00 Td (\(2,624) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 358.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.50 358.00 Td (262) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 358.00 Td (\(2,362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 358.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 344.86 Td (Excluded component of fair value hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 345.00 Td (\(74) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 345.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 345.00 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.00 345.00 Td (\(57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 345.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 331.86 Td (Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 332.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.75 332.00 Td (\(2,850) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 332.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 332.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.50 332.00 Td (351) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 332.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 332.00 Td (\(2,499) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 332.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 319.00 Td (Balance, December) Tj ET Q q 0 0 0 rg BT 111.81 319.00 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 319.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.25 319.00 Td (\(44,082) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 319.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 319.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.75 319.00 Td (6,912) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 319.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 319.00 Td (\(37,170) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 319.00 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 297.50 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 297.50 Td (In the fourth quarter of 2017, Citi adopted ) Tj ET Q q 0 0 0 rg BT 190.19 297.50 Td (ASU 2018-02, which transferred these amounts from ) Tj ET Q q 0 0 0 rg BT 361.71 297.50 Td (AOCI to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 391.49 297.50 Td (Retained earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.92 297.50 Td (. See Note 1 to the Consolidated ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 287.90 Td (Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 278.30 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 278.30 Td (Represents the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 102.88 278.30 Td ($\(15\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 145.32 278.30 Td ( adjustment related to the initial adoption of ) Tj ET Q q 0 0 0 rg BT 287.06 278.30 Td (ASU 2016-01. See Note 1 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 268.70 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 268.70 Td (In the second quarter of 2017, Citi early adopted ) Tj ET Q q 0 0 0 rg BT 210.84 268.70 Td (ASU 2017-08) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 255.51 268.70 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 259.51 268.70 Td (Upon adoption, a cumulative ef) Tj ET Q q 0 0 0 rg BT 360.45 268.70 Td (fect adjustment was recorded to reduce ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 487.50 268.70 Td (Retained earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 545.94 268.70 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 259.10 Td (ef) Tj ET Q q 0 0 0 rg BT 60.07 259.10 Td (fective January 1, 2017, for the incremental amortization of cumulative fair value hedge adjustments on callable state and municipal debt securities.See ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 249.50 Td (Note 1 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 239.90 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 239.90 Td (Citi adopted ) Tj ET Q q 0 0 0 rg BT 94.89 239.90 Td (ASU 2016-01 and ) Tj ET Q q 0 0 0 rg BT 154.66 239.90 Td (ASU 2018-03 on January 1, 2018. Upon adoption, a cumulative ef) Tj ET Q q 0 0 0 rg BT 367.15 239.90 Td (fect adjustment was recorded from ) Tj ET Q q 0 0 0 rg BT 479.77 239.90 Td (AOCI to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 509.55 239.90 Td (Retained ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 230.30 Td (earnings ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 84.00 230.30 Td (for net unrealized gains on former ) Tj ET Q q 0 0 0 rg BT 194.63 230.30 Td (AFS equity securities. For additional information, see Note 1 to the Consolidated Financial Statements.) 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 298.50 31.60 Td (213) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (The Company recognized pretax gains \(losses\) related to amounts in ) Tj ET Q q 0 0 0 rg BT 312.04 742.10 Td (AOCI reclassified to the Consolidated Statement of Income 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 36.50 654.60 291.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 654.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 654.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 654.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 626.60 291.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 626.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 626.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 626.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 598.60 291.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 598.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 598.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 598.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 570.60 291.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 570.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 570.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 570.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 542.60 291.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 542.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 542.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 542.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 514.60 291.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 514.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 514.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 514.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 486.60 291.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 486.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 486.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 486.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 458.60 291.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 458.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 458.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 458.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 430.60 291.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 430.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 430.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 430.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 402.60 291.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 402.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 402.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 402.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 374.60 291.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 374.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 374.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 374.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 346.60 291.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 346.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 346.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 346.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 318.60 291.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 318.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 318.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 318.60 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 327.5 696.6 m 405.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 696.6 m 483.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 696.6 m 562.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 696.6 m 405.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 682.6 m 405.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 682.6 m 483.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 682.6 m 562.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 668.6 m 327.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 682.6 m 405.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 668.6 m 405.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 682.6 m 483.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 668.6 m 483.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 682.6 m 562.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 668.6 m 562.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 640.6 m 327.5 640.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 640.6 m 405.5 640.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 640.6 m 483.5 640.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 640.6 m 562.5 640.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 612.6 m 327.5 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 612.6 m 405.5 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 612.6 m 483.5 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 612.6 m 562.5 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 598.6 m 327.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 598.6 m 405.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 598.6 m 483.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 598.6 m 562.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 584.6 m 327.5 584.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 598.6 m 405.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 584.6 m 405.5 584.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 598.6 m 483.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 584.6 m 483.5 584.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 598.6 m 562.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 584.6 m 562.5 584.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 556.6 m 327.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 542.6 m 327.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 556.6 m 405.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 542.6 m 405.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 556.6 m 483.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 542.6 m 483.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 556.6 m 562.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 542.6 m 562.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 514.6 m 327.5 514.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 514.6 m 405.5 514.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 514.6 m 483.5 514.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 514.6 m 562.5 514.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 514.6 m 327.5 514.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 486.6 m 327.5 486.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 486.6 m 405.5 486.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 486.6 m 483.5 486.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 486.6 m 562.5 486.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 472.6 m 327.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 472.6 m 405.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 472.6 m 483.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 472.6 m 562.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 416.6 m 327.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 416.6 m 405.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 416.6 m 483.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 416.6 m 562.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 388.6 m 327.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 388.6 m 405.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 388.6 m 483.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 388.6 m 562.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 374.6 m 327.5 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 374.6 m 405.5 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 374.6 m 483.5 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 374.6 m 562.5 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 346.6 m 327.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 346.6 m 405.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 346.6 m 483.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 346.6 m 562.5 346.6 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 327.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 332.6 m 405.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 332.6 m 483.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 332.6 m 562.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 304.6 m 327.5 304.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 304.6 m 405.5 304.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 304.6 m 483.5 304.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 304.6 m 562.5 304.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 290.6 m 327.5 290.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 290.6 m 405.5 290.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 290.6 m 483.5 290.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 290.6 m 562.5 290.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.25 710.05 Td (Incr) Tj ET Q q 0 0 0 rg BT 348.67 710.05 Td (ease \(decr) Tj ET Q q 0 0 0 rg BT 386.73 710.05 Td (ease\) in ) Tj ET Q q 0 0 0 rg BT 417.40 710.05 Td (AOCI due to amounts r) Tj ET Q q 0 0 0 rg BT 508.07 710.05 Td (eclassified to) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.35 701.05 Td (Consolidated Statement of Income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.65 687.05 Td (Y) Tj ET Q q 0 0 0 rg BT 401.65 687.05 Td (ear) Tj ET Q q 0 0 0 rg BT 413.56 687.05 Td ( ended December) Tj ET Q q 0 0 0 rg BT 479.88 687.05 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 672.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 673.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 673.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.50 673.06 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 659.06 Td (Realized \(gains\) losses on sales of investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 659.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.50 659.05 Td (\(421) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 659.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 659.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.50 659.06 Td (\(778) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 659.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 659.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 659.06 Td (\(949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 659.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 645.06 Td (Gross impairment losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 645.05 Td (125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 645.06 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 645.06 Td (288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 631.06 Td (Subtotal, pretax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 631.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.50 631.05 Td (\(296) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 631.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 631.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.50 631.06 Td (\(715) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 631.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 631.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 631.06 Td (\(661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 631.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 617.06 Td (T) Tj ET Q q 0 0 0 rg BT 50.18 617.06 Td (ax ef) Tj ET Q q 0 0 0 rg BT 67.52 617.06 Td (fect) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.00 617.05 Td (73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 617.06 Td (261) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 617.06 Td (238) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 603.05 Td (Net r) Tj ET Q q 0 0 0 rg BT 58.57 603.05 Td (ealized \(gains\) losses on investments, after) Tj ET Q q 0 0 0 rg BT 219.22 603.05 Td (-tax) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 234.21 607.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 603.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.50 603.05 Td (\(223) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 603.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 603.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.50 603.06 Td (\(454) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 603.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 603.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 603.06 Td (\(423) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 603.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 589.06 Td (Realized DV) Tj ET Q q 0 0 0 rg BT 85.15 589.06 Td (A) Tj ET Q q 0 0 0 rg BT 90.82 589.06 Td ( \(gains\) losses on fair value option liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 589.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.00 589.05 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 589.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 589.06 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 589.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 589.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 589.06 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 589.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 575.06 Td (Subtotal, pretax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 575.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.00 575.05 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 575.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 575.06 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 575.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 575.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 575.06 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 575.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 561.06 Td (T) Tj ET Q q 0 0 0 rg BT 48.37 561.06 Td (ax ef) Tj ET Q q 0 0 0 rg BT 65.94 561.06 Td (fect) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.50 561.05 Td (\(9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 561.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 561.06 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 561.06 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 547.05 Td (Net r) Tj ET Q q 0 0 0 rg BT 58.65 547.05 Td (ealized DV) Tj ET Q q 0 0 0 rg BT 99.73 547.05 Td (A, after) Tj ET Q q 0 0 0 rg BT 128.47 547.05 Td (-tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 547.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.00 547.05 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 547.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 547.06 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 547.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 547.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 547.06 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 547.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 533.06 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 533.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 533.05 Td (131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 533.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 533.06 Td (126) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 533.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 533.06 Td (140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 519.06 Td (Foreign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.50 519.05 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 519.06 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 519.06 Td (93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 505.06 Td (Subtotal, pretax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 505.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 505.05 Td (138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 505.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 505.06 Td (136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 505.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 505.06 Td (233) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 491.06 Td (T) Tj ET Q q 0 0 0 rg BT 50.18 491.06 Td (ax ef) Tj ET Q q 0 0 0 rg BT 67.52 491.06 Td (fect) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 491.05 Td (\(33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 491.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 491.06 Td (\(50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 491.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 491.06 Td (\(88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 491.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 477.05 Td (Amortization of cash flow hedges, after) Tj ET Q q 0 0 0 rg BT 189.13 477.05 Td (-tax) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 204.13 481.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 477.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 477.05 Td (105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 477.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 477.06 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 477.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 477.06 Td (145) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 463.06 Td (Amortization of unrecognized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 449.06 Td (Prior service cost \(benefit\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 449.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 449.05 Td (\(34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 449.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 449.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 449.06 Td (\(42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 449.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 449.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 449.06 Td (\(40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 449.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 435.06 Td (Net actuarial loss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 435.05 Td (248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 435.06 Td (271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 435.06 Td (272) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 421.06 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 148.22 425.14 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.50 421.05 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 421.06 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 421.06 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 407.06 Td (Subtotal, pretax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 407.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 407.05 Td (220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 407.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 407.06 Td (246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 407.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 407.06 Td (250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 393.06 Td (T) Tj ET Q q 0 0 0 rg BT 49.87 393.06 Td (ax ef) Tj ET Q q 0 0 0 rg BT 67.44 393.06 Td (fect) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 393.05 Td (\(54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 393.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 393.06 Td (\(87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 393.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 393.06 Td (\(90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 393.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 379.05 Td (Amortization of benefit plans, after) Tj ET Q q 0 0 0 rg BT 174.39 379.05 Td (-tax) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 189.39 383.13 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 379.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 379.05 Td (166) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 379.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 379.06 Td (159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 379.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 379.06 Td (160) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 365.06 Td (Foreign currency translation adjustment) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 182.71 369.14 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 365.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.00 365.05 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 365.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 365.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 365.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 365.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 351.06 Td (T) Tj ET Q q 0 0 0 rg BT 49.87 351.06 Td (ax ef) Tj ET Q q 0 0 0 rg BT 67.44 351.06 Td (fect) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 80.93 355.14 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 351.05 Td (21) Tj ET Q q 0 0 0 rg BT 397.50 351.05 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 351.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 351.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 337.05 Td (For) Tj ET Q q 0 0 0 rg BT 52.91 337.05 Td (eign curr) Tj ET Q q 0 0 0 rg BT 87.99 337.05 Td (ency translation adjustment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 337.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 337.05 Td (245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 337.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 337.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 337.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 337.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 323.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 323.05 Td (otal amounts r) Tj ET Q q 0 0 0 rg BT 100.09 323.05 Td (eclassified out of ) Tj ET Q q 0 0 0 rg BT 165.51 323.05 Td (AOCI, pr) Tj ET Q q 0 0 0 rg BT 202.18 323.05 Td (etax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 323.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 323.05 Td (137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 323.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.50 323.06 Td (\(340) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 323.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 323.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 323.06 Td (\(181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 323.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 309.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 309.05 Td (otal tax effect) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 309.05 Td (188) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 309.06 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 309.06 Td (61) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 295.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 295.05 Td (otal amounts r) Tj ET Q q 0 0 0 rg BT 100.01 295.05 Td (eclassified out of ) Tj ET Q q 0 0 0 rg BT 165.26 295.05 Td (AOCI, after) Tj ET Q q 0 0 0 rg BT 211.41 295.05 Td (-tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 295.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 295.05 Td (325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 295.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.50 295.06 Td (\(213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 295.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 295.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 295.06 Td (\(120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 295.06 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 273.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 273.50 Td (The pretax amount is reclassified to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 170.41 273.50 Td (Realized gains \(losses\) on sales of investments, net) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 333.05 273.50 Td ( and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 348.60 273.50 Td (Gr) Tj ET Q q 0 0 0 rg BT 357.20 273.50 Td (oss impairment losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.42 273.50 Td ( in the Consolidated Statement of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 263.90 Td (Income. See Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 113.09 263.90 Td (13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 121.09 263.90 Td ( to the Consolidated Financial Statements for additional details.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 254.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 254.30 Td (See Note22 to the Consolidated Financial Statements for additional details.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 244.70 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 244.70 Td (See Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.10 244.70 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 89.10 244.70 Td ( to the Consolidated Financial Statements for additional details.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 235.10 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 235.10 Td (Includes the impact of the release upon meeting the accounting trigger for substantial liquidation of Citi) Tj ET Q q 0 0 0 rg BT 388.35 235.10 Td (s Japan Consumer Finance business during the fourth ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 225.50 Td (quarter of 2018. See Note 1 to the Consolidated Financial Statements.) 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 (214) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (20.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 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 419.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 419.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 419.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 419.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 419.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 419.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 419.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 419.75 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 36.5 405.75 m 111.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.5 405.75 m 202.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 405.75 m 294.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 405.75 m 338.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 405.75 m 403.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 405.75 m 456.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 405.75 m 516.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 405.75 m 576.5 405.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 391.75 m 111.5 391.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 111.5 391.75 m 202.5 391.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 391.75 m 294.5 391.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 391.75 m 338.5 391.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 391.75 m 403.5 391.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 391.75 m 456.5 391.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 391.75 m 516.5 391.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 391.75 m 576.5 391.75 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 345.85 693.20 Td (Redemption) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.20 684.20 Td (price per) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.25 675.20 Td (depositary) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.80 666.20 Td (shar) Tj ET Q q 0 0 0 rg BT 375.72 666.20 Td (e/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.15 657.20 Td (pr) Tj ET Q q 0 0 0 rg BT 359.07 657.20 Td (efer) Tj ET Q q 0 0 0 rg BT 373.89 657.20 Td (ence) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.05 648.20 Td (shar) Tj ET Q q 0 0 0 rg BT 376.97 648.20 Td (e) 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 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 (shar) Tj ET Q q 0 0 0 rg BT 434.22 645.20 Td (es) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.80 657.20 Td (December) Tj ET Q q 0 0 0 rg BT 498.61 657.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.00 648.20 Td (2018) 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 (2017) 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 () 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 504.00 620.20 Td () 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 504.00 578.20 Td () 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 /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 480.21 Td (1,500) 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 /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 466.21 Td (2,000) 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 /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 452.21 Td (1,250) 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 /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 438.21 Td (1,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 424.21 Td (Series S) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.25 428.29 Td (\(16\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 125.60 424.21 Td (February 2, 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 214.85 424.21 Td (February 12, 2021) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 424.21 Td (6.300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 424.21 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 424.21 Td (41,400,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 424.20 Td (1,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 424.21 Td (1,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 410.21 Td (Series ) Tj ET Q q 0 0 0 rg BT 63.08 410.21 Td (T) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.58 414.29 Td (\(17\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 130.10 410.21 Td (April 25, 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.10 410.21 Td (August 15, 2026) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 410.21 Td (6.250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.75 410.21 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 410.21 Td (1,500,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 410.20 Td (1,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 410.21 Td (1,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 396.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 396.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 396.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.25 396.20 Td (18,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 396.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 396.21 Td (19,253) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 374.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 374.65 Td (The Series ) Tj ET Q q 0 0 0 rg BT 89.55 374.65 Td (AA) Tj ET Q q 0 0 0 rg BT 100.66 374.65 Td ( preferred stock was redeemed in full on February 15, 2018.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 365.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 365.05 Td (The Series E preferred stock was redeemed in full on ) Tj ET Q q 0 0 0 rg BT 225.49 365.05 Td (April 30, 2018.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 355.45 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 355.45 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 222.39 359.07 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 355.45 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 54.00 345.85 Td (payable semiannually 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 471.42 345.85 Td (April30, July30 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 336.25 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 36.00 326.65 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 326.65 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 222.39 330.27 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 326.65 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 54.00 317.05 Td (payable semiannually on February15 and ) Tj ET Q q 0 0 0 rg BT 189.52 317.05 Td (August15 at a fixed rate until February15, 2023, thereafter payable quarterly on February15, May15, ) Tj ET Q q 0 0 0 rg BT 521.42 317.05 Td (August15 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 307.45 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 36.00 297.85 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 297.85 Td (The Series C preferred stock was redeemed in full on November 1, 2018.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 288.25 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 288.25 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 222.39 291.88 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 288.25 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 54.00 278.65 Td (payable semiannually 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 504.09 278.65 Td (August15 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 269.05 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 36.00 259.45 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 259.45 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 232.39 263.08 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.43 259.45 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 54.00 249.85 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 54.00 240.25 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 36.00 230.65 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 230.65 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 232.39 234.27 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.43 230.65 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 54.00 221.05 Td (payable quarterly on February 15, May15, ) Tj ET Q q 0 0 0 rg BT 192.85 221.05 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 54.00 211.45 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 36.00 201.85 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 201.85 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 232.39 205.48 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.43 201.85 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 54.00 192.25 Td (payable quarterly on February 12, May12, ) Tj ET Q q 0 0 0 rg BT 192.85 192.25 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 36.00 182.65 Td (\(10\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 182.65 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 222.39 186.27 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 182.65 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 54.00 173.05 Td (payable semiannually 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 504.09 173.05 Td (August 15 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 163.45 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 36.00 153.85 Td (\(1) Tj ET Q q 0 0 0 rg BT 42.37 153.85 Td (1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 153.85 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 222.39 157.48 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 153.85 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 54.00 144.25 Td (payable semiannually 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 54.00 134.65 Td (15, ) Tj ET Q q 0 0 0 rg BT 65.56 134.65 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 BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 125.05 Td (\(12\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 125.05 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 222.39 128.67 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 125.05 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 54.00 115.45 Td (payable semiannually 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 54.00 105.85 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 96.25 Td (\(13\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 96.25 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 99.88 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 96.25 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 86.65 Td (payable semiannually 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 77.05 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 67.45 Td (\(14\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 67.45 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 71.08 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 67.45 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 57.85 Td (payable semiannually on February 15 and ) Tj ET Q q 0 0 0 rg BT 189.52 57.85 Td (August 15 at a fixed rate until, but excluding, ) Tj ET Q q 0 0 0 rg BT 336.38 57.85 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 48.25 Td (15, ) Tj ET Q q 0 0 0 rg BT 65.56 48.25 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 endstream endobj 431 0 obj <> endobj 432 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (215) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 750.50 Td (\(15\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 750.50 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 222.39 754.13 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 750.50 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 54.00 740.90 Td (payable semiannually on May 15 and November 15 at a fixed rate until, but excluding, November 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 (\(16\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 721.70 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 232.39 725.33 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.43 721.70 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 54.00 712.10 Td (payable quarterly on February 12, May 12, ) Tj ET Q q 0 0 0 rg BT 192.85 712.10 Td (August 12 and November 12 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 36.00 702.50 Td (\(17\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 702.50 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 222.39 706.13 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 702.50 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 54.00 692.90 Td (payable semiannually on February 15 and ) Tj ET Q q 0 0 0 rg BT 189.52 692.90 Td (August 15 at a fixed rate until ) Tj ET Q q 0 0 0 rg BT 286.61 692.90 Td (August 15, 2026, thereafter payable quarterly on February 15, May 15, ) Tj ET Q q 0 0 0 rg BT 515.21 692.90 Td (August 15 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 683.30 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 10.00 Tf ET q 0 0 0 rg BT 54.00 659.30 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.83 659.30 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.83 659.30 Td (, Citi distributed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.61 659.30 Td ($1,173 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.50 659.30 Td ( in dividends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 647.30 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 36.00 635.30 Td (outstanding as of December 31, 2018, Citi estimates it will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 623.30 Td (distribute preferred dividends of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.88 623.30 Td ($1,109 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.78 623.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 611.30 Td (during 2019, assuming such dividends are declared by the Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 599.30 Td (Board of Directors.) Tj ET Q endstream endobj 433 0 obj <> endobj 434 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (216) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (21. 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, through the SPE) Tj ET Q q 0 0 0 rg BT 246.79 617.25 Td (s issuance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (of debt and equity instruments, certificates, commercial paper ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (or other notes of indebtedness, the company transferring assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (to the SPE converts all \(or a portion\) of those assets into cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (before they would have been realized in the normal course of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 74.71 557.25 Td (These issuances are recorded on the balance sheet of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (the SPE, which may or may not be consolidated onto the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (balance sheet of the company that or) Tj ET Q q 0 0 0 rg BT 182.43 533.25 Td (ganized the SPE.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 521.25 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 36.00 509.25 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 36.00 497.25 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 36.00 485.25 Td (facility) Tj ET Q q 0 0 0 rg BT 63.67 485.25 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 36.00 473.25 Td (agreement. Because of these enhancements, the SPE issuances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 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 36.00 449.25 Td (transferor could obtain for its own debt issuances. ) Tj ET Q q 0 0 0 rg BT 237.71 449.25 Td (This results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (in less expensive financing costs than unsecured debt. ) Tj ET Q q 0 0 0 rg BT 253.82 437.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 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 36.00 413.25 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 36.00 401.25 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 36.00 389.25 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 36.00 377.25 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 36.00 365.25 Td (derivative contracts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 353.25 Td (Most of Citigroup) Tj ET Q q 0 0 0 rg BT 129.00 353.25 Td (s SPEs are variable interest entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (\(VIEs\), as described below) Tj ET Q q 0 0 0 rg BT 143.65 341.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (V) Tj ET Q q 0 0 0 rg BT 41.56 317.25 Td (ariable Interest Entities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 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 36.00 293.25 Td (is insuf) Tj ET Q q 0 0 0 rg BT 64.99 293.25 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 36.00 281.25 Td (without additional subordinated financial support or whose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (equity investors lack the characteristics of a controlling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (financial interest \(i.e., ability to make significant decisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (through voting rights or similar rights and a right to receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (the expected residual returns of the entity or an obligation to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (absorb the expected losses of the entity\). Investors that finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (the ) Tj ET Q q 0 0 0 rg BT 50.54 209.25 Td (VIE through debt or equity interests or other counterparties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (providing other forms of support, such as guarantees, certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (fee arrangements or certain types of derivative contracts, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (variable interest holders in the entity) Tj ET Q q 0 0 0 rg BT 181.69 173.25 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 endstream endobj 435 0 obj <> endobj 436 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (217) 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 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 621.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 621.60 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 621.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 621.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 621.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 621.60 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 621.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 621.60 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 596.60 110.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 596.60 55.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 596.60 57.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 596.60 65.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 596.60 52.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 596.60 52.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 596.60 58.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 596.60 52.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 596.60 39.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 543.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 543.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 543.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 543.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 543.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 543.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 543.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 543.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 543.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 509.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 509.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 509.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 509.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 509.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 509.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 509.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 509.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 509.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 485.60 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 485.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 485.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 485.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 485.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 485.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 485.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 485.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 485.60 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 459.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 459.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 459.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 459.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 459.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 459.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 459.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 459.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 459.60 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 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 537.5 647.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 645.6 l 537.5 643.6 m 537.5 641.6 l 537.5 639.6 m 537.5 637.6 l 537.5 635.6 m s 537.5 635.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 633.6 l 537.5 631.6 m 537.5 629.6 l 537.5 627.6 m 537.5 625.6 l 537.5 623.6 m 537.5 621.6 l s 537.5 621.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 619.6 l 537.5 617.6 m 537.5 615.6 l 537.5 613.6 m 537.5 611.6 l 537.5 609.6 m 537.5 608.6 l s 537.5 608.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 606.6 l 537.5 604.6 m 537.5 602.6 l 537.5 600.6 m 537.5 598.6 l 537.5 596.6 m s 537.5 596.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 594.6 l 537.5 592.6 m 537.5 590.6 l 537.5 588.6 m 537.5 586.6 l 537.5 584.6 m 537.5 582.6 l 537.5 580.6 m 537.5 578.6 l 537.5 576.6 m 537.5 574.6 l 537.5 572.6 m 537.5 570.6 l 537.5 568.6 m 537.5 566.6 l 537.5 565.6 m s 537.5 565.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 563.6 l 537.5 561.6 m 537.5 559.6 l 537.5 557.6 m 537.5 555.6 l 537.5 553.6 m 537.5 551.6 l 537.5 549.6 m 537.5 547.6 l 537.5 545.6 m 537.5 543.6 l s 537.5 543.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 541.6 l 537.5 539.6 m 537.5 537.6 l 537.5 535.6 m 537.5 533.6 l 537.5 531.6 m s 537.5 531.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 529.6 l 537.5 527.6 m 537.5 525.6 l 537.5 523.6 m 537.5 521.6 l 537.5 519.6 m 537.5 517.6 l 537.5 515.6 m 537.5 513.6 l 537.5 511.6 m 537.5 509.6 l s 537.5 509.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 507.6 l 537.5 505.6 m 537.5 503.6 l 537.5 501.6 m 537.5 499.6 l 537.5 497.6 m s 537.5 497.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 495.6 l 537.5 493.6 m 537.5 491.6 l 537.5 489.6 m 537.5 487.6 l 537.5 485.6 m s 537.5 485.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 483.6 l 537.5 481.6 m 537.5 479.6 l 537.5 477.6 m 537.5 475.6 l 537.5 473.6 m 537.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 459.6 m 146.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 459.6 m 201.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 459.6 m 258.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 459.6 m 323.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 459.6 m 375.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 459.6 m 427.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 459.6 m 485.5 459.6 l s 537.5 471.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 469.6 l 537.5 467.6 m 537.5 465.6 l 537.5 463.6 m 537.5 461.6 l 537.5 459.6 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 459.6 m 537.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 459.6 m 576.5 459.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 447.6 m 146.5 447.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 447.6 m 201.5 447.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 447.6 m 258.5 447.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 447.6 m 323.5 447.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 447.6 m 375.5 447.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 447.6 m 427.5 447.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 447.6 m 485.5 447.6 l s 537.5 459.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 457.6 l 537.5 455.6 m 537.5 453.6 l 537.5 451.6 m 537.5 449.6 l 537.5 447.6 m s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 447.6 m 537.5 447.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 447.6 m 576.5 447.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.70 718.00 Td (As of December) Tj ET Q q 0 0 0 rg BT 374.51 718.00 Td ( 31, 2018) 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 exposur) Tj ET Q q 0 0 0 rg BT 513.84 691.05 Td (es) 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 211.95 661.05 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 (T) Tj ET Q q 0 0 0 rg BT 551.83 652.05 Td (otal) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.90 639.00 Td (46,232) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 639.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.90 639.00 Td (46,232) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 639.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.65 639.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 639.00 Td ($) 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 (1) Tj ET Q q 0 0 0 rg BT 172.90 613.00 Td (16,563) 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 (1) Tj ET Q q 0 0 0 rg BT 294.90 613.00 Td (16,563) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.40 613.00 Td (3,038) 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 (60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.35 613.00 Td (3,098) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 599.86 Td (Non-agency-sponsored) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.90 600.00 Td (30,886) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.40 600.00 Td (1,498) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.90 600.00 Td (29,388) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.15 600.00 Td (431) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 600.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.65 600.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.15 600.00 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.15 600.00 Td (432) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 587.86 Td (Citi-administered asset-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 578.86 Td (backed commercial paper) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 569.86 Td (conduits \(ABCP\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.90 570.05 Td (18,750) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.90 570.05 Td (18,750) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.65 570.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.65 570.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 570.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.65 570.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 570.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.65 570.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 556.86 Td (Collateralized loan) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 547.86 Td (obligations \(CLOs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.90 548.05 Td (21,837) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 245.65 548.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.90 548.05 Td (21,837) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.40 548.05 Td (5,891) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 548.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.65 548.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.15 548.05 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.35 548.05 Td (5,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 534.86 Td (Asset-based financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.90 535.00 Td (73,199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.15 535.00 Td (628) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.90 535.00 Td (72,571) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.90 535.00 Td (21,640) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.15 535.00 Td (715) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.40 535.00 Td (9,757) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 535.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.85 535.00 Td (32,1) Tj ET Q q 0 0 0 rg BT 563.60 535.00 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 522.86 Td (Municipal securities tender) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 513.86 Td (option bond trusts \(T) Tj ET Q q 0 0 0 rg BT 123.67 513.86 Td (OBs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.40 514.05 Td (7,998) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.40 514.05 Td (1,776) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.40 514.05 Td (6,222) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.15 514.05 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 514.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.40 514.05 Td (4,262) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 514.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.35 514.05 Td (4,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 500.86 Td (Municipal investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.90 501.00 Td (18,044) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.15 501.00 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.90 501.00 Td (18,041) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.40 501.00 Td (2,813) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.40 501.00 Td (3,922) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.40 501.00 Td (2,738) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 501.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.35 501.00 Td (9,473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 488.86 Td (Client intermediation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 184.15 489.00 Td (858) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.15 489.00 Td (614) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.15 489.00 Td (244) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.15 489.00 Td (172) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 489.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.65 489.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.15 489.00 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.15 489.00 Td (174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 476.06 Td (Investment funds) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.40 476.05 Td (1,272) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.15 476.05 Td (440) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.15 476.05 Td (832) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.65 476.05 Td (12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 476.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.15 476.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.15 476.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.65 476.05 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 462.86 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 188.65 463.00 Td (63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.15 463.00 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.65 463.00 Td (60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.65 463.00 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 463.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.65 463.00 Td (23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 463.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.65 463.00 Td (60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 451.00 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 451.00 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.00 451.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.40 451.00 Td (335,702) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 451.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.90 451.00 Td (69,944) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 451.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.40 451.00 Td (265,758) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 451.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.90 451.00 Td (34,043) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 451.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.40 451.00 Td (4,637) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 451.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.90 451.00 Td (16,781) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 451.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 451.00 Td (73) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 540.00 451.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.85 451.00 Td (55,534) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 358.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 358.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 358.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 358.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 358.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 358.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 358.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 358.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 358.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 332.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 332.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 332.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 332.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 332.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 332.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 332.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 332.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 332.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 308.60 110.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 308.60 55.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 308.60 57.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 308.60 65.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 308.60 52.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 308.60 52.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 308.60 58.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 308.60 52.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 308.60 39.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 255.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 255.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 255.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 255.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 255.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 255.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 255.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 255.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 255.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 221.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 221.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 221.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 221.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 221.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 221.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 221.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 221.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 221.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 197.60 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 197.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 197.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 197.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 197.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 197.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 197.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 197.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 197.60 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 171.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 171.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 171.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 171.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 171.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 171.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 171.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 171.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 171.60 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 146.5 425.6 m 201.5 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 425.6 m 258.5 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 425.6 m 323.5 425.6 l s 0 0 0 RG /GS0 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290.6 l 537.5 288.6 m 537.5 286.6 l 537.5 284.6 m 537.5 282.6 l 537.5 280.6 m 537.5 278.6 l 537.5 277.6 m s 537.5 277.6 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 275.6 l 537.5 273.6 m 537.5 271.6 l 537.5 269.6 m 537.5 267.6 l 537.5 265.6 m 537.5 263.6 l 537.5 261.6 m 537.5 259.6 l 537.5 257.6 m 537.5 255.60000000000002 l s 537.5 255.60000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 253.60000000000002 l 537.5 251.60000000000002 m 537.5 249.60000000000002 l 537.5 247.60000000000002 m 537.5 245.60000000000002 l 537.5 243.60000000000002 m s 537.5 243.60000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 241.60000000000002 l 537.5 239.60000000000002 m 537.5 237.60000000000002 l 537.5 235.60000000000002 m 537.5 233.60000000000002 l 537.5 231.60000000000002 m 537.5 229.60000000000002 l 537.5 227.60000000000002 m 537.5 225.60000000000002 l 537.5 223.60000000000002 m 537.5 221.60000000000002 l s 537.5 221.60000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 219.60000000000002 l 537.5 217.60000000000002 m 537.5 215.60000000000002 l 537.5 213.60000000000002 m 537.5 211.60000000000002 l 537.5 209.60000000000002 m s 537.5 209.60000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 207.60000000000002 l 537.5 205.60000000000002 m 537.5 203.60000000000002 l 537.5 201.60000000000002 m 537.5 199.60000000000002 l 537.5 197.60000000000002 m s 537.5 197.60000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 195.60000000000002 l 537.5 193.60000000000002 m 537.5 191.60000000000002 l 537.5 189.60000000000002 m 537.5 187.60000000000002 l 537.5 185.60000000000002 m 537.5 183.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 171.60000000000002 m 146.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 171.60000000000002 m 201.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 171.60000000000002 m 258.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 171.60000000000002 m 323.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 171.60000000000002 m 375.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 171.60000000000002 m 427.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 171.60000000000002 m 485.5 171.60000000000002 l s 537.5 183.60000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 181.60000000000002 l 537.5 179.60000000000002 m 537.5 177.60000000000002 l 537.5 175.60000000000002 m 537.5 173.60000000000002 l 537.5 171.60000000000002 m s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 171.60000000000002 m 537.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 171.60000000000002 m 576.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 159.60000000000002 m 146.5 159.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 159.60000000000002 m 201.5 159.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 159.60000000000002 m 258.5 159.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 159.60000000000002 m 323.5 159.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 159.60000000000002 m 375.5 159.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 159.60000000000002 m 427.5 159.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 159.60000000000002 m 485.5 159.60000000000002 l s 537.5 171.60000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 169.60000000000002 l 537.5 167.60000000000002 m 537.5 165.60000000000002 l 537.5 163.60000000000002 m 537.5 161.60000000000002 l 537.5 159.60000000000002 m s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 159.60000000000002 m 537.5 159.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 159.60000000000002 m 576.5 159.60000000000002 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.60 428.86 Td (As of December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.80 416.06 Td (Maximum exposure to loss in significant unconsolidated ) Tj ET Q q 0 0 0 rg BT 539.86 416.06 Td (VIEs) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 558.36 420.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.95 402.06 Td (Funded exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 404.19 406.14 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.85 402.06 Td (Unfunded exposures) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 362.85 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 164.30 388.86 Td (T) Tj ET Q q 0 0 0 rg BT 169.17 388.86 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 151.00 379.86 Td (involvement) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 156.60 370.86 Td (with SPE) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 163.00 361.86 Td (assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.75 381.06 Td (Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.95 372.06 Td (VIE/SPE ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.00 363.06 Td (assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.75 381.06 Td (Significant) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 372.06 Td (unconsolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.95 363.06 Td (VIE assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 306.19 367.14 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.25 372.06 Td (Debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.50 363.06 Td (investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 372.06 Td (Equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 363.06 Td (investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.95 372.06 Td (Funding) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 363.06 Td (commitments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 381.06 Td (Guarantees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 372.06 Td (and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.25 363.06 Td (derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.30 363.06 Td (T) Tj ET Q q 0 0 0 rg BT 552.17 363.06 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 349.86 Td (Credit card securitizations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 149.00 349.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 349.86 Td (50,795) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.00 349.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.25 349.86 Td (50,795) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.00 349.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 349.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 349.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 349.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 349.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 349.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 349.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 349.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 349.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 349.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 349.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 349.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 337.06 Td (Mortgage securitizations) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 128.22 341.14 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 323.86 Td (U.S. agency-sponsored) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.75 323.86 Td (1) Tj ET Q q 0 0 0 rg BT 173.25 323.86 Td (16,610) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.00 323.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 323.86 Td (1) Tj ET Q q 0 0 0 rg BT 295.25 323.86 Td (16,610) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 323.86 Td (2,647) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 323.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 323.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 323.86 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 323.86 Td (2,721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 311.86 Td (Non-agency-sponsored) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 311.86 Td (22,251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.75 311.86 Td (2,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.25 311.86 Td (20,216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 311.86 Td (330) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 311.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 311.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.50 311.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 311.86 Td (331) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 299.86 Td (Citi-administered asset-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 290.86 Td (backed commercial paper) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 281.86 Td (conduits \(ABCP\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 282.06 Td (19,282) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.25 282.06 Td (19,282) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 282.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 282.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 282.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 282.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 282.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 282.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 268.86 Td (Collateralized loan) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 259.86 Td (obligations \(CLOs\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 260.06 Td (20,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.00 260.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.25 260.06 Td (20,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 260.06 Td (5,956) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 260.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 260.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.50 260.06 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 260.06 Td (5,965) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 246.86 Td (Asset-based financing) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 246.86 Td (60,472) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.50 246.86 Td (633) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.25 246.86 Td (59,839) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.25 246.86 Td (19,478) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.50 246.86 Td (583) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 246.86 Td (5,878) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 246.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 246.86 Td (25,939) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 234.86 Td (Municipal securities tender) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 225.86 Td (option bond trusts \(T) Tj ET Q q 0 0 0 rg BT 123.67 225.86 Td (OBs\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.75 226.06 Td (6,925) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.75 226.06 Td (2,166) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.75 226.06 Td (4,759) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 226.06 Td (138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 226.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 226.06 Td (3,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 226.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 226.06 Td (3,173) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 212.86 Td (Municipal investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 212.86 Td (19,1) Tj ET Q q 0 0 0 rg BT 189.00 212.86 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.50 212.86 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.25 212.86 Td (19,1) Tj ET Q q 0 0 0 rg BT 311.00 212.86 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 212.86 Td (2,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.75 212.86 Td (3,640) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 212.86 Td (2,344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 212.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 212.86 Td (8,693) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 200.86 Td (Client intermediation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.50 200.86 Td (958) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.50 200.86 Td (824) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.50 200.86 Td (134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 200.86 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 200.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 200.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.50 200.86 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 200.86 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 188.06 Td (Investment funds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.75 188.06 Td (1,892) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.50 188.06 Td (616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.75 188.06 Td (1,276) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 188.06 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 188.06 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 188.06 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 188.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 188.06 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 174.86 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.50 174.86 Td (677) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.00 174.86 Td (36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.50 174.86 Td (641) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 174.86 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 174.86 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 174.86 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 174.86 Td (47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 174.86 Td (1) Tj ET Q q 0 0 0 rg BT 564.00 174.86 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 162.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 162.86 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 149.00 162.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.75 162.86 Td (319,569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.00 162.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.25 162.86 Td (76,394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.00 162.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 162.86 Td (243,175) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 162.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.25 162.86 Td (31,331) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 162.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.75 162.86 Td (4,239) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 162.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.25 162.86 Td (1) Tj ET Q q 0 0 0 rg BT 461.75 162.86 Td (1,304) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 162.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.50 162.86 Td (140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 162.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 162.86 Td (47,014) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 140.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 140.90 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 36.00 131.30 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 131.30 Td (Included on Citigroup) Tj ET Q q 0 0 0 rg BT 126.88 131.30 Td (s ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 131.99 131.30 Td (December31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.86 131.30 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.41 131.30 Td (2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.41 131.30 Td ( Consolidated Balance Sheet.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 121.70 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 121.70 Td (A) Tj ET Q q 0 0 0 rg BT 59.34 121.70 Td ( significant unconsolidated ) Tj ET Q q 0 0 0 rg BT 147.39 121.70 Td (VIE is an entity in which 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 54.00 112.10 Td (the likelihood of loss.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 102.50 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 102.50 Td (Citigroup mortgage securitizations also include agency and non-agency \(private label\) re-securitization activities. ) Tj ET Q q 0 0 0 rg BT 418.83 102.50 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 92.90 Td (securitizations below for further discussion.) 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 24.60 Td (218) 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 the following:) 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 \(codified in ) Tj ET Q q 0 0 0 rg BT 242.31 695.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 264.08 695.10 Td (T) Tj ET Q q 0 0 0 rg BT 269.49 695.10 Td (opic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 683.10 Td (946\);) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 671.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 671.10 Td (certain investment funds for which the Company provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 659.10 Td (investment management services and personal estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 647.10 Td (trusts for which the Company provides administrative, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 635.10 Td (trustee and/or investment management services; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 623.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 623.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 83.52 623.10 Td (VIEs structured by third parties in which the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 611.10 Td (Company holds securities in inventory) Tj ET Q q 0 0 0 rg BT 207.77 611.10 Td (, as these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 599.10 Td (investments are made on arm) Tj ET Q q 0 0 0 rg BT 173.96 599.10 Td (s-length terms; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 587.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 587.10 Td (certain positions in mortgage- and asset-backed securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 575.10 Td (held by the Company) Tj ET Q q 0 0 0 rg BT 139.17 575.10 Td (, which are classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 236.91 575.10 Td (T) Tj ET Q q 0 0 0 rg BT 241.92 575.10 Td (rading ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 563.10 Td (account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.05 563.10 Td ( or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 125.38 563.10 Td (Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.58 563.10 Td (, in which the Company has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 551.10 Td (no other involvement with the related securitization entity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 539.10 Td (deemed to be significant \(for more information on these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 527.10 Td (positions, see Notes 13 and 24 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 515.10 Td (Financial Statements\); ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 503.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 503.10 Td (certain representations and warranties exposures in legacy ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 491.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.22 491.10 Td (-sponsored mortgage- and asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 479.10 Td (securitizations, in which the Company has no variable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 467.10 Td (interest or continuing involvement as servicer) Tj ET Q q 0 0 0 rg BT 236.45 467.10 Td (. ) Tj ET Q q 0 0 0 rg BT 241.27 467.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 455.10 Td (outstanding balance of mortgage loans securitized during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 443.10 Td (2005 to 2008 in which the Company has no variable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 431.10 Td (interest or continuing involvement as servicer was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 419.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.26 419.10 Td ($7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.87 419.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.31 419.10 Td ($9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.92 419.10 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.14 419.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 407.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 407.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.44 407.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.44 407.10 Td (, respectively;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 395.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 395.10 Td (certain representations and warranties exposures in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 383.10 Td (Citigroup residential mortgage securitizations, in which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 371.10 Td (the original mortgage loan balances are no longer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 359.10 Td (outstanding; and) 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 (VIEs such as trust preferred securities trusts used in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 335.10 Td (connection with the Company) Tj ET Q q 0 0 0 rg BT 177.03 335.10 Td (s funding activities. ) Tj ET Q q 0 0 0 rg BT 257.95 335.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 323.10 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 \(e.g., loan or security\) 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 in which 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, unless fair value information is readily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (available to the Company) Tj ET Q q 0 0 0 rg BT 425.82 605.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 593.10 Td (The maximum funded exposure represents the balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (sheet carrying amount of the Company) Tj ET Q q 0 0 0 rg BT 482.57 581.10 Td (s investment in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (VIE. It reflects the initial amount of cash invested in the ) Tj ET Q q 0 0 0 rg BT 550.97 569.10 Td (VIE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 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 324.00 545.10 Td (received. ) Tj ET Q q 0 0 0 rg BT 362.68 545.10 Td (The carrying amount may also be adjusted for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 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 324.00 521.10 Td (recognized in earnings. ) Tj ET Q q 0 0 0 rg BT 419.34 521.10 Td (The maximum exposure of unfunded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (positions represents the remaining undrawn committed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (amount, including liquidity and credit facilities provided by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (the Company or the notional amount of a derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 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 324.00 461.10 Td (transactions, the Company has entered into derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (instruments or other arrangements that are not considered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (variable interests in the ) Tj ET Q q 0 0 0 rg BT 419.34 437.10 Td (VIE \(e.g., interest rate swaps, cross-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (currency swaps or where the Company is the purchaser of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (credit protection under a credit default swap or total return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (swap where the Company pays the total return on certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (assets to the SPE\). Receivables under such arrangements are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (not included in the maximum exposure amounts.) Tj ET Q endstream endobj 439 0 obj <> endobj 440 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (219) 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) Tj ET Q q 0 0 0 rg BT 362.51 705.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.60 705.21 Td (December 31, 2017) 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 372.70 692.15 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 518.25 692.01 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.00 669.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 669.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.75 669.20 Td (9,757) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 669.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 669.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 669.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 669.21 Td (5,878) 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 \(T) Tj ET Q q 0 0 0 rg BT 214.88 655.21 Td (OBs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.75 655.20 Td (4,262) 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 (3,035) 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 (2,738) 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 (2,344) 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 424.50 627.20 Td (1) 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 564.00 627.21 Td (13) 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 (23) 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 (34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 599.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 599.20 Td (otal funding commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.75 599.20 Td (4,262) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.25 599.20 Td (12,519) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.75 599.21 Td (3,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 599.21 Td (8,269) 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 Citi) Tj ET Q q 0 0 0 rg BT 201.80 535.25 Td (s Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 523.25 Td (Balance Sheet, and any proceeds received are recognized as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 511.25 Td (secured liabilities. ) Tj ET Q q 0 0 0 rg BT 111.07 511.25 Td (The consolidated ) Tj ET Q q 0 0 0 rg BT 181.98 511.25 Td (VIEs represent more than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 499.25 Td (a hundred separate entities with which the Company is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 487.25 Td (involved. In general, the third-party investors in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 475.25 Td (obligations of consolidated ) Tj ET Q q 0 0 0 rg BT 146.63 475.25 Td (VIEs have legal recourse only to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 463.25 Td (the assets of the respective ) Tj ET Q q 0 0 0 rg BT 144.95 463.25 Td (VIEs and do not have such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 451.25 Td (recourse to the Company) Tj ET Q q 0 0 0 rg BT 135.60 451.25 Td (, except where Citi has provided a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 439.25 Td (guarantee to the investors or is the counterparty to certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 571.25 Td (derivative transactions involving the ) Tj ET Q q 0 0 0 rg BT 472.12 571.25 Td (VIE. ) Tj ET Q q 0 0 0 rg BT 493.59 571.25 Td (Thus, Citigroup) Tj ET Q q 0 0 0 rg BT 559.71 571.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 559.25 Td (maximum legal exposure to loss related to consolidated ) Tj ET Q q 0 0 0 rg BT 548.77 559.25 Td (VIEs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 547.25 Td (is significantly less than the carrying value of the consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 535.25 Td (VIE assets due to outstanding third-party financing. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 523.25 Td (Intercompany assets and liabilities are excluded from Citi) Tj ET Q q 0 0 0 rg BT 557.54 523.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 511.25 Td (Consolidated Balance Sheet. ) Tj ET Q q 0 0 0 rg BT 440.64 511.25 Td (All ) Tj ET Q q 0 0 0 rg BT 455.74 511.25 Td (VIE assets are restricted from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 499.25 Td (being sold or pledged as collateral. ) Tj ET Q q 0 0 0 rg BT 465.72 499.25 Td (The cash flows from these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 487.25 Td (assets are the only source used to pay down the associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 475.25 Td (liabilities, which are non-recourse to Citi) Tj ET Q q 0 0 0 rg BT 490.62 475.25 Td (s general assets. See ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 463.25 Td (the Consolidated Balance Sheet for more information about ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 451.25 Td (these Consolidated ) Tj ET Q q 0 0 0 rg BT 402.14 451.25 Td (VIE assets and liabilities. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 415.25 Td (Significant Interests in Unconsolidated VIEsBalance Sheet Classification) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 403.25 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 510.96 403.25 Td (VIEs:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 369.75 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 369.75 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 369.75 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 343.75 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 343.75 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 343.75 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 317.75 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 317.75 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 317.75 76.00 -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 36.5 369.75 m 424.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 369.75 m 500.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 369.75 m 576.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 304.75 m 424.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 304.75 m 500.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 304.75 m 576.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 304.75 m 424.5 304.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 290.75 m 424.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 304.75 m 500.5 304.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 290.75 m 500.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 304.75 m 576.5 304.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 290.75 m 576.5 290.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 374.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.80 383.20 Td (December) Tj ET Q q 0 0 0 rg BT 474.61 383.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 374.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.75 383.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 374.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 361.01 Td (Cash) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 361.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 361.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 361.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 361.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 348.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 348.01 Td (rading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 348.15 Td (8.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 348.01 Td (8.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 335.01 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 335.15 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 335.01 Td (4.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 322.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 322.01 Td (otal loans, net of allowance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 322.15 Td (24.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 322.01 Td (22.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 309.01 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 309.15 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 309.01 Td (0.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 295.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 295.20 Td (otal assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 295.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 295.20 Td (38.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 295.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 295.21 Td (35.6) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 441 0 obj <> endobj 442 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (220) 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 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.64 641.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.64 641.25 Td ( 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 Citibank Omni Master ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 617.25 Td (rust \(Omni ) Tj ET Q q 0 0 0 rg BT 87.68 617.25 Td (T) Tj ET Q q 0 0 0 rg BT 93.44 617.25 Td (rust\), with the substantial majority through the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (Master ) Tj ET Q q 0 0 0 rg BT 66.09 605.25 Td (T) Tj ET Q q 0 0 0 rg BT 71.84 605.25 Td (rust. ) Tj ET Q q 0 0 0 rg BT 91.66 605.25 Td (These trusts are consolidated entities because, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (servicer) Tj ET Q q 0 0 0 rg BT 355.25 749.10 Td (, Citigroup has the power to direct the activities that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (most significantly impact the economic performance of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (trusts. Citigroup holds a seller) Tj ET Q q 0 0 0 rg BT 444.64 725.10 Td () Tj ET Q q 0 0 0 rg BT 447.42 725.10 Td (s interest and certain securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (issued by the trusts, which could result in exposure to ) 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 (Citi utilizes securitizations as one of the sources of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (funding for its business in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 430.39 629.10 Td (North ) Tj ET Q q 0 0 0 rg BT 456.05 629.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.92 629.10 Td (. ) Tj ET Q q 0 0 0 rg BT 494.74 629.10 Td (The following table ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (reflects amounts related to the Company) Tj ET Q q 0 0 0 rg BT 488.67 617.10 Td (s securitized credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (card receivables:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 550.60 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 550.60 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 550.60 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 526.60 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 526.60 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 526.60 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 36.5 562.6 m 424.5 562.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 562.6 m 500.5 562.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 562.6 m 576.5 562.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 562.6 m 424.5 562.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 514.6 m 424.5 514.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 514.6 m 500.5 514.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 514.6 m 576.5 514.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 514.6 m 424.5 514.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 502.6 m 424.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 514.6 m 500.5 514.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 502.6 m 500.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 514.6 m 576.5 514.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 502.6 m 576.5 502.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 566.85 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.80 576.05 Td (December) Tj ET Q q 0 0 0 rg BT 474.61 576.05 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 567.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.75 576.06 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 567.06 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 554.00 Td (Ownership inter) Tj ET Q q 0 0 0 rg BT 102.17 554.00 Td (ests in principal amount of trust cr) Tj ET Q q 0 0 0 rg BT 235.50 554.00 Td (edit card r) Tj ET Q q 0 0 0 rg BT 275.83 554.00 Td (eceivables) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 541.86 Td ( Sold to investors via trust-issued securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 542.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 542.00 Td (27.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 541.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 541.86 Td (28.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 529.86 Td ( Retained by Citigroup as trust-issued securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 530.00 Td (7.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 529.86 Td (7.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 517.86 Td ( Retained by Citigroup via non-certificated interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 518.00 Td (1) Tj ET Q q 0 0 0 rg BT 485.75 518.00 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 517.86 Td (14.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 506.00 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 506.00 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 506.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 506.00 Td (46.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 505.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 505.86 Td (50.8) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 479.10 Td (The following table summarizes selected cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 467.10 Td (information related to Citigroup) Tj ET Q q 0 0 0 rg BT 166.81 467.10 Td (s credit card securitizations:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 444.60 141.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.50 444.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 213.50 444.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 444.60 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 35.5 444.6 m 176.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 444.6 m 213.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 444.6 m 250.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 444.6 m 287.5 444.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 420.6 m 176.5 420.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 420.6 m 213.5 420.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 420.6 m 250.5 420.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 420.6 m 287.5 420.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 448.55 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.50 448.00 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.50 447.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.50 447.86 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 435.86 Td (Proceeds from new securitizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 179.00 436.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.75 436.00 Td (6.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 216.00 435.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.25 435.86 Td (1) Tj ET Q q 0 0 0 rg BT 235.75 435.86 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 435.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 435.86 Td (3.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 423.86 Td (Pay down of maturing notes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.75 424.00 Td (\(8.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.00 424.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.75 423.86 Td (\(5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.00 423.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.25 423.86 Td (\(10.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 423.86 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 397.10 Td (Managed Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 385.10 Td (After securitization of credit card receivables, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 373.10 Td (continues to maintain credit card customer account ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 361.10 Td (relationships and provides servicing for receivables transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 349.10 Td (to the trusts. ) Tj ET Q q 0 0 0 rg BT 87.11 349.10 Td (As a result, the Company considers the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 337.10 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 36.00 325.10 Td (manages. ) Tj ET Q q 0 0 0 rg BT 75.43 325.10 Td (As Citigroup consolidates the credit card trusts, all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 313.10 Td (managed securitized card receivables are on-balance sheet.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 289.10 Td (Funding, Liquidity Facilities and Subor) Tj ET Q q 0 0 0 rg BT 194.79 289.10 Td (dinated Inter) Tj ET Q q 0 0 0 rg BT 246.35 289.10 Td (ests) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 277.10 Td (As noted above, Citigroup securitizes credit card receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 265.10 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.61 265.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.61 265.10 Td ( securitization trustsMaster ) Tj ET Q q 0 0 0 rg BT 205.23 265.10 Td (T) Tj ET Q q 0 0 0 rg BT 210.99 265.10 Td (rust and Omni ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 253.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 253.10 Td (rust. ) Tj ET Q q 0 0 0 rg BT 61.58 253.10 Td (The liabilities of the trusts are included on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 241.10 Td (Consolidated Balance Sheet, excluding those retained by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 229.10 Td (Citigroup.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 217.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 479.10 Td (Master) Tj ET Q q 0 0 0 rg BT 354.36 479.10 Td ( ) Tj ET Q q 0 0 0 rg BT 356.68 479.10 Td (T) Tj ET Q q 0 0 0 rg BT 362.60 479.10 Td (rust Liabilities \(at Par) Tj ET Q q 0 0 0 rg BT 457.13 479.10 Td ( ) Tj ET Q q 0 0 0 rg BT 459.45 479.10 Td (V) Tj ET Q q 0 0 0 rg BT 465.76 479.10 Td (alue\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 467.10 Td (The Master ) Tj ET Q q 0 0 0 rg BT 372.13 467.10 Td (T) Tj ET Q q 0 0 0 rg BT 377.89 467.10 Td (rust issues fixed- and floating-rate term notes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 455.10 Td (Some of the term notes may be issued to multi-seller ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 443.10 Td (commercial paper conduits. ) Tj ET Q q 0 0 0 rg BT 437.11 443.10 Td (The weighted average maturity of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 431.10 Td (the term notes issued by the Master ) Tj ET Q q 0 0 0 rg BT 467.96 431.10 Td (T) Tj ET Q q 0 0 0 rg BT 473.71 431.10 Td (rust was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.26 431.10 Td (3.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.36 431.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 419.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.58 419.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.02 419.10 Td (2.6 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.12 419.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.28 419.10 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.87 419.10 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 387.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 387.60 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 387.60 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 354.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 354.60 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 354.60 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 324.5 387.6 m 468.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 387.6 m 522.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 387.6 m 576.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 354.6 m 468.5 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 354.6 m 522.5 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 354.6 m 576.5 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 354.6 m 468.5 354.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 342.6 m 468.5 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 354.6 m 522.5 354.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 342.6 m 522.5 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 354.6 m 576.5 354.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 342.6 m 576.5 342.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 391.85 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.85 400.00 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.00 391.00 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.85 399.86 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 390.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 378.86 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 378.86 Td (erm notes issued to third parties) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 379.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.25 379.00 Td (25.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 378.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 378.86 Td (27.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 366.86 Td (T) Tj ET Q q 0 0 0 rg BT 331.87 366.86 Td (erm notes retained by Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 357.86 Td (af) Tj ET Q q 0 0 0 rg BT 342.83 357.86 Td (filiates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 359.05 Td (5.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 359.06 Td (5.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 346.00 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 346.00 Td (otal Master) Tj ET Q q 0 0 0 rg BT 376.25 346.00 Td ( ) Tj ET Q q 0 0 0 rg BT 378.33 346.00 Td (T) Tj ET Q q 0 0 0 rg BT 383.67 346.00 Td (rust liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 346.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.25 346.00 Td (31.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 345.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 345.86 Td (33.5) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 319.10 Td (Omni ) Tj ET Q q 0 0 0 rg BT 350.77 319.10 Td (T) Tj ET Q q 0 0 0 rg BT 356.70 319.10 Td (rust Liabilities \(at Par) Tj ET Q q 0 0 0 rg BT 451.23 319.10 Td ( ) Tj ET Q q 0 0 0 rg BT 453.55 319.10 Td (V) Tj ET Q q 0 0 0 rg BT 459.85 319.10 Td (alue\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 307.10 Td (The Omni ) Tj ET Q q 0 0 0 rg BT 367.14 307.10 Td (T) Tj ET Q q 0 0 0 rg BT 372.90 307.10 Td (rust issues fixed- and floating-rate term notes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 295.10 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 324.00 283.10 Td (paper conduits. ) Tj ET Q q 0 0 0 rg BT 387.41 283.10 Td (The weighted average maturity of the third-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 271.10 Td (party term notes issued by the Omni ) Tj ET Q q 0 0 0 rg BT 471.29 271.10 Td (T) Tj ET Q q 0 0 0 rg BT 477.05 271.10 Td (rust was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.60 271.10 Td (1.4 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.70 271.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 259.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.58 259.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.02 259.10 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.52 259.10 Td ( years as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.28 259.10 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.87 259.10 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 227.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 227.60 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 227.60 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 194.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 194.60 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 194.60 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 324.5 227.60000000000002 m 468.5 227.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 227.60000000000002 m 522.5 227.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 227.60000000000002 m 576.5 227.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 194.60000000000002 m 468.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 194.60000000000002 m 522.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 194.60000000000002 m 576.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 194.60000000000002 m 468.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 182.60000000000002 m 468.5 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 194.60000000000002 m 522.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 182.60000000000002 m 522.5 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 194.60000000000002 m 576.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 182.60000000000002 m 576.5 182.60000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 231.85 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.85 240.00 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.00 231.00 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.85 239.86 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 230.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 218.86 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 218.86 Td (erm notes issued to third parties) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 219.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 219.00 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 218.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 218.86 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 206.86 Td (T) Tj ET Q q 0 0 0 rg BT 331.87 206.86 Td (erm notes retained by Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 197.86 Td (af) Tj ET Q q 0 0 0 rg BT 342.83 197.86 Td (filiates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 199.05 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 199.06 Td (1.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 186.00 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 186.00 Td (otal Omni ) Tj ET Q q 0 0 0 rg BT 373.02 186.00 Td (T) Tj ET Q q 0 0 0 rg BT 378.35 186.00 Td (rust liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 186.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 186.00 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 185.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 185.86 Td (2.9) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 443 0 obj <> endobj 444 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (221) 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 (Citigroup provides a wide range of mortgage loan products to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (a diverse customer base. Once originated, the Company often ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (securitizes these loans through the use of ) Tj ET Q q 0 0 0 rg BT 202.16 713.25 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 227.53 713.25 Td (These ) Tj ET Q q 0 0 0 rg BT 253.73 713.25 Td (VIEs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (are funded through the issuance of trust certificates backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (solely by the transferred assets. ) Tj ET Q q 0 0 0 rg BT 163.56 689.25 Td (These certificates have the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (same life as the transferred assets. In addition to providing a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (source of liquidity and less expensive funding, securitizing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (these assets also reduces Citi) Tj ET Q q 0 0 0 rg BT 154.31 653.25 Td (s credit exposure to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 81.36 641.25 Td (These mortgage loan securitizations are primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (non-recourse, thereby ef) Tj ET Q q 0 0 0 rg BT 133.27 629.25 Td (fectively transferring the risk of future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (credit losses to the purchasers of the securities issued by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (trust.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 593.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 593.25 Td (s U.S. consumer mortgage business generally retains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (the 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. Citi) Tj ET Q q 0 0 0 rg BT 210.97 545.25 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 217.36 545.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.58 545.25 Td ( business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (may hold investment securities pursuant to credit risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (retention rules or in connection with secondary market-making ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (activities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 497.25 Td (The Company securitizes mortgage loans generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (through either a government-sponsored agency) Tj ET Q q 0 0 0 rg BT 223.62 485.25 Td (, such as Ginnie ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (Mae, Fannie Mae or Freddie Mac \(U.S. agency-sponsored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (mortgages\), or private label \(non-agency-sponsored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (mortgages\) securitization. Citi is not the primary beneficiary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (of its U.S. agency-sponsored mortgage securitization entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (because Citigroup does not have the power to direct the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (activities of the ) Tj ET Q q 0 0 0 rg BT 387.96 713.10 Td (VIE that most significantly impact the entity) Tj ET Q q 0 0 0 rg BT 569.04 713.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (economic performance. ) Tj ET Q q 0 0 0 rg BT 420.71 701.10 Td (Therefore, Citi does not consolidate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (these U.S. agency-sponsored mortgage securitization entities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (Substantially all of the consumer loans sold or securitized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (through non-consolidated trusts by Citigroup are U.S. prime ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (residential mortgage loans. Retained interests in non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (consolidated agency-sponsored mortgage securitization trusts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (are classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 389.80 629.10 Td (T) Tj ET Q q 0 0 0 rg BT 394.81 629.10 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.03 629.10 Td (, except for MSRs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (which are included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 412.86 617.10 Td (Mortgage servicing rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.29 617.10 Td ( on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 365.11 605.10 Td (s Consolidated Balance Sheet.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 593.10 Td (Citigroup does not consolidate certain non-agency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (sponsored mortgage securitization entities because Citi is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (either not the servicer with the power to direct the significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (activities of the entity or Citi is the servicer) Tj ET Q q 0 0 0 rg BT 496.89 557.10 Td (, but the servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 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 324.00 533.10 Td (Citi is not deemed to be the primary beneficiary of the entity) Tj ET Q q 0 0 0 rg BT 565.78 533.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 521.10 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 324.00 509.10 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 324.00 497.10 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 324.00 485.10 Td (significant to its non-agency-sponsored mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (securitization entities and, therefore, is the primary beneficiary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (and, thus, consolidates the ) Tj ET Q q 0 0 0 rg BT 431.58 461.10 Td (VIE.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (The following tables summarize selected cash flow information and retained interests related to Citigroup mortgage securitizations:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 378.60 219.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 378.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 378.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 378.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 378.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 378.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 378.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 350.60 219.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 350.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 350.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 350.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 350.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 350.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 350.60 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 254.5 412.6 m 308.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 412.6 m 363.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 412.6 m 416.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 412.6 m 469.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 412.6 m 522.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 412.6 m 575.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 378.6 m 254.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 378.6 m 308.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 412.6 m 363.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 378.6 m 363.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 378.6 m 416.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 412.6 m 469.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 378.6 m 469.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 378.6 m 522.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 378.6 m 575.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 378.6 m 363.5 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 378.6 m 469.5 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 364.6 m 363.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 364.6 m 469.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 350.6 m 363.5 336.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 350.6 m 469.5 336.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 322.6 m 254.5 322.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 322.6 m 308.5 322.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 336.6 m 363.5 322.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 322.6 m 363.5 322.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 322.6 m 416.5 322.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 336.6 m 469.5 322.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 322.6 m 469.5 322.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 322.6 m 522.5 322.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 322.6 m 575.5 322.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.50 417.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 417.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 417.06 Td (2016) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 382.85 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.10 401.05 Td (U.S. agency-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.55 392.05 Td (sponsor) Tj ET Q q 0 0 0 rg BT 291.48 392.05 Td (ed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 383.05 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.25 401.05 Td (Non-agency-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.05 392.05 Td (sponsor) Tj ET Q q 0 0 0 rg BT 345.90 392.05 Td (ed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 383.05 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.10 401.06 Td (U.S. agency-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.25 392.06 Td (sponsored) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 383.06 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 401.06 Td (Non-agency-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.25 392.06 Td (sponsored) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 383.06 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.10 401.06 Td (U.S. agency-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 392.06 Td (sponsored) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 383.06 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 401.06 Td (Non-agency-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 392.06 Td (sponsored) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 383.06 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 369.06 Td (Principal securitized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.00 369.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 369.05 Td (4.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 369.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 369.05 Td (5.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.00 369.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.75 369.06 Td (7.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 369.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.75 369.06 Td (7.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.00 369.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.25 369.06 Td (14.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 369.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 369.06 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 355.06 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 161.71 359.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 355.05 Td (4.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 355.05 Td (7.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.75 355.06 Td (8.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.75 355.06 Td (7.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.25 355.06 Td (15.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 355.06 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 341.06 Td (Contractual servicing fees received) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 341.05 Td (0.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.00 341.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.75 341.06 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 341.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 341.06 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 341.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 327.86 Td (Purchases of previously transferred financial assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 327.05 Td (0.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.00 327.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.75 327.06 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 327.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 327.06 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 327.06 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 305.50 Td (Note: Excludes re-securitization transactions.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 297.50 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 47.18 297.50 Td (The proceeds from new securitizations in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 181.36 297.50 Td (2016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 197.36 297.50 Td ( include ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 224.91 297.50 Td ($0.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.80 297.50 Td ( related to personal loan securitizations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 273.50 Td (For non-consolidated mortgage securitization entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 261.50 Td (where the transfer of loans to the ) Tj ET Q q 0 0 0 rg BT 169.94 261.50 Td (VIE meets the conditions for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 249.50 Td (sale accounting, Citi recognizes a gain or loss based on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 237.50 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 237.50 Td (ference between the carrying value of the transferred assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 225.50 Td (and the proceeds received \(generally cash but may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 213.50 Td (beneficial interests or servicing rights\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 273.50 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 324.00 261.50 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.38 261.50 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.96 261.50 Td ( were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.39 261.50 Td ($17 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.78 261.50 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.22 261.50 Td ($36 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 565.61 261.50 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 249.50 Td (respectively) Tj ET Q q 0 0 0 rg BT 371.66 249.50 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 237.50 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 324.00 225.50 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.38 225.50 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.96 225.50 Td ( were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.39 225.50 Td ($28 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.78 225.50 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.22 225.50 Td ($70 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 565.61 225.50 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 213.50 Td (respectively) Tj ET Q q 0 0 0 rg BT 371.66 213.50 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.60 213.50 Td ($76 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.99 213.50 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.43 213.50 Td ($\(5\) million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.48 213.50 Td (, respectively) Tj ET Q q 0 0 0 rg BT 560.14 213.50 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 201.50 Td (for the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.96 201.50 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.54 201.50 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 34.50 125.00 140.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 125.00 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 125.00 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 125.00 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 125.00 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 125.00 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 125.00 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 174.5 179 m 241.5 179 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 179 m 308.5 179 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 179 m 375.5 179 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 179 m 442.5 179 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 179 m 509.5 179 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 179 m 576.5 179 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 157 m 308.5 157 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 157 m 375.5 157 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 157 m 442.5 157 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 157 m 509.5 157 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 157 m 576.5 157 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 34.5 125 m 174.5 125 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 125 m 241.5 125 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 157 m 308.5 157 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 125 m 308.5 125 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 157 m 375.5 157 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 125 m 375.5 125 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 125 m 442.5 125 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 157 m 509.5 157 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 125 m 509.5 125 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 157 m 576.5 157 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 125 m 576.5 125 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 34.5 125 m 174.5 125 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 34.5 112 m 174.5 112 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 125 m 241.5 125 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 112 m 241.5 112 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 125 m 308.5 125 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 112 m 308.5 112 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 125 m 375.5 125 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 112 m 375.5 112 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 125 m 442.5 125 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 112 m 442.5 112 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 125 m 509.5 125 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 112 m 509.5 112 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 125 m 576.5 125 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 112 m 576.5 112 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.20 182.40 Td (December) Tj ET Q q 0 0 0 rg BT 277.09 182.40 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.10 182.26 Td (December 31, 2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.30 170.40 Td (Non-agency-sponsor) Tj ET Q q 0 0 0 rg BT 342.64 170.40 Td (ed ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.55 161.40 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 324.54 165.48 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.25 170.26 Td (Non-agency-sponsored ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.80 161.26 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 524.29 165.34 Td (\(1\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 37.00 129.25 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.60 147.45 Td (U.S. agency-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 188.05 138.45 Td (sponsor) Tj ET Q q 0 0 0 rg BT 217.98 138.45 Td (ed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.50 129.45 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.05 138.45 Td (Senior) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.30 129.45 Td (inter) Tj ET Q q 0 0 0 rg BT 276.71 129.45 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.20 138.45 Td (Subordinated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.30 129.45 Td (inter) Tj ET Q q 0 0 0 rg BT 343.63 129.45 Td (ests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.10 147.46 Td (U.S. agency-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.25 138.46 Td (sponsored) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 129.46 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.75 138.46 Td (Senior) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.50 129.46 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 138.46 Td (Subordinated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 129.46 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.00 116.26 Td (Carrying value of retained interests) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 163.95 120.34 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 116.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 224.50 116.40 Td (564) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 116.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 116.40 Td (300) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 116.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 116.40 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 116.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.50 116.26 Td (529) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 116.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 116.26 Td (132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 116.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 116.26 Td (30) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 92.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 92.90 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 92.90 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 83.30 Td (securitization.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 73.70 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 73.70 Td (Retained interests consist of Level 2 or Level 3 assets depending on the observability of significant inputs. See Footnote 24 for more information about fair value ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 64.10 Td (measurements.) 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 24.60 Td (222) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 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 36.00 737.10 Td (were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 666.60 282.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 666.60 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 666.60 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 666.60 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 640.60 282.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 640.60 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 640.60 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 640.60 86.00 -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 318.5 712.6 m 404.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 712.6 m 490.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 712.6 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 404.5 698.6 m 490.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 698.6 m 576.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 666.6 m 318.5 666.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 666.6 m 404.5 666.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 666.6 m 490.5 666.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 666.6 m 576.5 666.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 613.6 m 318.5 613.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 613.6 m 404.5 613.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 613.6 m 490.5 613.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 613.6 m 576.5 613.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.70 717.05 Td (December) Tj ET Q q 0 0 0 rg BT 449.51 717.05 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.80 703.05 Td (Non-agency-sponsor) Tj ET Q q 0 0 0 rg BT 500.14 703.05 Td (ed mortgages) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 551.38 707.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.10 689.17 Td (U.S. agency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.85 689.17 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.55 680.00 Td (sponsor) Tj ET Q q 0 0 0 rg BT 371.40 680.00 Td (ed ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 671.00 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.45 680.22 Td (Senior) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.45 680.22 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.80 671.05 Td (inter) Tj ET Q q 0 0 0 rg BT 449.13 671.05 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.70 680.22 Td (Subordinated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.22 680.22 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.80 671.05 Td (inter) Tj ET Q q 0 0 0 rg BT 535.13 671.05 Td (ests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 657.86 Td (W) Tj ET Q q 0 0 0 rg BT 47.13 657.86 Td (eighted average discount rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 658.00 Td (9.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 658.00 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.75 658.00 Td (2.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 658.00 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 658.00 Td (4.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 658.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 644.86 Td (W) Tj ET Q q 0 0 0 rg BT 46.77 644.86 Td (eighted average constant prepayment rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 645.00 Td (5.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 645.00 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.75 645.00 Td (8.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 645.00 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 645.00 Td (9.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 645.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 631.06 Td (W) Tj ET Q q 0 0 0 rg BT 46.77 631.06 Td (eighted average 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 204.96 635.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.25 631.05 Td ( NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.75 631.05 Td (4.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 631.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 631.05 Td (3.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 631.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 617.86 Td (W) Tj ET Q q 0 0 0 rg BT 46.77 617.86 Td (eighted average life) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.75 618.00 Td (7.2 to 7.7 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 618.00 Td (2.5 to 9.9 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.25 618.00 Td (2.5 to 15.7 years) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 543.60 282.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 543.60 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 543.60 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 543.60 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 517.60 282.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 517.60 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 517.60 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 517.60 86.00 -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 317.5 589.6 m 403.5 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 589.6 m 489.5 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 589.6 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 403.5 575.6 m 489.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 575.6 m 575.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 543.6 m 317.5 543.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 543.6 m 403.5 543.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 543.6 m 489.5 543.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 543.6 m 575.5 543.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 490.6 m 317.5 490.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 490.6 m 403.5 490.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 490.6 m 489.5 490.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 490.6 m 575.5 490.6 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.60 594.06 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.95 580.06 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 547.16 584.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.60 557.06 Td (U.S. agency-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.85 548.06 Td (sponsored mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.25 557.06 Td (Senior) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 548.06 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 557.06 Td (Subordinated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 548.06 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 534.86 Td (W) Tj ET Q q 0 0 0 rg BT 45.77 534.86 Td (eighted average discount rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 534.86 Td (13.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 534.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 534.86 Td (3.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 534.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 534.86 Td (3.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 534.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 521.86 Td (W) Tj ET Q q 0 0 0 rg BT 45.77 521.86 Td (eighted average constant prepayment rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.25 521.86 Td (6.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 521.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 521.86 Td (4.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 521.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 521.86 Td (4.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 521.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 508.06 Td (W) Tj ET Q q 0 0 0 rg BT 45.77 508.06 Td (eighted average 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 203.96 512.14 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.70 508.06 Td ( NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 508.06 Td (7.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 508.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 508.06 Td (8.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 508.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 494.86 Td (W) Tj ET Q q 0 0 0 rg BT 45.77 494.86 Td (eighted average life) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.75 494.86 Td (6.5 to 7.5 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 494.86 Td (4.3 to 9.4 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.25 494.86 Td (4.3 to 10.0 years) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 471.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 471.90 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 414.42 471.90 Td ( position in the capital structure of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 462.30 Td (securitization.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 452.70 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 452.70 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 54.00 443.10 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 54.00 433.50 Td (in mortgage securitizations.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 423.90 Td (NM ) Tj ET Q q 0 0 0 rg BT 54.00 423.90 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 54.00 402.30 Td (The interests retained by Citi range from highly rated and/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 390.30 Td (or senior in the capital structure to unrated and/or residual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 378.30 Td (interests.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 366.30 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 36.00 354.30 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 249.26 354.30 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.59 354.30 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 342.30 Td (20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.33 342.30 Td ( in each of the key assumptions, are presented in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 402.30 Td (tables below) Tj ET Q q 0 0 0 rg BT 373.61 402.30 Td (. ) Tj ET Q q 0 0 0 rg BT 378.43 402.30 Td (The negative ef) Tj ET Q q 0 0 0 rg BT 440.44 402.30 Td (fect of each change is calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 390.30 Td (independently) Tj ET Q q 0 0 0 rg BT 380.00 390.30 Td (, holding all other assumptions constant. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 378.30 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 324.00 366.30 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 366.30 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 324.00 354.30 Td (may be less than the sum of the individual ef) Tj ET Q q 0 0 0 rg BT 502.95 354.30 Td (fects shown ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 342.30 Td (below) Tj ET Q q 0 0 0 rg BT 347.79 342.30 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 274.80 281.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 274.80 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 274.80 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 274.80 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 250.80 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 250.80 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 250.80 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 250.80 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 317.5 318.79999999999995 m 403.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 318.79999999999995 m 489.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 318.79999999999995 m 575.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 305.79999999999995 m 489.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 305.79999999999995 m 575.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 274.79999999999995 m 317.5 274.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 274.79999999999995 m 403.5 274.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 274.79999999999995 m 489.5 274.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 274.79999999999995 m 575.5 274.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 225.79999999999995 m 317.5 225.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 225.79999999999995 m 403.5 225.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 225.79999999999995 m 489.5 225.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 225.79999999999995 m 575.5 225.79999999999995 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.70 323.20 Td (December) Tj ET Q q 0 0 0 rg BT 448.51 323.20 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.80 310.20 Td (Non-agency-sponsor) Tj ET Q q 0 0 0 rg BT 499.14 310.20 Td (ed mortgages) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 550.38 314.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.10 296.37 Td (U.S. agency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.85 296.37 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.55 287.20 Td (sponsor) Tj ET Q q 0 0 0 rg BT 370.40 287.20 Td (ed ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.00 278.20 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.45 288.42 Td (Senior) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.45 288.42 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.80 279.25 Td (inter) Tj ET Q q 0 0 0 rg BT 448.13 279.25 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.70 288.42 Td (Subordinated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.22 288.42 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.80 279.25 Td (inter) Tj ET Q q 0 0 0 rg BT 534.13 279.25 Td (ests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 266.06 Td (W) Tj ET Q q 0 0 0 rg BT 46.77 266.06 Td (eighted average discount rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.75 266.20 Td (7.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 266.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.75 266.20 Td (9.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 266.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 266.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 254.06 Td (W) Tj ET Q q 0 0 0 rg BT 46.77 254.06 Td (eighted average constant prepayment rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.75 254.20 Td (9.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 254.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.75 254.20 Td (8.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 254.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 254.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 242.06 Td (W) Tj ET Q q 0 0 0 rg BT 46.77 242.06 Td (eighted average 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 204.96 246.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.25 242.20 Td ( NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 242.20 Td (40.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 242.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 242.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 229.06 Td (W) Tj ET Q q 0 0 0 rg BT 46.77 229.06 Td (eighted average life) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 229.20 Td (3.6 to 7.5 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 229.20 Td (6.6 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 229.20 Td () Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 158.80 281.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 158.80 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 158.80 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 158.80 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 134.80 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 134.80 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 134.80 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 134.80 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 317.5 202.79999999999995 m 403.5 202.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 202.79999999999995 m 489.5 202.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 202.79999999999995 m 575.5 202.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 189.79999999999995 m 489.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 189.79999999999995 m 575.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 158.79999999999995 m 317.5 158.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 158.79999999999995 m 403.5 158.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 158.79999999999995 m 489.5 158.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 158.79999999999995 m 575.5 158.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 109.79999999999995 m 317.5 109.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 109.79999999999995 m 403.5 109.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 109.79999999999995 m 489.5 109.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 109.79999999999995 m 575.5 109.79999999999995 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.60 207.06 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.95 194.06 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 547.16 198.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.60 172.57 Td (U.S. agency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.34 172.57 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.85 163.26 Td (sponsored mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.25 172.57 Td (Senior) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.75 172.57 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 163.26 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 172.57 Td (Subordinated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.99 172.57 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 163.26 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 150.06 Td (W) Tj ET Q q 0 0 0 rg BT 47.13 150.06 Td (eighted average discount rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 150.06 Td (12.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 150.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 150.06 Td (5.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 150.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 150.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 138.06 Td (W) Tj ET Q q 0 0 0 rg BT 46.77 138.06 Td (eighted average constant prepayment rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 138.06 Td (1) Tj ET Q q 0 0 0 rg BT 384.25 138.06 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 138.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 138.06 Td (8.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 138.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 138.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 126.06 Td (W) Tj ET Q q 0 0 0 rg BT 46.77 126.06 Td (eighted average 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 204.96 130.14 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.70 126.06 Td ( NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 126.06 Td (46.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 126.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 126.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 113.06 Td (W) Tj ET Q q 0 0 0 rg BT 46.77 113.06 Td (eighted average life) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.75 113.06 Td (3.8 to 6.9 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 113.06 Td ( 4.8 to 5.3 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 113.06 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 91.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 91.10 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 91.10 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 81.50 Td (securitization.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 71.90 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 71.90 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 62.30 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 52.70 Td (in mortgage securitizations.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 43.10 Td (NM ) Tj ET Q q 0 0 0 rg BT 54.00 43.10 Td (Anticipated net credit losses are not meaningful due to U.S. agency guarantees.) 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 24.60 Td (223) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 698.50 281.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 698.50 86.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 698.50 86.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 698.50 86.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 675.50 281.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 675.50 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 675.50 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 675.50 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 650.50 281.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 650.50 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 650.50 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 650.50 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 626.50 281.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 626.50 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 626.50 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 626.50 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 602.50 281.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 602.50 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 602.50 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 602.50 86.00 -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 317.5 742.5 m 403.5 742.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 742.5 m 489.5 742.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 742.5 m 575.5 742.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 729.5 m 489.5 729.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 729.5 m 575.5 729.5 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 317.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 698.5 m 403.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 729.5 m 489.5 729.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 698.5 m 489.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 729.5 m 575.5 729.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 698.5 m 575.5 698.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 590.5 m 317.5 590.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 590.5 m 403.5 590.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 590.5 m 489.5 590.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 590.5 m 575.5 590.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.70 746.90 Td (December) Tj ET Q q 0 0 0 rg BT 448.51 746.90 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.20 733.90 Td (Non-agency-sponsor) Tj ET Q q 0 0 0 rg BT 502.54 733.90 Td (ed mortgages) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 702.75 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.10 720.07 Td (U.S. agency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.85 720.07 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.55 710.90 Td (sponsor) Tj ET Q q 0 0 0 rg BT 370.40 710.90 Td (ed ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.00 701.90 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.45 712.12 Td (Senior) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.45 712.12 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.80 702.95 Td (inter) Tj ET Q q 0 0 0 rg BT 448.13 702.95 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.70 712.12 Td (Subordinated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.22 712.12 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.80 702.95 Td (inter) Tj ET Q q 0 0 0 rg BT 534.13 702.95 Td (ests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 689.81 Td (Discount rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 678.76 Td ( ) Tj ET Q q 0 0 0 rg BT 45.50 678.76 Td (Adverse change of 10%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 678.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.65 678.90 Td (\(16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.65 678.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 678.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.65 678.90 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 678.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.65 678.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 666.76 Td ( ) Tj ET Q q 0 0 0 rg BT 45.50 666.76 Td (Adverse change of 20%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.65 666.90 Td (\(32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.65 666.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.65 666.90 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.65 666.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 654.76 Td (Constant prepayment rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 641.76 Td ( ) Tj ET Q q 0 0 0 rg BT 45.50 641.76 Td (Adverse change of 10%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.65 641.90 Td (\(21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.65 641.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.65 641.90 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.65 641.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 629.76 Td ( ) Tj ET Q q 0 0 0 rg BT 45.50 629.76 Td (Adverse change of 20%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.65 629.90 Td (\(41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.65 629.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.65 629.90 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.65 629.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 617.76 Td (Anticipated net credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 605.76 Td ( ) Tj ET Q q 0 0 0 rg BT 45.50 605.76 Td (Adverse change of 10%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 605.90 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.65 605.90 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.65 605.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 593.76 Td ( ) Tj ET Q q 0 0 0 rg BT 45.25 593.76 Td (Adverse change of 20%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 593.90 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.65 593.90 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.65 593.90 Td () Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 521.10 281.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 521.10 86.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 521.10 86.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 521.10 86.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 497.10 281.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 497.10 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 497.10 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 497.10 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 473.10 281.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 473.10 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 473.10 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 473.10 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 449.10 281.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 449.10 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 449.10 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 449.10 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 425.10 281.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 425.10 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 425.10 86.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 425.10 86.00 -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 317.5 565.1 m 403.5 565.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 565.1 m 489.5 565.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 565.1 m 575.5 565.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 552.1 m 489.5 552.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 552.1 m 575.5 552.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 521.1 m 317.5 521.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 521.1 m 403.5 521.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 552.1 m 489.5 552.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 521.1 m 489.5 521.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 552.1 m 575.5 552.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 521.1 m 575.5 521.1 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 413.1 m 317.5 413.1 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 413.1 m 403.5 413.1 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 413.1 m 489.5 413.1 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 413.1 m 575.5 413.1 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.60 569.36 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.35 556.36 Td (Non-agency-sponsored mortgages) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 525.35 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.60 534.87 Td (U.S. agency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.34 534.87 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.85 525.56 Td (sponsored mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.25 534.87 Td (Senior) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.75 534.87 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 525.56 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 534.87 Td (Subordinated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.99 534.87 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 525.56 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 512.41 Td (Discount rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 501.36 Td ( ) Tj ET Q q 0 0 0 rg BT 45.50 501.36 Td (Adverse change of 10%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 501.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 501.36 Td (\(21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 501.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 501.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 501.36 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 501.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 501.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.65 501.36 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 488.36 Td ( ) Tj ET Q q 0 0 0 rg BT 45.50 488.36 Td (Adverse change of 20%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 488.36 Td (\(40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 488.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 488.36 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 488.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.65 488.36 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 476.36 Td (Constant prepayment rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 464.36 Td ( ) Tj ET Q q 0 0 0 rg BT 45.50 464.36 Td (Adverse change of 10%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 464.36 Td (\(21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 464.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 464.36 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 464.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.65 464.36 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 452.36 Td ( ) Tj ET Q q 0 0 0 rg BT 45.50 452.36 Td (Adverse change of 20%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 452.36 Td (\(40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 452.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 452.36 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 452.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.65 452.36 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 440.36 Td (Anticipated net credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 428.36 Td ( ) Tj ET Q q 0 0 0 rg BT 45.50 428.36 Td (Adverse change of 10%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.45 428.36 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 428.36 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 428.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.65 428.36 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 416.36 Td ( ) Tj ET Q q 0 0 0 rg BT 45.25 416.36 Td (Adverse change of 20%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.45 416.36 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 416.36 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 416.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.65 416.36 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 394.40 Td (NM ) Tj ET Q q 0 0 0 rg BT 54.00 394.40 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 54.00 370.40 Td (The following table includes information about loan delinquencies and liquidation losses for assets held in non-consolidated, non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.40 Td (agency-sponsored securitization entities as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.11 358.40 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.69 358.40 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.13 358.40 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.13 358.40 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 319.90 204.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 319.90 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 319.90 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 319.90 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 319.90 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 319.90 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 319.90 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 293.90 204.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 293.90 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 293.90 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 293.90 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 293.90 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 293.90 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 293.90 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 239.5 333.9 m 295.5 333.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 333.9 m 351.5 333.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 333.9 m 407.5 333.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 333.9 m 463.5 333.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 333.9 m 519.5 333.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 333.9 m 575.5 333.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 319.9 m 239.5 319.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 333.9 m 295.5 333.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 319.9 m 295.5 319.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 333.9 m 351.5 319.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 333.9 m 351.5 333.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 319.9 m 351.5 319.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 333.9 m 407.5 333.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 319.9 m 407.5 319.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 333.9 m 463.5 319.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 333.9 m 463.5 333.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 319.9 m 463.5 319.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 333.9 m 519.5 333.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 319.9 m 519.5 319.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 333.9 m 575.5 333.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 319.9 m 575.5 319.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 319.9 m 295.5 319.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 319.9 m 351.5 306.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 319.9 m 351.5 319.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 319.9 m 463.5 306.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 306.9 m 351.5 293.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 306.9 m 463.5 293.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 280.9 m 239.5 280.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 280.9 m 295.5 280.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 293.9 m 351.5 280.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 280.9 m 351.5 280.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 280.9 m 407.5 280.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 293.9 m 463.5 280.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 280.9 m 463.5 280.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 280.9 m 519.5 280.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 280.9 m 575.5 280.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 267.9 m 239.5 267.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 267.9 m 295.5 267.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 280.9 m 351.5 267.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 267.9 m 351.5 267.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 267.9 m 407.5 267.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 280.9 m 463.5 267.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 267.9 m 463.5 267.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 267.9 m 519.5 267.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 267.9 m 575.5 267.9 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.35 338.35 Td (Securitized assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.35 338.35 Td (90 days past due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.35 338.35 Td (Liquidation losses) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 324.15 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 324.35 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 324.36 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.00 324.35 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 324.36 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 324.35 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 324.36 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 311.30 Td (Securitized assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 298.16 Td (Residential mortgage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 298.30 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.75 298.30 Td (5.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 298.16 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 298.16 Td (4.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 298.30 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.75 298.30 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 298.16 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 298.16 Td (0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 298.30 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.75 298.30 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 298.16 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 298.16 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 285.16 Td (Commercial and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.25 285.30 Td (13.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 285.16 Td (6.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 285.30 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 285.16 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 285.30 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 285.16 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 272.30 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 272.30 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 272.30 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.25 272.30 Td (18.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 272.16 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 272.16 Td (1) Tj ET Q q 0 0 0 rg BT 336.75 272.16 Td (1.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 272.30 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.75 272.30 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 272.16 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 272.16 Td (0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 272.30 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.75 272.30 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 272.16 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 272.16 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 244.40 Td (Mortgage Servicing Rights \(MSRs\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 232.40 Td (In connection with the securitization of mortgage loans, Citi) Tj ET Q q 0 0 0 rg BT 279.55 232.40 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 220.40 Td (U.S. consumer mortgage business generally retains the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 208.40 Td (servicing rights, which entitle the Company to a future stream ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 196.40 Td (of cash flows based on the outstanding principal balances of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 184.40 Td (the loans and the contractual servicing fee. Failure to service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 172.40 Td (the loans in accordance with contractual requirements may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 160.40 Td (lead to a termination of the servicing rights and the loss of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 148.40 Td (future servicing fees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 136.40 Td (These transactions create intangible assets referred to as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 124.40 Td (MSRs, which are recorded at fair value on Citi) Tj ET Q q 0 0 0 rg BT 225.67 124.40 Td (s Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 112.40 Td (Balance Sheet. ) Tj ET Q q 0 0 0 rg BT 97.74 112.40 Td (The fair value of Citi) Tj ET Q q 0 0 0 rg BT 184.93 112.40 Td (s capitalized MSRs was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 100.40 Td ($584 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.39 100.40 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.83 100.40 Td ($558 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.22 100.40 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.44 100.40 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.02 100.40 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 88.40 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 88.40 Td (, respectively) Tj ET Q q 0 0 0 rg BT 108.66 88.40 Td (. ) Tj ET Q q 0 0 0 rg BT 113.48 88.40 Td (The MSRs correspond to principal loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 76.40 Td (balances of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.75 76.40 Td ($62 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.37 76.40 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.81 76.40 Td ($66 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.42 76.40 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.58 76.40 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 64.40 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 64.40 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.44 64.40 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.44 64.40 Td (, respectively) Tj ET Q q 0 0 0 rg BT 148.10 64.40 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 244.40 Td (The following table summarizes the changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 232.40 Td (capitalized MSRs:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 195.90 158.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 195.90 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 195.90 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 161.90 158.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 161.90 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 161.90 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 135.90 158.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 135.90 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 135.90 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 323.5 208.89999999999998 m 481.5 208.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 208.89999999999998 m 528.5 208.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 208.89999999999998 m 575.5 208.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 208.89999999999998 m 481.5 208.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 208.89999999999998 m 528.5 208.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 208.89999999999998 m 575.5 208.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 135.89999999999998 m 481.5 135.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 135.89999999999998 m 528.5 135.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 135.89999999999998 m 575.5 135.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 135.89999999999998 m 481.5 135.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 122.89999999999998 m 481.5 122.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 135.89999999999998 m 528.5 135.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 122.89999999999998 m 528.5 122.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 135.89999999999998 m 575.5 135.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 122.89999999999998 m 575.5 122.89999999999998 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 326.00 213.15 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 213.30 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 213.16 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 200.30 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 200.30 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.50 200.30 Td (558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 200.16 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 200.16 Td (1,564) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 187.16 Td (Originations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.00 187.30 Td (58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 187.16 Td (96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 174.16 Td (Changes in fair value of MSRs due to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 165.16 Td (changes in inputs and assumptions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.00 166.35 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 166.36 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 153.16 Td (Other changes) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 377.73 157.24 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 153.30 Td (\(68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.00 153.30 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 153.16 Td (\(1) Tj ET Q q 0 0 0 rg BT 563.00 153.16 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 153.16 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 140.16 Td (Sale of MSRs) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 376.01 144.24 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 140.30 Td (\(18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.00 140.30 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 140.16 Td (\(1,057) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 140.16 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 127.30 Td (Balance, as of December) Tj ET Q q 0 0 0 rg BT 419.81 127.30 Td ( 31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 127.30 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.50 127.30 Td (584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 127.16 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 127.16 Td (558) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 105.80 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 342.00 105.80 Td (Represents changes due to customer payments and passage of time.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 97.80 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 342.00 97.80 Td (See Note 2 to the Consolidated Financial Statements for additional ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 89.80 Td (information on the exit of the U.S. mortgage servicing operations and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 81.80 Td (sale of MSRs.) Tj ET Q endstream endobj 449 0 obj <> endobj 450 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (224) 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, Citigroup ) 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 36.50 580.60 95.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 580.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 580.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 580.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 554.60 95.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 554.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 554.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 554.60 52.00 -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 36.5 593.6 m 131.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 593.6 m 183.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 593.6 m 235.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 593.6 m 287.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 554.6 m 131.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 554.6 m 183.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 554.6 m 235.5 554.6 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 131.5 554.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 541.6 m 131.5 541.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 554.6 m 183.5 554.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 541.6 m 183.5 541.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 554.6 m 235.5 554.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 541.6 m 235.5 541.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 554.6 m 287.5 554.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 541.6 m 287.5 541.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 597.85 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 (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.00 597.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.00 597.86 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 584.86 Td (Servicing fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 134.00 585.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 166.50 585.00 Td (172) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 186.00 584.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.50 584.86 Td (276) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 584.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 584.86 Td (484) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 571.86 Td (Late fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.50 572.00 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 571.86 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 571.86 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 558.86 Td (Ancillary fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.50 559.00 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 558.86 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 558.86 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 546.00 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 546.00 Td (otal MSR fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 134.00 546.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 166.50 546.00 Td (184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 186.00 545.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.50 545.86 Td (299) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 545.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 545.86 Td (515) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 520.10 Td (In the Consolidated Statement of Income these fees are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (primarily classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 126.81 509.10 Td (Commissions and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.70 509.10 Td (,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 218.20 509.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.70 509.10 Td (and changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 498.10 Td (MSR fair values are classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 169.85 498.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 199.20 498.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.95 498.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 475.10 Td (Re-securitizations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 463.10 Td (The Company engages in re-securitization transactions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 451.10 Td (which debt securities are transferred to a ) Tj ET Q q 0 0 0 rg BT 200.47 451.10 Td (VIE in exchange for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 439.10 Td (new beneficial interests. Citi did not transfer non-agency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 427.10 Td (\(private label\) securities to re-securitization entities during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 415.10 Td (years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.98 415.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.56 415.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.00 415.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.00 415.10 Td (. ) Tj ET Q q 0 0 0 rg BT 208.82 415.10 Td (These securities are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 403.10 Td (backed by either residential or commercial mortgages and are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 391.10 Td (often structured on behalf of clients. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 379.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.44 379.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.03 379.10 Td (, the fair value of Citi-retained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 367.10 Td (interests in private label re-securitization transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 355.10 Td (structured by Citi totaled approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.46 355.10 Td ($16 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.85 355.10 Td ( \(all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 343.10 Td (related to re-securitization transactions executed prior to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 331.10 Td (2016\), which has been recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 176.23 331.10 Td (T) Tj ET Q q 0 0 0 rg BT 181.24 331.10 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.46 331.10 Td (. Of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 319.10 Td (this amount, all was related to subordinated beneficial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 307.10 Td (interests. ) Tj ET Q q 0 0 0 rg BT 73.77 307.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.22 307.10 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.80 307.10 Td (, the fair value of Citi-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 295.10 Td (retained interests in private label re-securitization transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 283.10 Td (structured by Citi totaled approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.46 283.10 Td ($79 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.85 283.10 Td ( \(all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 271.10 Td (related to re-securitization transactions executed prior to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 259.10 Td (2016\). Of this amount, substantially all was related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 247.10 Td (subordinated beneficial interests. ) Tj ET Q q 0 0 0 rg BT 170.22 247.10 Td (The original par value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 235.10 Td (private label re-securitization transactions in which Citi holds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 223.10 Td (a retained interest as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.23 223.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.82 223.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.26 223.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.26 223.10 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 211.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.26 211.10 Td ($271 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.65 211.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.09 211.10 Td ($887 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.48 211.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 271.14 211.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 199.10 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 36.00 187.10 Td (guaranteed mortgage-backed \(agency\) securities. During the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 175.10 Td (years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.98 175.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.56 175.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.00 175.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.00 175.10 Td (, Citi transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 163.10 Td (agency securities with a fair value of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.92 163.10 Td ($26.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 151.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 151.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.55 151.10 Td ($26.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.67 151.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 185.33 151.10 Td (, to re-securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 139.10 Td (entities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 127.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.44 127.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.03 127.10 Td (, the fair value of Citi-retained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 115.10 Td (interests in agency re-securitization transactions structured by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 103.10 Td (Citi totaled approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.48 103.10 Td ($2.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.59 103.10 Td ( \(including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.69 103.10 Td ($1.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.81 103.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 91.10 Td (related to re-securitization transactions executed in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.02 91.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.02 91.10 Td (\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 79.10 Td (compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.20 79.10 Td ($2.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.32 79.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.48 79.10 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.06 79.10 Td ( \(including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 67.10 Td ($854 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.39 67.10 Td ( related to re-securitization transactions executed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 55.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 46.28 55.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.28 55.10 Td (\), which is recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 158.47 55.10 Td (T) Tj ET Q q 0 0 0 rg BT 163.48 55.10 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.70 55.10 Td (. ) Tj ET Q q 0 0 0 rg BT 255.52 55.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 43.10 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 324.00 749.10 Td (which Citi holds a retained interest as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.85 749.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 566.43 749.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.94 737.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.94 737.10 Td ( was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.75 737.10 Td ($70.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.86 737.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.30 737.10 Td ($68.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.41 737.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 371.66 725.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 713.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.44 713.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.03 713.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.47 713.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.47 713.10 Td (, the Company did not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (consolidate any private label or agency re-securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (entities.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Citi-Administered ) Tj ET Q q 0 0 0 rg BT 399.47 665.10 Td (Asset-Backed Commercial Paper Conduits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 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 324.00 641.10 Td (conduit business as administrator of several multi-seller ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 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 324.00 617.10 Td (single-seller and other commercial paper conduits sponsored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (by third parties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 593.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 593.10 Td (s multi-seller commercial paper conduits are designed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (to provide the Company) Tj ET Q q 0 0 0 rg BT 423.71 581.10 Td (s clients access to low-cost funding in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (the commercial paper markets. ) Tj ET Q q 0 0 0 rg BT 449.60 569.10 Td (The conduits purchase assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 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 324.00 545.10 Td (by issuing commercial paper to third-party investors. ) Tj ET Q q 0 0 0 rg BT 538.21 545.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (conduits generally do not purchase assets originated by Citi. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (The funding of the conduits is facilitated by the liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (support and credit enhancements provided by the Company) Tj ET Q q 0 0 0 rg BT 561.34 509.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 497.10 Td (As administrator to Citi) Tj ET Q q 0 0 0 rg BT 439.50 497.10 Td (s conduits, the Company is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (generally responsible for selecting and structuring assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (purchased or financed by the conduits, making decisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (regarding the funding of the conduits, including determining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 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 324.00 437.10 Td (monitoring the quality and performance of the conduits) Tj ET Q q 0 0 0 rg BT 547.92 437.10 Td ( assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (and facilitating the operations and cash flows of the conduits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (In return, the Company earns structuring fees from customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (for individual transactions and earns an administration fee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (from the conduit, which is equal to the income from the client ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (program and liquidity fees of the conduit after payment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (conduit expenses. ) Tj ET Q q 0 0 0 rg BT 397.41 365.10 Td (This administration fee is fairly stable, since ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (most risks and rewards of the underlying assets are passed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (back to the clients. Once the asset pricing is negotiated, most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (ongoing income, costs and fees are relatively stable as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (percentage of the conduit) Tj ET Q q 0 0 0 rg BT 428.12 317.10 Td (s size.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 305.10 Td (The conduits administered by Citi do not generally invest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (in liquid securities that are formally rated by third parties. ) Tj ET Q q 0 0 0 rg BT 557.36 293.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (assets are privately negotiated and structured transactions that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (are generally designed to be held by the conduit, rather than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (actively traded and sold. ) Tj ET Q q 0 0 0 rg BT 424.06 257.10 Td (The yield earned by the conduit on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (each asset is generally tied to the rate on the commercial paper ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (issued by the conduit, thus passing interest rate risk to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (client. Each asset purchased by the conduit is structured with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (transaction-specific credit enhancement features provided by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (the third-party client seller) Tj ET Q q 0 0 0 rg BT 429.95 197.10 Td (, including over) Tj ET Q q 0 0 0 rg BT 492.79 197.10 Td (-collateralization, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (cash and excess spread collateral accounts, direct recourse or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (third-party guarantees. ) Tj ET Q q 0 0 0 rg BT 416.84 173.10 Td (These credit enhancements are sized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (with the objective of approximating a credit rating of ) Tj ET Q q 0 0 0 rg BT 538.10 161.10 Td (A) Tj ET Q q 0 0 0 rg BT 544.77 161.10 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (above, based on Citi) Tj ET Q q 0 0 0 rg BT 408.43 149.10 Td (s internal risk ratings. ) Tj ET Q q 0 0 0 rg BT 497.03 149.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.53 149.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 137.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.44 137.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.44 137.10 Td (, the conduits had approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.74 137.10 Td ($18.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 567.85 137.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.94 125.10 Td ($19.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.05 125.10 Td ( of purchased assets outstanding, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 371.66 113.10 Td (, and had incremental funding commitments with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (clients of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.69 101.10 Td ($14.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.81 101.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.24 101.10 Td ($14.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.36 101.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 371.66 89.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 77.10 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 324.00 65.10 Td (form of short-term commercial paper) Tj ET Q q 0 0 0 rg BT 472.28 65.10 Td (. ) Tj ET Q q 0 0 0 rg BT 476.72 65.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.22 65.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 567.81 65.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.94 53.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.94 53.10 Td (, the weighted average remaining lives of the ) 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 24.60 Td (225) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (commercial paper issued by the conduits were approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 46.00 737.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.44 737.10 Td (51 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.27 737.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 148.93 737.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 725.10 Td (The primary credit enhancement provided to the conduit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 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 36.00 701.10 Td (enhancements described above. In addition to the transaction-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (specific credit enhancements, the conduits, other than the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 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 36.00 665.10 Td (credit from the Company) Tj ET Q q 0 0 0 rg BT 136.16 665.10 Td (, which is equal to at least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.24 665.10 Td (8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.57 665.10 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.35 665.10 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.68 665.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (of the conduit) Tj ET Q q 0 0 0 rg BT 94.32 653.10 Td (s assets with a minimum of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.98 653.10 Td ($200 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.37 653.10 Td (. ) Tj ET Q q 0 0 0 rg BT 262.19 653.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 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 36.00 629.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.26 629.10 Td ($1.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.37 629.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.53 629.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.12 629.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.55 629.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.55 629.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (The net result across multi-seller conduits administered by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (Company is that, in the event defaulted assets exceed the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (transaction-specific credit enhancements described above, any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (losses in each conduit are allocated first to the Company and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (then to the commercial paper investors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 557.10 Td (Citigroup also provides the conduits with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.76 557.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.76 557.10 Td ( forms of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (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 36.00 533.10 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 36.00 521.10 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 36.00 509.10 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 36.00 497.10 Td (purchase agreement \(AP) Tj ET Q q 0 0 0 rg BT 133.37 497.10 Td (A\). Under the ) Tj ET Q q 0 0 0 rg BT 190.58 497.10 Td (AP) Tj ET Q q 0 0 0 rg BT 202.45 497.10 Td (A, the Company has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (generally agreed to purchase non-defaulted eligible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (receivables from the conduit at par) Tj ET Q q 0 0 0 rg BT 174.55 473.10 Td (. ) Tj ET Q q 0 0 0 rg BT 179.37 473.10 Td (The ) Tj ET Q q 0 0 0 rg BT 196.87 473.10 Td (AP) Tj ET Q q 0 0 0 rg BT 208.73 473.10 Td (A) Tj ET Q q 0 0 0 rg BT 215.40 473.10 Td ( is not designed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 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 36.00 449.10 Td (not permit the purchase of defaulted or impaired assets. ) Tj ET Q q 0 0 0 rg BT 259.82 449.10 Td (Any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (funding under the ) Tj ET Q q 0 0 0 rg BT 109.04 437.10 Td (AP) Tj ET Q q 0 0 0 rg BT 120.91 437.10 Td (A) Tj ET Q q 0 0 0 rg BT 127.58 437.10 Td ( will likely subject the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 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 36.00 413.10 Td (Company provides the conduits with program-wide liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 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 36.00 389.10 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 36.00 377.10 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 36.00 365.10 Td (market, subject to specified conditions. ) Tj ET Q q 0 0 0 rg BT 194.95 365.10 Td (The Company receives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 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 36.00 341.10 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 54.00 329.10 Td (Finally) Tj ET Q q 0 0 0 rg BT 81.69 329.10 Td (, Citi is one of several named dealers in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (commercial paper issued by the conduits and earns a market-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (based fee for providing such services. ) Tj ET Q q 0 0 0 rg BT 189.01 305.10 Td (Along with third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (dealers, the Company makes a market in the commercial paper ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (and may from time to time fund commercial paper pending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (sale to a third party) Tj ET Q q 0 0 0 rg BT 112.55 269.10 Td (. On specific dates with less liquidity in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (market, the Company may hold in inventory commercial paper ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (issued by conduits administered by the Company) Tj ET Q q 0 0 0 rg BT 231.99 245.10 Td (, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (conduits administered by third parties. Separately) Tj ET Q q 0 0 0 rg BT 233.63 233.10 Td (, in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (normal course of business, Citi purchases commercial paper) Tj ET Q q 0 0 0 rg BT 276.08 221.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (including commercial paper issued by Citigroup's conduits. ) Tj ET Q q 0 0 0 rg BT 275.54 209.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 197.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.02 197.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.02 197.10 Td (, the Company owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.29 197.10 Td ($5.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 185.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.55 185.10 Td ($9.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.67 185.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 180.33 185.10 Td (, of the commercial paper ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (issued by its administered conduits. ) Tj ET Q q 0 0 0 rg BT 180.80 173.10 Td (The Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (investments were not driven by market illiquidity and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (Company is not obligated under any agreement to purchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (the commercial paper issued by the conduits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 125.10 Td (The asset-backed commercial paper conduits are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (consolidated by Citi. ) Tj ET Q q 0 0 0 rg BT 121.37 113.10 Td (The Company has determined that, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (through its roles as administrator and liquidity provider) Tj ET Q q 0 0 0 rg BT 256.95 101.10 Td (, it has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 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 36.00 77.10 Td (the entities) Tj ET Q q 0 0 0 rg BT 82.19 77.10 Td ( economic performance. ) Tj ET Q q 0 0 0 rg BT 181.40 77.10 Td (These powers include its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (ability to structure and approve the assets purchased by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (conduits, its ongoing surveillance and credit mitigation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 41.10 Td (activities, its ability to sell or repurchase assets out of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (conduits and its liability management. In addition, as a result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (of all the Company) Tj ET Q q 0 0 0 rg BT 403.71 737.10 Td (s involvement described above, it was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (concluded that Citi has an economic interest that could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (potentially be significant. However) Tj ET Q q 0 0 0 rg BT 464.67 713.10 Td (, the assets and liabilities of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (the conduits are separate and apart from those of Citigroup. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (No assets of any conduit are available to satisfy the creditors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (of Citigroup or any of its other subsidiaries.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Collateralized Loan Obligations \(CLOs\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (A) Tj ET Q q 0 0 0 rg BT 330.67 641.10 Td ( collateralized loan obligation \(CLO\) is a ) Tj ET Q q 0 0 0 rg BT 497.38 641.10 Td (VIE that purchases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 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 324.00 617.10 Td (grade corporate loans. CLOs issue multiple tranches of debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (and equity to investors to fund the asset purchases and pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (upfront expenses associated with forming the CLO. ) Tj ET Q q 0 0 0 rg BT 532.29 593.10 Td (A) Tj ET Q q 0 0 0 rg BT 538.96 593.10 Td ( third-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (party asset manager is contracted by the CLO to purchase the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (underlying assets from the open market and monitor the credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (risk associated with those assets. Over the term of a CLO, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (asset manager directs purchases and sales of assets in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (manner consistent with the CLO) Tj ET Q q 0 0 0 rg BT 456.75 533.10 Td (s asset management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (agreement and indenture. In general, the CLO asset manager ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (will have the power to direct the activities of the entity that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (most significantly impact the economic performance of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (CLO. Investors in a CLO, through their ownership of debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (and/or equity in it, can also direct certain activities of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (CLO, including removing its asset manager under limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (circumstances, optionally redeeming the notes, voting on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (amendments to the CLO) Tj ET Q q 0 0 0 rg BT 424.82 437.10 Td (s operating documents and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 364.55 425.10 Td (A) Tj ET Q q 0 0 0 rg BT 371.22 425.10 Td ( CLO has a finite life, typically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 425.10 Td (12 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.00 425.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 413.10 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 324.00 401.10 Td (respect to the CLOs. ) Tj ET Q q 0 0 0 rg BT 408.52 401.10 Td (T) Tj ET Q q 0 0 0 rg BT 413.93 401.10 Td (ypically) Tj ET Q q 0 0 0 rg BT 445.49 401.10 Td (, the debt and equity of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (CLOs are sold to third-party investors. On occasion, certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (Citi entities may purchase some portion of a CLO) Tj ET Q q 0 0 0 rg BT 526.18 377.10 Td (s liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (for investment purposes. In addition, Citi may purchase, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (typically in the secondary market, certain securities issued by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (the CLOs to support its market making activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 329.10 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 324.00 317.10 Td (the activities that most significantly impact the economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (performance of the CLOs, as this power is generally held by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (third-party asset manager of the CLO. ) Tj ET Q q 0 0 0 rg BT 478.12 293.10 Td (As such, those CLOs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (are not consolidated.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td ( ) Tj ET Q q 0 0 0 rg BT 342.00 269.10 Td (The following tables summarize selected cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (information and retained interests related to Citigroup CLOs:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 323.00 234.60 139.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.00 234.60 38.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 234.60 38.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 538.00 234.60 38.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.00 206.60 139.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.00 206.60 38.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 206.60 38.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 538.00 206.60 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 323 234.60000000000002 m 462 234.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462 234.60000000000002 m 500 234.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 234.60000000000002 m 538 234.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 538 234.60000000000002 m 576 234.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323 183.60000000000002 m 462 183.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 462 183.60000000000002 m 500 183.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500 183.60000000000002 m 538 183.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 538 183.60000000000002 m 576 183.60000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 325.50 238.55 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.50 238.00 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 237.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 237.86 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.50 225.06 Td (Principal securitized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.50 225.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.50 225.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.50 225.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 225.06 Td (133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.50 225.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 225.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.50 211.06 Td (Proceeds from new securitizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.50 211.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 211.06 Td (133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 211.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.50 197.06 Td (Cash flows received on retained) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 188.06 Td (interests and other net cash flows) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.00 188.05 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 188.06 Td (107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 188.06 Td (39) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 152.60 152.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 152.60 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 152.60 50.00 -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 323.5 152.60000000000002 m 475.5 152.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 152.60000000000002 m 525.5 152.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 152.60000000000002 m 575.5 152.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 139.60000000000002 m 475.5 139.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 139.60000000000002 m 525.5 139.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 139.60000000000002 m 575.5 139.60000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 326.00 156.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.85 165.00 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 156.00 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.85 164.86 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.00 155.86 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 144.00 Td (Carrying value of r) Tj ET Q q 0 0 0 rg BT 400.07 144.00 Td (etained inter) Tj ET Q q 0 0 0 rg BT 448.65 144.00 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 144.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.75 144.00 Td (3,142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 143.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 143.86 Td (4,079) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 120.10 Td ( ) Tj ET Q q 0 0 0 rg BT 342.00 120.10 Td (Key assumptions used in measuring the fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 108.10 Td (retained interests at the date of sale or securitization of CLOs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 96.10 Td (were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 62.60 144.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 62.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 62.60 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 323.5 62.60000000000002 m 467.5 62.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 62.60000000000002 m 521.5 62.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 62.60000000000002 m 575.5 62.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 49.60000000000002 m 467.5 49.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 49.60000000000002 m 521.5 49.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 49.60000000000002 m 575.5 49.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.85 76.05 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 67.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.85 76.06 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 67.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 53.86 Td (W) Tj ET Q q 0 0 0 rg BT 333.77 53.86 Td (eighted average discount rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 54.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 53.86 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 53.86 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 453 0 obj <> endobj 454 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 36.00 749.10 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 749.10 Td (The key assumptions used to value retained interests in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (CLOs, and the sensitivity of the fair value to adverse changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (of 10% and 20%, are set forth in the tables below:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 691.60 144.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 179.50 691.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 691.60 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 35.5 691.6 m 179.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 179.5 691.6 m 233.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 691.6 m 287.5 691.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 678.6 m 179.5 678.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 179.5 678.6 m 233.5 678.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 678.6 m 287.5 678.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.85 705.05 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.00 696.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.85 705.06 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 696.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 682.86 Td (W) Tj ET Q q 0 0 0 rg BT 45.77 682.86 Td (eighted average discount rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 683.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.25 682.86 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.50 682.86 Td (%) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 647.60 144.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 179.50 647.60 54.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 647.60 54.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 624.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 179.50 624.60 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 624.60 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 35.5 647.6 m 179.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 179.5 647.6 m 233.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 647.6 m 287.5 647.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 612.6 m 179.5 612.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 179.5 612.6 m 233.5 612.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 612.6 m 287.5 612.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 651.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.85 660.00 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.00 651.00 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.85 659.86 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 650.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 638.91 Td (Discount rates) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 627.86 Td ( ) Tj ET Q q 0 0 0 rg BT 44.50 627.86 Td (Adverse change of 10%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 182.00 628.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.65 628.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.00 627.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.15 627.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.65 627.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 615.86 Td ( ) Tj ET Q q 0 0 0 rg BT 44.25 615.86 Td (Adverse change of 20%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.65 616.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.15 615.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.65 615.86 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 591.10 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 591.10 Td (All of Citi) Tj ET Q q 0 0 0 rg BT 97.89 591.10 Td (s retained interests were held-to-maturity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 579.10 Td (securities as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.92 579.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.51 579.10 Td ( and substantially all were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 567.10 Td (held-to-maturity securities as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.96 567.10 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.54 567.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 543.10 Td (Asset-Based Financing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 531.10 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 36.00 519.10 Td (VIEs that hold assets. ) Tj ET Q q 0 0 0 rg BT 124.97 519.10 Td (Those loans are subject to the same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 507.10 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 36.00 495.10 Td (the Company) Tj ET Q q 0 0 0 rg BT 88.95 495.10 Td (. Financings in the form of debt securities or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 483.10 Td (derivatives are, in most circumstances, reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 239.54 483.10 Td (T) Tj ET Q q 0 0 0 rg BT 244.55 483.10 Td (rading ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 471.10 Td (account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.05 471.10 Td ( and accounted for at fair value through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 74.70 459.10 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 36.00 447.10 Td (direct the activities that most significantly impact these ) Tj ET Q q 0 0 0 rg BT 259.09 447.10 Td (VIEs) Tj ET Q q 0 0 0 rg BT 282.23 447.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 435.10 Td (economic performance; thus, it does not consolidate them.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 423.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 423.10 Td (The primary types of Citi) Tj ET Q q 0 0 0 rg BT 158.42 423.10 Td (s asset-based financings, total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 411.10 Td (assets of the unconsolidated ) Tj ET Q q 0 0 0 rg BT 150.24 411.10 Td (VIEs with significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 399.10 Td (involvement and Citi) Tj ET Q q 0 0 0 rg BT 123.21 399.10 Td (s maximum exposure to loss are shown ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.10 Td (below) Tj ET Q q 0 0 0 rg BT 59.79 387.10 Td (. For Citi to realize the maximum loss, the ) Tj ET Q q 0 0 0 rg BT 230.97 387.10 Td (VIE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 375.10 Td (\(borrower\) would have to default with no recovery from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 363.10 Td (assets held by the ) Tj ET Q q 0 0 0 rg BT 108.58 363.10 Td (VIE.) Tj ET Q 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 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 247.60 125.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 247.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 247.60 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 161.5 338.6 m 226.5 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 338.6 m 291.5 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 299.6 m 161.5 299.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 299.6 m 226.5 299.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 299.6 m 291.5 299.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 234.60000000000002 m 161.5 234.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 221.60000000000002 m 161.5 221.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 234.60000000000002 m 226.5 234.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 221.60000000000002 m 226.5 221.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 234.60000000000002 m 291.5 234.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 221.60000000000002 m 291.5 221.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.70 343.05 Td (December) Tj ET Q q 0 0 0 rg BT 228.51 343.05 Td ( 31, 2018) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 303.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.65 323.22 Td (T) Tj ET Q q 0 0 0 rg BT 188.83 323.22 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.32 323.22 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.45 313.22 Td (unconsolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.47 313.22 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 173.35 304.05 Td (VIE assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.50 329.17 Td (Maximum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.49 329.17 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.45 319.17 Td (exposur) Tj ET Q q 0 0 0 rg BT 266.79 319.17 Td (e to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.53 319.17 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.45 310.00 Td (unconsolidated ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.70 301.05 Td (VIEs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 290.86 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 290.86 Td (ype) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 277.86 Td (Commercial and other real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.00 278.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.25 278.00 Td (23,918) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.00 278.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.75 278.00 Td (6,928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 264.86 Td (Corporate loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.75 265.00 Td (6,731) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.75 265.00 Td (5,744) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 251.86 Td (Hedge funds and equities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 209.50 252.00 Td (388) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 252.00 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 238.86 Td (Airplanes, ships and other assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.25 239.00 Td (41,534) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 239.00 Td (19,387) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 226.00 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 226.00 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.00 226.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.25 226.00 Td (72,571) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.00 226.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 226.00 Td (32,1) Tj ET Q q 0 0 0 rg BT 279.00 226.00 Td (12) Tj ET Q BT /F1 10.00 Tf ET 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 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 106.60 125.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 106.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 106.60 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 161.5 197.60000000000002 m 226.5 197.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 197.60000000000002 m 291.5 197.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 158.60000000000002 m 161.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 158.60000000000002 m 226.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 158.60000000000002 m 291.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 158.60000000000002 m 161.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 158.60000000000002 m 226.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 158.60000000000002 m 291.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 93.60000000000002 m 161.5 93.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 93.60000000000002 m 226.5 93.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 93.60000000000002 m 291.5 93.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 93.60000000000002 m 161.5 93.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 80.60000000000002 m 161.5 80.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 93.60000000000002 m 226.5 93.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 80.60000000000002 m 226.5 80.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 93.60000000000002 m 291.5 93.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 80.60000000000002 m 291.5 80.60000000000002 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 190.60 202.06 Td (December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 162.85 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.30 182.37 Td (T) Tj ET Q q 0 0 0 rg BT 189.17 182.37 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.66 182.37 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 166.25 172.37 Td (unconsolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.74 172.37 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 174.35 163.06 Td (VIE assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 239.75 188.17 Td (Maximum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.25 188.17 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.60 178.17 Td (exposure to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.34 178.17 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.25 168.86 Td (unconsolidated ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 159.91 Td (VIEs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 149.86 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 149.86 Td (ype) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 136.86 Td (Commercial and other real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 164.00 136.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.25 136.86 Td (15,370) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 136.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.75 136.86 Td (5,445) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 123.86 Td (Corporate loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 202.75 123.86 Td (4,725) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.75 123.86 Td (3,587) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 110.86 Td (Hedge funds and equities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.50 110.86 Td (542) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.00 110.86 Td (58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 97.86 Td (Airplanes, ships and other assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.25 97.86 Td (39,202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 97.86 Td (16,849) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 84.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 84.86 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 164.00 84.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.25 84.86 Td (59,839) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 84.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 84.86 Td (25,939) 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 (Municipal Securities T) Tj ET Q q 0 0 0 rg BT 417.54 749.25 Td (ender Option Bond \(T) Tj ET Q q 0 0 0 rg BT 508.19 749.25 Td (OB\) T) Tj ET Q q 0 0 0 rg BT 533.65 749.25 Td (rusts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Municipal ) Tj ET Q q 0 0 0 rg BT 367.42 737.25 Td (T) Tj ET Q q 0 0 0 rg BT 373.35 737.25 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 324.00 725.25 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 324.00 713.25 Td (and municipalities. ) Tj ET Q q 0 0 0 rg BT 402.41 713.25 Td (T) Tj ET Q q 0 0 0 rg BT 408.34 713.25 Td (OB trusts are typically structured as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 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 324.00 689.25 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 324.00 677.25 Td (securities market. ) Tj ET Q q 0 0 0 rg BT 396.85 677.25 Td (T) Tj ET Q q 0 0 0 rg BT 402.77 677.25 Td (OB trusts finance the purchase of their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (municipal assets by issuing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.66 665.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.66 665.25 Td ( classes of certificates: long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (dated, floating rate certificates \(Floaters\) that are putable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 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 324.00 629.25 Td (\(Residuals\). ) Tj ET Q q 0 0 0 rg BT 383.24 629.25 Td (The Floaters are purchased by third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (investors, typically tax-exempt money market funds. ) Tj ET Q q 0 0 0 rg BT 537.10 617.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 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 324.00 593.25 Td (municipal securities that are being financed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 581.25 Td (From Citigroup) Tj ET Q q 0 0 0 rg BT 407.28 581.25 Td (s perspective, there are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.40 581.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.40 581.25 Td ( types of ) Tj ET Q q 0 0 0 rg BT 553.16 581.25 Td (T) Tj ET Q q 0 0 0 rg BT 559.08 581.25 Td (OB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (trusts: customer and non-customer) Tj ET Q q 0 0 0 rg BT 461.48 569.25 Td (. Customer ) Tj ET Q q 0 0 0 rg BT 507.68 569.25 Td (T) Tj ET Q q 0 0 0 rg BT 513.61 569.25 Td (OB trusts are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (those trusts utilized by customers of the Company to finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (their securities, generally municipal securities. ) Tj ET Q q 0 0 0 rg BT 512.36 545.25 Td (The Residuals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (issued by these trusts are purchased by the customer being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (financed. Non-customer ) Tj ET Q q 0 0 0 rg BT 422.95 521.25 Td (T) Tj ET Q q 0 0 0 rg BT 428.88 521.25 Td (OB trusts are generally used by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (Company to finance its own municipal securities investments; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (the Residuals issued by non-customer ) Tj ET Q q 0 0 0 rg BT 477.41 497.25 Td (T) Tj ET Q q 0 0 0 rg BT 483.34 497.25 Td (OB trusts are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (purchased by the Company) Tj ET Q q 0 0 0 rg BT 432.49 485.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 473.25 Td (W) Tj ET Q q 0 0 0 rg BT 351.04 473.25 Td (ith respect to both customer and non-customer ) Tj ET Q q 0 0 0 rg BT 538.87 473.25 Td (T) Tj ET Q q 0 0 0 rg BT 544.79 473.25 Td (OB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (trusts, Citi may provide remarketing agent services. If Floaters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (are optionally tendered and the Company) Tj ET Q q 0 0 0 rg BT 488.58 449.25 Td (, in its role as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (remarketing agent, is unable to find a new investor to purchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (the optionally tendered Floaters within a specified period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (time, Citigroup may) Tj ET Q q 0 0 0 rg BT 404.18 413.25 Td (, but is not obligated to, purchase the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (tendered Floaters into its own inventory) Tj ET Q q 0 0 0 rg BT 483.04 401.25 Td (. ) Tj ET Q q 0 0 0 rg BT 487.86 401.25 Td (The level of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (Company) Tj ET Q q 0 0 0 rg BT 365.67 389.25 Td (s inventory of such Floaters fluctuates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 377.25 Td (For certain customer ) Tj ET Q q 0 0 0 rg BT 427.07 377.25 Td (T) Tj ET Q q 0 0 0 rg BT 433.00 377.25 Td (OB trusts, Citi may also serve as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (voluntary advance provider) Tj ET Q q 0 0 0 rg BT 433.40 365.25 Td (. In this capacity) Tj ET Q q 0 0 0 rg BT 498.84 365.25 Td (, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (may) Tj ET Q q 0 0 0 rg BT 340.57 353.25 Td (, but is not obligated to, make loan advances to customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (T) Tj ET Q q 0 0 0 rg BT 329.93 341.25 Td (OB trusts to purchase optionally tendered Floaters that have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (not otherwise been successfully remarketed to new investors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (Such loans are secured by pledged Floaters. ) Tj ET Q q 0 0 0 rg BT 501.17 317.25 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.58 305.25 Td (, Citi had no outstanding voluntary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (advances to customer ) Tj ET Q q 0 0 0 rg BT 412.40 293.25 Td (T) Tj ET Q q 0 0 0 rg BT 418.33 293.25 Td (OB trusts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 281.25 Td (For certain non-customer trusts, the Company also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 Td (provides credit enhancement. ) Tj ET Q q 0 0 0 rg BT 443.40 269.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.90 269.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.48 269.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 257.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 257.25 Td (none) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.44 257.25 Td ( of the municipal bonds owned by non-customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.25 Td (T) Tj ET Q q 0 0 0 rg BT 329.93 245.25 Td (OB trusts were subject to a credit guarantee provided by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.25 Td (Company) Tj ET Q q 0 0 0 rg BT 362.24 233.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 221.25 Td (Citigroup also provides liquidity services to many ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.25 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 324.00 197.25 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 324.00 185.25 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 324.00 173.25 Td (of the trust and bond sale proceeds are used to redeem the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.25 Td (outstanding trust certificates. If this results in a shortfall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.25 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 324.00 137.25 Td (the tendered Floaters, the Company) Tj ET Q q 0 0 0 rg BT 465.81 137.25 Td (, pursuant to the liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.25 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 324.00 113.25 Td (to satisfy that shortfall. For certain customer ) Tj ET Q q 0 0 0 rg BT 503.78 113.25 Td (T) Tj ET Q q 0 0 0 rg BT 509.70 113.25 Td (OB trusts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.25 Td (Citigroup has also executed a reimbursement agreement with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.25 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 324.00 77.25 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 324.00 65.25 Td (the Company makes under the liquidity arrangement. ) Tj ET Q q 0 0 0 rg BT 539.32 65.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.25 Td (reimbursement agreements may be subject to daily mar) Tj ET Q q 0 0 0 rg BT 545.13 53.25 Td (gining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 41.25 Td (based on changes in the market value of the underlying ) 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 (227) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 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 36.00 737.10 Td (liquidity to a non-customer ) Tj ET Q q 0 0 0 rg BT 146.91 737.10 Td (T) Tj ET Q q 0 0 0 rg BT 152.84 737.10 Td (OB trust, a similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (reimbursement arrangement may be executed, whereby the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 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 36.00 701.10 Td (Residual holder) Tj ET Q q 0 0 0 rg BT 98.64 701.10 Td (, would absorb any losses incurred by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (liquidity provider) Tj ET Q q 0 0 0 rg BT 105.72 689.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 677.10 Td (For certain other non-customer ) Tj ET Q q 0 0 0 rg BT 180.45 677.10 Td (T) Tj ET Q q 0 0 0 rg BT 186.37 677.10 Td (OB trusts, Citi serves as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (tender option provider) Tj ET Q q 0 0 0 rg BT 124.87 665.10 Td (. ) Tj ET Q q 0 0 0 rg BT 129.69 665.10 Td (The tender option provider ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (arrangement allows Floater holders to put their interests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 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 36.00 629.10 Td (notice period requirements, at a price of par) Tj ET Q q 0 0 0 rg BT 210.37 629.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 617.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.50 617.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.08 617.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.52 617.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.52 617.10 Td (, liquidity agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (provided with respect to customer ) Tj ET Q q 0 0 0 rg BT 174.39 605.10 Td (T) Tj ET Q q 0 0 0 rg BT 180.32 605.10 Td (OB trusts totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.59 605.10 Td ($4.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 593.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.55 593.10 Td ($3.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.67 593.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 180.33 593.10 Td (, of which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.09 593.10 Td ($2.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.21 593.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td ($2.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.11 581.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 134.77 581.10 Td (, were of) Tj ET Q q 0 0 0 rg BT 169.85 581.10 Td (fset by reimbursement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (agreements. For the remaining exposure related to ) Tj ET Q q 0 0 0 rg BT 239.08 569.10 Td (T) Tj ET Q q 0 0 0 rg BT 245.01 569.10 Td (OB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (transactions, where the residual owned by the customer was at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.83 545.10 Td (25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.16 545.10 Td ( of the bond value at the inception of the transaction, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (no reimbursement agreement was executed. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 521.10 Td (Citi considers both customer and non-customer ) Tj ET Q q 0 0 0 rg BT 245.45 521.10 Td (T) Tj ET Q q 0 0 0 rg BT 251.38 521.10 Td (OB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (trusts to be ) Tj ET Q q 0 0 0 rg BT 82.21 509.10 Td (VIEs. Customer ) Tj ET Q q 0 0 0 rg BT 148.96 509.10 Td (T) Tj ET Q q 0 0 0 rg BT 154.89 509.10 Td (OB trusts are not consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (by the Company) Tj ET Q q 0 0 0 rg BT 101.45 497.10 Td (, as the power to direct the activities that most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (significantly impact the trust) Tj ET Q q 0 0 0 rg BT 153.48 485.10 Td (s economic performance rests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (with the customer Residual holder) Tj ET Q q 0 0 0 rg BT 172.79 473.10 Td (, which may unilaterally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (cause the sale of the trust) Tj ET Q q 0 0 0 rg BT 139.57 461.10 Td (s bonds.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 449.10 Td (Non-customer ) Tj ET Q q 0 0 0 rg BT 113.53 449.10 Td (T) Tj ET Q q 0 0 0 rg BT 119.45 449.10 Td (OB trusts generally are consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 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 36.00 425.10 Td (the unilateral power to cause the sale of the trust) Tj ET Q q 0 0 0 rg BT 232.32 425.10 Td (s bonds.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 413.10 Td (The Company also provides other liquidity agreements or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (letters of credit to customer) Tj ET Q q 0 0 0 rg BT 145.76 401.10 Td (-sponsored municipal investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (funds, which are not variable interest entities, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (municipality-related issuers that totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.51 377.10 Td ($6.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.62 377.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 365.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.02 365.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.02 365.10 Td (. ) Tj ET Q q 0 0 0 rg BT 158.84 365.10 Td (These liquidity agreements and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (letters of credit are of) Tj ET Q q 0 0 0 rg BT 121.88 353.10 Td (fset by reimbursement agreements with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (various term-out provisions.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (Municipal Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (Municipal investment transactions include debt and equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (interests in partnerships that finance the construction and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 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 36.00 269.10 Td (or underserved markets or finance the construction or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (operation of renewable municipal ener) Tj ET Q q 0 0 0 rg BT 190.19 257.10 Td (gy facilities. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (generally invests in these partnerships as a limited partner and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (earns a return primarily through the receipt of tax credits and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (grants earned from the investments made by the partnership. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (The Company may also provide construction loans or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (permanent loans for the development or operation of real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (estate properties held by partnerships. ) Tj ET Q q 0 0 0 rg BT 189.66 185.10 Td (These entities are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (generally considered ) Tj ET Q q 0 0 0 rg BT 121.34 173.10 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 146.71 173.10 Td (The power to direct the activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (of these entities is typically held by the general partner) Tj ET Q q 0 0 0 rg BT 254.54 161.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 85.34 149.10 Td (, these entities are not consolidated by Citigroup.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Client Intermediation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Client intermediation transactions represent a range of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (transactions designed to provide investors with specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (returns based on the returns of an underlying security) Tj ET Q q 0 0 0 rg BT 536.62 713.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (referenced asset or index. ) Tj ET Q q 0 0 0 rg BT 428.49 701.25 Td (These transactions include credit-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 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 324.00 677.25 Td (VIE typically obtains exposure to the underlying security) Tj ET Q q 0 0 0 rg BT 552.46 677.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 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 324.00 653.25 Td (as a total-return swap or a credit-default swap. In turn, the ) Tj ET Q q 0 0 0 rg BT 558.45 653.25 Td (VIE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 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 324.00 629.25 Td (specified underlying security) Tj ET Q q 0 0 0 rg BT 439.42 629.25 Td (, referenced asset or index. ) Tj ET Q q 0 0 0 rg BT 548.91 629.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 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 324.00 605.25 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 324.00 593.25 Td (contract over the term of the transaction. ) Tj ET Q q 0 0 0 rg BT 488.75 593.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 548.46 593.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (involvement in these transactions includes being the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (counterparty to the ) Tj ET Q q 0 0 0 rg BT 401.85 569.25 Td (VIE) Tj ET Q q 0 0 0 rg BT 421.29 569.25 Td (s derivative instruments and investing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (in a portion of the notes issued by the ) Tj ET Q q 0 0 0 rg BT 476.29 557.25 Td (VIE. In certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (transactions, the investor) Tj ET Q q 0 0 0 rg BT 424.07 545.25 Td () Tj ET Q q 0 0 0 rg BT 426.85 545.25 Td (s maximum risk of loss is limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 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 324.00 521.25 Td (Citi does not have the power to direct the activities of the ) Tj ET Q q 0 0 0 rg BT 555.42 521.25 Td (VIEs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (that most significantly impact their economic performance and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (thus it does not consolidate them.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 485.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 485.25 Td (s maximum risk of loss in these transactions is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (defined as the amount invested in notes issued by the ) Tj ET Q q 0 0 0 rg BT 538.78 473.25 Td (VIE and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (the notional amount of any risk of loss absorbed by Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (through a separate instrument issued by the ) Tj ET Q q 0 0 0 rg BT 499.61 449.25 Td (VIE. ) Tj ET Q q 0 0 0 rg BT 521.09 449.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (derivative instrument held by the Company may generate a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (receivable from the ) Tj ET Q q 0 0 0 rg BT 404.05 425.25 Td (VIE \(for example, where the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (purchases credit protection from the ) Tj ET Q q 0 0 0 rg BT 470.71 413.25 Td (VIE in connection with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (the ) Tj ET Q q 0 0 0 rg BT 338.54 401.25 Td (VIE) Tj ET Q q 0 0 0 rg BT 357.97 401.25 Td (s issuance of a credit-linked note\), which is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (collateralized by the assets owned by the ) Tj ET Q q 0 0 0 rg BT 489.60 389.25 Td (VIE. ) Tj ET Q q 0 0 0 rg BT 511.08 389.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (derivative instruments are not considered variable interests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (and any associated receivables are not included in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (calculation of maximum exposure to the ) Tj ET Q q 0 0 0 rg BT 487.66 353.25 Td (VIE.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (Investment Funds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (The Company is the investment manager for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 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 324.00 293.25 Td (asset classes including private equity) Tj ET Q q 0 0 0 rg BT 471.09 293.25 Td (, hedge funds, real estate, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (fixed income and infrastructure. Citigroup earns a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 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 324.00 257.25 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 324.00 245.25 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 324.00 233.25 Td (the investment funds. Citi has also established a number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.25 Td (investment funds as opportunities for qualified employees to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.25 Td (invest in private equity investments. ) Tj ET Q q 0 0 0 rg BT 471.02 209.25 Td (The Company acts as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.25 Td (investment manager for these funds and may provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.25 Td (employees with financing on both recourse and non-recourse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.25 Td (bases for a portion of the employees) Tj ET Q q 0 0 0 rg BT 471.54 173.25 Td ( investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.25 Td (commitments.) 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 33.60 Td (228) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (22.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, which include:) Tj ET Q BT /F1 5.00 Tf ET q 0 0 0 rg BT 256.77 717.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 699.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 699.25 Td (Futur) Tj ET Q q 0 0 0 rg BT 76.41 699.25 Td (es and forwar) Tj ET Q q 0 0 0 rg BT 131.60 699.25 Td (d contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.31 699.25 Td (,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 178.81 699.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.31 699.25 Td (which are commitments to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 687.25 Td (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 54.00 675.25 Td (commodity or currency at a contracted price that may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 663.25 Td (settled in cash or through delivery of an item readily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 651.25 Td (convertible to cash.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 639.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 639.25 Td (Swap contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.39 639.25 Td (,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 117.89 639.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.39 639.25 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 /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 579.25 Td (Option contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 579.25 Td (,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 124.00 579.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 579.25 Td (which give the purchaser) Tj ET Q q 0 0 0 rg BT 226.33 579.25 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, forwards and some option contracts are over) Tj ET Q q 0 0 0 rg BT 262.63 495.25 Td (-the-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 483.25 Td (counter \(OTC\) derivatives that are bilaterally negotiated with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 471.25 Td (counterparties and settled with those counterparties, except for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.25 Td (swap contracts that are novated and "cleared" through central ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 447.25 Td (counterparties \(CCPs\). Futures contracts and other option ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 435.25 Td (contracts are standardized contracts that are traded on an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 423.25 Td (exchange with a CCP) Tj ET Q q 0 0 0 rg BT 122.00 423.25 Td ( as the counterparty from the inception of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 411.25 Td (the transaction. Citigroup enters into derivative contracts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 399.25 Td (relating to interest rate, foreign currency) Tj ET Q q 0 0 0 rg BT 196.94 399.25 Td (, commodity and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.25 Td (market/credit risks for the following reasons:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 369.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 369.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.50 369.25 Td (T) Tj ET Q q 0 0 0 rg BT 61.51 369.25 Td (rading Purposes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.90 369.25 Td (:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 130.68 369.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.18 369.25 Td (Citigroup trades derivatives as an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 357.25 Td (active market maker) Tj ET Q q 0 0 0 rg BT 135.07 357.25 Td (. Citigroup of) Tj ET Q q 0 0 0 rg BT 189.05 357.25 Td (fers its customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 345.25 Td (derivatives in connection with their risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 333.25 Td (actions to transfer) Tj ET Q q 0 0 0 rg BT 125.24 333.25 Td (, modify or reduce their interest rate, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 321.25 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 54.00 309.25 Td (own trading purposes. Citigroup also manages its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 297.25 Td (derivative risk positions through of) Tj ET Q q 0 0 0 rg BT 194.36 297.25 Td (fsetting trade activities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 285.25 Td (controls focused on price verification and daily reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 273.25 Td (of positions to senior managers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 261.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 261.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.50 261.25 Td (Hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.94 261.25 Td (:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 93.72 261.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.22 261.25 Td (Citigroup uses derivatives in connection with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 249.25 Td (its own risk management activities to hedge certain risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 237.25 Td (or reposition the risk profile of the Company) Tj ET Q q 0 0 0 rg BT 232.48 237.25 Td (. Hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 225.25 Td (may be accomplished by applying hedge accounting in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 213.25 Td (accordance with ) Tj ET Q q 0 0 0 rg BT 121.19 213.25 Td (ASC 815, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 163.14 213.25 Td (Derivatives and Hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.67 213.25 Td (, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 201.25 Td (by an economic hedge. For example, Citigroup issues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 189.25 Td (fixed-rate long-term debt and then enters into a receive-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 177.25 Td (fixed, pay-variable-rate interest rate swap with the same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 165.25 Td (tenor and notional amount to synthetically convert the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 153.25 Td (interest payments to a net variable-rate basis. ) Tj ET Q q 0 0 0 rg BT 236.53 153.25 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 141.25 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 54.00 129.25 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 54.00 117.25 Td (curve environments. Derivatives are also used to manage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 105.25 Td (market risks inherent in specific groups of on-balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 93.25 Td (sheet assets and liabilities, including ) Tj ET Q q 0 0 0 rg BT 201.75 93.25 Td (AFS securities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 81.25 Td (commodities and borrowings, as well as other interest-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 69.25 Td (sensitive assets and liabilities. In addition, foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 57.25 Td (exchange contracts are used to hedge non-U.S.-dollar) Tj ET Q q 0 0 0 rg BT 267.61 57.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (denominated debt, foreign currency-denominated ) Tj ET Q q 0 0 0 rg BT 541.65 749.10 Td (AFS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 737.10 Td (securities and net investment exposures. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 713.10 Td (Derivatives may expose Citigroup to market, credit or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 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 324.00 689.10 Td (Consolidated Balance Sheet. Market risk on a derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 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 324.00 665.10 Td (interest rates, market prices, foreign exchange rates and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (factors and is a function of the type of product, the volume of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (transactions, the tenor and terms of the agreement and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (underlying volatility) Tj ET Q q 0 0 0 rg BT 405.28 629.10 Td (. Credit risk is the exposure to loss in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (event of nonperformance by the other party to satisfy a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (derivative liability where the value of any collateral held by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Citi is not adequate to cover such losses. ) Tj ET Q q 0 0 0 rg BT 488.51 593.10 Td (The recognition in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (earnings of unrealized gains on derivative transactions is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (subject to management) Tj ET Q q 0 0 0 rg BT 418.97 569.10 Td (s assessment of the probability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (counterparty default. Liquidity risk is the potential exposure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (that arises when the size of a derivative position may af) Tj ET Q q 0 0 0 rg BT 545.97 545.10 Td (fect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (ability to monetize the position in a reasonable period of time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (and at a reasonable cost in periods of high volatility and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (financial stress. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 497.10 Td (Derivative transactions are customarily documented under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (industry standard master netting agreements, which provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (that following an event of default, the non-defaulting party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (may promptly terminate all transactions between the parties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (and determine the net amount due to be paid to, or by) Tj ET Q q 0 0 0 rg BT 537.18 449.10 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (defaulting party) Tj ET Q q 0 0 0 rg BT 386.94 437.10 Td (. Events of default include \(i\) failure to make a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (payment on a derivative transaction that remains uncured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (following applicable notice and grace periods, \(ii\) breach of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (agreement that remains uncured after applicable notice and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (grace periods, \(iii\) breach of a representation, \(iv\) cross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (default, either to third-party debt or to other derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (transactions entered into between the parties, or) Tj ET Q q 0 0 0 rg BT 514.36 365.10 Td (, in some ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (cases, their af) Tj ET Q q 0 0 0 rg BT 378.51 353.10 Td (filiates, \(v\) the occurrence of a mer) Tj ET Q q 0 0 0 rg BT 519.09 353.10 Td (ger or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (consolidation that results in a party) Tj ET Q q 0 0 0 rg BT 467.03 341.10 Td (s becoming a materially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (weaker credit and \(vi\) the cessation or repudiation of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (applicable guarantee or other credit support document. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (Obligations under master netting agreements are often secured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (by collateral posted under an industry standard credit support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (annex to the master netting agreement. ) Tj ET Q q 0 0 0 rg BT 480.89 281.10 Td (An event of default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (may also occur under a credit support annex if a party fails to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (make a collateral delivery that remains uncured following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (applicable notice and grace periods. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 233.10 Td (The netting and collateral rights incorporated in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (master netting agreements are considered to be legally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 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 324.00 197.10 Td (from counsel of recognized standing that provides \(i\) the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (requisite level of certainty regarding enforceability) Tj ET Q q 0 0 0 rg BT 526.87 185.10 Td (, and \(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (that the exercise of rights by the non-defaulting party to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (terminate 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 324.00 149.10 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 324.00 137.10 Td (upon an event of default, including bankruptcy) Tj ET Q q 0 0 0 rg BT 510.80 137.10 Td (, insolvency or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (similar proceeding. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 113.10 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 113.10 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 324.00 101.10 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 89.10 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 77.10 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 65.10 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 53.10 Td (law may not provide the requisite level of certainty) Tj ET Q q 0 0 0 rg BT 527.73 53.10 Td (. For ) 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 33.60 Td (229) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 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 36.00 737.10 Td (municipalities, central banks and U.S. pension plans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 725.10 Td (Exposure to credit risk on derivatives is af) Tj ET Q q 0 0 0 rg BT 222.94 725.10 Td (fected by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (market volatility) Tj ET Q q 0 0 0 rg BT 101.72 713.10 Td (, which may impair the ability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (counterparties to satisfy their obligations to the Company) Tj ET Q q 0 0 0 rg BT 265.03 701.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (Credit limits are established and closely monitored for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (customers engaged in derivatives transactions. Citi considers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 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 36.00 653.10 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 653.10 Td (fsetting rights under master netting agreements and credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 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 36.00 629.10 Td (management process. Specifically) Tj ET Q q 0 0 0 rg BT 171.69 629.10 Td (, Citi generally transacts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (much lower volumes of derivatives under master netting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 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 36.00 593.10 Td (legal certainty regarding enforceability) Tj ET Q q 0 0 0 rg BT 191.11 593.10 Td (, because such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (derivatives consume greater amounts of single counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (credit limits than those executed under enforceable master ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (netting agreements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 545.10 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 36.00 533.10 Td (government debt securities are often posted by a party to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 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 36.00 509.10 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 36.00 497.10 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 36.00 485.10 Td (business. Nonstandard collateral such as corporate bonds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 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 36.00 461.10 Td (be pledged as collateral for derivative transactions. Security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 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 36.00 437.10 Td (agreement with a counterparty) Tj ET Q q 0 0 0 rg BT 157.24 437.10 Td (, in the form of cash and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 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 36.00 413.10 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 36.00 401.10 Td (control agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 389.10 Td (As of January 1, 2018, Citigroup early adopted ) Tj ET Q q 0 0 0 rg BT 243.97 389.10 Td (ASU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (2017-12, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 74.33 377.10 Td (T) Tj ET Q q 0 0 0 rg BT 78.97 377.10 Td (ar) Tj ET Q q 0 0 0 rg BT 87.49 377.10 Td (geted Impr) Tj ET Q q 0 0 0 rg BT 130.72 377.10 Td (ovements to ) Tj ET Q q 0 0 0 rg BT 180.53 377.10 Td (Accounting for Hedge ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.21 365.10 Td (. ) Tj ET Q q 0 0 0 rg BT 78.03 365.10 Td (This standard primarily impacts Citi) Tj ET Q q 0 0 0 rg BT 225.78 365.10 Td (s accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (for derivatives designated as cash flow hedges and fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (hedges. Refer to the respective sections below for details.) 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 33.60 Td (230) 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 activities, ) 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 268.63 737.10 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 115.02 689.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 137.80 689.10 Td (s derivative exposure arises primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (from market fluctuations \(i.e., market risk\), counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (failure \(i.e., credit risk\) and/or periods of high volatility or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (financial stress \(i.e., liquidity risk\), as well as any market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (valuation adjustments that may be required on the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (transactions. Moreover) Tj ET Q q 0 0 0 rg BT 415.79 749.10 Td (, notional amounts do not reflect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (netting of of) Tj ET Q q 0 0 0 rg BT 373.25 737.10 Td (fsetting trades. For example, if Citi enters into a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (receive-fixed interest rate swap with $100 million notional, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (and of) Tj ET Q q 0 0 0 rg BT 349.09 713.10 Td (fsets this risk with an identical but opposite pay-fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (position with a dif) Tj ET Q q 0 0 0 rg BT 396.87 701.10 Td (ferent counterparty) Tj ET Q q 0 0 0 rg BT 472.57 701.10 Td (, $200 million in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (derivative notionals is reported, although these of) Tj ET Q q 0 0 0 rg BT 521.82 689.10 Td (fsetting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (positions may result in de minimis overall market risk. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Aggregate derivative notional amounts can fluctuate from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (period to period in the normal course of business based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 641.10 Td (s market share, levels of client activity and other factors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (All derivatives are recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 448.11 629.10 Td (T) Tj ET Q q 0 0 0 rg BT 453.12 629.10 Td (rading account assets/T) Tj ET Q q 0 0 0 rg BT 548.13 629.10 Td (rading ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (account liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.93 617.10 Td ( on the Consolidated Balance Sheet.) 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158.60000000000002 m 570 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 144.60000000000002 m 570 144.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 41 130.60000000000002 m 250 130.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 250 130.60000000000002 m 330 130.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 144.60000000000002 m 410 130.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 144.60000000000002 m 410 144.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 330 130.60000000000002 m 410 130.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 144.60000000000002 m 490 144.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 410 130.60000000000002 m 490 130.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 144.60000000000002 m 570 144.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 490 130.60000000000002 m 570 130.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 564.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.55 573.05 Td (Hedging instruments under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.60 564.05 Td (ASC815) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.55 564.05 Td (T) Tj ET Q q 0 0 0 rg BT 435.22 564.05 Td (rading derivative instruments) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 43.50 540.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.30 550.05 Td (December) Tj ET Q q 0 0 0 rg BT 302.19 550.05 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 541.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.25 550.06 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.50 541.06 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.30 550.05 Td (December) Tj ET Q q 0 0 0 rg BT 462.11 550.05 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.50 541.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 550.06 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.50 541.06 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 527.05 Td (Inter) Tj ET Q q 0 0 0 rg BT 62.91 527.05 Td (est rate contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.50 527.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 527.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 527.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 527.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 513.06 Td (Swaps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.50 513.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 513.05 Td (273,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.25 513.06 Td (189,779) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 513.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 513.05 Td (18,138,686) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 513.06 Td (18,754,219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 499.06 Td (Futures and forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 499.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 499.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.50 499.05 Td (4,632,257) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 499.06 Td (6,460,539) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 485.06 Td (W) Tj ET Q q 0 0 0 rg BT 57.81 485.06 Td (ritten options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 485.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 485.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.50 485.05 Td (3,018,469) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 485.06 Td (3,516,131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 471.06 Td (Purchased options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 471.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 471.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.50 471.05 Td (2,532,479) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 471.06 Td (3,234,025) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 457.05 Td (T) Tj ET Q q 0 0 0 rg BT 49.09 457.05 Td (otal inter) Tj ET Q q 0 0 0 rg BT 83.83 457.05 Td (est rate contract notionals) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.50 457.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 457.05 Td (273,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 457.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.25 457.06 Td (189,779) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 457.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 457.05 Td (28,321,891) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 457.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 457.06 Td (31,964,914) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 443.05 Td (For) Tj ET Q q 0 0 0 rg BT 57.41 443.05 Td (eign exchange contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 443.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 443.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 429.06 Td (Swaps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.50 429.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 429.05 Td (57,153) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 429.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 429.06 Td (37,162) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 429.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.50 429.05 Td (6,738,158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 429.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 429.06 Td (5,576,357) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 415.06 Td (Futures, forwards and spot) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 415.05 Td (41,410) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 415.06 Td (33,103) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.50 415.05 Td (5,1) Tj ET Q q 0 0 0 rg BT 461.75 415.05 Td (15,504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 415.06 Td (3,097,700) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 401.06 Td (W) Tj ET Q q 0 0 0 rg BT 57.81 401.06 Td (ritten options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 401.05 Td (1,726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.25 401.06 Td (3,951) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.50 401.05 Td (1,566,717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 401.06 Td (1,127,728) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 387.06 Td (Purchased options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 387.05 Td (2,104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.25 387.06 Td (6,427) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.50 387.05 Td (1,543,516) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 387.06 Td (1,148,686) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 373.05 Td (T) Tj ET Q q 0 0 0 rg BT 49.09 373.05 Td (otal for) Tj ET Q q 0 0 0 rg BT 76.83 373.05 Td (eign exchange contract notionals) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.50 373.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 373.05 Td (102,393) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 373.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 373.06 Td (80,643) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 373.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 373.05 Td (14,963,895) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 373.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 373.06 Td (10,950,471) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 359.05 Td (Equity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 359.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 359.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 345.06 Td (Swaps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.50 345.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 345.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 345.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 345.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 345.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.25 345.05 Td (217,580) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 345.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 345.06 Td (215,834) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 331.06 Td (Futures and forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 331.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 331.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.75 331.05 Td (52,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 331.06 Td (72,616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 317.06 Td (W) Tj ET Q q 0 0 0 rg BT 57.81 317.06 Td (ritten options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 317.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 317.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.25 317.05 Td (454,675) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 317.06 Td (389,961) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 303.06 Td (Purchased options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 303.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 303.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.25 303.05 Td (341,018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 303.06 Td (328,154) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 289.05 Td (T) Tj ET Q q 0 0 0 rg BT 49.09 289.05 Td (otal equity contract notionals) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.50 289.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 289.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 289.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 289.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 289.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.50 289.05 Td (1,065,326) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 289.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 289.06 Td (1,006,565) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 275.05 Td (Commodity and other) Tj ET Q q 0 0 0 rg BT 128.42 275.05 Td ( contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 275.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 275.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 261.06 Td (Swaps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.50 261.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 261.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 261.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 261.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 261.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.75 261.05 Td (79,133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 261.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 261.06 Td (72,431) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 247.06 Td (Futures and forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 247.05 Td (802) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 247.06 Td (23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.25 247.05 Td (146,647) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 247.06 Td (153,248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 233.06 Td (W) Tj ET Q q 0 0 0 rg BT 57.81 233.06 Td (ritten options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 233.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 233.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.75 233.05 Td (62,629) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 233.06 Td (62,045) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 219.06 Td (Purchased options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 219.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 219.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.75 219.05 Td (61,298) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 219.06 Td (60,526) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 205.05 Td (T) Tj ET Q q 0 0 0 rg BT 49.09 205.05 Td (otal commodity and other) Tj ET Q q 0 0 0 rg BT 147.84 205.05 Td ( contract notionals) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.50 205.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 205.05 Td (802) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 205.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 205.06 Td (23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 205.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.25 205.05 Td (349,707) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 205.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 205.06 Td (348,250) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 191.05 Td (Cr) Tj ET Q q 0 0 0 rg BT 53.83 191.05 Td (edit derivatives) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 112.57 195.13 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 191.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 191.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 177.06 Td (Protection sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.50 177.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 177.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 177.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 177.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 177.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.25 177.05 Td (724,939) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 177.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 177.06 Td (735,142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 163.06 Td (Protection purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 163.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 163.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.25 163.05 Td (795,649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 163.06 Td (777,713) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 149.05 Td (T) Tj ET Q q 0 0 0 rg BT 49.09 149.05 Td (otal cr) Tj ET Q q 0 0 0 rg BT 73.33 149.05 Td (edit derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.50 149.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 149.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 149.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 149.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 149.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.50 149.05 Td (1,520,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 149.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 149.06 Td (1,512,855) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 135.05 Td (T) Tj ET Q q 0 0 0 rg BT 48.68 135.05 Td (otal derivative notionals) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.50 135.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.25 135.05 Td (376,831) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 135.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.25 135.06 Td (270,445) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 135.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 135.05 Td (46,221,407) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 135.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 135.06 Td (45,783,055) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 111.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 111.90 Td (Credit derivatives are arrangements designed to allow one party \(protection buyer\) to transfer the credit risk of a reference asset to another party \(protection ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 102.30 Td (seller\). ) Tj ET Q q 0 0 0 rg BT 77.84 102.30 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 538.43 102.30 Td (The ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 92.70 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 83.10 Td (of overall risk.) Tj ET Q endstream endobj 463 0 obj <> endobj 464 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (231) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 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 36.00 737.10 Td (of the Company) Tj ET Q q 0 0 0 rg BT 103.21 737.10 Td (s derivative transactions and the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 725.10 Td (fsetting amounts as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.69 725.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.28 725.10 Td ( and 2017. Gross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (positive fair values are of) Tj ET Q q 0 0 0 rg BT 137.45 713.10 Td (fset against gross negative fair values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (by counterparty) Tj ET Q q 0 0 0 rg BT 98.38 701.10 Td (, pursuant to enforceable master netting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (agreements. Under ) Tj ET Q q 0 0 0 rg BT 113.47 689.10 Td (ASC815-10-45, payables and receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (in respect of cash collateral received from or paid to a given ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (counterparty pursuant to a credit support annex are included in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (the of) Tj ET Q q 0 0 0 rg BT 58.87 653.10 Td (fsetting amount, if a legal opinion supporting the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (enforceability of netting and collateral rights has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (obtained. GAAP) Tj ET Q q 0 0 0 rg BT 102.29 629.10 Td ( does not permit similar of) Tj ET Q q 0 0 0 rg BT 207.92 629.10 Td (fsetting for security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (collateral. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 605.10 Td (In addition, the following tables reflect rule changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (adopted by clearing or) Tj ET Q q 0 0 0 rg BT 125.51 593.10 Td (ganizations that require or allow entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (to treat derivative assets, liabilities and the related variation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (mar) Tj ET Q q 0 0 0 rg BT 51.37 569.10 Td (gin as settlement of the related derivative fair value for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (legal and accounting purposes, as opposed to presenting gross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (derivative assets and liabilities that are subject to collateral, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (whereby the counterparties would record a related collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (payable or receivable. ) Tj ET Q q 0 0 0 rg BT 125.95 521.10 Td (As a result, the tables reflect a reduction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.09 509.10 Td ($100 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.70 509.10 Td ( as of both December 31, 2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (and 2017, respectively) Tj ET Q q 0 0 0 rg BT 125.60 497.10 Td (, of derivative assets and derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (liabilities that previously would have been reported on a gross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (basis, but are now settled and not subject to collateral. ) Tj ET Q q 0 0 0 rg BT 254.65 473.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (tables also present amounts that are not permitted to be of) Tj ET Q q 0 0 0 rg BT 266.86 461.10 Td (fset, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (such as security collateral or cash collateral posted at third-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (party custodians, but which would be eligible for of) Tj ET Q q 0 0 0 rg BT 242.72 437.10 Td (fsetting to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (the 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 36.00 413.10 Td (supporting enforceability of the netting and collateral rights ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (has been obtained.) 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419.75 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 375.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 377.75 m 375.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 391.75 m 475.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 377.75 m 475.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 391.75 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 475.5 377.75 m 575.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 349.75 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 35.5 335.75 m 375.5 335.75 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 475.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 335.75 m 475.5 335.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 349.75 m 575.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 335.75 m 575.5 335.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 321.75 m 375.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 307.75 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 375.5 321.75 m 475.5 321.75 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 475.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 321.75 m 575.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 307.75 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 35.5 265.75 m 375.5 265.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 251.75 m 375.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 265.75 m 475.5 265.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 251.75 m 475.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 265.75 m 575.5 265.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 251.75 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 35.5 200.75 m 375.5 200.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 186.75 m 375.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 200.75 m 475.5 200.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 186.75 m 475.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 200.75 m 575.5 200.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 186.75 m 575.5 186.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 718.00 Td (In millions of dollars at December 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.60 727.20 Td (Derivatives classified) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.95 718.20 Td (in ) Tj ET Q q 0 0 0 rg BT 410.54 718.20 Td (T) Tj ET Q q 0 0 0 rg BT 415.88 718.20 Td (rading account assets/liabilities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 535.38 722.28 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 704.20 Td (Derivatives instruments designated as ) Tj ET Q q 0 0 0 rg BT 185.25 704.20 Td (ASC815 hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 704.20 Td (Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.70 704.20 Td (Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 690.21 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 690.21 Td (-the-counter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 690.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.75 690.20 Td (1,631) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 690.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 690.20 Td (172) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 676.21 Td (Cleared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 676.20 Td (238) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 676.20 Td (53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 662.20 Td (Inter) Tj ET Q q 0 0 0 rg BT 57.41 662.20 Td (est rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.75 662.20 Td (1,869) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 662.20 Td (225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 648.21 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 648.21 Td (-the-counter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 648.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.75 648.20 Td (1,402) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 648.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 648.20 Td (736) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 634.21 Td (Cleared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.00 634.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.50 634.20 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 620.20 Td (For) Tj ET Q q 0 0 0 rg BT 51.91 620.20 Td (eign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 620.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.75 620.20 Td (1,402) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 620.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 620.20 Td (740) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 606.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 606.20 Td (otal derivatives instruments designated as ) Tj ET Q q 0 0 0 rg BT 205.68 606.20 Td (ASC815 hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.75 606.20 Td (3,271) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 606.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 606.20 Td (965) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 592.20 Td (Derivatives instruments not designated as ) Tj ET Q q 0 0 0 rg BT 200.00 592.20 Td (ASC815 hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 578.21 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 578.21 Td (-the-counter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 578.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 578.20 Td (161,183) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 578.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 578.20 Td (146,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 564.21 Td (Cleared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.75 564.20 Td (8,489) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 564.20 Td (7,594) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 550.21 Td (Exchange traded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.00 550.20 Td (91) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 550.20 Td (99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 536.20 Td (Inter) Tj ET Q q 0 0 0 rg BT 57.41 536.20 Td (est rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 536.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 536.20 Td (169,763) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 536.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 536.20 Td (154,602) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 522.21 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 522.21 Td (-the-counter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 522.20 Td (159,099) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 522.20 Td (156,904) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 508.21 Td (Cleared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.75 508.20 Td (1,900) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 508.20 Td (1,671) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 494.21 Td (Exchange traded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.00 494.20 Td (53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 494.20 Td (40) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 480.20 Td (For) Tj ET Q q 0 0 0 rg BT 51.91 480.20 Td (eign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 480.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 480.20 Td (161,052) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 480.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 480.20 Td (158,615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 466.21 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 466.21 Td (-the-counter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 466.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.25 466.20 Td (18,253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 466.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 466.20 Td (21,527) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 452.21 Td (Cleared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.00 452.20 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 452.20 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 438.21 Td (Exchange traded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.25 438.20 Td (1) Tj ET Q q 0 0 0 rg BT 451.75 438.20 Td (1,623) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 438.20 Td (12,249) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 424.20 Td (Equity contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 424.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.25 424.20 Td (29,893) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 424.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 424.20 Td (33,808) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 410.21 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 410.21 Td (-the-counter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 410.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.25 410.20 Td (16,661) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 410.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 410.20 Td (19,894) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 396.21 Td (Exchange traded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 396.20 Td (894) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 396.20 Td (795) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 382.20 Td (Commodity and other) Tj ET Q q 0 0 0 rg BT 122.92 382.20 Td ( contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 382.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.25 382.20 Td (17,555) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 382.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 382.20 Td (20,689) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 368.21 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 368.21 Td (-the-counter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 368.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.75 368.20 Td (6,967) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 368.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 368.20 Td (6,155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 354.21 Td (Cleared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.75 354.20 Td (3,798) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 354.20 Td (4,196) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 340.20 Td (Cr) Tj ET Q q 0 0 0 rg BT 48.41 340.20 Td (edit derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 340.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.25 340.20 Td (10,765) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 340.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 340.20 Td (10,351) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 326.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 326.20 Td (otal derivatives instruments not designated as ) Tj ET Q q 0 0 0 rg BT 220.43 326.20 Td (ASC815 hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 326.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 326.20 Td (389,028) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 326.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 326.20 Td (378,065) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 312.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 312.20 Td (otal derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 312.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 312.20 Td (392,299) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 312.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 312.20 Td (379,030) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 298.21 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 142.45 302.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 298.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.25 298.20 Td (1) Tj ET Q q 0 0 0 rg BT 451.75 298.20 Td (1,518) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 298.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 298.20 Td (13,906) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 284.21 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 129.47 288.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.75 284.20 Td (\(31) Tj ET Q q 0 0 0 rg BT 451.75 284.20 Td (1,089) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 284.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.75 284.20 Td (\(31) Tj ET Q q 0 0 0 rg BT 551.75 284.20 Td (1,089) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 284.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 270.21 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 190.93 274.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.25 270.20 Td (\(38,608) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 270.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.25 270.20 Td (\(29,91) Tj ET Q q 0 0 0 rg BT 567.50 270.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 270.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 256.20 Td (Net r) Tj ET Q q 0 0 0 rg BT 57.57 256.20 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 302.09 260.28 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 256.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.25 256.20 Td (54,120) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 256.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 256.20 Td (51,936) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 243.15 Td (Additional amounts subject to an enfor) Tj ET Q q 0 0 0 rg BT 188.10 243.15 Td (ceable master) Tj ET Q q 0 0 0 rg BT 240.66 243.15 Td ( netting agr) Tj ET Q q 0 0 0 rg BT 284.99 243.15 Td (eement, but not offset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 47.00 232.35 Td (on the Consolidated Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 219.20 Td (Less: Cash collateral r) Tj ET Q q 0 0 0 rg BT 124.15 219.20 Td (eceived/paid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 219.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.50 219.20 Td (\(767) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 219.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 219.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.50 219.20 Td (\(164) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 219.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 205.20 Td (Less: Non-cash collateral r) Tj ET Q q 0 0 0 rg BT 140.57 205.20 Td (eceived/paid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.25 205.20 Td (\(13,509) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 205.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.25 205.20 Td (\(13,354) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 205.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 191.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 191.20 Td (otal net r) Tj ET Q q 0 0 0 rg BT 78.00 191.20 Td (eceivables/payables) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 152.50 195.28 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 191.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.25 191.20 Td (39,844) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 191.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 191.20 Td (38,418) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 169.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 169.65 Td (The derivatives fair values are presented in Note24 to the Consolidated Financial Statements. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 160.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 160.05 Td (Over) Tj ET Q q 0 0 0 rg BT 69.83 160.05 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 460.65 160.05 Td (ganized exchange or central ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 150.45 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 54.00 140.85 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 54.00 131.25 Td (directly on an or) Tj ET Q q 0 0 0 rg BT 106.50 131.25 Td (ganized exchange that provides pre-trade price transparency) Tj ET Q q 0 0 0 rg BT 298.33 131.25 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 121.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 121.65 Td (Reflects the net amount of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.19 121.65 Td ($41,429 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.30 121.65 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 218.86 121.65 Td ($52,514 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 269.97 121.65 Td ( of gross cash collateral paid and received, respectively) Tj ET Q q 0 0 0 rg BT 446.04 121.65 Td (. Of the gross cash collateral paid, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 112.05 Td ($29,91) Tj ET Q q 0 0 0 rg BT 75.70 112.05 Td (1 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.82 112.05 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 152.66 112.05 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 390.57 112.05 Td ($38,608 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.69 112.05 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 489.54 112.05 Td (fset trading derivative ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 102.45 Td (assets.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 92.85 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 92.85 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 92.85 Td (Approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.59 92.85 Td ($296 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 83.25 Td (billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 74.89 83.25 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 78.89 83.25 Td ($4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 109.78 83.25 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 125.33 83.25 Td ($1) Tj ET Q q 0 0 0 rg BT 133.04 83.25 Td (1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.93 83.25 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 73.65 Td (derivatives, respectively) Tj ET Q q 0 0 0 rg BT 131.23 73.65 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 64.05 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 64.05 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 54.45 Td (and paid is netted against OTC derivative assets and liabilities, respectively) Tj ET Q q 0 0 0 rg BT 294.97 54.45 Td (.) Tj ET Q endstream endobj 467 0 obj <> endobj 468 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (233) 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 (The net receivables/payables include approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.15 750.50 Td ($5 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.04 750.50 Td ( of derivative asset and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.79 750.50 Td ($7 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.68 750.50 Td ( of derivative liability fair values not subject to enforceable master ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 740.90 Td (netting agreements, respectively) Tj ET Q q 0 0 0 rg BT 156.77 740.90 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 681.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 681.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 681.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 653.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 653.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 653.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 625.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 625.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 625.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 597.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 597.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 597.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 569.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 569.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 569.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 541.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 541.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 541.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 513.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 513.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 513.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 485.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 485.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 485.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 457.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 457.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 457.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 429.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 429.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 429.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 401.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 401.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 401.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 373.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 373.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 373.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 345.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 345.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 345.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 317.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 317.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 317.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 289.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 289.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 289.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 261.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 261.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 261.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 224.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 224.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 224.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 196.80 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 196.80 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 196.80 100.00 -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 375.5 695.8 m 475.5 695.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 695.8 m 575.5 695.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 695.8 m 375.5 695.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 681.8 m 375.5 681.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 695.8 m 475.5 695.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 681.8 m 475.5 681.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 695.8 m 575.5 695.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 681.8 m 575.5 681.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 681.8 m 475.5 681.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 681.8 m 575.5 681.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 653.8 m 375.5 653.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 639.8 m 375.5 639.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 653.8 m 475.5 653.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 639.8 m 475.5 639.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 653.8 m 575.5 653.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 639.8 m 575.5 639.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 625.8 m 375.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 611.8 m 375.5 611.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 625.8 m 475.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 611.8 m 475.5 611.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 625.8 m 575.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 611.8 m 575.5 611.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 611.8 m 375.5 611.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 597.8 m 375.5 597.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 611.8 m 475.5 611.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 597.8 m 475.5 597.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 611.8 m 575.5 611.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 597.8 m 575.5 597.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 541.8 m 475.5 541.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 541.8 m 575.5 541.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 541.8 m 375.5 541.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 527.8 m 375.5 527.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 541.8 m 475.5 541.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 527.8 m 475.5 527.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 541.8 m 575.5 541.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 527.8 m 575.5 527.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 485.79999999999995 m 375.5 485.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 471.79999999999995 m 375.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 485.79999999999995 m 475.5 485.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 471.79999999999995 m 475.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 485.79999999999995 m 575.5 485.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 471.79999999999995 m 575.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 429.79999999999995 m 375.5 429.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 415.79999999999995 m 375.5 415.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 429.79999999999995 m 475.5 429.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 415.79999999999995 m 475.5 415.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 429.79999999999995 m 575.5 429.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 415.79999999999995 m 575.5 415.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 387.79999999999995 m 375.5 387.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 373.79999999999995 m 375.5 373.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 387.79999999999995 m 475.5 387.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 373.79999999999995 m 475.5 373.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 387.79999999999995 m 575.5 387.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 373.79999999999995 m 575.5 373.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 345.79999999999995 m 375.5 345.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 331.79999999999995 m 375.5 331.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 345.79999999999995 m 475.5 345.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 331.79999999999995 m 475.5 331.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 345.79999999999995 m 575.5 345.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 331.79999999999995 m 575.5 331.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 317.79999999999995 m 375.5 317.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 303.79999999999995 m 375.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 317.79999999999995 m 475.5 317.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 303.79999999999995 m 475.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 317.79999999999995 m 575.5 317.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 303.79999999999995 m 575.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 261.79999999999995 m 375.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 247.79999999999995 m 375.5 247.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 261.79999999999995 m 475.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 247.79999999999995 m 475.5 247.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 261.79999999999995 m 575.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 247.79999999999995 m 575.5 247.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 247.79999999999995 m 375.5 247.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 196.79999999999995 m 375.5 196.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 182.79999999999995 m 375.5 182.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 196.79999999999995 m 475.5 196.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 182.79999999999995 m 475.5 182.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 196.79999999999995 m 575.5 196.79999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 182.79999999999995 m 575.5 182.79999999999995 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 700.05 Td (In millions of dollars at December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.10 709.26 Td (Derivatives classified) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.80 700.26 Td (in ) Tj ET Q q 0 0 0 rg BT 413.89 700.26 Td (T) Tj ET Q q 0 0 0 rg BT 419.07 700.26 Td (rading account assets/liabilities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 531.54 704.34 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 686.25 Td (Derivatives instruments designated as ) Tj ET Q q 0 0 0 rg BT 185.25 686.25 Td (ASC 815 hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.20 686.26 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 686.26 Td (Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 672.26 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 672.26 Td (-the-counter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 672.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.75 672.26 Td (1,969) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 672.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 672.26 Td (134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 658.26 Td (Cleared) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.50 658.26 Td (1) Tj ET Q q 0 0 0 rg BT 463.00 658.26 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 658.26 Td (92) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 644.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 57.41 644.25 Td (est rate contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 644.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.75 644.26 Td (2,079) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 644.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 644.26 Td (226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 630.26 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 630.26 Td (-the-counter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 630.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.75 630.26 Td (1,143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 630.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 630.26 Td (1,150) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 616.25 Td (For) Tj ET Q q 0 0 0 rg BT 51.91 616.25 Td (eign exchange contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 616.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.75 616.26 Td (1,143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 616.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 616.26 Td (1,150) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 602.25 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 602.25 Td (otal derivatives instruments designated as ) Tj ET Q q 0 0 0 rg BT 205.68 602.25 Td (ASC 815 hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 602.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.75 602.26 Td (3,222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 602.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 602.26 Td (1,376) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 588.25 Td (Derivatives instruments not designated as ) Tj ET Q q 0 0 0 rg BT 200.00 588.25 Td (ASC 815 hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 574.26 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 574.26 Td (-the-counter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 574.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 574.26 Td (195,677) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 574.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 574.26 Td (173,937) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 560.26 Td (Cleared) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.75 560.26 Td (7,129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 560.26 Td (10,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 546.26 Td (Exchange traded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.50 546.26 Td (102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 546.26 Td (95) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 532.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 57.41 532.25 Td (est rate contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 532.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 532.26 Td (202,908) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 532.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 532.26 Td (184,413) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 518.26 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 518.26 Td (-the-counter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 518.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 518.26 Td (1) Tj ET Q q 0 0 0 rg BT 447.25 518.26 Td (19,092) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 518.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 518.26 Td (1) Tj ET Q q 0 0 0 rg BT 547.25 518.26 Td (17,473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 504.26 Td (Cleared) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.75 504.26 Td (1,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 504.26 Td (2,028) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 490.26 Td (Exchange traded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.00 490.26 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 490.26 Td (121) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 476.25 Td (For) Tj ET Q q 0 0 0 rg BT 51.91 476.25 Td (eign exchange contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 476.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 476.26 Td (120,816) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 476.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 476.26 Td (1) Tj ET Q q 0 0 0 rg BT 547.25 476.26 Td (19,622) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 462.26 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 462.26 Td (-the-counter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 462.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.25 462.26 Td (17,221) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 462.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 462.26 Td (21,201) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 448.26 Td (Cleared) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.00 448.26 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 448.26 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 434.26 Td (Exchange traded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.75 434.26 Td (9,736) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 434.26 Td (10,147) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 420.25 Td (Equity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 420.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.25 420.26 Td (26,978) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 420.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 420.26 Td (31,373) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 406.26 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 406.26 Td (-the-counter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 406.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.25 406.26 Td (13,499) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 406.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 406.26 Td (16,362) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 392.26 Td (Exchange traded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.50 392.26 Td (604) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 392.26 Td (665) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 378.25 Td (Commodity and other) Tj ET Q q 0 0 0 rg BT 122.92 378.25 Td ( contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 378.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.25 378.26 Td (14,103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 378.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 378.26 Td (17,027) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 364.26 Td (Over) Tj ET Q q 0 0 0 rg BT 55.90 364.26 Td (-the-counter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 364.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.25 364.26 Td (12,972) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 364.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 364.26 Td (12,958) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 350.26 Td (Cleared) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.75 350.26 Td (7,562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 350.26 Td (8,575) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 336.25 Td (Cr) Tj ET Q q 0 0 0 rg BT 48.41 336.25 Td (edit derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 336.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.25 336.26 Td (20,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 336.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 336.26 Td (21,533) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 322.25 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 322.25 Td (otal derivatives instruments not designated as ) Tj ET Q q 0 0 0 rg BT 220.43 322.25 Td (ASC 815 hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 322.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 322.26 Td (385,339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 322.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 322.26 Td (373,968) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 308.25 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 308.25 Td (otal derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 308.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 308.26 Td (388,561) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 308.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 308.26 Td (375,344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 294.26 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 142.45 298.34 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 294.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.75 294.26 Td (7,541) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 294.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 294.26 Td (14,308) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 280.26 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 129.47 284.34 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.75 280.26 Td (\(306,401) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.00 280.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.75 280.26 Td (\(306,401) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 280.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 266.26 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 190.93 270.34 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.25 266.26 Td (\(38,532) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.00 266.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 266.26 Td (\(35,666) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 266.26 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 252.25 Td (Net r) Tj ET Q q 0 0 0 rg BT 57.57 252.25 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 302.09 256.33 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 252.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.25 252.26 Td (51,169) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 252.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 252.26 Td (47,585) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 239.20 Td (Additional amounts subject to an enfor) Tj ET Q q 0 0 0 rg BT 188.10 239.20 Td (ceable master) Tj ET Q q 0 0 0 rg BT 240.66 239.20 Td ( netting agr) Tj ET Q q 0 0 0 rg BT 284.99 239.20 Td (eement, but not offset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 47.00 228.40 Td (on the Consolidated Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 215.25 Td (Less: Cash collateral r) Tj ET Q q 0 0 0 rg BT 124.15 215.25 Td (eceived/paid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 215.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.50 215.26 Td (\(872) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.00 215.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 215.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 215.26 Td (\(121) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 215.26 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 201.25 Td (Less: Non-cash collateral r) Tj ET Q q 0 0 0 rg BT 140.57 201.25 Td (eceived/paid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.25 201.26 Td (\(12,739) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.00 201.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 201.26 Td (\(6,929) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 201.26 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 187.25 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 187.25 Td (otal net r) Tj ET Q q 0 0 0 rg BT 78.00 187.25 Td (eceivables/payables) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 152.50 191.33 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 187.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.25 187.26 Td (37,558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 187.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 187.26 Td (40,535) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 165.70 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 165.70 Td (The derivatives fair values are presented in Note 24 to the Consolidated Financial Statements. Derivative mark-to-market receivables/payables previously reported ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 156.10 Td (within ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 76.45 156.10 Td (Other assets/Other liabilities ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.33 156.10 Td (have been reclassified to) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 250.18 156.10 Td ( T) Tj ET Q q 0 0 0 rg BT 256.19 156.10 Td (rading account assets/T) Tj ET Q q 0 0 0 rg BT 332.20 156.10 Td (rading account liabilities ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.08 156.10 Td (to conform with the current-period presentation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 146.50 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 146.50 Td (Over) Tj ET Q q 0 0 0 rg BT 69.83 146.50 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 474.43 146.50 Td (ganized exchange or central ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 136.90 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 54.00 127.30 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 54.00 117.70 Td (directly on an or) Tj ET Q q 0 0 0 rg BT 106.50 117.70 Td (ganized exchange that provides pre-trade price transparency) Tj ET Q q 0 0 0 rg BT 298.33 117.70 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 108.10 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 108.10 Td (Reflects the net amount of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.19 108.10 Td ($43,207 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.30 108.10 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 218.86 108.10 Td ($52,840 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 269.97 108.10 Td ( of gross cash collateral paid and received, respectively) Tj ET Q q 0 0 0 rg BT 446.04 108.10 Td (. Of the gross cash collateral paid, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 98.50 Td ($35,666 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.11 98.50 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 152.96 98.50 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 390.87 98.50 Td ($38,532 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.98 98.50 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 489.83 98.50 Td (fset trading derivative ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 88.90 Td (assets.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 79.30 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 79.30 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 79.30 Td (Approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.59 79.30 Td ($283 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 69.70 Td (billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 74.89 69.70 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 78.89 69.70 Td ($14 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 113.78 69.70 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 129.33 69.70 Td ($9 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 160.22 69.70 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 60.10 Td (derivatives, respectively) Tj ET Q q 0 0 0 rg BT 131.23 60.10 Td (.) 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 33.60 Td (234) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 750.50 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 750.50 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 54.00 740.90 Td (and paid is netted against OTC derivative assets and liabilities, respectively) Tj ET Q q 0 0 0 rg BT 294.97 740.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 731.30 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 731.30 Td (The net receivables/payables include approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.15 731.30 Td ($6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.04 731.30 Td ( of derivative asset and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.79 731.30 Td ($8 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.68 731.30 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 54.00 721.70 Td (agreements, respectively) Tj ET Q q 0 0 0 rg BT 132.55 721.70 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 700.10 Td (For the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.11 700.10 Td (years ended) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.58 700.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.08 700.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.67 700.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.67 700.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.67 700.10 Td ( and 2016, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 688.10 Td (the amounts recognized in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 143.74 688.10 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.47 688.10 Td ( in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 676.10 Td (Consolidated Statement of Income related to derivatives not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 664.10 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 36.00 652.10 Td (underlying non-derivative instruments, are presented in Note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.04 652.10 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.04 652.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 640.10 Td (to the Consolidated Financial Statements. Citigroup presents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 628.10 Td (this disclosure by showing derivative gains and losses related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 616.10 Td (to its trading activities together with gains and losses related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 604.10 Td (non-derivative instruments within the same trading portfolios, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 592.10 Td (as this represents how these portfolios are risk managed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 580.10 Td (The amounts recognized in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 165.07 580.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 194.42 580.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.18 580.10 Td ( in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 568.10 Td (Consolidated Statement of Income related to derivatives not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 556.10 Td (designated in a qualifying hedging relationship are shown ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 544.10 Td (below) Tj ET Q q 0 0 0 rg BT 59.79 544.10 Td (. ) Tj ET Q q 0 0 0 rg BT 64.61 544.10 Td (The table below does not include any of) Tj ET Q q 0 0 0 rg BT 224.66 544.10 Td (fsetting gains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 532.10 Td (\(losses\) on the economically hedged items to the extent that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 520.10 Td (such amounts are also recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 174.29 520.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 203.64 520.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.39 520.10 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 459.60 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 120.50 459.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 175.50 459.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 459.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 431.60 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 120.50 431.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 175.50 431.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 431.60 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 120.5 487.6 m 175.5 487.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.5 487.6 m 230.5 487.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 487.6 m 285.5 487.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 473.6 m 175.5 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.5 473.6 m 230.5 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 459.6 m 120.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 473.6 m 175.5 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 459.6 m 175.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.5 473.6 m 230.5 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.5 459.6 m 230.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 473.6 m 285.5 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 459.6 m 285.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.5 459.6 m 230.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 459.6 m 285.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 417.6 m 120.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 417.6 m 175.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.5 417.6 m 230.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 417.6 m 285.5 417.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 403.6 m 120.5 403.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 403.6 m 175.5 403.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 175.5 403.6 m 230.5 403.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 403.6 m 285.5 403.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 492.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 153.85 501.00 Td (Gains \(losses\) included in) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.75 492.00 Td (Other) Tj ET Q q 0 0 0 rg BT 197.58 492.00 Td ( r) Tj ET Q q 0 0 0 rg BT 203.66 492.00 Td (evenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 153.65 478.05 Td (Y) Tj ET Q q 0 0 0 rg BT 159.65 478.05 Td (ear) Tj ET Q q 0 0 0 rg BT 171.56 478.05 Td ( ended December) Tj ET Q q 0 0 0 rg BT 237.88 478.05 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 463.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 138.50 464.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 193.50 464.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.50 464.06 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 450.06 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 123.00 450.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 160.00 450.05 Td (\(25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.00 450.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 450.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 450.06 Td (\(73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 450.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 450.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 450.06 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 436.06 Td (Foreign exchange) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.50 436.05 Td (\(197) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.00 436.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.75 436.06 Td (2,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.50 436.06 Td (\(847) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.00 436.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 422.06 Td (Credit derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.50 422.05 Td (\(155) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.00 422.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 422.06 Td (\(538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 422.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.75 422.06 Td (\(1,174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.00 422.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 408.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 408.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 123.00 408.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.50 408.05 Td (\(377) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.00 408.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 408.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.75 408.06 Td (1,451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 408.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.75 408.06 Td (\(1,970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.00 408.06 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 380.10 Td (Accounting for) Tj ET Q q 0 0 0 rg BT 99.98 380.10 Td ( Derivative Hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 368.10 Td (Citigroup accounts for its hedging activities in accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 356.10 Td (with ) Tj ET Q q 0 0 0 rg BT 55.73 356.10 Td (ASC 815, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 97.68 356.10 Td (Derivatives and Hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.21 356.10 Td (. ) Tj ET Q q 0 0 0 rg BT 202.66 356.10 Td (As a general rule, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 344.10 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 36.00 332.10 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 36.00 320.10 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 36.00 308.10 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 36.00 296.10 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 36.00 284.10 Td (af) Tj ET Q q 0 0 0 rg BT 43.59 284.10 Td (fect earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 272.10 Td (Derivative contracts hedging the risks associated with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 260.10 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 36.00 248.10 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 36.00 236.10 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 36.00 224.10 Td (instruments to manage the foreign exchange risk associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 212.10 Td (with equity investments in non-U.S.-dollar) Tj ET Q q 0 0 0 rg BT 206.89 212.10 Td (-functional-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 200.10 Td (currency foreign subsidiaries \(net investment in a foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 188.10 Td (operation\) are net investment hedges.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 176.10 Td (T) Tj ET Q q 0 0 0 rg BT 59.41 176.10 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 36.00 164.10 Td (accounting rules \(versus an economic hedge where hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 152.10 Td (accounting is not applied\), a hedging relationship must be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 140.10 Td (highly ef) Tj ET Q q 0 0 0 rg BT 71.64 140.10 Td (fective in of) Tj ET Q q 0 0 0 rg BT 119.77 140.10 Td (fsetting the risk designated as being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 128.10 Td (hedged. ) Tj ET Q q 0 0 0 rg BT 69.70 128.10 Td (The hedging relationship must be formally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 116.10 Td (documented at inception, detailing the particular risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 104.10 Td (management objective and strategy for the hedge. ) Tj ET Q q 0 0 0 rg BT 237.41 104.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 92.10 Td (includes the item and risk\(s\) being hedged, the hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 80.10 Td (instrument being used and how ef) Tj ET Q q 0 0 0 rg BT 171.07 80.10 Td (fectiveness will be assessed. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 68.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 61.63 68.10 Td (fectiveness of these hedging relationships is evaluated at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 56.10 Td (hedge inception and on an ongoing basis both on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 700.10 Td (retrospective and prospective basis, typically using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 688.10 Td (quantitative measures of correlation, with hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 676.10 Td (inef) Tj ET Q q 0 0 0 rg BT 339.37 676.10 Td (fectiveness measured and recorded in current earnings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 664.10 Td (Hedge ef) Tj ET Q q 0 0 0 rg BT 360.19 664.10 Td (fectiveness assessment methodologies are performed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 652.10 Td (in a similar manner for similar hedges, and are used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 640.10 Td (consistently throughout the hedging relationships. ) Tj ET Q q 0 0 0 rg BT 526.02 640.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 628.10 Td (assessment of ef) Tj ET Q q 0 0 0 rg BT 389.36 628.10 Td (fectiveness may exclude changes in the value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 616.10 Td (of the hedged item that are unrelated to the risks being hedged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 604.10 Td (and the changes in fair value of the derivative associated with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 592.10 Td (time value. Prior to January 1, 2018, these excluded items ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 580.10 Td (were recognized in current earnings for the hedging derivative, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 568.10 Td (while changes in the value of a hedged item that were not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 556.10 Td (related to the hedged risk were not recorded. Upon adoption of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 544.10 Td (ASC 2017-12, Citi excludes changes in the cross currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 532.10 Td (basis associated with cross currency swaps from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 520.10 Td (assessment of hedge ef) Tj ET Q q 0 0 0 rg BT 415.73 520.10 Td (fectiveness and records it in other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 508.10 Td (comprehensive income.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 484.10 Td (Discontinued Hedge ) Tj ET Q q 0 0 0 rg BT 411.79 484.10 Td (Accounting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 472.10 Td (A) Tj ET Q q 0 0 0 rg BT 330.67 472.10 Td ( hedging instrument must be highly ef) Tj ET Q q 0 0 0 rg BT 482.69 472.10 Td (fective in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 460.10 Td (accomplishing the hedge objective of of) Tj ET Q q 0 0 0 rg BT 484.04 460.10 Td (fsetting either changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 448.10 Td (in the fair value or cash flows of the hedged item for the risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 436.10 Td (being hedged. Management may voluntarily de-designate an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 424.10 Td (accounting hedge at any time, but if a hedging relationship is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 412.10 Td (not highly ef) Tj ET Q q 0 0 0 rg BT 374.92 412.10 Td (fective, it no longer qualifies for hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 400.10 Td (accounting and must be de-designated. Subsequent changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 388.10 Td (the fair value of the derivative are recognized in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 518.62 388.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 547.97 388.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 575.73 388.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 376.10 Td (or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 334.83 376.10 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.55 376.10 Td (, similar to trading derivatives, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 364.10 Td (no of) Tj ET Q q 0 0 0 rg BT 344.65 364.10 Td (fset recorded related to the hedged item.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 352.10 Td (For fair value hedges, any changes in the fair value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 340.10 Td (hedged item remain as part of the basis of the asset or liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 328.10 Td (and are ultimately realized as an element of the yield on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 316.10 Td (item. For cash flow hedges, changes in fair value of the end-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 304.10 Td (user derivative remain in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 426.18 304.10 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 529.67 304.10 Td (ehensive ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 292.10 Td (income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.60 292.10 Td ( \(AOCI\) and are included in the earnings of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 280.10 Td (future periods when the forecasted hedged cash flows impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 268.10 Td (earnings. However) Tj ET Q q 0 0 0 rg BT 399.13 268.10 Td (, if it becomes probable that some or all of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 256.10 Td (the hedged forecasted transactions will not occur) Tj ET Q q 0 0 0 rg BT 519.08 256.10 Td (, any amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 244.10 Td (that remain in ) Tj ET Q q 0 0 0 rg BT 381.49 244.10 Td (AOCI) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 405.93 244.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.43 244.10 Td (related to these transactions must be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 232.10 Td (immediately reflected in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 424.23 232.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 453.58 232.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.34 232.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 220.10 Td (The foregoing criteria are applied on a decentralized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 208.10 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 324.00 196.10 Td (managed, but are subject to various limits and controls. ) Tj ET Q q 0 0 0 rg BT 547.38 196.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 184.10 Td (underlying asset, liability or forecasted transaction may be an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 172.10 Td (individual item or a portfolio of similar items.) 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 33.60 Td (235) 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 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) Tj ET Q q 0 0 0 rg BT 77.11 713.25 Td (s fair value hedges are primarily hedges of fixed-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (rate long-term debt or assets, such as available-for) Tj ET Q q 0 0 0 rg BT 236.83 701.25 Td (-sale debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (securities or loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 677.25 Td (For qualifying fair value hedges of interest rate risk, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (changes in the fair value of the derivative and the change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (the fair value of the hedged item attributable to the hedged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (risk, either total cash flows or benchmark only cash flows, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (presented within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 104.87 629.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 123.94 629.25 Td (est r) Tj ET Q q 0 0 0 rg BT 141.07 629.25 Td (evenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.32 629.25 Td (or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 182.15 629.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 201.22 629.25 Td (est expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.47 629.25 Td ( based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (whether the hedged item is an asset or a liability) Tj ET Q q 0 0 0 rg BT 228.35 617.25 Td (. Prior to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (adoption of ) Tj ET Q q 0 0 0 rg BT 83.77 605.25 Td (ASU 2017-12, the fair value of the derivative was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (presented in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 87.09 593.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 116.44 593.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.20 593.25 Td ( or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 157.53 593.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.25 593.25 Td ( and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 581.25 Td (ference between the changes in the hedged item and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (derivative was defined as inef) Tj ET Q q 0 0 0 rg BT 155.21 569.25 Td (fectiveness. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (Hedging of Foreign Exchange Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 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 36.00 521.25 Td (foreign exchange rate movements in available-for) Tj ET Q q 0 0 0 rg BT 234.88 521.25 Td (-sale debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (securities and long-term debt that are denominated in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (currencies other than the functional currency of the entity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (holding the securities or issuing the debt, which may be within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (or outside the U.S. ) Tj ET Q q 0 0 0 rg BT 113.04 473.25 Td (The hedging instrument may be a forward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (foreign exchange contract or a cross-currency swap contract. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (Citigroup considers the premium associated with forward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (contracts \(i.e., the dif) Tj ET Q q 0 0 0 rg BT 120.79 437.25 Td (ferential between the spot and contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (forward rates\) as the cost of hedging; this amount is excluded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (from the assessment of hedge ef) Tj ET Q q 0 0 0 rg BT 164.39 413.25 Td (fectiveness and reflected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (directly in earnings over the life of the hedge. Beginning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (January 1, 2018, Citi excludes changes in cross-currency basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (associated with cross-currency swaps from the assessment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (hedge ef) Tj ET Q q 0 0 0 rg BT 69.96 365.25 Td (fectiveness and records it in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 184.09 365.25 Td (Other compr) Tj ET Q q 0 0 0 rg BT 235.10 365.25 Td (ehensive ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (income.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Hedging of Commodity Price Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Citigroup hedges the change in fair value attributable to spot ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (price movements in physical commodities inventory) Tj ET Q q 0 0 0 rg BT 533.03 725.25 Td (. ) Tj ET Q q 0 0 0 rg BT 537.85 725.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (hedging instrument is a futures contract to sell the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (commodity) Tj ET Q q 0 0 0 rg BT 368.90 701.25 Td (. In this hedge, the change in the value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (hedged inventory is reflected in earnings, which of) Tj ET Q q 0 0 0 rg BT 527.09 689.25 Td (fsets the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (change in the fair value of the futures contract that is also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (reflected in earnings. ) Tj ET Q q 0 0 0 rg BT 410.07 665.25 Td (Although the change in the fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (the hedging instrument recorded in earnings includes changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (in forward rates, Citigroup excludes the dif) Tj ET Q q 0 0 0 rg BT 496.27 641.25 Td (ferential between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (the spot and the contractual forward rates under the futures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (contract from the assessment of hedge ef) Tj ET Q q 0 0 0 rg BT 487.09 617.25 Td (fectiveness and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (amortizes it directly into earnings over the life of the hedge. ) 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 33.60 Td (236) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (The following table summarizes the gains \(losses\) on the Company) Tj ET Q q 0 0 0 rg BT 307.89 749.10 Td (s fair value hedges:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 676.60 260.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 676.60 70.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 676.60 70.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 676.60 70.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 676.60 70.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 641.60 260.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 641.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 641.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 641.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 641.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 613.60 260.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 613.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 613.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 613.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 613.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 566.60 260.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 566.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 566.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 566.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 566.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 538.60 260.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 538.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 538.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 538.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 538.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 501.60 260.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 501.60 70.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 501.60 70.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 501.60 70.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 501.60 70.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 465.60 260.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 465.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 465.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 465.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 465.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 437.60 260.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 437.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 437.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 437.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 437.60 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 295.5 724.6 m 365.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 724.6 m 435.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 724.6 m 505.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 724.6 m 575.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 710.6 m 365.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 710.6 m 435.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 710.6 m 505.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 710.6 m 575.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 696.6 m 295.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 696.6 m 365.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 696.6 m 505.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 710.6 m 575.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 696.6 m 575.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 676.6 m 295.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 676.6 m 365.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 696.6 m 435.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 696.6 m 435.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 676.6 m 435.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 696.6 m 505.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 676.6 m 505.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 696.6 m 505.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 696.6 m 575.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 676.6 m 575.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 676.6 m 435.5 655.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 676.6 m 505.5 655.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 655.6 m 435.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 655.6 m 505.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 641.6 m 435.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 641.6 m 505.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 627.6 m 435.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 627.6 m 505.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 613.6 m 295.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 590.6 m 295.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 613.6 m 365.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 590.6 m 365.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 613.6 m 435.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 590.6 m 435.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 613.6 m 435.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 613.6 m 505.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 590.6 m 505.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 613.6 m 505.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 613.6 m 575.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 590.6 m 575.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 590.6 m 435.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 590.6 m 505.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 566.6 m 435.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 566.6 m 505.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 552.6 m 435.5 538.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 552.6 m 505.5 538.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 538.6 m 435.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 538.6 m 505.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 524.6 m 295.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 501.6 m 295.5 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 524.6 m 365.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 501.6 m 365.5 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 524.6 m 435.5 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 524.6 m 435.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 501.6 m 435.5 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 524.6 m 435.5 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 524.6 m 505.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 501.6 m 505.5 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 524.6 m 505.5 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 524.6 m 575.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 501.6 m 575.5 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 501.6 m 435.5 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 501.6 m 505.5 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 479.6 m 435.5 465.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 479.6 m 505.5 465.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 465.6 m 435.5 451.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 465.6 m 505.5 451.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 451.6 m 435.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 451.6 m 505.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 437.6 m 295.5 437.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 414.6 m 295.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 437.6 m 365.5 437.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 414.6 m 365.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 437.6 m 435.5 437.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 414.6 m 435.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 437.6 m 435.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 437.6 m 505.5 437.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 414.6 m 505.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 437.6 m 505.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 437.6 m 575.5 437.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 414.6 m 575.5 414.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 729.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 730.00 Td (Gains \(losses\) on fair) Tj ET Q q 0 0 0 rg BT 446.09 730.00 Td ( value hedges) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 497.09 734.08 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.15 715.05 Td (Y) Tj ET Q q 0 0 0 rg BT 391.15 715.05 Td (ear) Tj ET Q q 0 0 0 rg BT 403.06 715.05 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 471.39 715.05 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.00 701.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.55 701.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 475.55 705.14 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.55 701.06 Td (2016) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 545.55 705.14 Td (\(2\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 680.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.25 681.05 Td (Other) Tj ET Q q 0 0 0 rg BT 325.16 681.05 Td ( r) Tj ET Q q 0 0 0 rg BT 331.24 681.05 Td (evenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.70 688.00 Td (Net inter) Tj ET Q q 0 0 0 rg BT 411.77 688.00 Td (est) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.80 679.05 Td (r) Tj ET Q q 0 0 0 rg BT 388.63 679.05 Td (evenue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.75 687.86 Td (Other ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.75 678.91 Td (revenue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 687.86 Td (Other ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.75 678.91 Td (revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 668.00 Td (Gain \(loss\) on the derivatives in designated and qualifying fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 659.00 Td (value hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 646.06 Td (Interest rate hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 646.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.00 646.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 646.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 646.05 Td (794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 646.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 646.06 Td (\(891) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 646.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 646.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 646.06 Td (\(753) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 646.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 632.06 Td (Foreign exchange hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.50 632.05 Td (\(225) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 632.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 632.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 632.06 Td (\(824) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 632.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 632.06 Td (\(1,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 632.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 618.06 Td (Commodity hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.50 618.05 Td (\(140) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 618.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 618.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 618.06 Td (\(17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 618.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 618.06 Td (182) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 604.05 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 604.05 Td (otal gain \(loss\) on the derivatives in designated and qualifying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 595.05 Td (fair) Tj ET Q q 0 0 0 rg BT 51.91 595.05 Td ( value hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 595.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.50 595.05 Td (\(365) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 595.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 595.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 595.05 Td (794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 595.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 595.06 Td (\(1,732) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 595.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 595.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 595.06 Td (\(1,986) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 595.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 580.05 Td (Gain \(loss\) on the hedged item in designated and qualifying fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 571.05 Td (value hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 557.06 Td (Interest rate hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 557.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.00 557.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 557.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 557.05 Td (\(747) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 557.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 557.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 557.06 Td (853) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 557.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 557.06 Td (668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 543.06 Td (Foreign exchange hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.00 543.05 Td (99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 543.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 543.06 Td (969) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 543.06 Td (1,573) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 529.06 Td (Commodity hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.50 529.05 Td (124) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 529.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 529.06 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 529.06 Td (\(210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 529.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 515.05 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 515.05 Td (otal gain \(loss\) on the hedged item in designated and qualifying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 506.05 Td (fair) Tj ET Q q 0 0 0 rg BT 51.91 506.05 Td ( value hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 506.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.50 506.05 Td (223) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 506.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 506.05 Td (\(747) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 506.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 506.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 506.06 Td (1,840) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 506.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 506.06 Td (2,031) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 493.00 Td (Net gain \(loss\) excluded fr) Tj ET Q q 0 0 0 rg BT 137.91 493.00 Td (om assessment of the effectiveness of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 484.00 Td (fair) Tj ET Q q 0 0 0 rg BT 51.91 484.00 Td ( value hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 470.06 Td (Interest rate hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 470.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.00 470.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 470.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.50 470.05 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 470.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 470.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 470.06 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 470.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 470.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 470.06 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 470.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 456.06 Td (Foreign exchange hedges) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 129.47 460.14 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.00 456.05 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 456.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 456.06 Td (96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 456.06 Td (154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 442.06 Td (Commodity hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 442.05 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 442.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 442.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 442.06 Td (\(28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 442.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 428.05 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 428.05 Td (otal net gain \(loss\) excluded fr) Tj ET Q q 0 0 0 rg BT 158.26 428.05 Td (om assessment of the effectiveness) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 419.05 Td (of fair) Tj ET Q q 0 0 0 rg BT 61.58 419.05 Td ( value hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 419.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.00 419.05 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 419.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.50 419.05 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 419.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 419.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 419.06 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 419.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 419.06 Td (125) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 397.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 397.50 Td (Beginning January 1, 2018, gain \(loss\) amounts for interest rate risk hedges are included in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 347.48 397.50 Td (Inter) Tj ET Q q 0 0 0 rg BT 362.74 397.50 Td (est income/Inter) Tj ET Q q 0 0 0 rg BT 414.20 397.50 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 450.41 397.50 Td (, while the remaining amounts ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 387.90 Td (including the amounts for interest rate hedges prior to January 1, 2018 are included in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 330.37 387.90 Td (Other r) Tj ET Q q 0 0 0 rg BT 353.85 387.90 Td (evenue ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 378.05 387.90 Td (or) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 384.71 387.90 Td ( Principal transactions) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 458.49 387.90 Td ( on the Consolidated Statement of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 378.30 Td (Income. ) Tj ET Q q 0 0 0 rg BT 81.84 378.30 Td (The accrued interest income on fair value hedges both prior to and after January 1, 2018 is recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 411.50 378.30 Td (Net inter) Tj ET Q q 0 0 0 rg BT 439.42 378.30 Td (est r) Tj ET Q q 0 0 0 rg BT 453.13 378.30 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.33 378.30 Td ( and is excluded from this ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 368.70 Td (table.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 359.10 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 359.10 Td (Hedge inef) Tj ET Q q 0 0 0 rg BT 89.17 359.10 Td (fectiveness recognized in earnings on designated and qualifying fair value hedges for the year ended December 31, 2017 was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.69 359.10 Td ($\(31\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.13 359.10 Td ( for interest ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 349.50 Td (rate hedges and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.75 349.50 Td ($49 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 142.87 349.50 Td ( for foreign exchange hedges, for a total of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.48 349.50 Td ($18 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 318.59 349.50 Td (. Hedge inef) Tj ET Q q 0 0 0 rg BT 357.76 349.50 Td (fectiveness recognized in earnings on designated and qualifying fair ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 339.90 Td (value hedges for the year ended December 31, 2016 was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.82 339.90 Td ($\(84\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 279.26 339.90 Td ( for interest rate hedges and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.89 339.90 Td ($4 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.00 339.90 Td ( for foreign exchange hedges, for a total of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.61 339.90 Td ($\(80\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 330.30 Td (million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 77.11 330.30 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 320.70 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 320.70 Td (Amounts relate to the premium associated with forward contracts \(dif) Tj ET Q q 0 0 0 rg BT 276.68 320.70 Td (ferential between spot and contractual forward rates\). ) Tj ET Q q 0 0 0 rg BT 449.34 320.70 Td (These amounts are excluded from the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 311.10 Td (assessment of hedge ef) Tj ET Q q 0 0 0 rg BT 127.39 311.10 Td (fectiveness and are reflected directly in earnings. ) Tj ET Q q 0 0 0 rg BT 285.54 311.10 Td (After January 1, 2018, amounts include cross-currency basis, which is recognized in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 301.50 Td (accumulated other comprehensive income. ) Tj ET Q q 0 0 0 rg BT 192.69 301.50 Td (The amount of cross-currency basis that was included in ) Tj ET Q q 0 0 0 rg BT 374.64 301.50 Td (AOCI was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 410.63 301.50 Td ($\(74\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 453.07 301.50 Td ( for the year ended December 31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 291.90 Td (2018, none of which was recognized in earnings.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 267.90 Td (Cumulative Basis ) Tj ET Q q 0 0 0 rg BT 112.68 267.90 Td (Adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 255.90 Td (Upon electing to apply ) Tj ET Q q 0 0 0 rg BT 129.32 255.90 Td (ASC 815 fair value hedge accounting, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 243.90 Td (the carrying value of the hedged item is adjusted to reflect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 231.90 Td (cumulative impact of changes in the hedged risk.) Tj ET Q q 0 0 0 rg BT 234.37 231.90 Td (The hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 219.90 Td (basis adjustment, whether arising from an active or de-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 207.90 Td (designated hedge relationship, remains with the hedged item ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 195.90 Td (until the hedged item is derecognized from the balance sheet. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 183.90 Td (The table below presents the carrying amount of Citi) Tj ET Q q 0 0 0 rg BT 249.83 183.90 Td (s hedged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 171.90 Td (assets and liabilities under qualifying fair value hedges at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 159.90 Td (December 31, 2018, along with the cumulative hedge basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 147.90 Td (adjustments included in the carrying value of those hedged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 135.90 Td (assets and liabilities. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 205.40 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 205.40 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 205.40 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 205.40 63.00 -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 323.5 266.4 m 386.5 266.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 266.4 m 449.5 266.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 266.4 m 512.5 266.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 266.4 m 575.5 266.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 226.39999999999998 m 512.5 226.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 226.39999999999998 m 575.5 226.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 205.39999999999998 m 386.5 205.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 205.39999999999998 m 449.5 205.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 226.39999999999998 m 512.5 226.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 226.39999999999998 m 575.5 226.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 205.39999999999998 m 386.5 205.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 205.39999999999998 m 512.5 205.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 205.39999999999998 m 575.5 205.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 159.39999999999998 m 386.5 159.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 159.39999999999998 m 449.5 159.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 159.39999999999998 m 512.5 159.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 159.39999999999998 m 575.5 159.39999999999998 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 326.00 270.65 Td (In millions of dollars as of December 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 245.85 Td (Balance sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 236.85 Td (line item in) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 227.85 Td (which hedged) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 218.85 Td (item is) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 209.85 Td (r) Tj ET Q q 0 0 0 rg BT 329.83 209.85 Td (ecorded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.75 236.85 Td (Carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.85 227.85 Td (amount of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.10 218.85 Td (hedged asset/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.70 209.85 Td (liability) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.70 257.80 Td (Cumulative fair) Tj ET Q q 0 0 0 rg BT 514.86 257.80 Td ( value hedging) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.45 248.80 Td (adjustment incr) Tj ET Q q 0 0 0 rg BT 530.62 248.80 Td (easing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.80 239.80 Td (\(decr) Tj ET Q q 0 0 0 rg BT 483.70 239.80 Td (easing\) the carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.20 230.80 Td (amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 209.85 Td (Active) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.25 209.85 Td (De-designated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 195.85 Td (Debt securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 186.85 Td ( ) Tj ET Q q 0 0 0 rg BT 330.00 186.85 Td (AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 186.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 186.85 Td (81,632) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 186.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 186.85 Td (\(196) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 186.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 186.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 186.85 Td (295) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 172.85 Td (Long-term ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 163.85 Td ( debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.75 163.85 Td (149,054) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.75 163.85 Td (1,21) Tj ET Q q 0 0 0 rg BT 504.50 163.85 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 163.85 Td (869) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 475 0 obj <> endobj 476 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (237) 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 /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Citigroup hedges the variability of forecasted cash flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (associated with floating-rate assets/liabilities and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (forecasted transactions. ) Tj ET Q q 0 0 0 rg BT 132.17 713.25 Td (V) Tj ET Q q 0 0 0 rg BT 138.28 713.25 Td (ariable cash flows from those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (liabilities are synthetically converted to fixed-rate cash flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (by entering into receive-variable, pay-fixed interest rate swaps ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (and receive-variable, pay-fixed forward-starting interest rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (swaps. ) Tj ET Q q 0 0 0 rg BT 65.26 665.25 Td (V) Tj ET Q q 0 0 0 rg BT 71.38 665.25 Td (ariable cash flows associated with certain assets are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (synthetically converted to fixed-rate cash flows by entering ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (into receive-fixed, pay-variable interest rate swaps. ) Tj ET Q q 0 0 0 rg BT 242.95 641.25 Td (These cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (flow hedging relationships use either regression analysis or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (dollar) Tj ET Q q 0 0 0 rg BT 59.13 617.25 Td (-of) Tj ET Q q 0 0 0 rg BT 70.60 617.25 Td (fset ratio analysis to assess whether the hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (relationships are highly ef) Tj ET Q q 0 0 0 rg BT 139.96 605.25 Td (fective at inception and on an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (ongoing basis. Prior to the adoption of ) Tj ET Q q 0 0 0 rg BT 191.55 593.25 Td (ASU 2017-12, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (Citigroup designated the risk being hedged as the risk of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (overall variability in the hedged cash flows for certain items.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (W) Tj ET Q q 0 0 0 rg BT 351.04 749.10 Td (ith the adoption of ) Tj ET Q q 0 0 0 rg BT 426.58 749.10 Td (ASU 2017-12, Citigroup hedges the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (variability from changes in a contractually specified rate and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (recognizes the entire change in fair value of the cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (hedging instruments in ) Tj ET Q q 0 0 0 rg BT 417.61 713.10 Td (AOCI. Prior to the adoption of ) Tj ET Q q 0 0 0 rg BT 542.32 713.10 Td (ASU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (2017-12, to the extent that these derivatives were not fully ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 689.10 Td (fective, changes in their fair values in excess of changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (the value of the hedged transactions were immediately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 371.21 665.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 400.56 665.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.32 665.10 Td (. ) Tj ET Q q 0 0 0 rg BT 433.14 665.10 Td (W) Tj ET Q q 0 0 0 rg BT 442.17 665.10 Td (ith the adoption of ) Tj ET Q q 0 0 0 rg BT 517.72 665.10 Td (ASU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (2017-12, such amounts are no longer required to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (immediately recognized in income, but instead the full change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (in the value of the hedging instrument is required to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (recognized in ) Tj ET Q q 0 0 0 rg BT 380.09 617.10 Td (AOCI, and then recognized in earnings in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (same period that the cash flows impact earnings. ) Tj ET Q q 0 0 0 rg BT 520.70 605.10 Td (The pretax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (change in ) Tj ET Q q 0 0 0 rg BT 364.54 593.10 Td (AOCI from cash flow hedges is presented below:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 530.75 260.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 530.75 140.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 530.75 70.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 530.75 70.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 500.75 260.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 500.75 140.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 500.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 500.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 472.75 260.00 -28.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 472.75 70.00 -28.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 472.75 70.00 -28.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 472.75 70.00 -28.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 472.75 70.00 -28.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 430.75 260.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 430.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 430.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 430.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 430.75 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 296.5 544.75 m 366.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 544.75 m 436.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 544.75 m 506.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 544.75 m 576.5 544.75 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 296.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 544.75 m 366.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 530.75 m 366.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 544.75 m 436.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 530.75 m 436.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 544.75 m 436.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 544.75 m 506.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 530.75 m 506.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 544.75 m 576.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 530.75 m 576.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 530.75 m 366.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 530.75 m 436.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 530.75 m 436.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 514.75 m 436.5 500.75 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 296.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 486.75 m 366.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 486.75 m 436.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 500.75 m 436.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 486.75 m 506.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 486.75 m 576.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 472.75 m 296.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 472.75 m 366.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 472.75 m 436.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 486.75 m 436.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 486.75 m 506.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 472.75 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 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 296.5 472.75 m 366.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 444.75 m 366.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 472.75 m 436.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 444.75 m 436.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 472.75 m 436.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 472.75 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 436.5 444.75 m 506.5 444.75 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 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 506.5 444.75 m 576.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 444.75 m 436.5 430.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 416.75 m 296.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 416.75 m 366.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 416.75 m 436.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 430.75 m 436.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 416.75 m 506.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 416.75 m 576.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 416.75 m 296.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 402.75 m 296.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 416.75 m 366.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 402.75 m 366.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 416.75 m 436.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 402.75 m 436.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 416.75 m 436.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 416.75 m 506.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 402.75 m 506.5 402.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 402.75 m 576.5 402.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 548.98 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.15 549.20 Td (Y) Tj ET Q q 0 0 0 rg BT 393.15 549.20 Td (ear) Tj ET Q q 0 0 0 rg BT 405.06 549.20 Td ( ended December) Tj ET Q q 0 0 0 rg BT 471.38 549.20 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 535.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 535.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 535.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.00 535.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 519.20 Td (Amount of gain \(loss\) r) Tj ET Q q 0 0 0 rg BT 127.42 519.20 Td (ecognized in ) Tj ET Q q 0 0 0 rg BT 176.59 519.20 Td (AOCI on derivative) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 505.20 Td (Inter) Tj ET Q q 0 0 0 rg BT 58.33 505.20 Td (est rate contracts) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 124.30 509.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.00 505.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.50 505.20 Td (\(361) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 505.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 505.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 505.21 Td (\(165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 505.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 505.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 505.21 Td (\(219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 505.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 491.20 Td (For) Tj ET Q q 0 0 0 rg BT 52.91 491.20 Td (eign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.50 491.20 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 491.21 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 491.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 491.21 Td (69) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 477.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 477.20 Td (otal gain \(loss\) r) Tj ET Q q 0 0 0 rg BT 105.84 477.20 Td (ecognized in ) Tj ET Q q 0 0 0 rg BT 155.01 477.20 Td (AOCI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.00 477.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.50 477.20 Td (\(356) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 477.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 477.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 477.21 Td (\(173) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 477.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 477.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 477.21 Td (\(150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 477.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 449.20 Td (Amount of gain \(loss\) r) Tj ET Q q 0 0 0 rg BT 127.42 449.20 Td (eclassified fr) Tj ET Q q 0 0 0 rg BT 175.49 449.20 Td (om ) Tj ET Q q 0 0 0 rg BT 189.41 449.20 Td (AOCI to earnings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.55 458.20 Td (Other) Tj ET Q q 0 0 0 rg BT 342.38 458.20 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.80 449.20 Td (r) Tj ET Q q 0 0 0 rg BT 319.63 449.20 Td (evenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.70 458.20 Td (Net inter) Tj ET Q q 0 0 0 rg BT 412.77 458.20 Td (est ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.80 449.20 Td (r) Tj ET Q q 0 0 0 rg BT 389.63 449.20 Td (evenue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.75 458.21 Td (Other ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 449.21 Td (revenue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.75 458.21 Td (Other ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 449.21 Td (revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 435.20 Td (Inter) Tj ET Q q 0 0 0 rg BT 58.33 435.20 Td (est rate contracts) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 124.30 439.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.00 435.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 435.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 435.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.50 435.20 Td (\(301) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 435.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 435.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 435.21 Td (\(126) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 435.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 435.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 435.21 Td (\(140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 435.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 421.20 Td (For) Tj ET Q q 0 0 0 rg BT 52.91 421.20 Td (eign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.00 421.20 Td (\(17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 421.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 421.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 421.21 Td (\(10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 421.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 421.21 Td (\(93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 421.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 407.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 407.20 Td (otal gain \(loss\) r) Tj ET Q q 0 0 0 rg BT 105.76 407.20 Td (eclassified fr) Tj ET Q q 0 0 0 rg BT 153.83 407.20 Td (om ) Tj ET Q q 0 0 0 rg BT 167.58 407.20 Td (AOCI into earnings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.00 407.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.00 407.20 Td (\(17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 407.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 407.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.50 407.20 Td (\(301) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 407.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 407.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 407.21 Td (\(136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 407.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 407.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 407.21 Td (\(233) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 407.21 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 385.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 385.65 Td (After January 1, 2018, all amounts reclassified into earnings for interest rate contracts are included in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 380.11 385.65 Td (Inter) Tj ET Q q 0 0 0 rg BT 395.36 385.65 Td (est income/Inter) Tj ET Q q 0 0 0 rg BT 446.83 385.65 Td (est expense \(Net inter) Tj ET Q q 0 0 0 rg BT 515.62 385.65 Td (est r) Tj ET Q q 0 0 0 rg BT 529.32 385.65 Td (evenue\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.19 385.65 Td (. For ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 376.05 Td (all other hedges, including interest rate hedges prior to January 1, 2018, the amounts reclassified to earnings are included primarily in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 483.21 376.05 Td (Other r) Tj ET Q q 0 0 0 rg BT 506.69 376.05 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 528.89 376.05 Td ( and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 544.44 376.05 Td (Net ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 366.45 Td (inter) Tj ET Q q 0 0 0 rg BT 68.81 366.45 Td (est r) Tj ET Q q 0 0 0 rg BT 82.52 366.45 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.72 366.45 Td ( in the Consolidated Statement of Income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 344.85 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 36.00 332.85 Td (hedging derivative remain in ) Tj ET Q q 0 0 0 rg BT 153.19 332.85 Td (AOCI on the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 320.85 Td (Balance Sheet and will be included in the earnings of future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 308.85 Td (periods to of) Tj ET Q q 0 0 0 rg BT 86.37 308.85 Td (fset the variability of the hedged cash flows when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 296.85 Td (such cash flows af) Tj ET Q q 0 0 0 rg BT 109.41 296.85 Td (fect earnings. ) Tj ET Q q 0 0 0 rg BT 165.59 296.85 Td (The net gain \(loss\) associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 284.85 Td (with cash flow hedges expected to be reclassified from ) Tj ET Q q 0 0 0 rg BT 257.31 284.85 Td (AOCI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 272.85 Td (within 12months of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.33 272.85 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.92 272.85 Td ( is approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 260.85 Td ($404 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.39 260.85 Td (. ) Tj ET Q q 0 0 0 rg BT 92.21 260.85 Td (The maximum length of time over which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 248.85 Td (forecasted cash flows are hedged is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.83 248.85 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.83 248.85 Td ( years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 236.85 Td (The after) Tj ET Q q 0 0 0 rg BT 90.16 236.85 Td (-tax impact of cash flow hedges on ) Tj ET Q q 0 0 0 rg BT 232.07 236.85 Td (AOCI is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 224.85 Td (shown in Note19 to the Consolidated Financial Statements.) 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 33.60 Td (238) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Net Investment Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Consistent with ) Tj ET Q q 0 0 0 rg BT 100.45 737.25 Td (ASC 830-20, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 155.74 737.25 Td (For) Tj ET Q q 0 0 0 rg BT 170.37 737.25 Td (eign Curr) Tj ET Q q 0 0 0 rg BT 209.16 737.25 Td (ency Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (For) Tj ET Q q 0 0 0 rg BT 50.63 725.25 Td (eign Curr) Tj ET Q q 0 0 0 rg BT 89.43 725.25 Td (ency T) Tj ET Q q 0 0 0 rg BT 115.25 725.25 Td (ransactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.92 725.25 Td (, ) Tj ET Q q 0 0 0 rg BT 166.37 725.25 Td (ASC 815 allows the hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (of 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 36.00 701.25 Td (operation. Citigroup uses foreign currency forwards, cross-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (currency swaps, options and foreign currency-denominated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (debt instruments to manage the foreign exchange risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (associated with Citigroup) Tj ET Q q 0 0 0 rg BT 140.99 665.25 Td (s equity investments in several non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (U.S.-dollar) Tj ET Q q 0 0 0 rg BT 80.24 653.25 Td (-functional-currency foreign subsidiaries. Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (records the change in the carrying amount of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (investments in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 111.27 629.25 Td (For) Tj ET Q q 0 0 0 rg BT 125.90 629.25 Td (eign curr) Tj ET Q q 0 0 0 rg BT 162.46 629.25 Td (ency translation adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.56 629.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (account within ) Tj ET Q q 0 0 0 rg BT 97.10 617.25 Td (AOCI. Simultaneously) Tj ET Q q 0 0 0 rg BT 188.11 617.25 Td (, the ef) Tj ET Q q 0 0 0 rg BT 215.42 617.25 Td (fective portion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (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 233.72 605.25 Td (For) Tj ET Q q 0 0 0 rg BT 248.35 605.25 Td (eign ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (curr) Tj ET Q q 0 0 0 rg BT 52.85 593.25 Td (ency translation adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.95 593.25 Td ( account and any inef) Tj ET Q q 0 0 0 rg BT 249.29 593.25 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (portion is immediately recorded in earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 569.25 Td (For derivatives designated as net investment hedges, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (Citigroup follows the forward-rate method outlined in ) Tj ET Q q 0 0 0 rg BT 254.01 557.25 Td (ASC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (815-35-35. ) Tj ET Q q 0 0 0 rg BT 82.11 545.25 Td (According to that method, all changes in fair value, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (including changes related to the forward-rate component of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (the foreign currency forward contracts and the time value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (foreign currency options, are recorded in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 216.48 509.25 Td (For) Tj ET Q q 0 0 0 rg BT 231.11 509.25 Td (eign curr) Tj ET Q q 0 0 0 rg BT 267.67 509.25 Td (ency ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (translation adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.28 497.25 Td ( account within ) Tj ET Q q 0 0 0 rg BT 189.88 497.25 Td (AOCI.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 485.25 Td (For foreign currency-denominated debt instruments that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 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 36.00 461.25 Td (gain or loss that is recorded in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 173.74 461.25 Td (For) Tj ET Q q 0 0 0 rg BT 188.37 461.25 Td (eign curr) Tj ET Q q 0 0 0 rg BT 224.94 461.25 Td (ency ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (translation adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.28 449.25 Td ( account is based on the spot exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (rate between the functional currency of the respective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (subsidiary and the U.S. dollar) Tj ET Q q 0 0 0 rg BT 154.47 425.25 Td (, which is the functional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (currency of Citigroup. ) Tj ET Q q 0 0 0 rg BT 127.46 413.25 Td (T) Tj ET Q q 0 0 0 rg BT 132.87 413.25 Td (o the extent that the notional amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (of the hedging instrument exactly matches the hedged net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (investment, and the underlying exchange rate of the derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (hedging instrument relates to the exchange rate between the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (functional currency of the net investment and Citigroup) Tj ET Q q 0 0 0 rg BT 261.21 365.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (functional currency \(or) Tj ET Q q 0 0 0 rg BT 127.78 353.25 Td (, in the case of a non-derivative debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (instrument, such instrument is denominated in the functional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (currency of the net investment\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.95 329.25 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.95 329.25 Td ( inef) Tj ET Q q 0 0 0 rg BT 193.82 329.25 Td (fectiveness is recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (in earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 305.25 Td (The pretax gain \(loss\) recorded in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 206.44 305.25 Td (For) Tj ET Q q 0 0 0 rg BT 221.07 305.25 Td (eign curr) Tj ET Q q 0 0 0 rg BT 257.64 305.25 Td (ency ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (translation adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.28 293.25 Td ( account within ) Tj ET Q q 0 0 0 rg BT 189.88 293.25 Td (AOCI, related to net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (investment hedges, is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.32 281.25 Td ($1,207 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.21 281.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.21 281.25 Td ($2,528 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.10 281.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td ($\(220\) million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.05 269.25 Td ( for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.43 269.25 Td (years ended) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.90 269.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.40 269.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.99 269.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.99 269.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.99 269.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.94 257.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.94 257.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 125.60 257.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (Economic Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (Citigroup often uses economic hedges when hedge accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (would be too complex or operationally burdensome. End-user ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (derivatives that are economic hedges are carried at fair value, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (with changes in value included in either ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 197.89 185.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.62 185.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 46.83 173.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 76.18 173.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.93 173.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 161.25 Td (For asset/liability management hedging, fixed-rate long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (term debt is recorded at amortized cost under GAAP) Tj ET Q q 0 0 0 rg BT 245.38 149.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 137.25 Td (For other hedges that either do not meet the ) Tj ET Q q 0 0 0 rg BT 230.34 137.25 Td (ASC 815 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td (hedging criteria or for which management decides not to apply ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.25 Td (ASC 815 hedge accounting, the derivative is recorded at fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 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 89.25 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 77.25 Td (carried at amortized cost. ) Tj ET Q q 0 0 0 rg BT 139.38 77.25 Td (Therefore, current earnings are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (af) Tj ET Q q 0 0 0 rg BT 43.59 65.25 Td (fected by the interest rate shifts and other factors that cause a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (change in the swap) Tj ET Q q 0 0 0 rg BT 403.14 749.10 Td (s value, but for which no of) Tj ET Q q 0 0 0 rg BT 513.21 749.10 Td (fsetting change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (in value is recorded on the debt.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 725.10 Td (Citigroup may alternatively elect to account for the debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (at fair value under the fair value option. Once the irrevocable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 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 324.00 689.10 Td (fair value of the debt is reported in earnings. ) Tj ET Q q 0 0 0 rg BT 503.76 689.10 Td (The changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (fair value of the related interest rate swap are also reflected in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (earnings, which provides a natural of) Tj ET Q q 0 0 0 rg BT 472.11 665.10 Td (fset to the debt) Tj ET Q q 0 0 0 rg BT 534.03 665.10 Td (s fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (value change. ) Tj ET Q q 0 0 0 rg BT 381.29 653.10 Td (T) Tj ET Q q 0 0 0 rg BT 386.70 653.10 Td (o the extent that the two amounts dif) Tj ET Q q 0 0 0 rg BT 532.88 653.10 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (because the full change in the fair value of the debt includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (risks not of) Tj ET Q q 0 0 0 rg BT 368.82 629.10 Td (fset by the interest rate swap, the dif) Tj ET Q q 0 0 0 rg BT 513.59 629.10 Td (ference is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (automatically captured in current earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 605.10 Td (Additional economic hedges include hedges of the credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (risk component of commercial loans and loan commitments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (Citigroup periodically evaluates its hedging strategies in other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (areas and may designate either an accounting hedge or an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (economic hedge after considering the relative costs and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (benefits. Economic hedges are also employed when the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (hedged item itself is marked to market through current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (earnings, such as hedges of commitments to originate one- to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (four) Tj ET Q q 0 0 0 rg BT 340.46 509.10 Td (-family mortgage loans to be HFS and MSRs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (Cr) Tj ET Q q 0 0 0 rg BT 335.48 485.10 Td (edit Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 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 324.00 461.10 Td (Through these contracts, Citi either purchases or writes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 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 324.00 437.10 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 324.00 425.10 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 324.00 413.10 Td (cash positions and to facilitate client transactions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 401.10 Td (Citi monitors its counterparty credit risk in credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (derivative contracts. ) Tj ET Q q 0 0 0 rg BT 407.02 389.10 Td (As of both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.74 389.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.33 389.10 Td ( and 2017, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.26 377.10 Td (98%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.59 377.10 Td ( of the gross receivables are from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (counterparties with which Citi maintains collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 373.98 353.10 Td (A) Tj ET Q q 0 0 0 rg BT 380.65 353.10 Td ( majority of Citi) Tj ET Q q 0 0 0 rg BT 448.15 353.10 Td (s top ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.82 353.10 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.82 353.10 Td ( counterparties \(by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (receivable balance owed to Citi\) are banks, financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (institutions or other dealers. Contracts with these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (counterparties do not include ratings-based termination events. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (However) Tj ET Q q 0 0 0 rg BT 360.25 305.10 Td (, counterparty ratings downgrades may have an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (incremental ef) Tj ET Q q 0 0 0 rg BT 381.29 293.10 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 324.00 281.10 Td (call for additional collateral. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 269.10 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 324.00 257.10 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 324.00 245.10 Td (linked notes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 233.10 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 233.10 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 324.00 221.10 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 324.00 209.10 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 324.00 197.10 Td (reference entity) Tj ET Q q 0 0 0 rg BT 385.81 197.10 Td (. ) Tj ET Q q 0 0 0 rg BT 390.63 197.10 Td (These credit events are defined by the terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 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 324.00 173.10 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 324.00 161.10 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 324.00 149.10 Td (more limited range of transactions, debt restructuring. Credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (derivative transactions that reference emer) Tj ET Q q 0 0 0 rg BT 493.73 137.10 Td (ging market entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (also typically include additional credit events to cover the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 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 324.00 101.10 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 89.10 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 77.10 Td (securities. If there is no credit event, as defined by the specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (derivative contract, then the protection seller makes no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (payments to the protection buyer and receives only the ) 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 33.60 Td (239) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (contractually specified fee. However) Tj ET Q q 0 0 0 rg BT 182.75 749.10 Td (, if a credit event occurs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 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 36.00 725.10 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 36.00 713.10 Td (protection buyer) Tj ET Q q 0 0 0 rg BT 101.26 713.10 Td (. Under certain contracts, the seller of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 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 36.00 689.10 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 36.00 677.10 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 36.00 665.10 Td (specified amount.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 653.10 Td (A) Tj ET Q q 0 0 0 rg BT 60.67 653.10 Td ( total return swap typically transfers the total economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 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 36.00 629.10 Td (cash flows, as well as capital appreciation or depreciation. ) Tj ET Q q 0 0 0 rg BT 271.00 629.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 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 36.00 605.10 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 36.00 593.10 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 36.00 581.10 Td (associated with the reference asset plus any appreciation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 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 36.00 557.10 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 36.00 545.10 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 36.00 533.10 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 36.00 521.10 Td (underlying asset. ) Tj ET Q q 0 0 0 rg BT 105.71 521.10 Td (A) Tj ET Q q 0 0 0 rg BT 112.38 521.10 Td ( total return swap may terminate upon a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 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 36.00 497.10 Td (the reference entity) Tj ET Q q 0 0 0 rg BT 112.52 497.10 Td (, subject to the provisions of the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 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 36.00 473.10 Td (the protection buyer) Tj ET Q q 0 0 0 rg BT 115.98 473.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 461.10 Td (A) Tj ET Q q 0 0 0 rg BT 60.67 461.10 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 36.00 449.10 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 36.00 437.10 Td (entity) Tj ET Q q 0 0 0 rg BT 58.12 437.10 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 36.00 425.10 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 36.00 413.10 Td (the reference entity at a specified strike spread level. ) Tj ET Q q 0 0 0 rg BT 257.37 413.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 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 36.00 389.10 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 36.00 377.10 Td (writer at the strike spread level. ) Tj ET Q q 0 0 0 rg BT 164.38 377.10 Td (The payments on credit spread ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 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 36.00 353.10 Td (of the underlying credit-sensitive asset or other reference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (entity) Tj ET Q q 0 0 0 rg BT 58.12 341.10 Td (. ) Tj ET Q q 0 0 0 rg BT 62.94 341.10 Td (The options usually terminate if a credit event occurs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (with respect to the underlying reference entity) Tj ET Q q 0 0 0 rg BT 219.72 329.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 317.10 Td (A) Tj ET Q q 0 0 0 rg BT 60.67 317.10 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 36.00 305.10 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 36.00 293.10 Td (swap. ) Tj ET Q q 0 0 0 rg BT 61.37 293.10 Td (The purchaser of the note ef) Tj ET Q q 0 0 0 rg BT 173.64 293.10 Td (fectively provides credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 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 36.00 269.10 Td (could be negatively af) Tj ET Q q 0 0 0 rg BT 124.39 269.10 Td (fected by credit events on the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 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 36.00 245.10 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 36.00 233.10 Td (security of the reference entity) Tj ET Q q 0 0 0 rg BT 157.51 233.10 Td (. ) Tj ET Q q 0 0 0 rg BT 162.33 233.10 Td (Thus, the maximum amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (the note purchaser) Tj ET Q q 0 0 0 rg BT 109.67 221.10 Td () Tj ET Q q 0 0 0 rg BT 112.45 221.10 Td (s exposure is the amount paid for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (credit-linked note.) 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 (240) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (The following tables summarize the key characteristics of Citi) Tj ET Q q 0 0 0 rg BT 287.59 749.10 Td (s credit derivatives portfolio by counterparty and derivative form:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 701.60 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 701.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 701.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 701.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 701.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 673.60 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 673.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 673.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 673.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 673.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 645.60 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 645.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 645.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 645.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 645.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 617.60 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 617.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 617.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 617.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 617.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 589.60 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 589.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 589.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 589.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 589.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 561.60 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 561.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 561.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 561.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 561.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 533.60 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 533.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 533.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 533.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 533.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 505.60 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 505.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 505.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 505.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 505.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 477.60 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 477.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 477.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 477.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 477.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 449.60 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 449.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 449.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 449.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 449.60 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 196.5 724.6 m 291.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 724.6 m 386.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 724.6 m 481.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 724.6 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 196.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 701.6 m 291.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 701.6 m 386.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 701.6 m 481.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 701.6 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 196.5 631.6 m 291.5 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 631.6 m 386.5 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 631.6 m 481.5 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 631.6 m 576.5 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 631.6 m 196.5 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 617.6 m 196.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 631.6 m 291.5 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 631.6 m 386.5 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 631.6 m 481.5 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 631.6 m 576.5 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 617.6 m 576.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 617.6 m 291.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 617.6 m 386.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 617.6 m 481.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 617.6 m 576.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 575.6 m 291.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 575.6 m 386.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 575.6 m 481.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 575.6 m 576.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 575.6 m 196.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 561.6 m 196.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 575.6 m 291.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 575.6 m 386.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 575.6 m 481.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 575.6 m 576.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 561.6 m 291.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 561.6 m 386.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 561.6 m 481.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 561.6 m 576.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 519.6 m 291.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 519.6 m 386.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 519.6 m 481.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 519.6 m 576.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 519.6 m 196.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 505.6 m 196.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 519.6 m 291.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 505.6 m 291.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 519.6 m 386.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 505.6 m 386.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 519.6 m 481.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 505.6 m 481.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 519.6 m 576.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 505.6 m 576.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 505.6 m 291.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 505.6 m 386.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 505.6 m 481.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 505.6 m 576.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 449.6 m 291.5 449.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 449.6 m 386.5 449.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 449.6 m 481.5 449.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 449.6 m 576.5 449.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 449.6 m 196.5 449.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 435.6 m 196.5 435.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 449.6 m 291.5 449.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 435.6 m 291.5 435.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 449.6 m 386.5 449.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 435.6 m 386.5 435.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 449.6 m 481.5 449.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 435.6 m 481.5 435.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 449.6 m 576.5 449.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 435.6 m 576.5 435.6 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 269.70 729.05 Td (Fair) Tj ET Q q 0 0 0 rg BT 286.11 729.05 Td ( values) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.70 729.05 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, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.30 706.05 Td (Receivable) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 260.78 710.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.80 706.05 Td (Payable) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 350.30 710.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.55 715.05 Td (Pr) Tj ET Q q 0 0 0 rg BT 422.96 715.05 Td (otection) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.55 706.05 Td (pur) Tj ET Q q 0 0 0 rg BT 427.47 706.05 Td (chased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.55 715.05 Td (Pr) Tj ET Q q 0 0 0 rg BT 517.88 715.05 Td (otection) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.70 706.05 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 39.00 678.06 Td (Banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 678.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.75 678.05 Td (4,785) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 678.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 678.05 Td (4,432) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 678.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 678.05 Td (214,842) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 678.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 678.05 Td (218,273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 664.06 Td (Broker) Tj ET Q q 0 0 0 rg BT 63.90 664.06 Td (-dealers) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.75 664.05 Td (1,706) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 664.05 Td (1,612) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 664.05 Td (62,904) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 664.05 Td (63,014) 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 279.00 650.05 Td (64) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 650.05 Td (87) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 650.05 Td (2,687) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 650.05 Td (1,192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 636.06 Td (Insurance and other financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.75 636.05 Td (4,210) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 636.05 Td (4,220) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 636.05 Td (515,216) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 636.05 Td (442,460) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 622.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 622.05 Td (otal by industry/counterparty) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 622.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 622.05 Td (10,765) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 622.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 622.05 Td (10,351) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 622.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 622.05 Td (795,649) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 622.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 622.05 Td (724,939) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 608.05 Td (By instrument) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 594.06 Td (Credit default swaps and options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 594.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 594.05 Td (10,030) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 594.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 594.05 Td (9,755) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 594.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 594.05 Td (771,865) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 594.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 594.05 Td (712,623) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 580.06 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 580.06 Td (otal return swaps and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.50 580.05 Td (735) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.50 580.05 Td (596) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 580.05 Td (23,784) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 580.05 Td (12,316) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 566.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 566.05 Td (otal by instrument) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 566.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 566.05 Td (10,765) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 566.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 566.05 Td (10,351) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 566.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 566.05 Td (795,649) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 566.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 566.05 Td (724,939) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 552.05 Td (By rating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 538.06 Td (Investment grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 538.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.75 538.05 Td (4,725) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 538.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 538.05 Td (4,544) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 538.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 538.05 Td (637,790) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 538.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 538.05 Td (568,849) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 524.06 Td (Non-investment grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.75 524.05 Td (6,040) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 524.05 Td (5,807) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 524.05 Td (157,859) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 524.05 Td (156,090) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 510.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 510.05 Td (otal by rating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 510.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 510.05 Td (10,765) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 510.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 510.05 Td (10,351) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 510.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 510.05 Td (795,649) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 510.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 510.05 Td (724,939) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 496.05 Td (By maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 482.06 Td (W) Tj ET Q q 0 0 0 rg BT 47.31 482.06 Td (ithin 1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 482.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.75 482.05 Td (2,037) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 482.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 482.05 Td (2,063) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 482.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 482.05 Td (251,994) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 482.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 482.05 Td (225,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 468.06 Td (From 1 to 5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.75 468.05 Td (6,720) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 468.05 Td (6,414) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 468.05 Td (493,096) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 468.05 Td (456,409) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 454.06 Td (After 5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.75 454.05 Td (2,008) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 454.05 Td (1,874) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 454.05 Td (50,559) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 454.05 Td (42,933) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 440.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 440.05 Td (otal by maturity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 440.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 440.05 Td (10,765) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 440.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 440.05 Td (10,351) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 440.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 440.05 Td (795,649) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 440.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 440.05 Td (724,939) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 416.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 416.90 Td (The fair value amount receivable is composed of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 212.16 416.90 Td ($5,126 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 259.27 416.90 Td ( under protection purchased and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.90 416.90 Td ($5,639 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.02 416.90 Td ( under protection sold.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 407.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 407.30 Td (The fair value amount payable is composed of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.17 407.30 Td ($5,882 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.29 407.30 Td ( under protection purchased and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.91 407.30 Td ($4,469 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.03 407.30 Td ( under protection sold.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 350.20 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 350.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 350.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 350.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 350.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 322.20 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 322.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 322.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 322.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 322.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 294.20 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 294.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 294.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 294.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 294.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 266.20 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 266.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 266.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 266.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 266.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 238.20 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 238.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 238.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 238.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 238.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 210.20 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 210.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 210.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 210.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 210.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 182.20 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 182.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 182.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 182.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 182.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 154.20 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 154.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 154.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 154.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 154.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 126.20 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 126.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 126.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 126.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 126.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 98.20 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 98.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 98.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 98.20 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 98.20 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 195.5 373.20000000000005 m 290.5 373.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 373.20000000000005 m 385.5 373.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 373.20000000000005 m 480.5 373.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 373.20000000000005 m 575.5 373.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 350.20000000000005 m 195.5 350.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 350.20000000000005 m 290.5 350.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 350.20000000000005 m 385.5 350.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 350.20000000000005 m 480.5 350.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 350.20000000000005 m 575.5 350.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 280.20000000000005 m 290.5 280.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 280.20000000000005 m 385.5 280.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 280.20000000000005 m 480.5 280.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 280.20000000000005 m 575.5 280.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 280.20000000000005 m 195.5 280.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 266.20000000000005 m 195.5 266.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 280.20000000000005 m 290.5 280.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 266.20000000000005 m 290.5 266.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 280.20000000000005 m 385.5 280.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 266.20000000000005 m 385.5 266.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 280.20000000000005 m 480.5 280.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 266.20000000000005 m 480.5 266.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 280.20000000000005 m 575.5 280.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 266.20000000000005 m 575.5 266.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 266.20000000000005 m 290.5 266.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 266.20000000000005 m 385.5 266.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 266.20000000000005 m 480.5 266.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 266.20000000000005 m 575.5 266.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 224.20000000000005 m 290.5 224.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 224.20000000000005 m 385.5 224.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 224.20000000000005 m 480.5 224.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 224.20000000000005 m 575.5 224.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 224.20000000000005 m 195.5 224.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 210.20000000000005 m 195.5 210.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 224.20000000000005 m 290.5 224.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 210.20000000000005 m 290.5 210.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 224.20000000000005 m 385.5 224.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 210.20000000000005 m 385.5 210.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 224.20000000000005 m 480.5 224.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 210.20000000000005 m 480.5 210.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 224.20000000000005 m 575.5 224.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 210.20000000000005 m 575.5 210.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 210.20000000000005 m 290.5 210.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 210.20000000000005 m 385.5 210.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 210.20000000000005 m 480.5 210.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 210.20000000000005 m 575.5 210.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 168.20000000000005 m 290.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 168.20000000000005 m 385.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 168.20000000000005 m 480.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 168.20000000000005 m 575.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 168.20000000000005 m 195.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 154.20000000000005 m 195.5 154.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 168.20000000000005 m 290.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 154.20000000000005 m 290.5 154.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 168.20000000000005 m 385.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 154.20000000000005 m 385.5 154.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 168.20000000000005 m 480.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 154.20000000000005 m 480.5 154.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 168.20000000000005 m 575.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 154.20000000000005 m 575.5 154.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 154.20000000000005 m 290.5 154.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 154.20000000000005 m 385.5 154.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 154.20000000000005 m 480.5 154.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 154.20000000000005 m 575.5 154.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 98.20000000000005 m 290.5 98.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 98.20000000000005 m 385.5 98.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 98.20000000000005 m 480.5 98.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 98.20000000000005 m 575.5 98.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 98.20000000000005 m 195.5 98.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 84.20000000000005 m 195.5 84.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 98.20000000000005 m 290.5 98.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 84.20000000000005 m 290.5 84.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 98.20000000000005 m 385.5 98.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 84.20000000000005 m 385.5 84.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 98.20000000000005 m 480.5 98.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 84.20000000000005 m 480.5 84.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 98.20000000000005 m 575.5 98.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 84.20000000000005 m 575.5 84.20000000000005 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 377.65 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.10 377.66 Td (Fair values) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 377.66 Td (Notionals) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 354.45 Td (In millions of dollars at December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.10 354.66 Td (Receivable) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 259.08 358.74 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.80 354.66 Td (Payable) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 348.29 358.74 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 363.66 Td (Protection) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.25 354.66 Td (purchased) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 363.66 Td (Protection) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.95 354.66 Td (sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 340.65 Td (By industry/counterparty) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 326.66 Td (Banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 326.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.75 326.66 Td (7,471) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 326.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 326.66 Td (6,669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 326.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 326.66 Td (264,414) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 326.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 326.66 Td (273,71) Tj ET Q q 0 0 0 rg BT 567.50 326.66 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 312.66 Td (Broker) Tj ET Q q 0 0 0 rg BT 62.90 312.66 Td (-dealers) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.75 312.66 Td (2,325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 312.66 Td (2,285) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 312.66 Td (73,273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 312.66 Td (83,229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 298.66 Td (Non-financial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 298.66 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 298.66 Td (91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 298.66 Td (1,288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 298.66 Td (1,140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 284.66 Td (Insurance and other financial institutions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 284.66 Td (10,668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 284.66 Td (12,488) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 284.66 Td (438,738) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 284.66 Td (377,062) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 270.65 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 270.65 Td (otal by industry/counterparty) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 270.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 270.66 Td (20,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 270.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 270.66 Td (21,533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 270.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 270.66 Td (777,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 270.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 270.66 Td (735,142) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 256.65 Td (By instrument) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 242.66 Td (Credit default swaps and options) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 242.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 242.66 Td (20,251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 242.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 242.66 Td (20,554) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 242.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 242.66 Td (754,1) Tj ET Q q 0 0 0 rg BT 468.00 242.66 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 242.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 242.66 Td (724,228) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 228.66 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 228.66 Td (otal return swaps and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 228.66 Td (283) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.50 228.66 Td (979) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 228.66 Td (23,599) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 228.66 Td (10,914) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 214.65 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 214.65 Td (otal by instrument) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 214.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 214.66 Td (20,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 214.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 214.66 Td (21,533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 214.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 214.66 Td (777,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 214.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 214.66 Td (735,142) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 200.65 Td (By rating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 186.66 Td (Investment grade) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 186.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 186.66 Td (10,473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 186.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 186.66 Td (10,616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 186.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 186.66 Td (588,324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 186.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 186.66 Td (557,987) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 172.66 Td (Non-investment grade) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 172.66 Td (10,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 172.66 Td (10,917) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 172.66 Td (189,389) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 172.66 Td (177,155) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 158.65 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 158.65 Td (otal by rating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 158.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 158.66 Td (20,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 158.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 158.66 Td (21,533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 158.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 158.66 Td (777,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 158.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 158.66 Td (735,142) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 144.65 Td (By maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 130.66 Td (W) Tj ET Q q 0 0 0 rg BT 46.31 130.66 Td (ithin 1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 130.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.75 130.66 Td (2,477) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 130.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 130.66 Td (2,914) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 130.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 130.66 Td (231,878) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 130.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 130.66 Td (218,097) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 116.66 Td (From 1 to 5years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 116.66 Td (16,098) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 116.66 Td (16,435) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 116.66 Td (498,606) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 116.66 Td (476,345) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 102.66 Td (After 5years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.75 102.66 Td (1,959) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 102.66 Td (2,184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 102.66 Td (47,229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 102.66 Td (40,700) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 88.65 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 88.65 Td (otal by maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 88.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 88.66 Td (20,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 88.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 88.66 Td (21,533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 88.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 88.66 Td (777,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 88.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 88.66 Td (735,142) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 65.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 65.50 Td (The fair value amount receivable is composed of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 212.16 65.50 Td ($3,195 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 259.27 65.50 Td ( under protection purchased and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.90 65.50 Td ($17,339 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.02 65.50 Td ( under protection sold. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 55.90 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 55.90 Td (The fair value amount payable is composed of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.17 55.90 Td ($3,147 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.29 55.90 Td ( under protection purchased and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.91 55.90 Td ($18,386 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.03 55.90 Td ( under protection sold.) 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 (241) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 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 36.00 737.10 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 36.00 725.10 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 36.00 713.10 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 36.00 701.10 Td (may hold the reference assets directly rather than entering into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 689.10 Td (fsetting credit derivative contracts as and when desired. ) Tj ET Q q 0 0 0 rg BT 268.61 689.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (open risk exposures from credit derivative contracts are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (lar) Tj ET Q q 0 0 0 rg BT 46.37 665.10 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 36.00 653.10 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 36.00 641.10 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 36.00 629.10 Td (subordination in tranched structures. ) Tj ET Q q 0 0 0 rg BT 184.39 629.10 Td (The ratings of the credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 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 36.00 605.10 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 36.00 593.10 Td (internal or external ratings of the reference asset or entity) Tj ET Q q 0 0 0 rg BT 264.41 593.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 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 36.00 569.10 Td (considered to be Baa/BBB and above, while anything below ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (is considered non-investment grade. Citi) Tj ET Q q 0 0 0 rg BT 200.69 557.10 Td (s internal ratings are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (in line with the related external rating system. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 533.10 Td (Citigroup evaluates the payment/performance risk of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 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 36.00 509.10 Td (based on the credit rating assigned to the underlying reference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (credit. Credit derivatives written on an underlying non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (investment grade reference credit represent greater payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (risk to the Company) Tj ET Q q 0 0 0 rg BT 116.73 473.10 Td (. ) Tj ET Q q 0 0 0 rg BT 121.55 473.10 Td (The non-investment grade category in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (the table above also includes credit derivatives where the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (underlying reference entity has been downgraded subsequent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (to the inception of the derivative. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 425.10 Td (The maximum potential amount of future payments under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 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 36.00 401.10 Td (based on the notional value of the derivatives. ) Tj ET Q q 0 0 0 rg BT 222.15 401.10 Td (The Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 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 36.00 377.10 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 36.00 365.10 Td (historical experience. ) Tj ET Q q 0 0 0 rg BT 123.83 365.10 Td (This amount has not been reduced by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 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 36.00 341.10 Td (accordance with most credit derivative contracts, should a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (credit event occur) Tj ET Q q 0 0 0 rg BT 107.23 329.10 Td (, the Company usually is liable for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 317.10 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 36.00 305.10 Td (reference assets. Furthermore, the notional amount for credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 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 36.00 281.10 Td (paid to a given counterparty) Tj ET Q q 0 0 0 rg BT 147.53 281.10 Td (, as such payments would be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (calculated after netting all derivative exposures, including any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 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 36.00 245.10 Td (related master netting agreement. Due to such netting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (processes, determining the amount of collateral that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (corresponds to credit derivative exposures alone is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (possible. ) Tj ET Q q 0 0 0 rg BT 73.60 209.10 Td (The Company actively monitors open credit-risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 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 36.00 185.10 Td (strategies, including purchased credit derivatives, cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (collateral or direct holdings of the referenced assets. ) Tj ET Q q 0 0 0 rg BT 247.12 173.10 Td (This risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (mitigation activity is not captured in the table above.) 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 Risk-Related Contingent Featur) Tj ET Q q 0 0 0 rg BT 491.12 749.25 Td (es in Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Certain derivative instruments contain provisions that require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (the Company to either post additional collateral or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (immediately settle any outstanding liability balances upon the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 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 324.00 689.25 Td (Company) Tj ET Q q 0 0 0 rg BT 362.24 689.25 Td (. ) Tj ET Q q 0 0 0 rg BT 367.06 689.25 Td (These events, which are defined by the existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (derivative contracts, are primarily downgrades in the credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (ratings of the Company and its af) Tj ET Q q 0 0 0 rg BT 457.13 665.25 Td (filiates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 653.25 Td (The fair value \(excluding CV) Tj ET Q q 0 0 0 rg BT 458.45 653.25 Td (A\) of all derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (instruments with credit-risk-related contingent features that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (were in a net liability position at both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.19 629.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.78 629.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (2017 was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.55 617.25 Td ($33 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.17 617.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 617.25 Td ($29 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.22 617.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 523.88 617.25 Td (. ) Tj ET Q q 0 0 0 rg BT 528.70 617.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (Company posted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.00 605.25 Td ($33 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.61 605.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.05 605.25 Td ($28 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.66 605.25 Td ( as collateral for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (this exposure in the normal course of business as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.58 581.25 Td ( and 2017, respectively) Tj ET Q q 0 0 0 rg BT 494.68 581.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 569.25 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 569.25 Td ( downgrade could trigger additional collateral or cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (settlement requirements for the Company and certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (af) Tj ET Q q 0 0 0 rg BT 331.59 545.25 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 324.00 533.25 Td (downgraded a single notch by all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.97 533.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.95 533.25 Td ( major rating agencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.66 521.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.24 521.25 Td (, the Company could be required to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (post an additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.60 509.25 Td ($0.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.71 509.25 Td ( as either collateral or settlement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (of the derivative transactions. ) Tj ET Q q 0 0 0 rg BT 444.24 497.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 494.14 497.25 Td (, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 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 324.00 473.25 Td (collateral previously received from existing derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (counterparties in the amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.46 461.25 Td ($0.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.57 461.25 Td ( upon the single ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (notch downgrade, resulting in aggregate cash obligations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (collateral requirements of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.49 437.25 Td ($0.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.60 437.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (Derivatives ) Tj ET Q q 0 0 0 rg BT 374.26 413.25 Td (Accompanied by Financial ) Tj ET Q q 0 0 0 rg BT 490.11 413.25 Td (Asset ) Tj ET Q q 0 0 0 rg BT 515.20 413.25 Td (T) Tj ET Q q 0 0 0 rg BT 521.13 413.25 Td (ransfers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (The Company executes total return swaps that provide it with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (synthetic exposure to substantially all of the economic return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (of the securities or other financial assets referenced in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (contract. In certain cases, the derivative transaction is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (accompanied by the Company) Tj ET Q q 0 0 0 rg BT 448.13 353.25 Td (s transfer of the referenced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (financial asset to the derivative counterparty) Tj ET Q q 0 0 0 rg BT 500.78 341.25 Td (, most typically in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (response to the derivative counterparty) Tj ET Q q 0 0 0 rg BT 482.28 329.25 Td (s desire to hedge, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 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 324.00 305.25 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 324.00 293.25 Td (certain jurisdictions these transactions qualify as sales, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (resulting in derecognition of the securities transferred \(see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 Td (Note 1 to the Consolidated Financial Statements for further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (discussion of the related sale conditions for transfers of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.25 Td (financial assets\). For a significant portion of the transactions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.25 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 324.00 221.25 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 324.00 209.25 Td (economic return of the referenced securities to a dif) Tj ET Q q 0 0 0 rg BT 530.39 209.25 Td (ferent third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.25 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 324.00 185.25 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 324.00 173.25 Td (the referenced securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 161.25 Td (These transactions generally involve the transfer of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.25 Td (Company) Tj ET Q q 0 0 0 rg BT 365.67 149.25 Td (s liquid government bonds, convertible bonds or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.25 Td (publicly traded corporate equity securities from the trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.25 Td (portfolio and are executed with third-party financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.25 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 373.27 113.25 Td (The accompanying derivatives are typically total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.25 Td (return swaps. ) Tj ET Q q 0 0 0 rg BT 379.64 101.25 Td (The derivatives are cash settled and subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.25 Td (ongoing mar) Tj ET Q q 0 0 0 rg BT 374.64 89.25 Td (gin requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 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 324.00 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 324.00 53.25 Td (as a sale and separately reports the accompanying derivative ) 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 (242) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 84.69 749.10 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 36.00 737.10 Td (or loss on the sale of the security) Tj ET Q q 0 0 0 rg BT 166.71 737.10 Td (, because the transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (security was held at fair value in the Company) Tj ET Q q 0 0 0 rg BT 224.83 725.10 Td (s trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (portfolio. For transfers of financial assets accounted for as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (sale by the Company) Tj ET Q q 0 0 0 rg BT 119.50 701.10 Td (, and for which the Company has retained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 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 36.00 677.10 Td (asset through a total return swap executed with the same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (counterparty in contemplation of the initial sale and still ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (outstanding, both the asset amounts derecognized and gross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (cash proceeds received as of the date of derecognition were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td ($4.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.11 629.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.55 629.10 Td ($3.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.67 629.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.83 629.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.41 629.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (2017, respectively) Tj ET Q q 0 0 0 rg BT 108.66 617.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 605.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.50 605.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.08 605.10 Td (, the fair value of these previously ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (derecognized assets was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.68 593.10 Td ($4.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.80 593.10 Td (. ) Tj ET Q q 0 0 0 rg BT 186.62 593.10 Td (The fair value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (total return swaps as of December 31, 2018 was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.39 581.10 Td ($55 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.78 581.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (recorded as gross derivative assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.17 569.10 Td ($9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.56 569.10 Td ( recorded as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (gross derivative liabilities. ) Tj ET Q q 0 0 0 rg BT 143.76 557.10 Td (At December 31, 2017, the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (value of these previously derecognized assets was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.43 545.10 Td ($3.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.54 545.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 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 225.38 533.10 Td ($89 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.77 533.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (recorded as gross derivative assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.17 521.10 Td ($15 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.56 521.10 Td ( recorded as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (gross derivative liabilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 497.10 Td (The balances for the total return swaps are on a gross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (basis, before the application of counterparty and cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (collateral netting, and are included primarily as equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (derivatives in the tabular disclosures in this Note.) 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 (243) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (23. 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, 2018) 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 ($250.0 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 ($227.8 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, 2018) 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 (2017) 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 German and Japanese governments and their agencies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (which are rated investment grade by both Moody) Tj ET Q q 0 0 0 rg BT 235.67 485.25 Td (s and S&P) Tj ET Q q 0 0 0 rg BT 276.79 485.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (were the next lar) Tj ET Q q 0 0 0 rg BT 102.73 473.25 Td (gest exposures. ) Tj ET Q q 0 0 0 rg BT 166.15 473.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 225.86 473.25 Td (s exposure to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (Germany amounted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.92 461.25 Td ($46.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.03 461.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.47 461.25 Td ($38.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.58 461.25 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 449.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.02 449.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.02 449.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 206.68 449.25 Td (, and was composed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (of investment securities, loans and trading assets. ) Tj ET Q q 0 0 0 rg BT 235.50 437.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (Company) Tj ET Q q 0 0 0 rg BT 77.67 425.25 Td (s exposure to Japan amounted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.41 425.25 Td ($28.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.53 425.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td ($25.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.11 413.25 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.33 413.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.91 413.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.35 413.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.35 413.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 270.01 413.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (and was composed of investment securities, loans and trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (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 ($27.9 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 ($30.6 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 (2018) 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 (2017) 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 489 0 obj <> endobj 490 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (244) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (24.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 91.28 722.25 Td (Fair V) Tj ET Q q 0 0 0 rg BT 116.56 722.25 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 166.46 722.25 Td (ement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.34 722.25 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, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 650.25 Td (therefore represents an exit price. ) Tj ET Q q 0 0 0 rg BT 171.49 650.25 Td (Among other things, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 638.25 Td (standard requires the Company to maximize the use of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 626.25 Td (observable inputs and minimize the use of unobservable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 614.25 Td (inputs when measuring fair value.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 602.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 80.94 602.25 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 36.00 590.25 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 36.00 578.25 Td (other positions as well as the impact of Citigroup) Tj ET Q q 0 0 0 rg BT 235.41 578.25 Td (s own ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 566.25 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 36.00 554.25 Td (fair value.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 530.25 Td (Fair) Tj ET Q q 0 0 0 rg BT 54.14 530.25 Td ( ) Tj ET Q q 0 0 0 rg BT 56.46 530.25 Td (V) Tj ET Q q 0 0 0 rg BT 62.77 530.25 Td (alue Hierar) Tj ET Q q 0 0 0 rg BT 111.74 530.25 Td (chy) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 518.25 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 36.00 506.25 Td (whether the inputs are observable or unobservable. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 494.25 Td (Observable inputs are developed using market data and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 482.25 Td (reflect market participant assumptions, while unobservable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 470.25 Td (inputs reflect the Company) Tj ET Q q 0 0 0 rg BT 147.36 470.25 Td (s market assumptions. ) Tj ET Q q 0 0 0 rg BT 238.29 470.25 Td (These two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 458.25 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 36.00 446.25 Td (hierarchy:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 428.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 428.25 Td (Level1: Quoted prices for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 162.02 428.25 Td (identical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.01 428.25 Td ( instruments in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 416.25 Td (active markets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 404.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 404.25 Td (Level2: Quoted prices for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 162.02 404.25 Td (similar) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.36 404.25 Td ( instruments in active ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 392.25 Td (markets, quoted prices for identical or similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 380.25 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 54.00 368.25 Td (derived valuations in which all significant inputs and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 356.25 Td (significant value drivers are ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 167.84 356.25 Td (observable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.72 356.25 Td ( in active ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 344.25 Td (markets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 332.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 332.25 Td (Level3: ) Tj ET Q q 0 0 0 rg BT 89.36 332.25 Td (V) Tj ET Q q 0 0 0 rg BT 95.47 332.25 Td (aluations derived from valuation techniques ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 320.25 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 54.00 308.25 Td (value drivers are ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 123.13 308.25 Td (unobservable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.01 308.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 284.25 Td (As required under the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 221.05 284.25 Td (, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 272.25 Td (considers relevant and observable market inputs in its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 260.25 Td (valuations where possible. ) Tj ET Q q 0 0 0 rg BT 144.13 260.25 Td (The frequency of transactions, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 248.25 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 36.00 236.25 Td (necessary when comparing similar transactions are all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 224.25 Td (factors in determining the relevance of observed prices in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 212.25 Td (those markets.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 188.25 Td (Determination of Fair) Tj ET Q q 0 0 0 rg BT 129.68 188.25 Td ( ) Tj ET Q q 0 0 0 rg BT 132.00 188.25 Td (V) Tj ET Q q 0 0 0 rg BT 138.30 188.25 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 176.25 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 36.00 164.25 Td (measures fair value using the procedures set out below) Tj ET Q q 0 0 0 rg BT 254.17 164.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 152.25 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 36.00 140.25 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 36.00 128.25 Td (required to be measured at fair value.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 116.25 Td (When available, the Company uses quoted market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 104.25 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 92.25 Td (Level1. In some specific cases where a market price is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 80.25 Td (available, the Company will make use of acceptable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 68.25 Td (practical expedients \(such as matrix pricing\) to calculate fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 56.25 Td (value, in which case the items are classified as Level2.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 742.10 Td (The Company may also apply a price-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (methodology) Tj ET Q q 0 0 0 rg BT 369.12 730.10 Td (, which utilizes, where available, quoted prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (or other market information obtained from recent trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 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 317.00 694.10 Td (to the position being valued. ) Tj ET Q q 0 0 0 rg BT 432.91 694.10 Td (The frequency and size of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (transactions are among the factors that are driven by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (liquidity of markets and determine the relevance of observed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (prices in those markets. If relevant and observable prices are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (available, those valuations may be classified as Level2. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (When that is not the case, and there are one or more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (significant unobservable price inputs, then those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (valuations will be classified as Level 3. Furthermore, when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (less liquidity exists for a security or loan, a quoted price is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (stale, a significant adjustment to the price of a similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (security is necessary to reflect dif) Tj ET Q q 0 0 0 rg BT 450.93 574.10 Td (ferences in the terms of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (actual security or loan being valued, or prices from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (independent sources are insuf) Tj ET Q q 0 0 0 rg BT 435.39 550.10 Td (ficient to corroborate the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (valuation, the price inputs are considered unobservable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (and the fair value measurements are classified as Level3.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 514.10 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 317.00 502.10 Td (based upon internally developed valuation techniques that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (use, where possible, current market-based parameters, such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 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 317.00 466.10 Td (valued using such internally generated valuation techniques ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 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 317.00 442.10 Td (driver that is significant to the valuation. ) Tj ET Q q 0 0 0 rg BT 481.78 442.10 Td (Thus, an item may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 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 317.00 418.10 Td (significant inputs that are readily observable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 406.10 Td (Fair value estimates from internal valuation techniques ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (are verified, where possible, to prices obtained from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (independent vendors or brokers. ) Tj ET Q q 0 0 0 rg BT 448.17 382.10 Td (V) Tj ET Q q 0 0 0 rg BT 454.29 382.10 Td (endors) Tj ET Q q 0 0 0 rg BT 483.53 382.10 Td ( and brokers) Tj ET Q q 0 0 0 rg BT 535.55 382.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 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 317.00 358.10 Td (observed prices to proprietary valuation models, and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (Company assesses the quality and relevance of this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (information in determining the estimate of fair value. ) Tj ET Q q 0 0 0 rg BT 532.03 334.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (following section describes the valuation methodologies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (used by the Company to measure various financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (instruments at fair value, including an indication of the level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (in the fair value hierarchy in which each instrument is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (generally classified. ) Tj ET Q q 0 0 0 rg BT 399.29 274.10 Td (Where appropriate, the description ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 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 317.00 250.10 Td (those models and any significant assumptions.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (Market V) Tj ET Q q 0 0 0 rg BT 355.06 226.10 Td (aluation ) Tj ET Q q 0 0 0 rg BT 391.65 226.10 Td (Adjustments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 355.77 214.10 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 317.00 202.10 Td (the individual financial instrument. ) Tj ET Q q 0 0 0 rg BT 459.84 202.10 Td (The Company applies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (market valuation adjustments that are consistent with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 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 317.00 166.10 Td (the size of the Company) Tj ET Q q 0 0 0 rg BT 416.98 166.10 Td (s position, except as follows. ) Tj ET Q q 0 0 0 rg BT 534.47 166.10 Td (ASC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 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 317.00 142.10 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 317.00 130.10 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 317.00 118.10 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 317.00 106.10 Td (measure certain portfolios of financial instruments that meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (those criteria, such as derivatives, on the basis of the net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (open risk position. ) Tj ET Q q 0 0 0 rg BT 393.48 82.10 Td (The Company applies market valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 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 58.10 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 46.10 Td (assumptions.) 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 31.60 Td (245) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (V) Tj ET Q q 0 0 0 rg BT 60.11 742.10 Td (aluation adjustments are applied to items classified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (Level 2 or Level 3 in the fair value hierarchy 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 exited. ) Tj ET Q q 0 0 0 rg BT 136.63 706.10 Td (These valuation adjustments are ) 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 in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (market. ) Tj ET Q q 0 0 0 rg BT 68.58 682.10 Td (When Citi has elected to measure certain portfolios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (of financial investments, such as derivatives, on the basis of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (the net open risk position, the valuation adjustment may take ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (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 funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (valuation adjustments \(FV) Tj ET Q q 0 0 0 rg BT 140.81 622.10 Td (A\) are applied to the relevant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (population of over) Tj ET Q q 0 0 0 rg BT 109.67 610.10 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 (where adjustments to reflect counterparty credit risk, own ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (credit risk and term funding risk are required to estimate fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 62.47 574.10 Td (This principally includes derivatives with a base ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (valuation \(e.g., discounted using overnight indexed swap ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (\(OIS\)\) requiring adjustment for these ef) Tj ET Q q 0 0 0 rg BT 194.94 550.10 Td (fects, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (uncollateralized interest rate swaps. ) Tj ET Q q 0 0 0 rg BT 181.03 538.10 Td (The CV) Tj ET Q q 0 0 0 rg BT 211.68 538.10 Td (A) Tj ET Q q 0 0 0 rg BT 218.35 538.10 Td ( represents a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (portfolio-level adjustment to reflect the risk premium ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (associated with the counterparty) Tj ET Q q 0 0 0 rg BT 167.90 514.10 Td (s \(assets\) or Citi) Tj ET Q q 0 0 0 rg BT 235.39 514.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (\(liabilities\) non-performance risk. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 490.10 Td (FV) Tj ET Q q 0 0 0 rg BT 65.49 490.10 Td (A) Tj ET Q q 0 0 0 rg BT 72.16 490.10 Td ( reflect a market funding risk premium inherent in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (the uncollateralized portion of a derivative portfolio and in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (certain collateralized derivative portfolios that do not include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (standard credit support annexes \(CSAs\), such as where the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (CSA) Tj ET Q q 0 0 0 rg BT 54.90 442.10 Td ( does not permit the reuse of collateral received. Citi) Tj ET Q q 0 0 0 rg BT 267.60 442.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (FV) Tj ET Q q 0 0 0 rg BT 47.49 430.10 Td (A) Tj ET Q q 0 0 0 rg BT 54.16 430.10 Td ( methodology leverages the existing CV) Tj ET Q q 0 0 0 rg BT 213.68 430.10 Td (A) Tj ET Q q 0 0 0 rg BT 220.35 430.10 Td ( methodology ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (to estimate a funding exposure profile. ) Tj ET Q q 0 0 0 rg BT 192.72 418.10 Td (The calculation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (this exposure profile considers collateral agreements in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (which the terms do not permit the Company to reuse the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (collateral received, including where counterparties post ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (collateral to third-party custodians.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 358.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 358.10 Td (s CV) Tj ET Q q 0 0 0 rg BT 90.78 358.10 Td (A) Tj ET Q q 0 0 0 rg BT 97.45 358.10 Td ( and FV) Tj ET Q q 0 0 0 rg BT 128.38 358.10 Td (A) Tj ET Q q 0 0 0 rg BT 135.05 358.10 Td ( methodology consists of two steps: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 340.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 340.10 Td (First, the exposure profile for each counterparty is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 328.10 Td (determined using the terms of all individual derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 316.10 Td (positions and a Monte Carlo simulation or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 304.10 Td (quantitative analysis to generate a series of expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 292.10 Td (cash flows at future points in time. ) Tj ET Q q 0 0 0 rg BT 194.90 292.10 Td (The calculation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 280.10 Td (this exposure profile considers the ef) Tj ET Q q 0 0 0 rg BT 201.28 280.10 Td (fect of credit risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 268.10 Td (mitigants and sources of funding, including pledged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 256.10 Td (cash or other collateral and any legal right of of) Tj ET Q q 0 0 0 rg BT 244.02 256.10 Td (fset that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 244.10 Td (exists with a counterparty through arrangements such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 232.10 Td (netting agreements. Individual derivative contracts that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 220.10 Td (are subject to an enforceable master netting agreement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 208.10 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 54.00 196.10 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 54.00 184.10 Td (that are subject to nonperformance risk. ) Tj ET Q q 0 0 0 rg BT 215.15 184.10 Td (This process ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 172.10 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 54.00 160.10 Td (are subject to nonperformance risk and unsecured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 148.10 Td (funding, rather than using the current recognized net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 136.10 Td (asset or liability as a basis to measure the CV) Tj ET Q q 0 0 0 rg BT 234.06 136.10 Td (A) Tj ET Q q 0 0 0 rg BT 240.73 136.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 124.10 Td (FV) Tj ET Q q 0 0 0 rg BT 65.49 124.10 Td (A. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 112.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 112.10 Td (Second, for CV) Tj ET Q q 0 0 0 rg BT 115.20 112.10 Td (A, market-based views of default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 100.10 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 88.10 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 76.10 Td (expected future cash flows determined in step one. Citi) Tj ET Q q 0 0 0 rg BT 276.99 76.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 64.10 Td (own-credit CV) Tj ET Q q 0 0 0 rg BT 112.42 64.10 Td (A) Tj ET Q q 0 0 0 rg BT 119.09 64.10 Td ( is determined using Citi-specific CDS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 52.10 Td (spreads for the relevant tenor) Tj ET Q q 0 0 0 rg BT 170.06 52.10 Td (. Generally) Tj ET Q q 0 0 0 rg BT 213.84 52.10 Td (, counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 742.10 Td (CV) Tj ET Q q 0 0 0 rg BT 347.60 742.10 Td (A) Tj ET Q q 0 0 0 rg BT 354.27 742.10 Td ( is determined using CDS spread indices for each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 730.10 Td (credit rating and tenor) Tj ET Q q 0 0 0 rg BT 423.02 730.10 Td (. For certain identified netting sets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 718.10 Td (where individual analysis is practicable \(e.g., exposures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 706.10 Td (to counterparties with liquid CDSs\), counterparty-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 694.10 Td (specific CDS spreads are used. For FV) Tj ET Q q 0 0 0 rg BT 488.96 694.10 Td (A, a term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 682.10 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 335.00 670.10 Td (expected future funding requirement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 646.10 Td (The CV) Tj ET Q q 0 0 0 rg BT 365.65 646.10 Td (A) Tj ET Q q 0 0 0 rg BT 372.32 646.10 Td ( and FV) Tj ET Q q 0 0 0 rg BT 403.25 646.10 Td (A) Tj ET Q q 0 0 0 rg BT 409.92 646.10 Td ( are designed to incorporate a market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (view of the credit and funding risk, respectively) Tj ET Q q 0 0 0 rg BT 507.96 634.10 Td (, inherent in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (the derivative portfolio. However) Tj ET Q q 0 0 0 rg BT 450.44 622.10 Td (, most unsecured derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (instruments are negotiated bilateral contracts and are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (commonly transferred to third parties. Derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (instruments are normally settled contractually or) Tj ET Q q 0 0 0 rg BT 510.71 586.10 Td (, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (terminated early) Tj ET Q q 0 0 0 rg BT 381.59 574.10 Td (, are terminated at a value negotiated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (bilaterally between the counterparties. ) Tj ET Q q 0 0 0 rg BT 472.03 562.10 Td (Thus, the CV) Tj ET Q q 0 0 0 rg BT 524.35 562.10 Td (A) Tj ET Q q 0 0 0 rg BT 531.02 562.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (FV) Tj ET Q q 0 0 0 rg BT 328.49 550.10 Td (A) Tj ET Q q 0 0 0 rg BT 335.16 550.10 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 317.00 538.10 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 317.00 526.10 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 317.00 514.10 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 317.00 502.10 Td (funding risk associated with the derivative instruments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 490.10 Td (The table below summarizes the CV) Tj ET Q q 0 0 0 rg BT 479.50 490.10 Td (A) Tj ET Q q 0 0 0 rg BT 486.17 490.10 Td ( and FV) Tj ET Q q 0 0 0 rg BT 517.10 490.10 Td (A) Tj ET Q q 0 0 0 rg BT 523.77 490.10 Td ( applied ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 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 317.00 466.10 Td (2018 and 2017:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 402.60 120.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 402.60 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 402.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 376.60 120.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 376.60 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 376.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 350.60 120.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 350.60 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 350.60 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 437.5 425.6 m 500.5 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 425.6 m 560.5 425.6 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 437.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 402.6 m 500.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 425.6 m 560.5 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 402.6 m 560.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 402.6 m 560.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 350.6 m 437.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 350.6 m 560.5 350.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 327.6 m 437.5 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 350.6 m 500.5 350.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 327.6 m 500.5 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 350.6 m 560.5 350.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 327.6 m 560.5 327.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 430.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.40 447.00 Td (Cr) Tj ET Q q 0 0 0 rg BT 452.73 447.00 Td (edit and funding valuation ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.95 438.00 Td (adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.35 429.00 Td (contra-liability \(contra-asset\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 320.00 406.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.30 416.05 Td (December) Tj ET Q q 0 0 0 rg BT 481.11 416.05 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.50 407.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.75 416.06 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 407.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 393.86 Td (Counterparty CV) Tj ET Q q 0 0 0 rg BT 381.66 393.86 Td (A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 394.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.75 394.00 Td (\(1,085) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 394.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 393.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.50 393.86 Td (\(970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 393.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 380.86 Td (Asset FV) Tj ET Q q 0 0 0 rg BT 353.17 380.86 Td (A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 381.00 Td (\(544) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 381.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.50 380.86 Td (\(447) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 380.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 367.86 Td (Citigroup \(own-credit\) CV) Tj ET Q q 0 0 0 rg BT 415.90 367.86 Td (A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.50 368.00 Td (482) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.50 367.86 Td (287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 354.86 Td (Liability FV) Tj ET Q q 0 0 0 rg BT 363.59 354.86 Td (A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.50 355.00 Td (135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.00 354.86 Td (47) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 341.05 Td (T) Tj ET Q q 0 0 0 rg BT 325.18 341.05 Td (otal CV) Tj ET Q q 0 0 0 rg BT 353.76 341.05 Td (Aderivative ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 332.05 Td (instruments) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 366.00 336.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 332.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.75 332.05 Td (\(1,012) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 332.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 332.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 332.06 Td (\(1,083) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 332.06 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 308.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 335.00 308.90 Td (FV) Tj ET Q q 0 0 0 rg BT 344.20 308.90 Td (A) Tj ET Q q 0 0 0 rg BT 349.53 308.90 Td ( is included with CV) Tj ET Q q 0 0 0 rg BT 414.72 308.90 Td (A) Tj ET Q q 0 0 0 rg BT 420.05 308.90 Td ( for presentation purposes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 284.90 Td (The table below summarizes pretax gains \(losses\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 272.90 Td (related to changes in CV) Tj ET Q q 0 0 0 rg BT 414.57 272.90 Td (A) Tj ET Q q 0 0 0 rg BT 421.24 272.90 Td ( on derivative instruments, net of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 260.90 Td (hedges, FV) Tj ET Q q 0 0 0 rg BT 361.26 260.90 Td (A) Tj ET Q q 0 0 0 rg BT 367.93 260.90 Td ( on derivatives and debt valuation adjustments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 248.90 Td (\(DV) Tj ET Q q 0 0 0 rg BT 333.48 248.90 Td (A\) on Citi) Tj ET Q q 0 0 0 rg BT 376.82 248.90 Td (s own fair value option \(FVO\) liabilities for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 236.90 Td (the years indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 169.40 107.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 169.40 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 169.40 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 169.40 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 143.40 107.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 143.40 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 143.40 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 143.40 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 107.40 107.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 107.40 46.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 107.40 46.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 107.40 46.00 -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 424.5 196.39999999999998 m 470.5 196.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 196.39999999999998 m 516.5 196.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 196.39999999999998 m 562.5 196.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 182.39999999999998 m 424.5 182.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 196.39999999999998 m 470.5 196.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 182.39999999999998 m 470.5 182.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 182.39999999999998 m 516.5 182.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 196.39999999999998 m 562.5 196.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 182.39999999999998 m 562.5 182.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 182.39999999999998 m 516.5 182.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 182.39999999999998 m 562.5 182.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 130.39999999999998 m 424.5 130.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 130.39999999999998 m 516.5 130.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 130.39999999999998 m 562.5 130.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 107.39999999999998 m 424.5 107.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 130.39999999999998 m 470.5 130.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 107.39999999999998 m 470.5 107.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 130.39999999999998 m 516.5 130.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 107.39999999999998 m 516.5 107.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 130.39999999999998 m 562.5 130.39999999999998 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 562.5 107.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 84.39999999999998 m 424.5 84.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 107.39999999999998 m 470.5 107.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 107.39999999999998 m 516.5 107.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 84.39999999999998 m 516.5 84.39999999999998 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 562.5 107.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 84.39999999999998 m 562.5 84.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 70.39999999999998 m 424.5 70.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 84.39999999999998 m 470.5 84.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 70.39999999999998 m 470.5 70.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 84.39999999999998 m 516.5 84.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 70.39999999999998 m 516.5 70.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 84.39999999999998 m 562.5 84.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 70.39999999999998 m 562.5 70.39999999999998 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.00 201.08 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.40 209.85 Td (Cr) Tj ET Q q 0 0 0 rg BT 445.73 209.85 Td (edit/funding/debt valuation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.95 200.85 Td (adjustments gain \(loss\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 320.00 186.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 186.85 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 186.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 186.86 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 173.66 Td (Counterparty CV) Tj ET Q q 0 0 0 rg BT 381.66 173.66 Td (A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 173.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.50 173.80 Td (\(109) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.00 173.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 173.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 173.66 Td (276) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 173.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 173.66 Td (157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 160.66 Td (Asset FV) Tj ET Q q 0 0 0 rg BT 353.17 160.66 Td (A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 160.80 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 160.66 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 160.66 Td (47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 147.66 Td (Own-credit CV) Tj ET Q q 0 0 0 rg BT 375.16 147.66 Td (A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 147.80 Td (178) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 147.66 Td (\(153) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 147.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 147.66 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 134.66 Td (Liability FV) Tj ET Q q 0 0 0 rg BT 363.59 134.66 Td (A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 134.80 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 134.66 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 134.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 134.66 Td (\(44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 134.66 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 120.85 Td (T) Tj ET Q q 0 0 0 rg BT 325.18 120.85 Td (otal CV) Tj ET Q q 0 0 0 rg BT 353.76 120.85 Td (Aderivative) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 111.85 Td (instruments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 111.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 111.85 Td (171) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 111.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 111.86 Td (198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 111.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 111.86 Td (177) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 97.86 Td (DV) Tj ET Q q 0 0 0 rg BT 331.84 97.86 Td (A) Tj ET Q q 0 0 0 rg BT 337.84 97.86 Td ( related to own FVO ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 88.86 Td (liabilities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 353.50 92.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 88.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 88.85 Td (1,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 88.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 88.86 Td (\(680) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 88.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 88.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 88.86 Td (\(538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 88.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 74.85 Td (T) Tj ET Q q 0 0 0 rg BT 325.18 74.85 Td (otal CV) Tj ET Q q 0 0 0 rg BT 353.76 74.85 Td (A) Tj ET Q q 0 0 0 rg BT 359.77 74.85 Td ( and DV) Tj ET Q q 0 0 0 rg BT 390.62 74.85 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 78.93 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 74.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 74.85 Td (1,586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 74.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 74.86 Td (\(482) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 74.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 74.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 74.86 Td (\(361) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 74.86 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 51.70 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 335.00 51.70 Td (See Notes 1 and 17 to the Consolidated Financial Statements.) 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 31.60 Td (246) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 743.50 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 743.50 Td (FV) Tj ET Q q 0 0 0 rg BT 63.20 743.50 Td (A) Tj ET Q q 0 0 0 rg BT 68.53 743.50 Td ( is included with CV) Tj ET Q q 0 0 0 rg BT 133.72 743.50 Td (A) Tj ET Q q 0 0 0 rg BT 139.05 743.50 Td ( for presentation purposes.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 719.50 Td (Securities Purchased Under ) Tj ET Q q 0 0 0 rg BT 153.69 719.50 Td (Agreements to Resell and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 707.50 Td (Securities Sold Under ) Tj ET Q q 0 0 0 rg BT 128.14 707.50 Td (Agreements to Repurchase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 695.50 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 36.00 683.50 Td (determined using a discounted cash flow technique. Cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 671.50 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 36.00 659.50 Td (taking into account any embedded derivative or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 647.50 Td (features. ) Tj ET Q q 0 0 0 rg BT 72.46 647.50 Td (These cash flows are discounted using interest rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 635.50 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 36.00 623.50 Td (nature of the underlying collateral. Generally) Tj ET Q q 0 0 0 rg BT 215.83 623.50 Td (, when such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 611.50 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 36.00 599.50 Td (within Level2 of the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 200.00 599.50 Td (, as the inputs used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 587.50 Td (in the valuation are readily observable. However) Tj ET Q q 0 0 0 rg BT 230.24 587.50 Td (, certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 575.50 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 36.00 563.50 Td (value hierarchy) Tj ET Q q 0 0 0 rg BT 97.26 563.50 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 539.50 Td (T) Tj ET Q q 0 0 0 rg BT 41.74 539.50 Td (rading ) Tj ET Q q 0 0 0 rg BT 71.10 539.50 Td (Account ) Tj ET Q q 0 0 0 rg BT 107.67 539.50 Td (Assets and LiabilitiesT) Tj ET Q q 0 0 0 rg BT 210.64 539.50 Td (rading Securities ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 527.50 Td (and T) Tj ET Q q 0 0 0 rg BT 59.80 527.50 Td (rading Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 515.50 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 36.00 503.50 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 36.00 491.50 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 36.00 479.50 Td (value hierarchy) Tj ET Q q 0 0 0 rg BT 97.26 479.50 Td (. Examples include government securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 467.50 Td (and exchange-traded equity securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 455.50 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 36.00 443.50 Td (counter) Tj ET Q q 0 0 0 rg BT 65.58 443.50 Td (, the Company generally determines fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 431.50 Td (utilizing valuation techniques, including discounted cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 419.50 Td (flows, price-based and internal models. Fair value estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 407.50 Td (from these internal valuation techniques are verified, where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 395.50 Td (possible, to prices obtained from independent sources, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 383.50 Td (including third-party vendors. ) Tj ET Q q 0 0 0 rg BT 158.02 383.50 Td (V) Tj ET Q q 0 0 0 rg BT 164.13 383.50 Td (endors compile prices from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 371.50 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 36.00 359.50 Td (bonds or loans where no price is observable. ) Tj ET Q q 0 0 0 rg BT 215.68 359.50 Td (A) Tj ET Q q 0 0 0 rg BT 222.35 359.50 Td ( price-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 347.50 Td (methodology utilizes, where available, quoted prices or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 335.50 Td (market information obtained from recent trading activity of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 323.50 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 36.00 311.50 Td (valued. ) Tj ET Q q 0 0 0 rg BT 67.47 311.50 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 36.00 299.50 Td (derived from the same price information. ) Tj ET Q q 0 0 0 rg BT 202.70 299.50 Td (T) Tj ET Q q 0 0 0 rg BT 208.46 299.50 Td (rading securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 287.50 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 36.00 275.50 Td (as Level2. However) Tj ET Q q 0 0 0 rg BT 118.34 275.50 Td (, when less liquidity exists for a security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 263.50 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 36.00 251.50 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 36.00 239.50 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 239.50 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 36.00 227.50 Td (valued, or prices from independent sources are insuf) Tj ET Q q 0 0 0 rg BT 245.19 227.50 Td (ficient ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 215.50 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 36.00 203.50 Td (classified as Level3. ) Tj ET Q q 0 0 0 rg BT 122.18 203.50 Td (The price input used in a price-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 191.50 Td (methodology may be zero for a security) Tj ET Q q 0 0 0 rg BT 194.74 191.50 Td (, such as a subprime ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 179.50 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 36.00 167.50 Td (currently written down to zero.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 155.50 Td (When the Company) Tj ET Q q 0 0 0 rg BT 136.76 155.50 Td (s principal market for a portfolio of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 143.50 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 36.00 131.50 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 36.00 119.50 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 75.81 119.50 Td (The securitization price is determined from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 107.50 Td (assumed proceeds of a hypothetical securitization in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 95.50 Td (current market, adjusted for transformation costs \(i.e.,direct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 83.50 Td (costs other than transaction costs\) and securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 71.50 Td (uncertainties such as market conditions and liquidity) Tj ET Q q 0 0 0 rg BT 245.86 71.50 Td (. ) Tj ET Q q 0 0 0 rg BT 250.31 71.50 Td (As a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 59.50 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 36.00 47.50 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 317.00 742.10 Td (observable securitization prices for certain directly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (comparable portfolios of loans have not been readily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (available. ) Tj ET Q q 0 0 0 rg BT 357.91 718.10 Td (Therefore, such portfolios of loans are generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (classified as Level3 of the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 504.04 706.10 Td (. However) Tj ET Q q 0 0 0 rg BT 545.29 706.10 Td (, for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (other loan securitization markets, such as commercial real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (estate loans, price verification of the hypothetical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (securitizations has been possible, since these markets have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (remained active. ) Tj ET Q q 0 0 0 rg BT 385.02 658.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 434.36 658.10 Td (, this loan portfolio is classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (as Level2 of the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 463.78 646.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 634.10 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 317.00 622.10 Td (exposures, fair value is determined utilizing observable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (transactions where available, other market data for similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (assets in markets that are not active and other internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (valuation techniques. ) Tj ET Q q 0 0 0 rg BT 404.29 586.10 Td (The valuation of certain asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 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 317.00 562.10 Td (underlying assets of the ) Tj ET Q q 0 0 0 rg BT 413.65 562.10 Td (ABS CDO. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (T) Tj ET Q q 0 0 0 rg BT 322.74 538.10 Td (rading ) Tj ET Q q 0 0 0 rg BT 352.10 538.10 Td (Account ) Tj ET Q q 0 0 0 rg BT 388.67 538.10 Td (Assets and LiabilitiesDerivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (Exchange-traded derivatives, measured at fair value using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 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 317.00 502.10 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 317.00 490.10 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 354.10 490.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 478.10 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 317.00 466.10 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 317.00 454.10 Td (internal valuation techniques. ) Tj ET Q q 0 0 0 rg BT 437.34 454.10 Td (These derivative instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (are classified as either Level2 or Level3 depending on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (observability of the significant inputs to the model.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 418.10 Td (The valuation techniques depend on the type of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (derivative and the nature of the underlying instrument. ) Tj ET Q q 0 0 0 rg BT 537.59 406.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (principal techniques used to value these instruments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (discounted cash flows and internal models, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (derivative pricing models \(e.g., Black-Scholes and Monte ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (Carlo simulations\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 346.10 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 317.00 334.10 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 317.00 322.10 Td (rate yield curves, foreign exchange rates, volatilities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (correlation. ) Tj ET Q q 0 0 0 rg BT 365.13 310.10 Td (The Company typically uses OIS curves as fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (value measurement inputs for the valuation of certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (derivatives.) Tj ET Q endstream endobj 495 0 obj <> endobj 496 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (247) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (The investments category includes available-for) Tj ET Q q 0 0 0 rg BT 227.95 730.25 Td (-sale debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (and marketable equity securities whose fair values are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (generally determined by utilizing similar procedures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (described for trading securities above or) Tj ET Q q 0 0 0 rg BT 196.37 694.25 Td (, in some cases, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (using vendor pricing as the primary source.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 670.25 Td (Also included in investments are nonpublic investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 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 36.00 646.25 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 36.00 634.25 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 36.00 622.25 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 36.00 610.25 Td (be transfer restrictions on private equity securities. ) Tj ET Q q 0 0 0 rg BT 240.75 610.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (Company) Tj ET Q q 0 0 0 rg BT 77.67 598.25 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 36.00 586.25 Td (securities utilizes commonly accepted valuation techniques, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (including comparables analysis. In determining the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (of nonpublic securities, the Company also considers events ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (such as a proposed sale of the investee company) Tj ET Q q 0 0 0 rg BT 228.62 550.25 Td (, initial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (public of) Tj ET Q q 0 0 0 rg BT 71.64 538.25 Td (ferings, equity issuances or other observable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (transactions. Private equity securities are generally classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (as Level3 of the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 182.78 514.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 502.25 Td (In addition, the Company holds investments in certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (alternative investment funds that calculate NA) Tj ET Q q 0 0 0 rg BT 220.48 490.25 Td (V) Tj ET Q q 0 0 0 rg BT 227.52 490.25 Td ( per share, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.25 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 36.00 466.25 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 36.00 454.25 Td (marketable equity securities carried at fair value. ) Tj ET Q q 0 0 0 rg BT 233.50 454.25 Td (The fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 Td (values of these investments are estimated using the NA) Tj ET Q q 0 0 0 rg BT 255.77 442.25 Td (V) Tj ET Q q 0 0 0 rg BT 262.81 442.25 Td ( per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 Td (share of the Company) Tj ET Q q 0 0 0 rg BT 126.81 430.25 Td (s ownership interest in the funds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.25 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 36.00 406.25 Td (at a price other than the NA) Tj ET Q q 0 0 0 rg BT 145.78 406.25 Td (V) Tj ET Q q 0 0 0 rg BT 151.71 406.25 Td (. Consistent with the provisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 46.28 394.25 Td (ASU 2015-07, these investments have not been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.25 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 36.00 370.25 Td (included in the tables below) Tj ET Q q 0 0 0 rg BT 147.54 370.25 Td (. See Note 13 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.25 Td (Consolidated Financial Statements for additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.25 Td (information.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 322.25 Td (Short-T) Tj ET Q q 0 0 0 rg BT 67.31 322.25 Td (erm Borrowings and Long-T) Tj ET Q q 0 0 0 rg BT 185.03 322.25 Td (erm Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.25 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 36.00 298.25 Td (of non-structured liabilities is determined by utilizing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.25 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 36.00 274.25 Td (applicable maturity) Tj ET Q q 0 0 0 rg BT 112.82 274.25 Td (. Such instruments are generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.25 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 36.00 250.25 Td (significant inputs are readily observable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 238.25 Td (The Company determines the fair value of hybrid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.25 Td (financial instruments, including structured liabilities, using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.25 Td (the appropriate derivative valuation methodology \(described ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.25 Td (above in T) Tj ET Q q 0 0 0 rg BT 82.85 202.25 Td (rading ) Tj ET Q q 0 0 0 rg BT 110.35 202.25 Td (Account ) Tj ET Q q 0 0 0 rg BT 146.17 202.25 Td (Assets and Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.25 Td (Derivatives\) given the nature of the embedded risk profile. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.25 Td (Such instruments are classified as Level2 or Level3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.25 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 36.00 154.25 Td (model.) 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 (248) 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 (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 701.25 Td ( and 2017. ) Tj ET Q q 0 0 0 rg BT 100.26 701.25 Td (The Company may hedge positions that have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (been classified in the Level3 category with other financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (instruments \(hedging instruments\) that may be classified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (Level3, but also with financial instruments classified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (Level1 or Level2 of the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 503.54 725.10 Td (. ) Tj ET Q q 0 0 0 rg BT 508.36 725.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 534.00 725.10 Td (fects of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (these hedges are presented gross in the following tables:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (Fair) Tj ET Q q 0 0 0 rg BT 54.14 665.25 Td ( ) Tj ET Q q 0 0 0 rg BT 56.46 665.25 Td (V) Tj ET Q q 0 0 0 rg BT 62.77 665.25 Td (alue Levels) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 631.75 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 631.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 631.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 631.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 631.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 631.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 631.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 594.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 594.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 594.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 594.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 594.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 594.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 594.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 568.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 568.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 568.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 568.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 568.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 568.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 568.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 542.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 542.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 542.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 542.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 542.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 542.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 542.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 516.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 516.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 516.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 516.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 516.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 516.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 516.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 490.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 490.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 490.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 490.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 490.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 490.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 490.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 464.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 464.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 464.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 464.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 464.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 464.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 464.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 438.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 438.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 438.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 438.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 438.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 438.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 438.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 412.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 412.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 412.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 412.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 412.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 412.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 412.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 386.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 386.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 386.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 386.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 386.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 386.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 386.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 360.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 360.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 360.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 360.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 360.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 360.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 360.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 334.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 334.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 334.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 334.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 334.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 334.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 334.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 308.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 308.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 308.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 308.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 308.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 308.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 308.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 282.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 282.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 282.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 282.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 282.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 282.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 282.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 256.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 256.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 256.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 256.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 256.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 256.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 256.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 230.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 230.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 230.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 230.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 230.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 230.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 230.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 204.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 204.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 204.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 204.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 204.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 204.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 204.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 178.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 178.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 178.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 178.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 178.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 178.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 178.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 152.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 152.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 152.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 152.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 152.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 152.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 152.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 126.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 126.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 126.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 126.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 126.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 126.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 126.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 100.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 100.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 100.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 100.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 100.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 100.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 100.75 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 36.5 631.75 m 288.5 631.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 631.75 m 338.5 631.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 631.75 m 392.5 631.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 631.75 m 435.5 631.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 631.75 m 487.5 631.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 631.75 m 532.5 631.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 631.75 m 576.5 631.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 631.75 m 435.5 617.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 631.75 m 532.5 617.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 617.75 m 435.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 617.75 m 532.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 594.75 m 435.5 581.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 594.75 m 532.5 581.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 581.75 m 435.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 581.75 m 532.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 568.75 m 435.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 568.75 m 532.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 555.75 m 435.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 555.75 m 532.5 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 542.75 m 435.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 542.75 m 532.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 529.75 m 576.5 529.75 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 288.5 529.75 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 288.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 529.75 m 338.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 516.75 m 338.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 529.75 m 392.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 516.75 m 392.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 529.75 m 435.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 529.75 m 435.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 516.75 m 435.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 529.75 m 487.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 516.75 m 487.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 529.75 m 532.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 529.75 m 532.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 516.75 m 532.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 529.75 m 576.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 516.75 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 435.5 516.75 m 435.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 516.75 m 532.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 503.75 m 435.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 503.75 m 532.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 490.75 m 435.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 490.75 m 532.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 477.75 m 435.5 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 477.75 m 532.5 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 464.75 m 435.5 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 464.75 m 532.5 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 451.75 m 435.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 451.75 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 435.5 438.75 m 435.5 425.75 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 532.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 425.75 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 36.5 412.75 m 288.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 425.75 m 338.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 412.75 m 338.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 425.75 m 392.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 412.75 m 392.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 425.75 m 435.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 425.75 m 435.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 412.75 m 435.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 425.75 m 487.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 412.75 m 487.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 425.75 m 532.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 425.75 m 532.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 412.75 m 532.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 425.75 m 576.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 412.75 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 435.5 412.75 m 435.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 412.75 m 532.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 399.75 m 435.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 399.75 m 532.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 386.75 m 435.5 373.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 386.75 m 532.5 373.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 373.75 m 435.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 373.75 m 532.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 360.75 m 435.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 360.75 m 532.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 347.75 m 435.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 347.75 m 532.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 334.75 m 288.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 321.75 m 288.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 334.75 m 338.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 321.75 m 338.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 334.75 m 392.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 321.75 m 392.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 334.75 m 435.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 334.75 m 435.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 321.75 m 435.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 334.75 m 487.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 321.75 m 487.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 334.75 m 532.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 321.75 m 338.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 321.75 m 392.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 321.75 m 435.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 321.75 m 435.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 321.75 m 487.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 321.75 m 532.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 308.75 m 435.5 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 308.75 m 532.5 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 295.75 m 435.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 295.75 m 532.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 282.75 m 288.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 269.75 m 288.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 282.75 m 338.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 269.75 m 338.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 282.75 m 392.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 269.75 m 392.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 282.75 m 435.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 282.75 m 435.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 269.75 m 435.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 282.75 m 487.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 269.75 m 487.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 282.75 m 532.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 282.75 m 532.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 269.75 m 532.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 282.75 m 576.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 269.75 m 576.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 269.75 m 435.5 256.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 269.75 m 532.5 256.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 256.75 m 435.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 256.75 m 532.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 243.75 m 435.5 230.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 243.75 m 532.5 230.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 230.75 m 435.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 230.75 m 532.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 217.75 m 435.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 217.75 m 532.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 204.75 m 288.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 191.75 m 288.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 204.75 m 338.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 191.75 m 338.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 204.75 m 392.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 191.75 m 392.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 204.75 m 435.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 204.75 m 435.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 191.75 m 435.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 204.75 m 487.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 191.75 m 487.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 204.75 m 532.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 204.75 m 532.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 191.75 m 532.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 204.75 m 576.5 204.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 191.75 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 435.5 191.75 m 435.5 178.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 191.75 m 532.5 178.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 178.75 m 435.5 165.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 178.75 m 532.5 165.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 165.75 m 435.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 165.75 m 532.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 152.75 m 435.5 139.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 152.75 m 532.5 139.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 139.75 m 435.5 126.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 139.75 m 532.5 126.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 126.75 m 435.5 113.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 126.75 m 532.5 113.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 113.75 m 435.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 113.75 m 532.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 100.75 m 435.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 100.75 m 532.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 87.75 m 288.5 87.75 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 288.5 74.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 87.75 m 338.5 87.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 74.75 m 338.5 74.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 87.75 m 392.5 87.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 74.75 m 392.5 74.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 87.75 m 435.5 74.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 87.75 m 435.5 87.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 74.75 m 435.5 74.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 87.75 m 487.5 87.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 74.75 m 487.5 74.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 87.75 m 532.5 74.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 87.75 m 532.5 87.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 74.75 m 532.5 74.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 87.75 m 576.5 87.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 74.75 m 576.5 74.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 636.00 Td (In millions of dollars at December 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.10 636.20 Td (Level1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.10 636.20 Td (Level2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.60 636.20 Td (Level3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.80 645.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 460.71 645.20 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 636.20 Td (inventory) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.80 636.20 Td (Netting) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 520.29 640.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 645.20 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.20 636.20 Td (balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 622.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 622.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.00 622.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 622.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 622.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 622.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 622.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 608.20 Td (Federal funds sold and securities borr) Tj ET Q q 0 0 0 rg BT 184.67 608.20 Td (owed and pur) Tj ET Q q 0 0 0 rg BT 237.52 608.20 Td (chased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 599.20 Td (under) Tj ET Q q 0 0 0 rg BT 61.92 599.20 Td ( agr) Tj ET Q q 0 0 0 rg BT 77.01 599.20 Td (eements to r) Tj ET Q q 0 0 0 rg BT 123.82 599.20 Td (esell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 599.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.75 599.20 Td (214,570) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 599.20 Td (1) Tj ET Q q 0 0 0 rg BT 423.00 599.20 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 599.20 Td (214,685) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 599.20 Td (\(66,984) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 599.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 599.20 Td (147,701) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 586.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.67 586.15 Td (rading non-derivative assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 573.15 Td (T) Tj ET Q q 0 0 0 rg BT 50.67 573.15 Td (rading mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 560.01 Td (U.S. government-sponsored agency guaranteed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 560.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 560.15 Td (24,090) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 560.15 Td (156) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 560.15 Td (24,246) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 560.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 560.15 Td (24,246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 547.01 Td (Residential) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 547.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.50 547.15 Td (709) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 547.15 Td (268) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 547.15 Td (977) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 547.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 547.15 Td (977) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 534.01 Td (Commercial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 534.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 534.15 Td (1,323) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 534.15 Td (77) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 534.15 Td (1,400) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 534.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 534.15 Td (1,400) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 521.15 Td (T) Tj ET Q q 0 0 0 rg BT 50.59 521.15 Td (otal trading mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 521.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 521.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 521.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 521.15 Td (26,122) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 521.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 521.15 Td (501) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 521.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 521.15 Td (26,623) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 521.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 521.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 521.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 521.15 Td (26,623) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 508.15 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 63.17 508.15 Td (T) Tj ET Q q 0 0 0 rg BT 68.76 508.15 Td (r) Tj ET Q q 0 0 0 rg BT 72.34 508.15 Td (easury and federal agency securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.25 508.15 Td (26,439) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 508.15 Td (4,802) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 508.15 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 508.15 Td (31,242) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 508.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 508.15 Td (31,242) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 495.15 Td (State and municipal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 495.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 495.15 Td (3,782) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 495.15 Td (200) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 495.15 Td (3,982) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 495.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 495.15 Td (3,982) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 482.15 Td (For) Tj ET Q q 0 0 0 rg BT 58.91 482.15 Td (eign government) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.25 482.15 Td (43,309) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 482.15 Td (21,179) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 482.15 Td (31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 482.15 Td (64,519) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 482.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 482.15 Td (64,519) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 469.15 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.75 469.15 Td (1,026) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 469.15 Td (14,510) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 469.15 Td (360) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 469.15 Td (15,896) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 469.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 469.15 Td (15,896) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 456.15 Td (Equity securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.25 456.15 Td (36,342) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 456.15 Td (7,308) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 456.15 Td (153) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 456.15 Td (43,803) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 456.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 456.15 Td (43,803) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 443.15 Td (Asset-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 443.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 443.15 Td (1,429) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 443.15 Td (1,484) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 443.15 Td (2,913) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 443.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 443.15 Td (2,913) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 430.15 Td (Other) Tj ET Q q 0 0 0 rg BT 67.83 430.15 Td ( trading assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 122.83 434.23 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.50 430.15 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 430.15 Td (12,198) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 430.15 Td (818) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 430.15 Td (13,019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 430.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 430.15 Td (13,019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 417.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 417.15 Td (otal trading non-derivative assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 417.15 Td (107,1) Tj ET Q q 0 0 0 rg BT 326.00 417.15 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 417.15 Td (91,330) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 417.15 Td (3,548) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 417.15 Td (201,997) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 417.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 417.15 Td (201,997) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 404.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.67 404.15 Td (rading derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 391.01 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 391.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 391.15 Td (101) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 391.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.75 391.15 Td (169,860) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 391.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 391.15 Td (1,671) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 391.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 391.15 Td (171,632) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 378.01 Td (Foreign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 378.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.75 378.15 Td (162,108) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 378.15 Td (346) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 378.15 Td (162,454) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 365.01 Td (Equity contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 365.15 Td (647) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 365.15 Td (28,903) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 365.15 Td (343) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 365.15 Td (29,893) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 352.01 Td (Commodity contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 352.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 352.15 Td (16,788) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 352.15 Td (767) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 352.15 Td (17,555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 339.01 Td (Credit derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 339.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 339.15 Td (9,839) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 339.15 Td (926) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 339.15 Td (10,765) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 326.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 326.15 Td (otal trading derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 326.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 326.15 Td (748) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 326.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.75 326.15 Td (387,498) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 326.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 326.15 Td (4,053) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 326.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 326.15 Td (392,299) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 313.15 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 122.00 317.23 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 313.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 313.15 Td (1) Tj ET Q q 0 0 0 rg BT 463.75 313.15 Td (1,518) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 300.15 Td (Netting agr) Tj ET Q q 0 0 0 rg BT 88.66 300.15 Td (eements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 300.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 300.15 Td (\(31) Tj ET Q q 0 0 0 rg BT 508.75 300.15 Td (1,089) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 300.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 287.15 Td (Netting of cash collateral r) Tj ET Q q 0 0 0 rg BT 146.89 287.15 Td (eceived) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 287.15 Td (\(38,608) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 287.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 274.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 274.15 Td (otal trading derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 274.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 274.15 Td (748) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 274.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.75 274.15 Td (387,498) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 274.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 274.15 Td (4,053) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 274.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 274.15 Td (403,817) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 274.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 274.15 Td (\(349,697) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 274.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 274.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 274.15 Td (54,120) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 261.15 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 248.15 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 235.01 Td (U.S. government-sponsored agency guaranteed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 235.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 235.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 235.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 235.15 Td (42,988) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 235.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 235.15 Td (32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 235.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 235.15 Td (43,020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 235.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 235.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 235.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 235.15 Td (43,020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 222.01 Td (Residential) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 222.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 222.15 Td (1,313) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 222.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 222.15 Td (1,313) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 222.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 222.15 Td (1,313) Tj ET Q BT /F1 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ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 196.15 Td (44,505) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 196.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 196.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 196.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 196.15 Td (44,505) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 183.15 Td ( U.S. ) Tj ET Q q 0 0 0 rg BT 61.67 183.15 Td (T) Tj ET Q q 0 0 0 rg BT 67.26 183.15 Td (r) Tj ET Q q 0 0 0 rg BT 70.84 183.15 Td (easury and federal agency securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 183.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 183.15 Td (107,577) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 183.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 183.15 Td (9,645) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 183.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 183.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 183.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 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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 36.5 681.5 m 288.5 681.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 681.5 m 338.5 681.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 681.5 m 392.5 681.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 667.5 m 392.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 681.5 m 435.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 681.5 m 435.5 681.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 667.5 m 435.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 681.5 m 487.5 681.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 681.5 m 532.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 681.5 m 532.5 681.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 681.5 m 576.5 681.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 667.5 m 288.5 667.5 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 288.5 667.5 m 338.5 667.5 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 338.5 667.5 m 392.5 667.5 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 435.5 667.5 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 392.5 667.5 m 435.5 667.5 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 435.5 667.5 m 487.5 667.5 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 532.5 667.5 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 487.5 667.5 m 532.5 667.5 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 532.5 667.5 m 576.5 667.5 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 435.5 653.5 m 435.5 639.5 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 532.5 639.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 639.5 m 435.5 625.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 639.5 m 532.5 625.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 625.5 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 532.5 625.5 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 435.5 602.5 m 435.5 588.5 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 532.5 588.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 588.5 m 435.5 574.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 588.5 m 532.5 574.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 574.5 m 435.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 574.5 m 532.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 560.5 m 288.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 546.5 m 288.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 560.5 m 338.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 546.5 m 338.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 560.5 m 392.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 546.5 m 392.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 560.5 m 435.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 560.5 m 435.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 546.5 m 435.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 560.5 m 487.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 546.5 m 487.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 560.5 m 532.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 560.5 m 532.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 546.5 m 532.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 560.5 m 576.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 546.5 m 576.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 546.5 m 435.5 532.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 546.5 m 532.5 532.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 532.5 m 435.5 518.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 532.5 m 532.5 518.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 518.5 m 435.5 504.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 518.5 m 532.5 504.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 504.5 m 435.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 504.5 m 532.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 490.5 m 435.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 490.5 m 532.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 476.5 m 435.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 476.5 m 532.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 462.5 m 288.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 448.5 m 288.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 462.5 m 338.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 448.5 m 338.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 462.5 m 392.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 448.5 m 392.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 462.5 m 435.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 462.5 m 435.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 448.5 m 435.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 462.5 m 487.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 448.5 m 487.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 462.5 m 532.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 448.5 m 338.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 448.5 m 392.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 448.5 m 435.5 434.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 448.5 m 435.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 448.5 m 487.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 448.5 m 532.5 434.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 434.5 m 435.5 420.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 434.5 m 532.5 420.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 420.5 m 435.5 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 420.5 m 532.5 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 406.5 m 288.5 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 392.5 m 288.5 392.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 406.5 m 338.5 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 392.5 m 338.5 392.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 406.5 m 392.5 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 392.5 m 392.5 392.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 406.5 m 435.5 392.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 406.5 m 435.5 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 392.5 m 435.5 392.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 406.5 m 487.5 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 392.5 m 487.5 392.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 406.5 m 532.5 392.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 406.5 m 532.5 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 392.5 m 532.5 392.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 406.5 m 576.5 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 392.5 m 576.5 392.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 392.5 m 435.5 378.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 392.5 m 532.5 378.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 378.5 m 435.5 364.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 378.5 m 532.5 364.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 364.5 m 288.5 364.5 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 288.5 364.5 m 338.5 364.5 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 338.5 364.5 m 392.5 364.5 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 435.5 364.5 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 392.5 364.5 m 435.5 364.5 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 435.5 364.5 m 487.5 364.5 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 532.5 364.5 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 487.5 364.5 m 532.5 364.5 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 532.5 364.5 m 576.5 364.5 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 36.5 327.5 m 288.5 327.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 327.5 m 338.5 327.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 327.5 m 392.5 327.5 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 435.5 327.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 327.5 m 435.5 327.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 327.5 m 487.5 327.5 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 532.5 327.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 327.5 m 532.5 327.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 327.5 m 576.5 327.5 l s 0 0 0 RG /GS0 gs 2.00 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 2.00 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 2.00 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 435.5 327.5 m 435.5 313.5 l s 0 0 0 RG /GS0 gs 2.00 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 2.00 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 532.5 327.5 m 532.5 313.5 l s 0 0 0 RG /GS0 gs 2.00 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 2.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 313.5 m 576.5 313.5 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, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.10 736.95 Td (Level1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.10 736.95 Td (Level2) 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 (Gr) Tj ET Q q 0 0 0 rg BT 460.71 745.95 Td (oss) 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 (\(1\)) 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 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 (2,946) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 722.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 722.95 Td (277) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 722.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 722.95 Td (3,223) 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 (3,223) 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 412.50 708.95 Td (584) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.50 708.95 Td (584) 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 559.50 708.95 Td (584) 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) Tj ET Q q 0 0 0 rg BT 170.17 694.95 Td ( financial assets measur) Tj ET Q q 0 0 0 rg BT 260.75 694.95 Td (ed on) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 685.95 Td (a r) Tj ET Q q 0 0 0 rg BT 49.66 685.95 Td (ecurring basis) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 685.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 685.95 Td (15,839) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 685.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 685.95 Td (4,949) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 685.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 685.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 685.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 685.95 Td (20,788) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 685.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 685.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 685.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 685.95 Td (20,788) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 671.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 671.95 Td (otal assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 671.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 671.95 Td (294,151) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 671.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 671.95 Td (818,051) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 671.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.25 671.95 Td (10,314) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 671.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.00 671.95 Td (1,134,034) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 671.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 671.95 Td (\(416,681) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 671.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 671.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 671.95 Td (717,353) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 657.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 657.95 Td (otal as a per) Tj ET Q q 0 0 0 rg BT 90.76 657.95 Td (centage of gr) Tj ET Q q 0 0 0 rg BT 140.07 657.95 Td (oss assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 175.83 662.03 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.25 657.95 Td (26.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 657.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.25 657.95 Td (72.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 657.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.75 657.95 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 657.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 643.95 Td (Liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 629.95 Td (Inter) Tj ET Q q 0 0 0 rg BT 58.41 629.95 Td (est-bearing deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 629.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 629.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 629.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.50 629.95 Td (980) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 629.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 629.95 Td (495) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 629.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 629.95 Td (1,475) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 629.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 629.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 629.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 629.95 Td (1,475) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 615.95 Td (Federal funds pur) Tj ET Q q 0 0 0 rg BT 108.43 615.95 Td (chased and securities loaned and sold under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 606.95 Td (agr) Tj ET Q q 0 0 0 rg BT 51.91 606.95 Td (eements to r) Tj ET Q q 0 0 0 rg BT 98.73 606.95 Td (epur) Tj ET Q q 0 0 0 rg BT 116.57 606.95 Td (chase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 606.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 606.95 Td (1) Tj ET Q q 0 0 0 rg BT 358.25 606.95 Td (10,51) Tj ET Q q 0 0 0 rg BT 378.50 606.95 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 606.95 Td (983) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 606.95 Td (1) Tj ET Q q 0 0 0 rg BT 453.25 606.95 Td (1) Tj ET Q q 0 0 0 rg BT 457.75 606.95 Td (1,494) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 606.95 Td (\(66,984) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 606.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 606.95 Td (44,510) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 592.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.67 592.95 Td (rading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 578.95 Td (Securities sold, not yet pur) Tj ET Q q 0 0 0 rg BT 147.17 578.95 Td (chased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 578.95 Td (78,872) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 578.95 Td (1) Tj ET Q q 0 0 0 rg BT 362.75 578.95 Td (1,364) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 578.95 Td (586) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 578.95 Td (90,822) 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 548.25 578.95 Td (90,822) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 564.95 Td (Other) Tj ET Q q 0 0 0 rg BT 67.91 564.95 Td ( trading liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 564.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 564.95 Td (1,547) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 564.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 564.95 Td (1,547) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 564.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 564.95 Td (1,547) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 550.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 550.95 Td (otal trading liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 550.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 550.95 Td (78,872) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 550.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 550.95 Td (12,91) Tj ET Q q 0 0 0 rg BT 378.50 550.95 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 550.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 550.95 Td (586) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 550.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 550.95 Td (92,369) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 550.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 550.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 550.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 550.95 Td (92,369) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 536.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.67 536.95 Td (rading derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 522.96 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 522.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 522.95 Td (71) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 522.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 522.95 Td (152,931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 522.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 522.95 Td (1,825) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 522.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 522.95 Td (154,827) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 508.96 Td (Foreign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 508.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 508.95 Td (159,003) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 508.95 Td (352) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 508.95 Td (159,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 494.96 Td (Equity contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 494.95 Td (351) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 494.95 Td (32,330) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 494.95 Td (1,127) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 494.95 Td (33,808) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 480.96 Td (Commodity contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 480.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 480.95 Td (19,904) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 480.95 Td (785) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 480.95 Td (20,689) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 466.96 Td (Credit derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 466.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 466.95 Td (9,486) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 466.95 Td (865) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 466.95 Td (10,351) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 452.95 Td (T) Tj ET Q q 0 0 0 rg BT 50.59 452.95 Td (otal trading derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 452.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 452.95 Td (422) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 452.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 452.95 Td (373,654) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 452.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 452.95 Td (4,954) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 452.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 452.95 Td (379,030) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 438.95 Td (Cash collateral r) Tj ET Q q 0 0 0 rg BT 108.82 438.95 Td (eceived) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 136.81 443.03 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 438.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 438.95 Td (13,906) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 424.95 Td (Netting agr) Tj ET Q q 0 0 0 rg BT 88.66 424.95 Td (eements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 424.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 424.95 Td (\(31) Tj ET Q q 0 0 0 rg BT 508.75 424.95 Td (1,089) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 424.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 410.95 Td (Netting of cash collateral paid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 410.95 Td (\(29,91) Tj ET Q q 0 0 0 rg BT 524.50 410.95 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 410.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 396.95 Td (T) Tj ET Q q 0 0 0 rg BT 50.18 396.95 Td (otal trading derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 396.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 396.95 Td (422) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 396.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 396.95 Td (373,654) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 396.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 396.95 Td (4,954) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 396.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 396.95 Td (392,936) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 396.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 396.95 Td (\(341,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 396.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 396.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 396.95 Td (51,936) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 382.95 Td (Short-term borr) Tj ET Q q 0 0 0 rg BT 101.65 382.95 Td (owings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 382.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 382.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 382.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 382.95 Td (4,446) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 382.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 382.95 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 382.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 382.95 Td (4,483) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 382.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 382.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 382.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 382.95 Td (4,483) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 368.95 Td (Long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 368.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 368.95 Td (25,659) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.25 368.95 Td (12,570) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 368.95 Td (38,229) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 368.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 368.95 Td (38,229) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 354.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 354.95 Td (otal non-trading derivatives and other) Tj ET Q q 0 0 0 rg BT 190.60 354.95 Td ( financial liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 345.95 Td (measur) Tj ET Q q 0 0 0 rg BT 67.41 345.95 Td (ed on a r) Tj ET Q q 0 0 0 rg BT 101.00 345.95 Td (ecurring basis) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 345.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 345.95 Td (15,839) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 345.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 345.95 Td (67) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 345.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 345.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 345.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 345.95 Td (15,906) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 345.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 345.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 345.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 345.95 Td (15,906) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 331.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 331.95 Td (otal liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 331.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 331.95 Td (95,133) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 331.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 331.95 Td (528,228) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 331.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.25 331.95 Td (19,625) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 331.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 331.95 Td (656,892) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 331.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 331.95 Td (\(407,984) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 331.95 Td (\)) 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 543.75 331.95 Td (248,908) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 317.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 317.95 Td (otal as a per) Tj ET Q q 0 0 0 rg BT 90.76 317.95 Td (centage of gr) Tj ET Q q 0 0 0 rg BT 140.07 317.95 Td (oss liabilities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 188.83 322.03 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.25 317.95 Td (14.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 317.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.25 317.95 Td (82.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 317.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.75 317.95 Td (3.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 317.95 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 294.80 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 294.80 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 54.00 285.20 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 412.59 285.20 Td (fsetting.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 275.60 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 275.60 Td (Includes positions related to investments in unallocated precious metals, as discussed in Note25 to the Consolidated Financial Statements. ) Tj ET Q q 0 0 0 rg BT 499.03 275.60 Td (Also includes physical ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 266.00 Td (commodities accounted for at the lower of cost or fair value and unfunded credit products.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 256.40 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 256.40 Td (Reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.42 256.40 Td ($41,429 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.53 256.40 Td ( of gross cash collateral paid, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.05 256.40 Td ($29,91) Tj ET Q q 0 0 0 rg BT 338.75 256.40 Td (1 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.86 256.40 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 415.71 256.40 Td (fset trading derivative liabilities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 246.80 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 246.80 Td (Amounts exclude ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 112.21 246.80 Td ($0.2 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.10 246.80 Td ( of investments measured at NA) Tj ET Q q 0 0 0 rg BT 250.93 246.80 Td (V) Tj ET Q q 0 0 0 rg BT 256.57 246.80 Td ( in accordance with ) Tj ET Q q 0 0 0 rg BT 320.54 246.80 Td (ASU No. 2015-07, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 382.98 246.80 Td (Fair V) Tj ET Q q 0 0 0 rg BT 403.21 246.80 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 443.13 246.80 Td (ement \(T) Tj ET Q q 0 0 0 rg BT 470.61 246.80 Td (opic 820\): Disclosur) Tj ET Q q 0 0 0 rg BT 536.52 246.80 Td (es for ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 237.20 Td (Investments in Certain Entities That Calculate Net ) Tj ET Q q 0 0 0 rg BT 217.62 237.20 Td (Asset V) Tj ET Q q 0 0 0 rg BT 240.50 237.20 Td (alue per Shar) Tj ET Q q 0 0 0 rg BT 283.76 237.20 Td (e \(or Its Equivalent\). ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 227.60 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 227.60 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 54.00 218.00 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 36.00 208.40 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 208.40 Td (Reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.42 208.40 Td ($52,514 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.53 208.40 Td ( of gross cash collateral received, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.36 208.40 Td ($38,608 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 381.48 208.40 Td (was used to of) Tj ET Q q 0 0 0 rg BT 429.32 208.40 Td (fset trading derivative assets.) 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 (250) 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 0.9333333333333333 1 rg /GS0 gs 537.50 538.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 510.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 510.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 510.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 510.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 510.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 510.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 510.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 482.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 482.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 482.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 482.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 482.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 482.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 482.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 454.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 454.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 454.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 454.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 454.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 454.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 454.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 426.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 426.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 426.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 426.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 426.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 426.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 426.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 398.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 398.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 398.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 398.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 398.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 398.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 398.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 370.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 370.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 370.75 50.00 -14.00 re f /GS0 gs 0.8 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 0.9333333333333333 1 rg /GS0 gs 36.50 202.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 202.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 202.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 202.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 202.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 202.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 202.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 174.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 174.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 174.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 174.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 174.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 174.75 48.00 -14.00 re f /GS0 gs 0.8 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 438.5 715.75 m 438.5 701.75 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 537.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 701.75 m 438.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 701.75 m 537.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 678.75 m 438.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 678.75 m 537.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 664.75 m 438.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 664.75 m 537.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 650.75 m 438.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 650.75 m 537.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 636.75 m 438.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 636.75 m 537.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 622.75 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 537.5 622.75 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 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 438.5 608.75 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 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 537.5 608.75 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 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 438.5 594.75 m 438.5 580.75 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 537.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 580.75 m 438.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 580.75 m 537.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 566.75 m 438.5 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 566.75 m 537.5 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 552.75 m 438.5 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 552.75 m 537.5 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 538.75 m 438.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 538.75 m 537.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 524.75 m 438.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 524.75 m 537.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 510.75 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 537.5 510.75 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 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 438.5 496.75 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 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 537.5 496.75 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 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 438.5 482.75 m 438.5 468.75 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 537.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 468.75 m 438.5 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 468.75 m 537.5 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 454.75 m 438.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 454.75 m 537.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 440.75 m 438.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 440.75 m 537.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 426.75 m 438.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 426.75 m 537.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 412.75 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 537.5 412.75 m 537.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 398.75 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 438.5 398.75 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 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 537.5 398.75 m 537.5 384.75 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 438.5 384.75 m 438.5 370.75 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 537.5 384.75 m 537.5 370.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 370.75 m 438.5 356.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 370.75 m 537.5 356.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 356.75 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 537.5 356.75 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 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 438.5 342.75 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 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 537.5 342.75 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 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 438.5 328.75 m 438.5 314.75 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 537.5 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 314.75 m 438.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 314.75 m 537.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 300.75 m 438.5 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 300.75 m 537.5 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 286.75 m 438.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 286.75 m 537.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 272.75 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 537.5 272.75 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 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 438.5 258.75 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 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 537.5 258.75 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 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 438.5 244.75 m 438.5 230.75 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 537.5 230.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 230.75 m 438.5 216.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 230.75 m 537.5 216.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 216.75 m 438.5 202.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 216.75 m 537.5 202.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 202.75 m 438.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 202.75 m 537.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 188.75 m 438.5 174.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 188.75 m 537.5 174.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 174.75 m 438.5 160.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 174.75 m 537.5 160.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 160.75 m 438.5 146.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 160.75 m 537.5 146.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 146.75 m 438.5 132.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 146.75 m 537.5 132.75 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 438.5 132.75 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 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 537.5 132.75 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 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, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.85 720.21 Td (Level 1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.35 720.21 Td (Level 2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.35 720.21 Td (Level 3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.95 729.21 Td (Gross) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 720.21 Td (inventory) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.05 720.21 Td (Netting) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 523.05 724.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 729.21 Td (Net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 720.21 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 borr) Tj ET Q q 0 0 0 rg BT 184.67 692.20 Td (owed and pur) Tj ET Q q 0 0 0 rg BT 237.52 692.20 Td (chased under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 683.20 Td (agr) Tj ET Q q 0 0 0 rg BT 51.91 683.20 Td (eements to r) Tj ET Q q 0 0 0 rg BT 98.73 683.20 Td (esell) 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 (188,571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 683.21 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 683.21 Td (188,587) 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 (\(55,638) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 683.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 683.21 Td (132,949) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 669.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.67 669.20 Td (rading non-derivative assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 655.20 Td (T) Tj ET Q q 0 0 0 rg BT 50.67 655.20 Td (rading mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 641.21 Td (U.S. government-sponsored agency guaranteed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 641.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 641.21 Td (22,801) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 641.21 Td (163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 641.21 Td (22,964) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 641.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 641.21 Td (22,964) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 627.21 Td (Residential) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 627.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 627.21 Td (649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 627.21 Td (164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 627.21 Td (813) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 627.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 627.21 Td (813) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 613.21 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 613.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 613.21 Td (1,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 613.21 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 613.21 Td (1,366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 613.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 613.21 Td (1,366) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 599.20 Td (T) Tj ET Q q 0 0 0 rg BT 50.59 599.20 Td (otal trading mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 599.21 Td ($) 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 599.21 Td (24,759) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 599.21 Td (384) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 599.21 Td (25,143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 599.21 Td ($) 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 599.21 Td (25,143) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 585.20 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 63.17 585.20 Td (T) Tj ET Q q 0 0 0 rg BT 68.76 585.20 Td (r) Tj ET Q q 0 0 0 rg BT 72.34 585.20 Td (easury and federal agency securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 585.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.25 585.21 Td (17,524) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 585.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 585.21 Td (3,613) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 585.21 Td ($) 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 585.21 Td (21,137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 585.21 Td ($) 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 (21,137) 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 (4,426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 571.21 Td (274) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 571.21 Td (4,700) 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 (4,700) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 557.20 Td (For) Tj ET Q q 0 0 0 rg BT 58.91 557.20 Td (eign government) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.25 557.21 Td (39,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 557.21 Td (20,843) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 557.21 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 557.21 Td (60,206) 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 (60,206) 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 329.50 543.21 Td (301) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 543.21 Td (15,129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 543.21 Td (275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 543.21 Td (15,705) 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 (15,705) 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 (53,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 529.21 Td (6,794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 529.21 Td (120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 529.21 Td (60,219) 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 (60,219) 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 (1,198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 515.21 Td (1,590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 515.21 Td (2,788) 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 (2,788) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 501.20 Td (Other) Tj ET Q q 0 0 0 rg BT 67.83 501.20 Td ( trading assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 122.83 505.28 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.50 501.21 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 501.21 Td (1) Tj ET Q q 0 0 0 rg BT 372.75 501.21 Td (1,105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 501.21 Td (615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 501.21 Td (1) Tj ET Q q 0 0 0 rg BT 465.75 501.21 Td (1,723) 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 (1) Tj ET Q q 0 0 0 rg BT 552.75 501.21 Td (1,723) 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 44.59 487.20 Td (otal trading non-derivative assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 487.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 487.21 Td (1) Tj ET Q q 0 0 0 rg BT 318.25 487.21 Td (10,480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 487.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 487.21 Td (87,867) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 487.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 487.21 Td (3,274) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 487.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 487.21 Td (201,621) 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 (201,621) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 473.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.67 473.20 Td (rading 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 459.21 Td (145) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 459.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 459.21 Td (203,134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 459.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 459.21 Td (1,708) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 459.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 459.21 Td (204,987) 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 (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 445.21 Td (121,363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 445.21 Td (577) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 445.21 Td (121,959) 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 (2,364) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 431.21 Td (24,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 431.21 Td (444) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 431.21 Td (26,978) 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 (282) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 417.21 Td (13,252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 417.21 Td (569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 417.21 Td (14,103) 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 (19,624) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 403.21 Td (910) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 403.21 Td (20,534) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 389.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 389.20 Td (otal trading derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 389.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.75 389.21 Td (2,810) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 389.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 389.21 Td (381,543) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 389.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 389.21 Td (4,208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 389.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 389.21 Td (388,561) 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 375.21 Td (7,541) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 361.20 Td (Netting agr) Tj ET Q q 0 0 0 rg BT 88.66 361.20 Td (eements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 361.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 361.21 Td (\(306,401) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 361.21 Td (\)) 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 146.89 347.20 Td (eceived) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.25 347.21 Td (\(38,532) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 347.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 333.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 333.20 Td (otal 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 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0.9333333333333333 1 rg /GS0 gs 534.50 390.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 354.50 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 354.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 354.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 354.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 354.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 354.50 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 354.50 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 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/GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 442.5 m 438.5 429.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 442.5 m 534.5 429.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 429.5 m 438.5 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 429.5 m 534.5 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 416.5 m 297.5 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 403.5 m 297.5 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 416.5 m 346.5 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 403.5 m 346.5 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 416.5 m 396.5 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 403.5 m 396.5 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 416.5 m 438.5 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 416.5 m 438.5 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 403.5 m 438.5 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 416.5 m 489.5 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 403.5 m 489.5 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 416.5 m 534.5 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 416.5 m 534.5 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 403.5 m 534.5 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 416.5 m 573.5 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 403.5 m 573.5 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 403.5 m 438.5 390.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 403.5 m 534.5 390.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 377.5 m 297.5 377.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 377.5 m 346.5 377.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 377.5 m 396.5 377.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 390.5 m 438.5 377.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 377.5 m 438.5 377.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 377.5 m 489.5 377.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 390.5 m 534.5 377.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 377.5 m 534.5 377.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 377.5 m 573.5 377.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 354.5 m 297.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 377.5 m 438.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 377.5 m 534.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 354.5 m 534.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 354.5 m 297.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 340.5 m 297.5 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 354.5 m 346.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 354.5 m 396.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 354.5 m 438.5 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 354.5 m 438.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 354.5 m 489.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 354.5 m 534.5 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 354.5 m 534.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 354.5 m 573.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 340.5 m 297.5 340.5 l s 0 0 0 RG /GS0 gs 2.00 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 297.5 340.5 m 346.5 340.5 l s 0 0 0 RG /GS0 gs 2.00 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 346.5 340.5 m 396.5 340.5 l s 0 0 0 RG /GS0 gs 2.00 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 438.5 340.5 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 396.5 340.5 m 438.5 340.5 l s 0 0 0 RG /GS0 gs 2.00 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 438.5 340.5 m 489.5 340.5 l s 0 0 0 RG /GS0 gs 2.00 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 534.5 340.5 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 489.5 340.5 m 534.5 340.5 l s 0 0 0 RG /GS0 gs 2.00 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 534.5 340.5 m 573.5 340.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 326.5 m 573.5 326.5 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, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.85 736.96 Td (Level 1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.35 736.96 Td (Level 2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.35 736.96 Td (Level 3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.95 745.96 Td (Gross) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 736.96 Td (inventory) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.55 736.96 Td (Netting) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 521.55 741.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 745.96 Td (Net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.75 736.96 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 /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 (3,824) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 722.96 Td (550) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 722.96 Td (4,374) 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 (4,374) 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 417.00 708.96 Td (558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 708.96 Td (558) 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 556.50 708.96 Td (558) 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) Tj ET Q q 0 0 0 rg BT 170.17 694.95 Td ( financial assets measur) Tj ET Q q 0 0 0 rg BT 260.75 694.95 Td (ed on a) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 685.95 Td (r) Tj ET Q q 0 0 0 rg BT 42.91 685.95 Td (ecurring basis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 685.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 685.96 Td (13,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 685.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 685.96 Td (4,640) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 685.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 685.96 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 685.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 685.96 Td (18,559) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 685.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 685.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 685.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 685.96 Td (18,559) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 671.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 671.95 Td (otal assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 671.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.25 671.96 Td (292,700) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 671.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 671.96 Td (790,217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 671.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.75 671.96 Td (1) Tj ET Q q 0 0 0 rg BT 410.25 671.96 Td (1,059) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 671.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 671.96 Td (1,101,517) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 671.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.75 671.96 Td (\(400,571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 671.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 671.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.75 671.96 Td (700,946) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 657.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 657.95 Td (otal as a per) Tj ET Q q 0 0 0 rg BT 90.76 657.95 Td (centage of gr) Tj ET Q q 0 0 0 rg BT 140.07 657.95 Td (oss assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 175.83 662.03 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.75 657.96 Td (26.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.50 657.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 657.96 Td (72.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 657.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 657.96 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 657.96 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 643.95 Td (Liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 629.95 Td (Inter) Tj ET Q q 0 0 0 rg BT 58.41 629.95 Td (est-bearing deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 629.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 629.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 629.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 629.96 Td (1,179) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 629.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 629.96 Td (286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 629.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 629.96 Td (1,465) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 629.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 629.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 629.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 629.96 Td (1,465) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 615.95 Td (Federal funds pur) Tj ET Q q 0 0 0 rg BT 108.43 615.95 Td (chased and securities loaned and sold under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 606.95 Td (agr) Tj ET Q q 0 0 0 rg BT 51.91 606.95 Td (eements to r) Tj ET Q q 0 0 0 rg BT 98.73 606.95 Td (epur) Tj ET Q q 0 0 0 rg BT 116.57 606.95 Td (chase) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 606.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 606.96 Td (95,550) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 606.96 Td (726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 606.96 Td (96,276) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.25 606.96 Td (\(55,638) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 606.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 606.96 Td (40,638) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 592.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.67 592.95 Td (rading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 578.95 Td (Securities sold, not yet pur) Tj ET Q q 0 0 0 rg BT 147.17 578.95 Td (chased) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 578.96 Td (65,843) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 578.96 Td (10,306) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 578.96 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 578.96 Td (76,171) 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 545.25 578.96 Td (76,171) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 564.95 Td (Other) Tj ET Q q 0 0 0 rg BT 67.91 564.95 Td ( trading liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 564.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 564.96 Td (1,409) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 564.96 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 564.96 Td (1,414) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 564.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 564.96 Td (1,414) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 550.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 550.95 Td (otal trading liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 550.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 550.96 Td (65,843) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 550.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 550.96 Td (1) Tj ET Q q 0 0 0 rg BT 368.25 550.96 Td (1,715) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 550.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 550.96 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 550.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 550.96 Td (77,585) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 550.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 550.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 550.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 550.96 Td (77,585) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 537.90 Td (T) Tj ET Q q 0 0 0 rg BT 50.67 537.90 Td (rading account derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 524.76 Td (Interest rate contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 524.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.00 524.76 Td (137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 524.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 524.76 Td (182,372) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 524.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 524.76 Td (2,130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 524.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 524.76 Td (184,639) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 511.76 Td (Foreign exchange contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 511.76 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 511.76 Td (120,316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 511.76 Td (447) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 511.76 Td (120,772) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 498.76 Td (Equity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.25 498.76 Td (2,430) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 498.76 Td (26,472) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 498.76 Td (2,471) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 498.76 Td (31,373) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 485.76 Td (Commodity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.00 485.76 Td (1) Tj ET Q q 0 0 0 rg BT 329.50 485.76 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 485.76 Td (14,482) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 485.76 Td (2,430) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 485.76 Td (17,027) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 472.76 Td (Credit derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 472.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 472.76 Td (19,824) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 472.76 Td (1,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 472.76 Td (21,533) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 459.90 Td (T) Tj ET Q q 0 0 0 rg BT 50.59 459.90 Td (otal trading derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 459.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.25 459.76 Td (2,691) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 459.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 459.76 Td (363,466) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 459.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 459.76 Td (9,187) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 459.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 459.76 Td (375,344) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 446.90 Td (Cash collateral r) Tj ET Q q 0 0 0 rg BT 108.82 446.90 Td (eceived) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 136.81 450.98 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 446.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 446.76 Td (14,308) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 433.90 Td (Netting agr) Tj ET Q q 0 0 0 rg BT 88.66 433.90 Td (eements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 433.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.75 433.76 Td (\(306,401) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 433.76 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 420.90 Td (Netting of cash collateral paid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.25 420.76 Td (\(35,666) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 420.76 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 407.90 Td (T) Tj ET Q q 0 0 0 rg BT 50.18 407.90 Td (otal trading derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 407.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.25 407.76 Td (2,691) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 407.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 407.76 Td (363,466) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 407.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 407.76 Td (9,187) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 407.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 407.76 Td (389,652) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 407.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.75 407.76 Td (\(342,067) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 407.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 407.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 407.76 Td (47,585) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 394.90 Td (Short-term borr) Tj ET Q q 0 0 0 rg BT 101.65 394.90 Td (owings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 394.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 394.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 394.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 394.76 Td (4,609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 394.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 394.76 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 394.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 394.76 Td (4,627) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 394.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 394.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 394.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 394.76 Td (4,627) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 381.90 Td (Long-term debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 381.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 381.76 Td (18,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.75 381.76 Td (13,082) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 381.76 Td (31,392) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 381.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 381.76 Td (31,392) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 367.95 Td (Non-trading derivatives and other) Tj ET Q q 0 0 0 rg BT 170.17 367.95 Td ( financial liabilities measur) Tj ET Q q 0 0 0 rg BT 273.75 367.95 Td (ed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 358.95 Td (on a r) Tj ET Q q 0 0 0 rg BT 61.42 358.95 Td (ecurring basis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 358.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 358.96 Td (13,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 358.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 358.96 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 358.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 358.96 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 358.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 358.96 Td (13,961) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 358.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 358.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 358.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 358.96 Td (13,961) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 344.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 344.95 Td (otal liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 344.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 344.96 Td (82,437) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 344.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 344.96 Td (494,879) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 344.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.75 344.96 Td (23,334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 344.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 344.96 Td (614,958) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 344.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.75 344.96 Td (\(397,705) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 344.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 344.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.75 344.96 Td (217,253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 330.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 330.95 Td (otal as a per) Tj ET Q q 0 0 0 rg BT 90.76 330.95 Td (centage of gr) Tj ET Q q 0 0 0 rg BT 140.07 330.95 Td (oss liabilities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 188.83 335.03 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.75 330.96 Td (13.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.50 330.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 330.96 Td (82.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 330.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 330.96 Td (3.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 330.96 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 307.80 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 307.80 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 54.00 298.20 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 412.59 298.20 Td (fsetting.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 288.60 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 288.60 Td (Includes positions related to investments in unallocated precious metals, as discussed in Note25 to the Consolidated Financial Statements. ) Tj ET Q q 0 0 0 rg BT 499.03 288.60 Td (Also includes physical ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 279.00 Td (commodities accounted for at the lower of cost or fair value and unfunded credit products.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 269.40 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 269.40 Td (Reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.42 269.40 Td ($43,207 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.53 269.40 Td ( of gross cash collateral paid, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.05 269.40 Td ($35,666 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.16 269.40 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 416.01 269.40 Td (fset trading derivative liabilities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 259.80 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 259.80 Td (Amounts exclude ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 112.21 259.80 Td ($0.4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.10 259.80 Td ( of investments measured at NA) Tj ET Q q 0 0 0 rg BT 250.93 259.80 Td (V) Tj ET Q q 0 0 0 rg BT 256.57 259.80 Td ( in accordance with ) Tj ET Q q 0 0 0 rg BT 320.54 259.80 Td (ASU 2015-07) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 365.21 259.80 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 250.20 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 250.20 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 54.00 240.60 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 36.00 231.00 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 231.00 Td (Reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.42 231.00 Td ($52,840 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.53 231.00 Td ( of gross cash collateral received, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.36 231.00 Td ($38,532 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 381.48 231.00 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 429.32 231.00 Td (fset trading derivative assets.) Tj ET Q 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 (252) 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, 2018) 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 (2017) 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 60.82 713.25 Td (The gains and losses presented below include changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (the fair value related to both observable and unobservable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (inputs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 677.25 Td (The Company often hedges positions with of) Tj ET Q q 0 0 0 rg BT 233.79 677.25 Td (fsetting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (positions that are classified in a dif) Tj ET Q q 0 0 0 rg BT 175.23 665.25 Td (ferent level. For example, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 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 324.00 749.10 Td (category presented in the tables below do not reflect the ef) Tj ET Q q 0 0 0 rg BT 557.61 749.10 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (of of) Tj ET Q q 0 0 0 rg BT 342.98 737.10 Td (fsetting losses and gains on hedging instruments that may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (be classified in the Level1 and Level2 categories. In addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (the Company hedges items classified in the Level3 category ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (with instruments also classified in Level3 of the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 361.10 689.10 Td (. ) Tj ET Q q 0 0 0 rg BT 365.92 689.10 Td (The hedged items and related hedges are presented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (gross in the following tables:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (Level3 Fair) Tj ET Q q 0 0 0 rg BT 87.47 629.25 Td ( ) Tj ET Q q 0 0 0 rg BT 89.79 629.25 Td (V) Tj ET Q q 0 0 0 rg BT 96.09 629.25 Td (alue Rollforward) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 576.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 576.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 576.75 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 576.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 576.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 576.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 576.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 576.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 576.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 576.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 576.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 576.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 526.75 96.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 526.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 526.75 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 526.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 526.75 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 526.75 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 526.75 41.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 526.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 526.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 526.75 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 526.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 526.75 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 484.75 96.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 484.75 36.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 484.75 51.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 484.75 42.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 484.75 34.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 484.75 34.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 484.75 41.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 484.75 42.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 484.75 36.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 484.75 46.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 484.75 36.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 484.75 46.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 442.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 442.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 442.75 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 442.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 442.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 442.75 34.00 -13.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 529.50 288.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 262.75 96.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 262.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 262.75 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 262.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 262.75 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 262.75 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 262.75 41.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 262.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 262.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 262.75 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 262.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 262.75 46.00 -21.00 re f /GS0 gs 0.8 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/GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 597.75 m 294.5 597.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 597.75 m 328.5 597.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 576.75 m 131.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 576.75 m 167.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 576.75 m 218.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 576.75 m 260.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 576.75 m 294.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 576.75 m 328.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 576.75 m 369.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 576.75 m 411.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 576.75 m 447.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 576.75 m 493.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 576.75 m 529.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 576.75 m 575.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 429.75 m 131.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 408.75 m 131.5 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 429.75 m 167.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 408.75 m 167.5 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 429.75 m 218.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 408.75 m 218.5 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 429.75 m 260.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 408.75 m 260.5 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 429.75 m 294.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 408.75 m 294.5 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 429.75 m 328.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 408.75 m 328.5 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 429.75 m 369.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 408.75 m 369.5 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 429.75 m 411.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 408.75 m 411.5 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 429.75 m 447.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 408.75 m 447.5 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 429.75 m 493.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 408.75 m 493.5 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 429.75 m 529.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 408.75 m 529.5 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 429.75 m 575.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 408.75 m 575.5 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 309.75 m 131.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 288.75 m 131.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 309.75 m 167.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 288.75 m 167.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 309.75 m 218.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 288.75 m 218.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 309.75 m 260.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 288.75 m 260.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 309.75 m 294.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 288.75 m 294.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 309.75 m 328.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 288.75 m 328.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 309.75 m 369.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 288.75 m 369.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 309.75 m 411.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 288.75 m 411.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 309.75 m 447.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 288.75 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 447.5 309.75 m 493.5 309.75 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 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 493.5 309.75 m 529.5 309.75 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 529.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 309.75 m 575.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 288.75 m 575.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 288.75 m 131.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 288.75 m 167.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 288.75 m 218.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 288.75 m 260.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 288.75 m 294.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 288.75 m 328.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 288.75 m 369.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 288.75 m 411.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 288.75 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 447.5 288.75 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 493.5 288.75 m 529.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 288.75 m 575.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 202.75 m 131.5 202.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 181.75 m 131.5 181.75 l s 0 0 0 RG 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411.5 202.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 181.75 m 411.5 181.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 202.75 m 447.5 202.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 181.75 m 447.5 181.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 202.75 m 493.5 202.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 181.75 m 493.5 181.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 202.75 m 529.5 202.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 181.75 m 529.5 181.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 202.75 m 575.5 202.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 181.75 m 575.5 181.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 601.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 134.00 601.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.95 609.98 Td (Net r) Tj ET Q q 0 0 0 rg BT 191.42 609.98 Td (ealized/unr) Tj ET Q q 0 0 0 rg BT 229.49 609.98 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 171.35 601.98 Td (gains \(losses\) included in) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 277.60 601.98 Td (T) Tj ET Q q 0 0 0 rg BT 282.64 601.98 Td (ransfers) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.00 601.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.00 601.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 601.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 601.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 601.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.40 604.98 Td (Unr) Tj ET Q q 0 0 0 rg BT 547.03 604.98 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 543.10 596.98 Td (gains) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 539.75 588.98 Td (\(losses\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 534.40 580.98 Td (still held) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 563.52 584.61 Td (\(3\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 581.00 Td (In millions of dollars) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.55 589.00 Td (Dec. 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 141.00 581.00 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 176.70 588.98 Td (Principal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 171.60 580.98 Td (transactions) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.70 580.98 Td (Other) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 243.14 584.61 Td (\(1\)\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 270.30 588.98 Td (into) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 264.65 580.98 Td (Level 3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 301.10 588.98 Td (out of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 298.65 580.98 Td (Level 3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.20 580.98 Td (Pur) Tj ET Q q 0 0 0 rg BT 344.01 580.98 Td (chases) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.75 580.98 Td (Issuances) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.30 580.98 Td (Sales) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.20 580.98 Td (Settlements) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 497.55 588.98 Td (Dec. 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 503.00 580.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 567.98 Td (Assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 554.98 Td (Federal funds sold and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 546.98 Td (securities borr) Tj ET Q q 0 0 0 rg BT 87.47 546.98 Td (owed and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 538.98 Td (pur) Tj ET Q q 0 0 0 rg BT 50.38 538.98 Td (chased under) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 530.98 Td (agr) Tj ET Q q 0 0 0 rg BT 49.48 530.98 Td (eements to r) Tj ET Q q 0 0 0 rg BT 91.09 530.98 Td (esell) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 134.00 531.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 156.30 531.00 Td (16) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 170.00 530.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.30 530.98 Td (17) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 221.00 530.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 530.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 263.00 530.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 283.30 530.98 Td (50) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 530.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.30 530.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.00 530.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 530.98 Td (95) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.00 530.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 530.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 530.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.30 530.98 Td (16) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 530.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 530.98 Td (\(79) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 530.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 530.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 530.98 Td (1) Tj ET Q q 0 0 0 rg BT 518.30 530.98 Td (15) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 530.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 568.30 530.98 Td (9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 517.98 Td (T) Tj ET Q q 0 0 0 rg BT 43.04 517.98 Td (rading non-derivative) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 509.98 Td (assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 496.98 Td (T) Tj ET Q q 0 0 0 rg BT 49.04 496.98 Td (rading mortgage-) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 488.98 Td (backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 476.00 Td (U.S. government-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 468.00 Td (sponsored agency) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 460.00 Td (guaranteed) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.30 460.00 Td (163) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 211.30 459.98 Td (5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 459.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 283.30 459.98 Td (92) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.60 459.98 Td (\(107) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 459.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 459.98 Td (281) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 459.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 459.98 Td (\(278) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 459.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 459.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 459.98 Td (156) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 560.30 459.98 Td (186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 447.00 Td (Residential) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.30 447.00 Td (164) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 446.98 Td (1) Tj ET Q q 0 0 0 rg BT 207.30 446.98 Td (12) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 446.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.30 446.98 Td (124) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.60 446.98 Td (\(133) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 446.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 446.98 Td (154) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 446.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 446.98 Td (\(153) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 446.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 446.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 446.98 Td (268) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 568.30 446.98 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 434.00 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 156.30 434.00 Td (57) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 208.60 433.98 Td (\(7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 215.30 433.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 433.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 283.30 433.98 Td (24) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.60 433.98 Td (\(49) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 433.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 433.98 Td (1) Tj ET Q q 0 0 0 rg BT 358.25 433.98 Td (10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 433.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 433.98 Td (\(58) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 433.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 433.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 433.98 Td (77) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 433.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 420.98 Td (T) Tj ET Q q 0 0 0 rg BT 42.97 420.98 Td (otal trading mortgage-) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 412.98 Td (backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 134.00 413.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.30 413.00 Td (384) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 170.00 412.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 412.98 Td (1) Tj ET Q q 0 0 0 rg BT 207.30 412.98 Td (10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 221.00 412.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 412.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 263.00 412.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.30 412.98 Td (240) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 412.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.60 412.98 Td (\(289) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 412.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.00 412.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 412.98 Td (545) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.00 412.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 412.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 412.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 412.98 Td (\(489) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 412.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 412.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 412.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 412.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 412.98 Td (501) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 412.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 560.30 412.98 Td (190) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 399.98 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 60.15 399.98 Td (T) Tj ET Q q 0 0 0 rg BT 65.12 399.98 Td (r) Tj ET Q q 0 0 0 rg BT 68.30 399.98 Td (easury and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 391.98 Td (federal agency securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 134.00 392.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 156.30 392.00 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 170.00 391.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.30 391.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 221.00 391.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 391.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 263.00 391.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.30 391.98 Td (6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 391.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 318.60 391.98 Td (\(4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 391.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.00 391.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.30 391.98 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.00 391.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 391.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 391.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.30 391.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 391.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 483.60 391.98 Td (\(2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 391.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 391.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.30 391.98 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 391.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 391.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 378.98 Td (State and municipal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.30 379.00 Td (274) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.30 378.98 Td (22) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 378.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 283.30 378.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.60 378.98 Td (\(96) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 378.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 378.98 Td (45) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 378.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 378.98 Td (\(45) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 378.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 378.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 378.98 Td (200) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 568.30 378.98 Td (9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 365.98 Td (For) Tj ET Q q 0 0 0 rg BT 56.37 365.98 Td (eign government) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 156.30 366.00 Td (16) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 208.60 365.98 Td (\(2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 215.30 365.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 365.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.30 365.98 Td (5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.60 365.98 Td (\(13) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 365.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 365.98 Td (75) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 365.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 365.98 Td (\(50) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 365.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 365.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 365.98 Td (31) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 561.60 366.03 Td (\(28) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 365.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 352.98 Td (Corporate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.30 353.00 Td (275) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.60 352.98 Td (\(72) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 215.30 352.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 352.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.30 352.98 Td (138) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.60 352.98 Td (\(122) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 352.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 352.98 Td (596) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 397.60 352.98 Td (\(40) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.30 352.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 352.98 Td (\(415) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 352.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 352.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 352.98 Td (360) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 561.60 353.03 Td (\(32) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 352.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 339.98 Td (Equity securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.30 340.00 Td (120) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 211.30 339.98 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 339.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 283.30 339.98 Td (25) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.60 339.98 Td (\(62) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 339.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 339.98 Td (290) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 339.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 339.98 Td (\(222) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 339.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 339.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 339.98 Td (153) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 561.60 340.03 Td (\(56) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 339.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 326.98 Td (Asset-backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 146.30 327.00 Td (1,590) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.30 326.98 Td (28) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 326.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 283.30 326.98 Td (77) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.60 326.98 Td (\(90) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 326.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 348.25 326.98 Td (1,238) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 326.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.60 326.98 Td (\(1,359) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 326.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 326.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 326.98 Td (1,484) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 561.60 327.03 Td (\(21) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 326.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 313.98 Td (Other) Tj ET Q q 0 0 0 rg BT 64.29 313.98 Td (trading assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.30 314.00 Td (615) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 313.98 Td (276) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 313.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.30 313.98 Td (197) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.60 313.98 Td (\(82) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 313.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 313.98 Td (598) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 404.30 313.98 Td (8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 313.98 Td (\(777) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 313.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 313.98 Td (\(17) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 313.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 313.98 Td (818) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 313.98 Td (91) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 300.98 Td (T) Tj ET Q q 0 0 0 rg BT 42.60 300.98 Td (otal trading non-) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 292.98 Td (derivative assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 134.00 293.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 146.30 293.00 Td (3,274) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 170.00 292.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 292.98 Td (364) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 221.00 292.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 292.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 263.00 292.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.30 292.98 Td (688) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 292.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.60 292.98 Td (\(758) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 292.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.00 292.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 348.25 292.98 Td (3,388) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.00 292.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 397.60 292.98 Td (\(32) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.30 292.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 292.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.60 292.98 Td (\(3,357) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 292.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 292.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 292.98 Td (\(19) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 292.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 292.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 292.98 Td (3,548) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 292.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 560.30 292.98 Td (153) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 279.98 Td (T) Tj ET Q q 0 0 0 rg BT 42.74 279.98 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 119.40 283.61 Td (\(4\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 267.00 Td (Interest rate contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 134.00 267.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.60 267.00 Td (\(422) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 164.30 267.00 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 170.00 266.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 266.98 Td (414) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 221.00 266.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 266.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 263.00 266.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 284.60 266.98 Td (\(6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 266.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 266.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.60 266.98 Td (\(193) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 266.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.00 266.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.30 266.98 Td (8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.00 266.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 266.98 Td (17) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 266.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 266.98 Td (\(32) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 266.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 266.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 266.98 Td (60) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 266.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.60 266.98 Td (\(154) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.30 266.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 266.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 560.30 266.98 Td (336) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 254.00 Td (Foreign exchange) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 246.00 Td (contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.30 246.00 Td (130) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.60 245.98 Td (\(99) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 215.30 245.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 245.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 280.60 245.98 Td (\(29) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 245.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.30 245.98 Td (77) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 245.98 Td (1) Tj ET Q q 0 0 0 rg BT 362.30 245.98 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 245.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 245.98 Td (\(89) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 245.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 483.60 245.98 Td (\(7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 245.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 519.60 245.98 Td (\(6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.30 245.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 561.60 246.03 Td (\(72) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 245.98 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 233.00 Td (Equity contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 143.60 233.00 Td (\(2,027) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 164.30 233.00 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 232.98 Td (479) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 232.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.60 232.98 Td (\(131) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 232.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.30 232.98 Td (1,1) Tj ET Q q 0 0 0 rg BT 317.30 232.98 Td (14) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 232.98 Td (25) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 397.60 232.98 Td (\(44) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.30 232.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 232.98 Td (\(17) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 232.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 232.98 Td (\(183) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 232.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.60 232.98 Td (\(784) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.30 232.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 232.98 Td (52) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 220.00 Td (Commodity contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 143.60 220.00 Td (\(1,861) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 164.30 220.00 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 200.60 219.98 Td (\(505) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 215.30 219.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 219.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 280.60 219.98 Td (\(32) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 219.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.30 219.98 Td (2,180) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 219.98 Td (62) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 219.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 219.98 Td (\(19) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 219.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.30 219.98 Td (157) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 515.60 219.98 Td (\(18) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.30 219.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 557.60 220.03 Td (\(171) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 219.98 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 207.00 Td (Credit derivatives) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.60 207.00 Td (\(799) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 164.30 207.00 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 206.98 Td (261) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 206.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 284.60 206.98 Td (\(7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 206.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.30 206.98 Td (391) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.30 206.98 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 206.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 440.30 206.98 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.30 206.98 Td (212) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 206.98 Td (61) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 206.98 Td (87) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 193.98 Td (T) Tj ET Q q 0 0 0 rg BT 42.60 193.98 Td (otal trading derivatives, ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 185.98 Td (net) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 48.66 189.61 Td (\(4\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 134.00 186.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 143.60 186.00 Td (\(4,979) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 164.30 186.00 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 170.00 185.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 185.98 Td (550) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 221.00 185.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 185.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 263.00 185.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.60 185.98 Td (\(205) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 185.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 185.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.30 185.98 Td (3,569) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.00 185.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 185.98 Td (108) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.00 185.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 397.60 185.98 Td (\(27) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.30 185.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 185.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 185.98 Td (\(156) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 185.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 185.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.30 185.98 Td (239) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 185.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.60 185.98 Td (\(901) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.30 185.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 185.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 560.30 185.98 Td (232) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.90 162.25 Td (T) Tj ET Q q 0 0 0 rg BT 203.31 162.25 Td (able continues on the next page, including footnotes.) 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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 35.5 467.5 m 134.5 467.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 454.5 m 134.5 454.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 467.5 m 170.5 467.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 454.5 m 170.5 454.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 467.5 m 221.5 467.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 454.5 m 221.5 454.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 467.5 m 263.5 467.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 454.5 m 263.5 454.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 467.5 m 297.5 467.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 454.5 m 297.5 454.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 467.5 m 331.5 467.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 454.5 m 331.5 454.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 467.5 m 375.5 467.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 454.5 m 375.5 454.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 467.5 m 417.5 467.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 454.5 m 417.5 454.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 467.5 m 447.5 467.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 454.5 m 447.5 454.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 467.5 m 493.5 467.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 454.5 m 493.5 454.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 467.5 m 529.5 467.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 454.5 m 529.5 454.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 467.5 m 575.5 467.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 454.5 m 575.5 454.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 399.5 m 134.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 399.5 m 170.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 399.5 m 221.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 399.5 m 263.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 399.5 m 297.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 399.5 m 331.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 399.5 m 375.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 399.5 m 417.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 399.5 m 447.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 399.5 m 493.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 399.5 m 529.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 399.5 m 575.5 399.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 234.5 m 134.5 234.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 234.5 m 170.5 234.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 234.5 m 221.5 234.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 234.5 m 263.5 234.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 234.5 m 297.5 234.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 234.5 m 331.5 234.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 234.5 m 375.5 234.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 234.5 m 417.5 234.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 234.5 m 447.5 234.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 234.5 m 493.5 234.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 234.5 m 529.5 234.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 234.5 m 575.5 234.5 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 r) Tj ET Q q 0 0 0 rg BT 194.42 746.73 Td (ealized/unr) Tj ET Q q 0 0 0 rg BT 232.49 746.73 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 174.35 738.73 Td (gains \(losses\) included in) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 280.60 738.73 Td (T) Tj ET Q q 0 0 0 rg BT 285.64 738.73 Td (ransfers) 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 (2017) 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 (Pur) Tj ET Q q 0 0 0 rg BT 348.51 717.73 Td (chases) 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 (2018) 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 654.75 Td (24) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.00 654.73 Td ($) 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 ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 654.73 Td (10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 654.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 654.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 654.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.30 654.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.00 654.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 654.73 Td () 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 437.60 654.73 Td (\(2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 654.73 Td (\)) 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 518.30 654.73 Td (32) 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 564.30 654.73 Td (14) 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 159.30 641.75 Td () 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 252.30 641.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 641.73 Td () 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 () 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 436.30 641.73 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 518.30 641.73 Td () 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 (3) 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 256.30 628.73 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 290.30 628.73 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 321.60 628.73 Td (\(1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 628.73 Td (\)) 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 437.60 628.73 Td (\(5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 628.73 Td (\)) 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 518.30 628.73 Td () 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 (T) Tj ET Q q 0 0 0 rg BT 48.97 615.73 Td (otal 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 599.75 Td (27) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.00 599.73 Td ($) 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 ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 599.73 Td (12) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 599.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 290.30 599.73 Td (1) 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 321.60 599.73 Td (\(1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 599.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.00 599.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 599.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.00 599.73 Td ($) 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 437.60 599.73 Td (\(7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 599.73 Td (\)) 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 518.30 599.73 Td (32) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 599.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 599.73 Td (14) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 586.73 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 60.15 586.73 Td (T) Tj ET Q q 0 0 0 rg BT 65.12 586.73 Td (r) Tj ET Q q 0 0 0 rg BT 68.30 586.73 Td (easury and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 578.73 Td (federal agency securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 578.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 578.75 Td () 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 ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 578.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.00 578.73 Td ($) 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 ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.30 578.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 578.73 Td ($) 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 ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 578.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 578.73 Td ($) 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 155.30 565.75 Td (737) 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 (\(20) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 565.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 565.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.60 565.73 Td (\(18) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 565.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.25 565.73 Td (21) Tj ET Q q 0 0 0 rg BT 368.25 565.73 Td (1) 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 (\(202) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 565.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 565.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 565.73 Td (708) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 561.60 565.78 Td (\(29) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 565.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 552.73 Td (For) Tj ET Q q 0 0 0 rg BT 56.37 552.73 Td (eign government) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 552.75 Td (92) 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 253.60 552.73 Td (\(3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 552.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 290.30 552.73 Td (3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 321.60 552.73 Td (\(4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 552.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.25 552.73 Td (141) 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 (\(161) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 552.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 552.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 552.73 Td (68) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 568.30 552.73 Td (4) 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 159.30 539.75 Td (71) 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 (\(1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 539.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 539.73 Td (61) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.60 539.73 Td (\(66) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 539.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.25 539.73 Td (101) 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 433.60 539.73 Td (\(10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 539.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 539.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 539.73 Td (156) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 539.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 526.73 Td (Marketable equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 518.73 Td (securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.30 518.75 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 518.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 256.30 518.73 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 518.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.30 518.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 518.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 518.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 437.60 518.73 Td (\(2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 518.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 483.60 518.73 Td (\(1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 518.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 518.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 518.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 505.73 Td (Asset-backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 505.75 Td (827) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 505.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.60 505.73 Td (\(21) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 505.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 505.73 Td (10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.60 505.73 Td (\(524) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 505.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 505.73 Td (63) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 505.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 505.73 Td (\(168) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 505.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 505.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 505.73 Td (187) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 505.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 492.73 Td (Other) Tj ET Q q 0 0 0 rg BT 64.37 492.73 Td (debtsecurities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 492.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 492.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 492.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 492.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.30 492.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 492.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 492.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.30 492.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 492.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 492.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 492.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 479.73 Td (Non-marketable equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 471.73 Td (securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 471.75 Td (681) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 471.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.60 471.73 Td (\(95) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 471.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.30 471.73 Td (193) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.30 471.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 471.73 Td (91) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 471.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 471.73 Td (\(234) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 471.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 471.73 Td (\(50) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 471.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 471.73 Td (586) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 471.73 Td (55) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 458.73 Td (T) Tj ET Q q 0 0 0 rg BT 42.97 458.73 Td (otal investments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 458.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.30 458.75 Td (2,437) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.00 458.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 458.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 224.00 458.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 245.60 458.73 Td (\(127) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 458.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 458.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.30 458.73 Td (268) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 458.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.60 458.73 Td (\(613) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 458.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.00 458.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.25 458.73 Td (607) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.00 458.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 458.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.00 458.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 458.73 Td (\(784) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 458.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 458.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 458.73 Td (\(51) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 458.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 458.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 458.73 Td (1,737) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 458.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 458.73 Td (44) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 445.73 Td (Loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 445.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 445.75 Td (550) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.00 445.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 445.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 224.00 445.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 245.60 445.73 Td (\(319) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 445.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 445.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 445.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 445.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.30 445.73 Td (13) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.00 445.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.25 445.73 Td (140) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.00 445.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 445.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.00 445.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 445.73 Td (\(103) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 445.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 445.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 483.60 445.73 Td (\(4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 445.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 445.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 445.73 Td (277) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 445.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 560.30 445.73 Td (236) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 432.73 Td (Mortgage servicing rights) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 432.75 Td (558) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 432.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 432.73 Td (54) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 432.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.30 432.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 432.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 432.73 Td (58) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 432.73 Td (\(18) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 432.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 432.73 Td (\(68) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 432.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 432.73 Td (584) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 432.73 Td (59) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 419.73 Td (Other) Tj ET Q q 0 0 0 rg BT 58.37 419.73 Td ( financial assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 411.73 Td (measur) Tj ET Q q 0 0 0 rg BT 63.26 411.73 Td (ed on a r) Tj ET Q q 0 0 0 rg BT 93.11 411.73 Td (ecurring) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 403.73 Td (basis) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 403.75 Td (16) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 403.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 403.73 Td (51) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 403.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.60 403.73 Td (\(1) Tj ET Q q 0 0 0 rg BT 324.26 403.73 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 403.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 403.73 Td (4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 403.73 Td (12) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 403.73 Td (\(12) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 403.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 403.73 Td (\(60) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 403.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 403.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 403.73 Td (63) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 390.73 Td (Liabilities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 377.73 Td (Inter) Tj ET Q q 0 0 0 rg BT 55.26 377.73 Td (est-bearing deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 377.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 377.75 Td (286) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.00 377.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 377.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 224.00 377.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 377.73 Td (14) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 377.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 377.73 Td (13) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 377.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 321.60 377.73 Td (\(1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 377.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.00 377.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 377.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.00 377.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.25 377.73 Td (215) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.00 377.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.30 377.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 377.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 483.60 377.73 Td (\(4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 377.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 377.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 377.73 Td (495) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 377.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 557.60 377.78 Td (\(355) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 377.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 364.73 Td (Federal funds pur) Tj ET Q q 0 0 0 rg BT 99.71 364.73 Td (chased) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 356.73 Td (and securities loaned and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 348.73 Td (sold under) Tj ET Q q 0 0 0 rg BT 74.16 348.73 Td ( agr) Tj ET Q q 0 0 0 rg BT 87.57 348.73 Td (eements to) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 340.73 Td (r) Tj ET Q q 0 0 0 rg BT 41.48 340.73 Td (epur) Tj ET Q q 0 0 0 rg BT 57.33 340.73 Td (chase) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 340.75 Td (726) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 211.60 340.73 Td (\(8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 218.30 340.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 340.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 290.30 340.73 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.30 340.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 340.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.25 340.73 Td (243) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 340.73 Td (\(31) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 340.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 340.73 Td (36) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 340.73 Td (983) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 340.73 Td (24) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 327.73 Td (T) Tj ET Q q 0 0 0 rg BT 43.04 327.73 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 314.75 Td (Securities sold, not yet) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 306.75 Td (purchased) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 306.75 Td (22) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.60 306.73 Td (\(454) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 218.30 306.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 306.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.30 306.73 Td (187) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.60 306.73 Td (\(172) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 306.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 306.73 Td (7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.25 306.73 Td (226) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 306.73 Td (\(39) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 306.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 306.73 Td (\(99) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 306.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 306.73 Td (586) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 557.60 306.78 Td (\(238) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 306.73 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 293.75 Td (Other trading liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.30 293.75 Td (5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 214.30 293.73 Td (5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 293.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 293.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.30 293.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 293.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 293.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.30 293.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 293.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 293.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 293.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 280.73 Td (Short-term borr) Tj ET Q q 0 0 0 rg BT 93.69 280.73 Td (owings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 280.75 Td (18) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 280.73 Td (53) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 280.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 280.73 Td (72) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.60 280.73 Td (\(46) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 280.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 280.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 280.73 Td (86) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.30 280.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 280.73 Td (\(40) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 280.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 280.73 Td (37) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 280.73 Td (25) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 267.73 Td (Long-term debt) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 145.30 267.75 Td (13,082) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.60 267.73 Td (\(182) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 218.30 267.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 267.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.30 267.73 Td (2,850) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.60 267.73 Td (\(3,514) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 267.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 267.73 Td (36) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 403.60 267.73 Td (\(18) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.30 267.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 267.73 Td (\(45) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 267.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 483.60 267.73 Td (\(3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 267.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 504.30 267.73 Td (12,570) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.60 267.78 Td (\(2,871) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 267.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 254.73 Td (Other) Tj ET Q q 0 0 0 rg BT 58.29 254.73 Td ( financial liabilities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 246.73 Td (measur) Tj ET Q q 0 0 0 rg BT 63.18 246.73 Td (ed on a r) Tj ET Q q 0 0 0 rg BT 93.04 246.73 Td (ecurring) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 238.73 Td (basis) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.30 238.75 Td (8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 238.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 253.60 238.73 Td (\(2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 238.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 290.30 238.73 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.60 238.73 Td (\(10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 238.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 238.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 410.30 238.73 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.30 238.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 483.60 238.73 Td (\(3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 238.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 238.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 565.60 238.78 Td (\(8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 238.73 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 215.00 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.33 215.00 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 215.00 Td (Changes in fair value for available-for) Tj ET Q q 0 0 0 rg BT 176.23 215.00 Td (-sale investments are recorded in ) Tj ET Q q 0 0 0 rg BT 283.08 215.00 Td (AOCI, unless related to other) Tj ET Q q 0 0 0 rg BT 376.89 215.00 Td (-than-temporary impairment, while gains and losses from ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 205.40 Td (sales are recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 121.52 205.40 Td (Realized gains \(losses\) fr) Tj ET Q q 0 0 0 rg BT 201.88 205.40 Td (om sales of investments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.21 205.40 Td ( in the Consolidated Statement of Income.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 195.80 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 195.80 Td (Unrealized gains \(losses\) on MSRs are recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 218.40 195.80 Td (Other r) Tj ET Q q 0 0 0 rg BT 241.88 195.80 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.08 195.80 Td ( in the Consolidated Statement of Income.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 186.20 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 186.20 Td (Represents the amount of total gains or losses for the period, included in earnings \(and ) Tj ET Q q 0 0 0 rg BT 332.60 186.20 Td (AOCI for changes in fair value of available-for) Tj ET Q q 0 0 0 rg BT 483.27 186.20 Td (-sale investments\), ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 176.60 Td (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 408.77 176.60 Td (December31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.64 176.60 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 167.00 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 167.00 Td (T) Tj ET Q q 0 0 0 rg BT 58.33 167.00 Td (otal Level3 trading derivative assets and liabilities have been netted in these tables for presentation purposes only) Tj ET Q q 0 0 0 rg BT 422.81 167.00 Td (.) 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0.9333333333333333 1 rg /GS0 gs 219.50 122.50 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 122.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 122.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 122.50 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 122.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 122.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 122.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 122.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 122.50 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 96.50 96.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 96.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 96.50 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 96.50 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 96.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 96.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 96.50 44.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 96.50 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 96.50 35.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 96.50 49.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 96.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 96.50 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 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3 M 371.5 75.5 m 410.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 62.5 m 410.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 75.5 m 445.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 62.5 m 445.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 75.5 m 494.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 62.5 m 494.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 75.5 m 530.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 62.5 m 530.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 75.5 m 576.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 62.5 m 576.5 62.5 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 /F1 8.00 Tf ET q 0 0 0 rg BT 176.30 746.75 Td (Net realized/unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 172.95 738.75 Td (gains \(losses\) included in) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.00 738.75 Td (T) Tj ET Q q 0 0 0 rg BT 282.75 738.75 Td (ransfers) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 738.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 738.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 738.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 738.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 738.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.45 741.75 Td (Unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 544.55 733.75 Td (gains) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.75 725.75 Td (\(losses\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.05 717.75 Td (still held) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 563.83 721.38 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 (2016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 179.05 725.75 Td (Principal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 174.35 717.75 Td (transactions) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 223.80 717.75 Td (Other) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 242.01 721.38 Td (\(1\)\(2\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 269.75 725.75 Td (into) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.85 717.75 Td (Level 3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.55 725.75 Td (out of) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.85 717.75 Td (Level 3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 333.00 717.75 Td (Purchases) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.15 717.75 Td (Issuances) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.05 717.75 Td (Sales) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 450.80 717.75 Td (Settlements) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.55 725.75 Td (Dec. 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.00 717.75 Td (2017) 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 borr) Tj ET Q q 0 0 0 rg BT 88.47 683.73 Td (owed and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 675.73 Td (pur) Tj ET Q q 0 0 0 rg BT 51.38 675.73 Td (chased under) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 667.73 Td (agr) Tj ET Q q 0 0 0 rg BT 50.48 667.73 Td (eements to r) Tj ET Q q 0 0 0 rg BT 92.09 667.73 Td (esell) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 667.75 Td (1,496) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.60 667.75 Td (\(281) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 667.75 Td (\)) 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 () 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 303.60 667.75 Td (\(1,198) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 667.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 667.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 667.75 Td ($) 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 484.60 667.75 Td (\(1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 667.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.30 667.75 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 569.30 667.75 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 654.73 Td (T) Tj ET Q q 0 0 0 rg BT 44.04 654.73 Td (rading 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 (T) Tj ET Q q 0 0 0 rg BT 50.04 633.73 Td (rading 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 153.30 596.75 Td (176) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 596.75 Td (23) 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 (176) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 596.75 Td (\(174) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 596.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 596.75 Td (463) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 596.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 596.75 Td (\(504) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 596.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 596.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 596.75 Td (163) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 569.30 596.75 Td (2) 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 153.30 583.75 Td (399) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 583.75 Td (86) 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 282.30 583.75 Td (95) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 583.75 Td (\(1) Tj ET Q q 0 0 0 rg BT 316.26 583.75 Td (18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 583.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 583.75 Td (126) 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 427.60 583.75 Td (\(424) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 583.75 Td (\)) 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 515.30 583.75 Td (164) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 583.75 Td (14) 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 (206) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 570.75 Td (15) 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 282.30 570.75 Td (69) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 570.75 Td (\(57) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 570.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 570.75 Td (450) 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 (\(626) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 570.75 Td (\)) 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 519.30 570.75 Td (57) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 566.60 570.80 Td (\(5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 570.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 557.73 Td (T) Tj ET Q q 0 0 0 rg BT 43.97 557.73 Td (otal 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 549.75 Td (781) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.30 549.75 Td (124) 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 278.30 549.75 Td (340) 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 309.60 549.75 Td (\(349) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 549.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.25 549.75 Td (1,039) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 549.75 Td () 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 (\(1,554) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 549.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 549.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 549.75 Td (384) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 549.75 Td (1) Tj ET Q q 0 0 0 rg BT 569.30 549.75 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 536.73 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 61.15 536.73 Td (T) Tj ET Q q 0 0 0 rg BT 66.12 536.73 Td (r) Tj ET Q q 0 0 0 rg BT 69.30 536.73 Td (easury and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 528.73 Td (federal agency securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 528.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 161.30 528.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 528.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 528.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.00 528.75 Td ($) 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 528.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 528.75 Td ($) 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 435.60 528.75 Td (\(1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 528.75 Td (\)) 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 (296) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 515.75 Td (28) 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 282.30 515.75 Td (24) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 515.75 Td (\(48) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 515.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 515.75 Td (161) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 396.60 515.75 Td (\(23) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 515.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 515.75 Td (\(164) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 515.75 Td (\)) 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 (274) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 569.30 515.75 Td (8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 502.73 Td (For) Tj ET Q q 0 0 0 rg BT 57.37 502.73 Td (eign government) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 157.30 502.75 Td (40) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 212.30 502.75 Td (1) 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 282.30 502.75 Td (89) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 502.75 Td (\(228) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 502.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 502.75 Td (291) 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 (\(177) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 502.75 Td (\)) 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 519.30 502.75 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 502.75 Td () 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 153.30 489.75 Td (324) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.30 489.75 Td (344) 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 (140) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 489.75 Td (\(185) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 489.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 489.75 Td (482) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.60 489.75 Td (\(8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 489.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 489.75 Td (\(828) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 489.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 489.75 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 489.75 Td (275) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 489.75 Td (81) 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 153.30 476.75 Td (127) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 476.75 Td (54) 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 (210) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 476.75 Td (\(58) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 476.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 476.75 Td (51) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.60 476.75 Td (\(3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 476.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 476.75 Td (\(261) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 476.75 Td (\)) 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 515.30 476.75 Td (120) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 476.75 Td () 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 (1,868) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.30 463.75 Td (284) 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 282.30 463.75 Td (44) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 463.75 Td (\(178) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 463.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.25 463.75 Td (1,457) 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 (\(1,885) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 463.75 Td (\)) 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 (1,590) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 463.75 Td (36) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 450.73 Td (Other) Tj ET Q q 0 0 0 rg BT 65.37 450.73 Td (tradingassets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 450.75 Td (2,814) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.30 450.75 Td (1) Tj ET Q q 0 0 0 rg BT 208.30 450.75 Td (17) 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 278.30 450.75 Td (474) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.60 450.75 Td (\(2,691) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 450.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.25 450.75 Td (2,195) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 450.75 Td (1) Tj ET Q q 0 0 0 rg BT 403.25 450.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.60 450.75 Td (\(2,285) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 450.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.60 450.75 Td (\(20) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 450.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 450.75 Td (615) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 450.75 Td (60) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 437.73 Td (T) Tj ET Q q 0 0 0 rg BT 43.97 437.73 Td (otal 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 429.75 Td (6,251) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.30 429.75 Td (952) 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 (1,321) 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 (\(3,737) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 429.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.25 429.75 Td (5,676) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 396.60 429.75 Td (\(23) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 429.75 Td (\)) 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 421.60 429.75 Td (\(7,155) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 429.75 Td (\)) 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 480.60 429.75 Td (\(1) Tj ET Q q 0 0 0 rg BT 487.26 429.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 429.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.30 429.75 Td (3,274) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.30 429.75 Td (196) 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 150.60 403.75 Td (\(663) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 403.75 Td (\)) 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 205.60 403.75 Td (\(44) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 403.75 Td (\)) 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 279.60 403.75 Td (\(28) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.30 403.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.30 403.75 Td (610) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 403.75 Td (154) 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 396.60 403.75 Td (\(13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 403.75 Td (\)) 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 (\(322) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 403.75 Td (\)) 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 (\(1) Tj ET Q q 0 0 0 rg BT 483.26 403.75 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 403.75 Td (\)) 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 (\(422) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 403.75 Td (\)) 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 565.30 403.75 Td (77) 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 (413) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.60 382.75 Td (\(438) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 382.75 Td (\)) 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 (54) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 382.75 Td (\(60) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 382.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 382.75 Td (33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 382.75 Td (14) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 431.60 382.75 Td (\(21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 382.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 382.75 Td (135) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 382.75 Td (130) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.60 382.80 Td (\(139) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 382.75 Td (\)) 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 144.60 369.75 Td (\(1,557) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 369.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.30 369.75 Td (129) 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 (\(159) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.30 369.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.30 369.75 Td (28) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 369.75 Td (184) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.60 369.75 Td (\(216) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 369.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 369.75 Td (\(333) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 369.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.60 369.75 Td (\(103) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 369.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.60 369.75 Td (\(2,027) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 369.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.60 369.80 Td (\(214) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 369.75 Td (\)) 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 (\(1,945) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 356.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.60 356.75 Td (\(384) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 356.75 Td (\)) 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 (77) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.30 356.75 Td (35) 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 (23) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.60 356.75 Td (\(3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 356.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 356.75 Td (336) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.60 356.75 Td (\(1,861) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 356.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.30 356.75 Td (149) 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 144.60 343.75 Td (\(1,001) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 343.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.60 343.75 Td (\(484) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 343.75 Td (\)) 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 279.60 343.75 Td (\(28) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.30 343.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.30 343.75 Td (18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 343.75 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 343.75 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.60 343.75 Td (\(6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 343.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 343.75 Td (680) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.60 343.75 Td (\(799) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 343.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.60 343.80 Td (\(169) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 343.75 Td (\)) 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 144.60 322.75 Td (\(4,753) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 322.75 Td (\)) 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 (\(1,221) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 322.75 Td (\)) 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 279.60 322.75 Td (\(84) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.30 322.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.30 322.75 Td (631) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 322.75 Td (377) 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 392.60 322.75 Td (\(176) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 322.75 Td (\)) 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 (\(685) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 322.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 322.75 Td (932) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.60 322.75 Td (\(4,979) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 322.75 Td (\)) 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 558.60 322.80 Td (\(296) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 322.75 Td (\)) 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 259.75 Td (101) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 259.75 Td ($) 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 259.75 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 259.75 Td (1) 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 313.60 259.75 Td (\(94) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 259.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 259.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 259.75 Td ($) 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.30 259.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 259.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.30 259.75 Td (24) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 566.60 259.80 Td (\(2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 259.75 Td (\)) 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 157.30 246.75 Td (50) 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 252.30 246.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 246.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 246.75 Td (\(47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 246.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 246.75 Td () 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 435.60 246.75 Td (\(5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 246.75 Td (\)) 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 519.30 246.75 Td () 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 248.25 233.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 233.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.30 233.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 233.75 Td (12) 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 431.60 233.75 Td (\(12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 233.75 Td (\)) 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 (3) 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 (T) Tj ET Q q 0 0 0 rg BT 49.97 220.73 Td (otal 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 204.75 Td (151) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 204.75 Td ($) 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 204.75 Td (18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 204.75 Td (4) 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 (\(141) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 204.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 204.75 Td (12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 204.75 Td ($) 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 431.60 204.75 Td (\(17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 204.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 204.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.30 204.75 Td (27) 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 (\(2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 204.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 191.73 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 61.15 191.73 Td (T) Tj ET Q q 0 0 0 rg BT 66.12 191.73 Td (r) Tj ET Q q 0 0 0 rg BT 69.30 191.73 Td (easury 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 161.30 183.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 183.75 Td ($) 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 519.30 183.75 Td () 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 (1,21) Tj ET Q q 0 0 0 rg BT 161.30 170.75 Td (1) 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 248.25 170.75 Td (58) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 170.75 Td (70) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 170.75 Td (\(517) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 170.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 170.75 Td (127) 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 (\(212) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 170.75 Td (\)) 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 515.30 170.75 Td (737) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 170.75 Td (44) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 157.73 Td (For) Tj ET Q q 0 0 0 rg BT 57.37 157.73 Td (eign government) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 157.75 Td (186) 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 248.25 157.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 157.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 157.75 Td (\(284) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 157.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 157.75 Td (523) 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 (\(335) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 157.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 157.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.30 157.75 Td (92) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 569.30 157.75 Td (1) 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 (31) Tj ET Q q 0 0 0 rg BT 161.30 144.75 Td (1) 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 252.30 144.75 Td (9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 144.75 Td (77) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 144.75 Td (\(47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 144.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 144.75 Td (227) 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 (\(506) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 144.75 Td (\)) 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 519.30 144.75 Td (71) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 144.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 132.58 Td (Marketable equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 124.63 Td (securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 161.30 126.75 Td (9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 126.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.60 126.75 Td (\(1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.30 126.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 126.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.30 126.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 126.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 126.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.60 126.75 Td (\(6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 126.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 126.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.30 126.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 126.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 113.73 Td (Asset-backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 113.75 Td (660) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 113.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.60 113.75 Td (\(89) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.30 113.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 113.75 Td (31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 113.75 Td (\(32) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 113.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 113.75 Td (883) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 113.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 113.75 Td (\(626) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 113.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 113.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 113.75 Td (827) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 113.75 Td (12) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 100.73 Td (Other) Tj ET Q q 0 0 0 rg BT 65.37 100.73 Td (debtsecurities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 157.30 100.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 100.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 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/F1 8.00 Tf ET q 0 0 0 rg BT 241.60 66.75 Td (\(175) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.30 66.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 66.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.30 66.75 Td (186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 66.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.60 66.75 Td (\(1,021) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 66.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 66.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.25 66.75 Td (1,812) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 66.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 66.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 66.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.60 66.75 Td (\(1,958) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 66.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 66.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.60 66.75 Td (\(268) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 66.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 66.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.30 66.75 Td (2,437) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 66.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 66.75 Td (99) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.90 51.00 Td (T) Tj ET Q q 0 0 0 rg BT 203.31 51.00 Td (able continues on the next page, including footnotes.) 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rg BT 282.00 738.75 Td (T) Tj ET Q q 0 0 0 rg BT 286.75 738.75 Td (ransfers) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.00 738.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 378.00 738.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 418.00 738.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.00 738.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 496.00 738.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.45 741.75 Td (Unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 543.55 733.75 Td (gains) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.75 725.75 Td (\(losses\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.05 717.75 Td (still held) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 562.83 721.38 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 (2016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 181.05 725.75 Td (Principal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 176.35 717.75 Td (transactions) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.80 717.75 Td (Other) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 245.01 721.38 Td (\(1\)\(2\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.75 725.75 Td (into) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 267.85 717.75 Td (Level 3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.55 725.75 Td (out of) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.85 717.75 Td (Level 3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 337.00 717.75 Td (Purchases) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.65 717.75 Td (Issuances) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.05 717.75 Td (Sales) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.80 717.75 Td (Settlements) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.55 725.75 Td (Dec. 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.00 717.75 Td (2017) 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 704.75 Td (568) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 173.00 704.75 Td ($) 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 704.75 Td (75) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 704.75 Td (80) 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 317.60 704.75 Td (\(16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.30 704.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.25 704.75 Td (188) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 378.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 404.25 704.75 Td () 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 (\(337) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.30 704.75 Td (\)) 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 483.60 704.75 Td (\(8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 704.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 496.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.30 704.75 Td (550) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 560.30 704.75 Td (21) Tj ET Q q 0 0 0 rg BT 568.30 704.75 Td (1) 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 (1,564) 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 252.30 691.75 Td (65) 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 404.25 691.75 Td (96) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.60 691.75 Td (\(1,057) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.30 691.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.60 691.75 Td (\(1) Tj ET Q q 0 0 0 rg BT 482.26 691.75 Td (10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 691.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.30 691.75 Td (558) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 564.30 691.75 Td (74) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 678.73 Td (Other) Tj ET Q q 0 0 0 rg BT 58.37 678.73 Td ( financial assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 670.73 Td (measur) Tj ET Q q 0 0 0 rg BT 63.26 670.73 Td (ed on a r) Tj ET Q q 0 0 0 rg BT 93.11 670.73 Td (ecurring) 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 159.30 662.75 Td (34) 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 245.60 662.75 Td (\(128) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.30 662.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 662.75 Td (10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.60 662.75 Td (\(8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.30 662.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.30 662.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.25 662.75 Td (318) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.60 662.75 Td (\(14) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.30 662.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.60 662.75 Td (\(197) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 662.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 518.30 662.75 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 557.60 662.80 Td (\(152) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 572.30 662.75 Td (\)) 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 (Inter) Tj ET Q q 0 0 0 rg BT 55.26 636.73 Td (est-bearing deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 636.75 Td (293) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 173.00 636.75 Td ($) 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 636.75 Td (25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 636.75 Td (40) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.30 636.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.00 636.75 Td ($) 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 ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.30 636.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 418.00 636.75 Td ($) 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 479.60 636.75 Td (\(24) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 636.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 496.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.30 636.75 Td (286) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 564.30 636.75 Td (22) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 624.58 Td (Federal funds pur) Tj ET Q q 0 0 0 rg BT 99.71 624.58 Td (chased) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 616.58 Td (and securities loaned and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 608.58 Td (sold under) Tj ET Q q 0 0 0 rg BT 74.16 608.58 Td ( agr) Tj ET Q q 0 0 0 rg BT 87.57 608.58 Td (eements to) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 600.63 Td (r) Tj ET Q q 0 0 0 rg BT 41.48 600.63 Td (epur) Tj ET Q q 0 0 0 rg BT 57.33 600.63 Td (chase) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 602.75 Td (849) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.30 602.75 Td (14) 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 () 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 () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 404.25 602.75 Td (36) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 602.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.60 602.75 Td (\(145) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 602.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.30 602.75 Td (726) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 564.30 602.75 Td (10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 589.73 Td (T) Tj ET Q q 0 0 0 rg BT 43.04 589.73 Td (rading 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 149.30 570.75 Td (1,177) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 206.30 570.75 Td (385) 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 (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 570.75 Td (\(796) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.30 570.75 Td (\)) 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 (17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 570.75 Td (277) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.60 570.75 Td (\(290) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 570.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 518.30 570.75 Td (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 568.30 570.75 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 557.75 Td (Other trading liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.30 557.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.30 557.75 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 290.30 557.75 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.30 557.75 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 () 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 482.30 557.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.30 557.75 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 564.30 557.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 544.73 Td (Short-term borr) Tj ET Q q 0 0 0 rg BT 93.69 544.73 Td (owings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 544.75 Td (42) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.30 544.75 Td (32) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 544.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.30 544.75 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.60 544.75 Td (\(7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.30 544.75 Td (\)) 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 404.25 544.75 Td (31) 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 479.60 544.75 Td (\(20) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 544.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 518.30 544.75 Td (18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.60 544.80 Td (\(3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 572.30 544.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 531.73 Td (Long-term debt) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.30 531.75 Td (9,744) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 197.60 531.75 Td (\(1,083) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 218.30 531.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 531.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 531.75 Td (1,251) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 307.60 531.75 Td (\(1,836) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.30 531.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 531.75 Td (44) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.25 531.75 Td (2,712) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 531.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 531.75 Td (84) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.30 531.75 Td (13,082) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.60 531.80 Td (\(1,554) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 572.30 531.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 519.58 Td (Other) Tj ET Q q 0 0 0 rg BT 58.29 519.58 Td ( financial liabilities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 511.58 Td (measur) Tj ET Q q 0 0 0 rg BT 63.18 511.58 Td (ed on a r) Tj ET Q q 0 0 0 rg BT 93.04 511.58 Td (ecurring) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 503.58 Td (basis) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.30 504.75 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.30 504.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 504.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.30 504.75 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.30 504.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 504.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.30 504.75 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.60 504.75 Td (\(1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.30 504.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.60 504.75 Td (\(9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 504.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.30 504.75 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.60 504.80 Td (\(1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 572.30 504.75 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 481.00 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.33 481.00 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 481.00 Td (Changes in fair value of available-for) Tj ET Q q 0 0 0 rg BT 173.57 481.00 Td (-sale investments are recorded in ) Tj ET Q q 0 0 0 rg BT 280.41 481.00 Td (AOCI, unless related to other) Tj ET Q q 0 0 0 rg BT 374.23 481.00 Td (-than-temporary impairment, while gains and losses from sales ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 471.40 Td (are recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 103.97 471.40 Td (Realized gains \(losses\) fr) Tj ET Q q 0 0 0 rg BT 184.33 471.40 Td (om sales of investments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 259.66 471.40 Td ( in the Consolidated Statement of Income.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 461.80 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 461.80 Td (Unrealized gains \(losses\) on MSRs are recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 218.40 461.80 Td (Other r) Tj ET Q q 0 0 0 rg BT 241.88 461.80 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.08 461.80 Td ( in the Consolidated Statement of Income.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 452.20 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 452.20 Td (Represents the amount of total gains or losses for the period, included in earnings \(and ) Tj ET Q q 0 0 0 rg BT 332.60 452.20 Td (AOCI for changes in fair value of available-for) Tj ET Q q 0 0 0 rg BT 483.27 452.20 Td (-sale investments\), ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 442.60 Td (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 408.77 442.60 Td (December31, 2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.64 442.60 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 433.00 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 433.00 Td (T) Tj ET Q q 0 0 0 rg BT 58.33 433.00 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 398.15 433.00 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 411.40 Td (Level3 Fair) Tj ET Q q 0 0 0 rg BT 87.47 411.40 Td ( ) Tj ET Q q 0 0 0 rg BT 89.79 411.40 Td (V) Tj ET Q q 0 0 0 rg BT 96.09 411.40 Td (alue Rollforward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 399.40 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 36.00 387.40 Td (period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.05 387.40 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.63 387.40 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.41 387.40 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.99 387.40 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 369.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 369.40 Td (T) Tj ET Q q 0 0 0 rg BT 59.76 369.40 Td (ransfers of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 104.74 369.40 Td (Equity Contract Derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.99 369.40 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.82 369.40 Td ($1.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.93 369.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 357.40 Td (from Level 3 to Level 2 related to equity derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 345.40 Td (where the unobservable components were deemed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 333.40 Td (insignificant.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 321.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 321.40 Td (T) Tj ET Q q 0 0 0 rg BT 59.76 321.40 Td (ransfers of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 104.74 321.40 Td (Commodity Contract Derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.00 321.40 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.83 321.40 Td ($2.2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 309.40 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.11 309.40 Td ( from Level 3 to Level 2 related to commodity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 297.40 Td (derivatives where the unobservable component of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 285.40 Td (derivatives were deemed insignificant.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 273.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 273.40 Td (T) Tj ET Q q 0 0 0 rg BT 59.76 273.40 Td (ransfers of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 104.74 273.40 Td (Long-T) Tj ET Q q 0 0 0 rg BT 133.27 273.40 Td (erm Debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.26 273.40 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.09 273.40 Td ($2.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.21 273.40 Td ( from Level 2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 261.40 Td (to Level 3, and of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.31 261.40 Td ($3.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.42 261.40 Td ( from Level 3 to Level 2, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 249.40 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 54.00 237.40 Td (significance of unobservable inputs as well as certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 225.40 Td (underlying market inputs becoming less or more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 213.40 Td (observable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 189.40 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 36.00 177.40 Td (period December 31, 2016 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.41 177.40 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.99 177.40 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 159.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 159.40 Td (T) Tj ET Q q 0 0 0 rg BT 59.76 159.40 Td (ransfers of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 104.74 159.40 Td (Federal funds sold and securities borr) Tj ET Q q 0 0 0 rg BT 257.97 159.40 Td (owed ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 147.40 Td (or pur) Tj ET Q q 0 0 0 rg BT 78.91 147.40 Td (chased under agr) Tj ET Q q 0 0 0 rg BT 148.53 147.40 Td (eements to r) Tj ET Q q 0 0 0 rg BT 197.04 147.40 Td (esell ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.86 147.40 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.69 147.40 Td ($1.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.81 147.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 135.40 Td (from Level 3 to Level 2, related to the significance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 123.40 Td (unobservable inputs as well as certain underlying market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 111.40 Td (inputs becoming more observable and shortening of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 99.40 Td (remaining tenor of certain reverse repos. ) Tj ET Q q 0 0 0 rg BT 218.47 99.40 Td (There is more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 87.40 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 75.40 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 63.40 Td (five years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 411.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 411.40 Td (T) Tj ET Q q 0 0 0 rg BT 347.76 411.40 Td (ransfers of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 392.74 411.40 Td (Other trading assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.41 411.40 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.74 411.40 Td ($2.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.85 411.40 Td ( from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 399.40 Td (Level 3 to Level 2, related to trading loans, reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 387.40 Td (changes in the volume of market quotations changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 375.40 Td (the significance of unobservable inputs for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 363.40 Td (portfolios of trading loans economically hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 351.40 Td (derivatives, and certain underlying market inputs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 339.40 Td (becoming more observable as a result of secondary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 327.40 Td (market transactions for portfolios of residential mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 315.40 Td (loans with similar characteristics.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 303.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 303.40 Td (T) Tj ET Q q 0 0 0 rg BT 347.76 303.40 Td (ransfers of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 392.74 303.40 Td (Long-term debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.68 303.40 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.01 303.40 Td ($1.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.12 303.40 Td ( from Level 2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 291.40 Td (to Level 3, and of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.31 291.40 Td ($1.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.42 291.40 Td ( from Level 3 to Level 2, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 279.40 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 342.00 267.40 Td (significance of unobservable inputs as well as certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 255.40 Td (underlying market inputs becoming less or more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 243.40 Td (observable.) 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 (256) 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 BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 730.25 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 95.17 730.25 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 Level 3 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 (instruments and derivatives of varying complexity) Tj ET Q q 0 0 0 rg BT 236.69 706.25 Td (. ) Tj ET Q q 0 0 0 rg BT 241.51 706.25 Td (The) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (valuation methodologies used to measure the fair value of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (these 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 Level 3 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 324.00 742.10 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 324.00 730.10 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 324.00 718.10 Td (available does not reflect suf) Tj ET Q q 0 0 0 rg BT 438.77 718.10 Td (ficient trading activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 706.10 Td (The following tables present the valuation techniques ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 694.10 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 324.00 682.10 Td (significant unobservable inputs used in Level3 fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 670.10 Td (measurements. Dif) Tj ET Q q 0 0 0 rg BT 399.35 670.10 Td (ferences between this table and amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 658.10 Td (presented in the Level3 Fair ) Tj ET Q q 0 0 0 rg BT 441.00 658.10 Td (V) Tj ET Q q 0 0 0 rg BT 447.12 658.10 Td (alue Rollforward table ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 646.10 Td (represent individually immaterial items that have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 634.10 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 324.00 622.10 Td (those listed.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 568.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 568.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 568.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 568.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 568.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 568.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 568.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 517.75 131.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 517.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 517.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 517.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 517.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 517.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 517.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 491.75 131.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 491.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 491.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 491.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 491.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 491.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 491.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 446.75 131.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 446.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 446.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 446.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 446.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 446.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 446.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 420.75 131.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 420.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 420.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 420.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 420.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 420.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 420.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 394.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 394.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 394.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 394.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 394.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 394.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 394.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 366.75 131.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 366.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 366.75 85.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 366.75 96.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 366.75 47.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 366.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 366.75 67.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 330.75 131.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 330.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 330.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 330.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 330.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 330.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 330.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 304.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 304.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 304.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 304.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 304.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 304.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 304.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 276.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 276.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 276.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 276.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 276.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 276.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 276.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 242.75 131.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 242.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 242.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 242.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 242.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 242.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 242.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 215.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 215.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 215.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 215.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 215.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 215.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 215.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 187.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 187.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 187.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 187.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 187.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 187.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 187.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 160.75 131.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 160.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 160.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 160.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 160.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 160.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 160.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 124.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 124.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 124.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 124.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 124.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 124.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 124.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 96.75 131.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 96.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 96.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 96.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 96.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 96.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 96.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 69.75 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 69.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 69.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 69.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 69.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 69.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 69.75 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 36.5 568.75 m 167.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 568.75 m 220.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 568.75 m 305.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 568.75 m 401.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 568.75 m 448.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 568.75 m 509.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 568.75 m 576.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 554.75 m 167.5 554.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 554.75 m 220.5 554.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 568.75 m 305.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 554.75 m 305.5 554.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 554.75 m 401.5 554.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 554.75 m 448.5 554.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 554.75 m 509.5 554.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 554.75 m 576.5 554.75 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 167.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 504.75 m 220.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 504.75 m 305.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 504.75 m 401.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 504.75 m 448.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 504.75 m 509.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 504.75 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 509.5 478.75 m 576.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 478.75 m 167.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 478.75 m 220.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 478.75 m 305.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 478.75 m 401.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 478.75 m 448.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 478.75 m 509.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 478.75 m 576.5 478.75 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 167.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 433.75 m 576.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 433.75 m 220.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 433.75 m 305.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 433.75 m 401.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 433.75 m 448.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 433.75 m 509.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 433.75 m 576.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 407.75 m 167.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 394.75 m 167.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 407.75 m 220.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 407.75 m 305.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 407.75 m 401.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 407.75 m 448.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 394.75 m 448.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 407.75 m 509.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 394.75 m 509.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 407.75 m 576.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 394.75 m 576.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 394.75 m 220.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 394.75 m 305.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 394.75 m 401.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 317.75 m 167.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 304.75 m 167.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 317.75 m 220.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 304.75 m 220.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 317.75 m 305.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 304.75 m 305.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 317.75 m 401.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 304.75 m 401.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 317.75 m 448.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 304.75 m 448.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 317.75 m 509.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 304.75 m 509.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 317.75 m 576.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 304.75 m 576.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 304.75 m 401.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 262.75 m 167.5 262.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 262.75 m 401.5 262.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 262.75 m 448.5 262.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 262.75 m 509.5 262.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 262.75 m 576.5 262.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 262.75 m 220.5 262.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 262.75 m 305.5 262.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 262.75 m 401.5 262.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 262.75 m 448.5 262.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 262.75 m 509.5 262.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 262.75 m 576.5 262.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 173.75 m 167.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 173.75 m 401.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 173.75 m 448.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 173.75 m 509.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 173.75 m 576.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 173.75 m 220.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 173.75 m 305.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 173.75 m 401.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 173.75 m 448.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 173.75 m 509.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 173.75 m 576.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 96.75 m 167.5 96.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 96.75 m 220.5 96.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 96.75 m 305.5 96.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 96.75 m 401.5 96.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 96.75 m 448.5 96.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 96.75 m 509.5 96.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 96.75 m 576.5 96.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 55.75 m 167.5 55.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 55.75 m 220.5 55.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 55.75 m 305.5 55.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 55.75 m 401.5 55.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 55.75 m 448.5 55.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 55.75 m 509.5 55.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 55.75 m 576.5 55.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 573.00 Td (As of December 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.50 582.35 Td (Fair) Tj ET Q q 0 0 0 rg BT 186.83 582.35 Td ( value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 209.58 586.43 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 172.70 573.21 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 174.95 573.21 Td (\(in millions\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.25 573.20 Td (Methodology) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.20 573.20 Td (Input) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.15 573.20 Td (Low) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 426.15 577.28 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.15 573.20 Td (High) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 481.16 577.28 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.20 582.20 Td (W) Tj ET Q q 0 0 0 rg BT 532.70 582.20 Td (eighted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.05 573.20 Td (average) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 554.03 577.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 559.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 170.00 559.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 559.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 559.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.00 559.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 559.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 559.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 546.15 Td (Federal funds sold and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 537.15 Td (securities borr) Tj ET Q q 0 0 0 rg BT 103.65 537.15 Td (owed and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 528.15 Td (pur) Tj ET Q q 0 0 0 rg BT 61.92 528.15 Td (chased under) Tj ET Q q 0 0 0 rg BT 113.02 528.15 Td ( agr) Tj ET Q q 0 0 0 rg BT 128.10 528.15 Td (eements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 519.20 Td (to r) Tj ET Q q 0 0 0 rg BT 61.66 519.20 Td (esell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 522.20 Td (1) Tj ET Q q 0 0 0 rg BT 208.00 522.20 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 522.21 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 522.21 Td (Interest rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 522.20 Td (2.52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 522.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 522.20 Td (7.43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 522.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 522.20 Td (5.08) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 522.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 496.15 Td (Mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 496.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 496.15 Td (313) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 496.01 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 496.01 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 496.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 496.15 Td (1) Tj ET Q q 0 0 0 rg BT 420.25 496.15 Td (1.25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 496.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 496.15 Td (1) Tj ET Q q 0 0 0 rg BT 479.75 496.15 Td (10.35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 496.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 496.15 Td (90.07) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 483.15 Td (198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 483.01 Td (Y) Tj ET Q q 0 0 0 rg BT 229.25 483.01 Td (ield analysis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 483.01 Td (Y) Tj ET Q q 0 0 0 rg BT 314.25 483.01 Td (ield) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 483.15 Td (2.27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 483.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 483.15 Td (8.70) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 483.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 483.15 Td (3.74) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 483.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 469.20 Td (State and municipal, for) Tj ET Q q 0 0 0 rg BT 131.84 469.20 Td (eign) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 460.20 Td (government, corporate and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 451.20 Td (other) Tj ET Q q 0 0 0 rg BT 68.33 451.20 Td ( debt securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 451.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.75 451.20 Td (1,212) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 451.21 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 451.21 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 451.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 451.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 451.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 451.20 Td (103.75) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 451.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 451.20 Td (91.39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 438.15 Td (938) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 438.01 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 438.01 Td (Credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.20 438.15 Td (35 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.70 438.15 Td (446 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.70 438.15 Td (238 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 425.15 Td (Equity securities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 103.25 429.23 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 425.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 425.15 Td (108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 425.01 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 425.01 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 425.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 425.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 425.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 425.15 Td (20,255.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 425.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.50 425.15 Td (1,247.85) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.00 412.15 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 412.01 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 412.01 Td (W) Tj ET Q q 0 0 0 rg BT 316.00 412.01 Td (AL) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 412.15 Td (1.47 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.50 412.15 Td (1.47 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.50 412.15 Td (1.47 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 399.15 Td (Asset-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 399.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.75 399.15 Td (1,608) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 399.01 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 399.01 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 399.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 399.15 Td (2.75) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 399.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 399.15 Td (101.03) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 399.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 399.15 Td (66.18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 385.20 Td (Non-marketable equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 385.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 385.20 Td (293) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 385.21 Td (Comparables analysis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 385.21 Td (Discount to price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 385.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 385.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 385.20 Td (100.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 385.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 385.20 Td (0.66) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 385.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 371.20 Td (255) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 371.21 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 371.21 Td (EBITDA) Tj ET Q q 0 0 0 rg BT 340.75 371.21 Td ( multiples) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 371.20 Td (5.00x) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 371.20 Td (34.00x) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 371.20 Td (9.73x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 357.21 Td (Net operating income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 348.21 Td (multiple) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 348.20 Td (24.70x) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 348.20 Td (24.70x) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 348.20 Td (24.70x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 335.01 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 335.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 335.15 Td (2.38) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 335.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.50 335.15 Td (1,073.80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 335.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.25 335.15 Td (420.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 322.01 Td (Revenue multiple) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 322.15 Td (2.25x) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 322.15 Td (16.50x) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 322.15 Td (7.06x) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 309.15 Td (Derivativesgr) Tj ET Q q 0 0 0 rg BT 99.82 309.15 Td (oss) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 111.32 313.23 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 295.20 Td (Inter) Tj ET Q q 0 0 0 rg BT 58.41 295.20 Td (est rate contracts \(gr) Tj ET Q q 0 0 0 rg BT 137.96 295.20 Td (oss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 295.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.75 295.20 Td (3,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 295.21 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 295.21 Td (Mean reversion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 295.20 Td (1.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 295.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 295.20 Td (20.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 295.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 295.20 Td (10.50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 295.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 281.21 Td (Inflation volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 281.20 Td (0.22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 281.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 281.20 Td (2.65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 281.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 281.20 Td (0.77) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 281.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 267.21 Td (IR normal volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 267.20 Td (0.16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 267.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 267.20 Td (86.31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 267.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 267.20 Td (56.24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 267.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 254.15 Td (For) Tj ET Q q 0 0 0 rg BT 52.91 254.15 Td (eign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 245.20 Td (\(gr) Tj ET Q q 0 0 0 rg BT 50.41 245.20 Td (oss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 247.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 247.20 Td (626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 247.21 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 254.01 Td (Foreign exchange \(FX\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.00 245.06 Td (volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 247.20 Td (3.15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 247.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 247.20 Td (17.35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 247.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 247.20 Td (1) Tj ET Q q 0 0 0 rg BT 548.25 247.20 Td (1.37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 247.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.00 234.15 Td (73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 234.01 Td (Cash flow) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 234.01 Td (IR-IR correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.75 234.15 Td (\(51.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 234.15 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 234.15 Td (40.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 234.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 234.15 Td (32.69) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 234.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 220.21 Td (IR-FX correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 220.20 Td (40.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 220.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 220.20 Td (60.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 220.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 220.20 Td (50.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 220.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 206.21 Td (Credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.20 206.20 Td (39 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.70 206.20 Td (676 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.70 206.20 Td (423 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 192.21 Td (IR basis) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.25 192.20 Td (\(0.65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 192.20 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 192.20 Td (0.1) Tj ET Q q 0 0 0 rg BT 495.50 192.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 192.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.25 192.20 Td (\(0.17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 192.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 178.21 Td (Y) Tj ET Q q 0 0 0 rg BT 314.25 178.21 Td (ield) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 178.20 Td (6.98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 178.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 178.20 Td (7.48) 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 548.25 178.20 Td (7.23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 178.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 165.15 Td (Equity contracts \(gr) Tj ET Q q 0 0 0 rg BT 116.33 165.15 Td (oss\)) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 130.83 169.23 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 165.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.75 165.15 Td (1,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 165.01 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 165.01 Td (Equity volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 165.15 Td (3.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 165.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 165.15 Td (78.39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 165.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 165.15 Td (37.53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 165.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 152.01 Td (Forward price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 152.15 Td (64.66) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 152.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 152.15 Td (144.45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 152.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 152.15 Td (98.55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 152.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 138.21 Td (Equity-Equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 129.21 Td (correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.75 129.20 Td (\(81.39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 129.20 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 129.20 Td (100.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 129.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 129.20 Td (35.49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 129.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 115.21 Td (Equity-FX correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.75 115.20 Td (\(86.27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 115.20 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 115.20 Td (70.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 115.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.25 115.20 Td (\(1.20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 115.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 101.21 Td (W) Tj ET Q q 0 0 0 rg BT 316.00 101.21 Td (AL) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 101.20 Td (1.47 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.50 101.20 Td (1.47 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.50 101.20 Td (1.47 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 88.15 Td (Commodity contracts \(gr) Tj ET Q q 0 0 0 rg BT 135.81 88.15 Td (oss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 88.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.75 88.15 Td (1,552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 88.01 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 88.01 Td (Forward price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 88.15 Td (15.30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 88.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 88.15 Td (585.07) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 88.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.25 88.15 Td (145.08) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 88.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 74.21 Td (Commodity volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 74.20 Td (8.92) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 74.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 74.20 Td (59.86) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 74.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 74.20 Td (20.34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 74.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 60.21 Td (Commodity correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.75 60.20 Td (\(51.90) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 60.20 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 60.20 Td (92.1) Tj ET Q q 0 0 0 rg BT 495.50 60.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 60.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 60.20 Td (40.71) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 60.20 Td (%) 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 (257) 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 167.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 724.5 m 220.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 724.5 m 305.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 724.5 m 401.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 724.5 m 448.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 724.5 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, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.50 738.10 Td (Fair) Tj ET Q q 0 0 0 rg BT 186.83 738.10 Td ( value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 209.58 742.18 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 172.70 728.96 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 174.95 728.96 Td (\(in millions\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.25 728.95 Td (Methodology) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.20 728.95 Td (Input) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.15 728.95 Td (Low) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 426.15 733.03 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg 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/GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 659.5 m 220.5 659.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 659.5 m 305.5 659.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 659.5 m 401.5 659.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 659.5 m 448.5 659.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 659.5 m 509.5 659.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 659.5 m 576.5 659.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 620.5 m 167.5 620.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 620.5 m 220.5 620.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 620.5 m 305.5 620.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 620.5 m 401.5 620.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 620.5 m 448.5 620.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 620.5 m 509.5 620.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 620.5 m 576.5 620.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 594.5 m 448.5 594.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 594.5 m 509.5 594.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 594.5 m 576.5 594.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 594.5 m 167.5 594.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 581.5 m 167.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 594.5 m 220.5 594.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 581.5 m 220.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 594.5 m 305.5 594.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 581.5 m 305.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 594.5 m 401.5 594.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 581.5 m 401.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 594.5 m 448.5 594.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 581.5 m 448.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 594.5 m 509.5 594.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 581.5 m 509.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 594.5 m 576.5 594.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 581.5 m 576.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 540.5 m 167.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 540.5 m 220.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 540.5 m 305.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 540.5 m 401.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 540.5 m 448.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 540.5 m 509.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 540.5 m 576.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 502.5 m 167.5 502.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 502.5 m 220.5 502.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 502.5 m 305.5 502.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 502.5 m 401.5 502.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 502.5 m 448.5 502.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 502.5 m 509.5 502.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 502.5 m 576.5 502.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 488.5 m 167.5 488.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 488.5 m 220.5 488.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 488.5 m 305.5 488.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 488.5 m 401.5 488.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 488.5 m 448.5 488.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 488.5 m 509.5 488.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 488.5 m 576.5 488.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 488.5 m 220.5 488.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 488.5 m 305.5 488.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 488.5 m 401.5 488.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 488.5 m 448.5 488.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 488.5 m 509.5 488.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 488.5 m 576.5 488.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 360.5 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 305.5 360.5 m 401.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 360.5 m 448.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 360.5 m 509.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 360.5 m 576.5 360.5 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 220.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 360.5 m 305.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 360.5 m 401.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 360.5 m 448.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 360.5 m 509.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 360.5 m 576.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 295.5 m 167.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 295.5 m 220.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 295.5 m 305.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 295.5 m 401.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 295.5 m 448.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 295.5 m 509.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 295.5 m 576.5 295.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 715.90 Td (Cr) Tj ET Q q 0 0 0 rg BT 49.41 715.90 Td (edit derivatives \(gr) Tj ET Q q 0 0 0 rg BT 121.73 715.90 Td (oss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 715.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.75 715.90 Td (1,089) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 715.76 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 715.76 Td (Credit correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 715.90 Td (5.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 715.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 715.90 Td (85.00) 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 (41.06) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 715.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 702.90 Td (701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 702.76 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 702.76 Td (Upfront points) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 702.90 Td (7.41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 702.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 702.90 Td (99.04) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 702.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 702.90 Td (58.95) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 702.90 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 689.76 Td (Credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.70 689.90 Td (2 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.95 689.90 Td (1,127 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.20 689.90 Td (87 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 676.76 Td (Recovery rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 676.90 Td (5.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 676.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 676.90 Td (65.00) 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 (46.40) 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 308.00 663.76 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 663.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 663.90 Td (16.59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 663.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 663.90 Td (98.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 663.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 663.90 Td (81.19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 650.90 Td (Loans and leases) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 650.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 650.90 Td (248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 650.76 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 650.76 Td (Credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.70 650.90 Td (138 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.70 650.90 Td (255 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.70 650.90 Td (147 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.00 637.90 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 637.76 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 637.76 Td (Y) Tj ET Q q 0 0 0 rg BT 314.25 637.76 Td (ield) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 637.90 Td (0.30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 637.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 637.90 Td (0.47) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 637.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 637.90 Td (0.32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 637.90 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 624.76 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 624.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 624.90 Td (55.83) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 624.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 624.90 Td (1) Tj ET Q q 0 0 0 rg BT 479.75 624.90 Td (10.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 624.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 624.90 Td (92.40) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 611.90 Td (Mortgage servicing rights) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 611.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 611.90 Td (501) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 611.76 Td (Cash flow) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 611.76 Td (Y) Tj ET Q q 0 0 0 rg BT 314.25 611.76 Td (ield) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 611.90 Td (4.60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 611.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 611.90 Td (12.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 611.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 611.90 Td (7.79) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 611.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.00 598.90 Td (84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 598.76 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 598.76 Td (W) Tj ET Q q 0 0 0 rg BT 316.00 598.76 Td (AL) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 598.90 Td (3.55 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.50 598.90 Td (7.45 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.50 598.90 Td (6.39 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 585.90 Td (Liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 572.90 Td (Inter) Tj ET Q q 0 0 0 rg BT 58.41 572.90 Td (est-bearing deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 572.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 572.90 Td (495) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 572.76 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 572.76 Td (Mean reversion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 572.90 Td (1.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 572.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 572.90 Td (20.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 572.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 572.90 Td (10.50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 572.90 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 558.96 Td (Forward price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 558.95 Td (64.66) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 558.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 558.95 Td (144.45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 558.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 558.95 Td (98.55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 558.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 544.96 Td (Equity volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 544.95 Td (3.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 544.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 544.95 Td (78.39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 544.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 544.95 Td (43.49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 544.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 531.90 Td (Federal funds pur) Tj ET Q q 0 0 0 rg BT 108.43 531.90 Td (chased and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 522.90 Td (securities loaned and sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 513.90 Td (under) Tj ET Q q 0 0 0 rg BT 70.92 513.90 Td ( agr) Tj ET Q q 0 0 0 rg BT 86.01 513.90 Td (eements to) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 504.95 Td (r) Tj ET Q q 0 0 0 rg BT 51.91 504.95 Td (epur) Tj ET Q q 0 0 0 rg BT 69.75 504.95 Td (chase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 506.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 506.95 Td (983) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 506.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 506.96 Td (Interest rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 506.95 Td (2.52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 506.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 506.95 Td (3.21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 506.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 506.95 Td (2.87) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 506.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 492.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.33 492.95 Td (rading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 479.90 Td (Securities sold, not yet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 470.90 Td (pur) Tj ET Q q 0 0 0 rg BT 58.84 470.90 Td (chased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 470.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.50 470.95 Td (509) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 470.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 470.96 Td (Forward price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 470.95 Td (15.30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 470.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 470.95 Td (585.07) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 470.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.25 470.95 Td (105.69) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 470.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.00 456.95 Td (77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 456.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 456.96 Td (Equity volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 456.95 Td (3.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 456.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 456.95 Td (78.39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 456.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 456.95 Td (43.49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 456.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 443.76 Td (Equity-Equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 434.76 Td (correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.75 434.95 Td (\(81.39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 434.95 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 434.95 Td (100.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 434.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 434.95 Td (34.04) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 434.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 420.96 Td (Equity-FX correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.75 420.95 Td (\(86.27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 420.95 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 420.95 Td (70.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 420.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.25 420.95 Td (\(1.20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 420.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 406.96 Td (Commodity volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 406.95 Td (8.92) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 406.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 406.95 Td (59.86) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 406.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 406.95 Td (20.34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 406.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 392.96 Td (Commodity correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.75 392.95 Td (\(51.90) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 392.95 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 392.95 Td (92.1) Tj ET Q q 0 0 0 rg BT 495.50 392.95 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 392.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 392.95 Td (40.71) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 392.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 378.96 Td (Equity-IR correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.75 378.95 Td (\(40.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 378.95 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 378.95 Td (70.37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 378.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 378.95 Td (30.80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 378.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 350.95 Td (Short-term borr) Tj ET Q q 0 0 0 rg BT 101.56 350.95 Td (owings and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 341.95 Td (long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 341.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.25 341.95 Td (12,289) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 341.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 341.96 Td (Mean reversion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 341.95 Td (1.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 341.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 341.95 Td (20.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 341.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 341.95 Td (10.50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 341.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 327.96 Td (IR normal volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 327.95 Td (0.16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 327.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 327.95 Td (86.31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 327.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 327.95 Td (56.61) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 327.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 313.96 Td (Forward price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 313.95 Td (64.66) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 313.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 313.95 Td (144.45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 313.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 313.95 Td (98.58) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 313.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 299.96 Td (Equity volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 299.95 Td (3.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 299.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 299.95 Td (78.39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 299.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 299.95 Td (43.24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 299.95 Td (%) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 254.50 129.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 254.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 254.50 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 254.50 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 254.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 254.50 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 254.50 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 205.50 129.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 205.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 205.50 83.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 205.50 95.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 205.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 205.50 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 205.50 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 178.50 129.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 178.50 57.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 178.50 83.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 178.50 95.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 178.50 49.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 178.50 60.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 178.50 67.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 133.50 129.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 133.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 133.50 83.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 133.50 95.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 133.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 133.50 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 133.50 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 107.50 129.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 107.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 107.50 83.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 107.50 95.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 107.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 107.50 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 107.50 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 81.50 129.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 81.50 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 81.50 83.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 81.50 95.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 81.50 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 81.50 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 81.50 67.00 -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 36.5 254.5 m 165.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 254.5 m 222.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 254.5 m 305.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 254.5 m 400.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 254.5 m 449.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 254.5 m 509.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 254.5 m 576.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 254.5 m 165.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 240.5 m 165.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 254.5 m 222.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 240.5 m 222.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 254.5 m 305.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 240.5 m 305.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 254.5 m 400.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 240.5 m 400.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 254.5 m 449.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 240.5 m 449.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 254.5 m 509.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 240.5 m 509.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 254.5 m 576.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 240.5 m 576.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 205.5 m 165.5 205.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 240.5 m 222.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 205.5 m 222.5 205.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 240.5 m 305.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 205.5 m 305.5 205.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 240.5 m 400.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 205.5 m 400.5 205.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 240.5 m 449.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 205.5 m 449.5 205.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 240.5 m 509.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 205.5 m 509.5 205.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 240.5 m 576.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 205.5 m 576.5 205.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 178.5 m 165.5 178.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 178.5 m 222.5 178.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 178.5 m 305.5 178.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 178.5 m 400.5 178.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 178.5 m 449.5 178.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 178.5 m 509.5 178.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 178.5 m 576.5 178.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 178.5 m 222.5 178.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 178.5 m 305.5 178.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 178.5 m 400.5 178.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 178.5 m 449.5 178.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 178.5 m 509.5 178.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 178.5 m 576.5 178.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 120.5 m 165.5 120.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 120.5 m 449.5 120.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 120.5 m 576.5 120.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 120.5 m 222.5 120.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 120.5 m 305.5 120.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 120.5 m 400.5 120.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 120.5 m 449.5 120.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 120.5 m 509.5 120.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 120.5 m 576.5 120.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 94.5 m 165.5 94.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 81.5 m 165.5 81.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 94.5 m 222.5 94.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 94.5 m 305.5 94.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 94.5 m 400.5 94.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 94.5 m 449.5 94.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 81.5 m 449.5 81.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 94.5 m 509.5 94.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 81.5 m 509.5 81.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 94.5 m 576.5 94.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 81.5 m 576.5 81.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 81.5 m 222.5 81.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 81.5 m 305.5 81.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 81.5 m 400.5 81.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 58 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 58 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 58 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 58 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 58 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 58 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 58 m BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 258.75 Td (As of December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 171.95 267.96 Td (Fair value) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 208.19 272.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 172.70 258.96 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 174.95 258.96 Td (\(in millions\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 239.25 258.96 Td (Methodology) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 258.96 Td (Input) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.40 258.96 Td (Low) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 425.90 263.04 Td (\(2\)\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.15 258.96 Td (High) Tj ET 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196.76 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 196.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 196.76 Td (2.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 196.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 196.76 Td (101.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 196.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 196.76 Td (56.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.50 182.96 Td (184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 182.96 Td (Y) Tj ET Q q 0 0 0 rg BT 231.25 182.96 Td (ield analysis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 182.96 Td (Y) Tj ET Q q 0 0 0 rg BT 314.25 182.96 Td (ield) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 182.96 Td (2.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 182.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 182.96 Td (14.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 182.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 182.96 Td (5.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 182.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 168.96 Td (State and municipal, foreign) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 159.96 Td (government, corporate and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 150.96 Td (other debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.00 150.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.50 150.96 Td (949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 150.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 150.96 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 150.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.00 150.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 150.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 150.96 Td (184.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 150.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 150.96 Td (91.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.50 137.76 Td (914) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 137.76 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 137.76 Td (Credit spread) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.20 137.76 Td (35 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.70 137.76 Td (500 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.70 137.76 Td (249 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 124.76 Td (Y) Tj ET Q q 0 0 0 rg BT 314.25 124.76 Td (ield) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 124.76 Td (2.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 124.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 124.76 Td (14.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 124.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 124.76 Td (6.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 124.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 111.76 Td (Marketable equity securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 140.96 115.84 Td 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0.9333333333333333 1 rg /GS0 gs 36.50 462.50 129.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 462.50 57.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 462.50 83.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 462.50 95.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 462.50 49.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 462.50 60.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 462.50 67.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 408.50 129.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 408.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 408.50 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 408.50 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 408.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 408.50 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 408.50 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 380.50 129.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 380.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 380.50 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 380.50 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 380.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 380.50 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 380.50 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 353.50 129.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 353.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 353.50 83.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 353.50 95.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 353.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 353.50 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 353.50 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 326.50 129.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 326.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 326.50 83.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 326.50 95.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 326.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 326.50 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 326.50 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 300.50 129.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 300.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 300.50 83.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 300.50 95.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 300.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 300.50 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 300.50 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 274.50 129.00 -39.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 274.50 57.00 -39.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 274.50 83.00 -39.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 274.50 95.00 -39.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 274.50 49.00 -39.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 274.50 60.00 -39.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 274.50 67.00 -39.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 221.50 129.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 221.50 57.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 221.50 83.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 221.50 95.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 221.50 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 221.50 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 221.50 67.00 -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 165.5 725 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 725 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 725 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 697.5 m 165.5 697.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 697.5 m 222.5 697.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 697.5 m 305.5 697.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 697.5 m 400.5 697.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 697.5 m 449.5 697.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 697.5 m 509.5 697.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 697.5 m 576.5 697.5 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 165.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 684.5 m 222.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 684.5 m 305.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 684.5 m 400.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 684.5 m 449.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 684.5 m 509.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 684.5 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 305.5 684.5 m 400.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 656.5 m 165.5 656.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 656.5 m 222.5 656.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 656.5 m 305.5 656.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 656.5 m 400.5 656.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 656.5 m 449.5 656.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 656.5 m 509.5 656.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 656.5 m 576.5 656.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 582.5 m 165.5 582.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 582.5 m 400.5 582.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 582.5 m 449.5 582.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 582.5 m 509.5 582.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 582.5 m 576.5 582.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 582.5 m 222.5 582.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 582.5 m 305.5 582.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 582.5 m 400.5 582.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 582.5 m 449.5 582.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 582.5 m 509.5 582.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 582.5 m 576.5 582.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 555.5 m 165.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 555.5 m 222.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 555.5 m 305.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 555.5 m 400.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 555.5 m 449.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 555.5 m 509.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 555.5 m 576.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 514.5 m 165.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 514.5 m 222.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 514.5 m 305.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 514.5 m 400.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 514.5 m 449.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 514.5 m 509.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 514.5 m 576.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 514.5 m 165.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 514.5 m 222.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 514.5 m 305.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 514.5 m 400.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 514.5 m 449.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 514.5 m 509.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 514.5 m 576.5 514.5 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 165.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 462.5 m 222.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 462.5 m 305.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 462.5 m 400.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 462.5 m 449.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 462.5 m 509.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 462.5 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 36.5 380.5 m 165.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 380.5 m 222.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 380.5 m 305.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 380.5 m 400.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 380.5 m 449.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 380.5 m 509.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 380.5 m 576.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 340.5 m 165.5 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 340.5 m 222.5 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 340.5 m 305.5 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 340.5 m 400.5 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 340.5 m 449.5 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 340.5 m 509.5 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 340.5 m 576.5 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 313.5 m 222.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 313.5 m 305.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 313.5 m 400.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 313.5 m 449.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 313.5 m 509.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 313.5 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 36.5 313.5 m 165.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 300.5 m 165.5 300.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 313.5 m 222.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 300.5 m 222.5 300.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 313.5 m 305.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 300.5 m 305.5 300.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 313.5 m 400.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 300.5 m 400.5 300.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 313.5 m 449.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 300.5 m 449.5 300.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 313.5 m 509.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 300.5 m 509.5 300.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 313.5 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 509.5 300.5 m 576.5 300.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 274.5 m 165.5 274.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 274.5 m 222.5 274.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 274.5 m 305.5 274.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 274.5 m 400.5 274.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 274.5 m 449.5 274.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 274.5 m 509.5 274.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 274.5 m 576.5 274.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 235.5 m 165.5 235.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 235.5 m 222.5 235.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 235.5 m 305.5 235.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 235.5 m 400.5 235.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 235.5 m 449.5 235.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 235.5 m 509.5 235.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 235.5 m 576.5 235.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 221.5 m 165.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 221.5 m 222.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 221.5 m 305.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 221.5 m 400.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 221.5 m 449.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 221.5 m 509.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 221.5 m 576.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 199.5 m 165.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 221.5 m 222.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 199.5 m 222.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 221.5 m 305.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 199.5 m 305.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 221.5 m 400.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 199.5 m 400.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 221.5 m 449.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 199.5 m 449.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 221.5 m 509.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 199.5 m 509.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 221.5 m 576.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 199.5 m 576.5 199.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 175.5 m 165.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 199.5 m 222.5 199.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 175.5 m 222.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 199.5 m 305.5 199.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 175.5 m 305.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 199.5 m 400.5 199.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 175.5 m 400.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 199.5 m 449.5 199.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 175.5 m 449.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 199.5 m 509.5 199.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 175.5 m 509.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 199.5 m 576.5 199.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 175.5 m 576.5 175.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.50 714.96 Td (223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 714.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 714.96 Td (Discount to price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.00 714.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 714.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 714.96 Td (100.00) 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 546.75 714.96 Td (1) Tj ET Q q 0 0 0 rg BT 551.25 714.96 Td (1.83) 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 308.00 701.76 Td (Price-to-book ratio) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 701.76 Td (0.05x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 701.76 Td (1.00x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 701.76 Td (0.32x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 688.76 Td (Derivativesgross) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 108.49 692.84 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 674.96 Td (Interest rate contracts \(gross\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.00 674.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.75 674.96 Td (3,818) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 674.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 674.96 Td (IR normal volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 674.96 Td (9.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 674.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 674.96 Td (77.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 674.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 674.96 Td (58.86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 674.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 660.96 Td (Mean reversion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 660.96 Td (1.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 660.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 660.96 Td (20.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 660.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 660.96 Td (10.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 660.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 647.76 Td (Foreign exchange contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 638.81 Td (\(gross\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.00 640.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.50 640.96 Td (940) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 640.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 647.76 Td (Foreign exchange \(FX\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.00 638.81 Td (volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 640.96 Td (4.58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 640.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 640.96 Td (15.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 640.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 640.96 Td (8.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 640.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 627.76 Td (Interest rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 627.76 Td (\(0.55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 627.76 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 627.76 Td (0.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 627.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 627.76 Td (0.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 627.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 614.76 Td (IR-IR correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.75 614.76 Td (\(51.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 614.76 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 614.76 Td (40.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 614.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 614.76 Td (36.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 614.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 600.96 Td (IR-FX correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 600.96 Td (\(7.34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 600.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 600.96 Td (60.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 600.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 600.96 Td (49.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 600.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 586.96 Td (Credit spread) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.55 586.96 Td (1) Tj ET Q q 0 0 0 rg BT 426.88 586.96 Td (1 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.70 586.96 Td (717 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.70 586.96 Td (173 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 572.96 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 124.98 577.04 Td (\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.00 572.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.75 572.96 Td (2,897) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 572.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 572.96 Td (Equity volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 572.96 Td (3.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 572.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 572.96 Td (68.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 572.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 572.96 Td (24.66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 572.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 559.76 Td (Forward price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 559.76 Td (69.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 559.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 559.76 Td (154.19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 559.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 559.76 Td (92.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 559.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 545.96 Td (Commodity contracts \(gross\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.00 545.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.75 545.96 Td (2,937) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 545.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 545.96 Td (Forward price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 545.96 Td (3.66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 545.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 545.96 Td (290.59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 545.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.25 545.96 Td (1) Tj ET Q q 0 0 0 rg BT 546.75 545.96 Td (14.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 545.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 531.96 Td (Commodity volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 531.96 Td (8.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 531.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 531.96 Td (66.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 531.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 531.96 Td (25.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 531.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 518.76 Td (Commodity correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.75 518.76 Td (\(37.64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 518.76 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 518.76 Td (91.71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 518.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 518.76 Td (15.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 518.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 505.76 Td (Credit derivatives \(gross\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.00 505.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.75 505.76 Td (1,797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 505.76 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 505.76 Td (Credit correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 505.76 Td (25.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 505.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 505.76 Td (90.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 505.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 505.76 Td (44.64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 505.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.50 492.76 Td (823) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 492.76 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 492.76 Td (Upfront points) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 492.76 Td (6.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 492.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 492.76 Td (97.26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 492.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 492.76 Td (62.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 492.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 479.76 Td (Credit spread) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.70 479.76 Td (3 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.95 479.76 Td (1,636 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.70 479.76 Td (173 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 466.76 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 466.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 466.76 Td (1.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 466.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 466.76 Td (100.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 466.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 466.76 Td (57.63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 453.76 Td (Nontrading derivatives and other ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 444.76 Td (financial assets and liabilities ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 435.76 Td (measured on a recurring basis ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 426.76 Td (\(gross\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 73.00 430.84 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.00 426.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 426.96 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 426.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 426.96 Td (Recovery rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 426.96 Td (25.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 426.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 426.96 Td (40.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 426.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 426.96 Td (31.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 426.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 412.96 Td (Redemption rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 412.96 Td (10.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 412.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 412.96 Td (99.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 412.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 412.96 Td (74.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 412.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 398.96 Td (Credit spread) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.20 398.96 Td (38 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.70 398.96 Td (275 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.70 398.96 Td (127 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 384.96 Td (Upfront points) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 384.96 Td (61.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 384.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 384.96 Td (61.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 384.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 384.96 Td (61.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 384.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 370.96 Td (Loans and leases) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.00 370.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.50 370.96 Td (391) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 370.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 370.96 Td (Equity volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 370.96 Td (3.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 370.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 370.96 Td (68.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 370.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 370.96 Td (22.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 370.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.50 357.76 Td (148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 357.76 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 357.76 Td (Credit spread) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.70 357.76 Td (134 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.70 357.76 Td (500 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.70 357.76 Td (173 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 344.76 Td (Y) Tj ET Q q 0 0 0 rg BT 314.25 344.76 Td (ield) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 344.76 Td (3.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 344.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 344.76 Td (4.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 344.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 344.76 Td (3.13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 344.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 330.96 Td (Mortgage servicing rights) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.00 330.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.50 330.96 Td (471) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 330.96 Td (Cash flow) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 330.96 Td (Y) Tj ET Q q 0 0 0 rg BT 314.25 330.96 Td (ield) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 330.96 Td (8.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 330.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 330.96 Td (16.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 330.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 330.96 Td (1) Tj ET Q q 0 0 0 rg BT 551.25 330.96 Td (1.47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 330.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 317.76 Td (87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 317.76 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 317.76 Td (W) Tj ET Q q 0 0 0 rg BT 316.00 317.76 Td (AL) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.00 317.76 Td (3.83 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 317.76 Td (6.89 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.00 317.76 Td (5.93 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 304.76 Td (Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 291.76 Td (Interest-bearing deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.00 291.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.50 291.76 Td (286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 291.76 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 291.76 Td (Mean reversion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 291.76 Td (1.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 291.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 291.76 Td (20.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 291.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 291.76 Td (10.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 291.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 278.76 Td (Forward price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 278.76 Td (99.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 278.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 278.76 Td (99.95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 278.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 278.76 Td (99.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 278.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 265.76 Td (Federal funds purchased and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 256.76 Td (securities loaned and sold) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 247.76 Td (under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 238.76 Td (repurchase) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.00 239.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.50 239.96 Td (726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 239.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 239.96 Td (Interest rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 239.96 Td (1.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 239.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 239.96 Td (2.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 239.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 239.96 Td (2.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 239.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 225.96 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 225.96 Td (rading account liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 212.76 Td (Securities sold, not yet) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 203.76 Td (purchased) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.00 203.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 203.96 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 203.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 203.96 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 203.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 203.96 Td (1.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 203.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 203.96 Td (287.64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 203.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 203.96 Td (88.19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 188.96 Td (Short-term borrowings and long-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 179.96 Td (term debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.00 179.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.25 179.96 Td (13,100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 179.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 179.96 Td (Forward price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 179.96 Td (69.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 179.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 179.96 Td (161.1) Tj ET Q q 0 0 0 rg BT 495.50 179.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 179.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.25 179.96 Td (100.70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 179.96 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 158.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 158.40 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 36.00 148.80 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 148.80 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 36.00 139.20 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 139.20 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 lar) Tj ET Q q 0 0 0 rg BT 567.53 139.20 Td (ge ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 129.60 Td (position.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 120.00 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 120.00 Td (W) Tj ET Q q 0 0 0 rg BT 60.91 120.00 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 36.00 110.40 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 110.40 Td (For equity securities, the price and fund NA) Tj ET Q q 0 0 0 rg BT 193.82 110.40 Td (V) Tj ET Q q 0 0 0 rg BT 199.45 110.40 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 36.00 100.80 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 100.80 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 91.20 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 91.20 Td (Includes hybrid products.) 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 (259) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Uncertainty of Fair) Tj ET Q q 0 0 0 rg BT 118.57 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 120.89 742.25 Td (V) Tj ET Q q 0 0 0 rg BT 127.20 742.25 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 180.06 742.25 Td (ements Relating to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (Unobservable Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.11 718.25 Td (aluation uncertainty arises when there is insuf) Tj ET Q q 0 0 0 rg BT 225.21 718.25 Td (ficient or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (disperse market data to allow a precise determination of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (exit value of a fair) Tj ET Q q 0 0 0 rg BT 109.10 694.25 Td (-valued position or portfolio in today) Tj ET Q q 0 0 0 rg BT 259.91 694.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (market. ) Tj ET Q q 0 0 0 rg BT 68.58 682.25 Td (This is especially prevalent in Level 3 fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (instruments, where uncertainty exists in valuation inputs that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (may be both unobservable and significant to the instrument) Tj ET Q q 0 0 0 rg BT 275.95 658.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (\(or portfolio) Tj ET Q q 0 0 0 rg BT 87.93 646.25 Td (s\) overall fair value measurement. ) Tj ET Q q 0 0 0 rg BT 226.58 646.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (uncertainties associated with key unobservable inputs on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (Level3 fair value measurements may not be independent of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (one another) Tj ET Q q 0 0 0 rg BT 82.37 610.25 Td (. In addition, the amount and direction of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (uncertainty on a fair value measurement for a given change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (an unobservable input depends on the nature of the instrument ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (as well as whether the Company holds the instrument as an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (asset or a liability) Tj ET Q q 0 0 0 rg BT 106.17 562.25 Td (. For certain instruments, the pricing, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (hedging and risk management are sensitive to the correlation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (between various inputs rather than on the analysis and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (aggregation of the individual inputs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 514.25 Td (The following section describes some of the most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (significant unobservable inputs used by the Company in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (Level3 fair value measurements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 Td (Correlation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.25 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 36.00 442.25 Td (variables change in relation to each other) Tj ET Q q 0 0 0 rg BT 199.82 442.25 Td (. ) Tj ET Q q 0 0 0 rg BT 204.27 442.25 Td (A) Tj ET Q q 0 0 0 rg BT 210.94 442.25 Td ( variety of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 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 36.00 418.25 Td (of instruments, including equity and credit baskets, foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.25 Td (exchange options, CDOs backed by loans or bonds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.25 Td (mortgages, subprime mortgages and many other instruments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.25 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 36.00 370.25 Td (directly observable in the market and must be calculated using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.25 Td (alternative sources, including historical information. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.25 Td (Estimating correlation can be especially dif) Tj ET Q q 0 0 0 rg BT 209.36 346.25 Td (ficult where it may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.25 Td (vary over time, and calculating correlation information from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.25 Td (market data requires significant assumptions regarding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.25 Td (informational ef) Tj ET Q q 0 0 0 rg BT 100.52 310.25 Td (ficiency of the market \(e.g., swaption ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.25 Td (markets\). Uncertainty therefore exists when an estimate of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.25 Td (appropriate level of correlation as an input into some fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.25 Td (value measurements is required.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 262.25 Td (Changes in correlation levels can have a substantial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.25 Td (impact, favorable or unfavorable, on the value of an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.25 Td (instrument, depending on its nature. ) Tj ET Q q 0 0 0 rg BT 181.81 238.25 Td (A) Tj ET Q q 0 0 0 rg BT 188.48 238.25 Td ( change in the default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.25 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 36.00 214.25 Td (comprising a CDO structure would af) Tj ET Q q 0 0 0 rg BT 186.62 214.25 Td (fect the fair value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.25 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 36.00 190.25 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 36.00 178.25 Td (value of the senior tranche, because highly correlated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.25 Td (instruments produce greater losses in the event of default and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.25 Td (a portion of these losses would become attributable to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.25 Td (senior tranche. ) Tj ET Q q 0 0 0 rg BT 97.18 142.25 Td (That same change in default correlation would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.25 Td (have a dif) Tj ET Q q 0 0 0 rg BT 75.24 130.25 Td (ferent impact on junior tranches of the same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.25 Td (structure.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 94.25 Td (V) Tj ET Q q 0 0 0 rg BT 41.56 94.25 Td (olatility) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.25 Td (V) Tj ET Q q 0 0 0 rg BT 41.93 82.25 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 70.25 Td (changes and is a key factor in pricing options. ) Tj ET Q q 0 0 0 rg BT 221.88 70.25 Td (V) Tj ET Q q 0 0 0 rg BT 227.81 70.25 Td (olatility ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.25 Td (generally depends on the tenor of the underlying instrument ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.25 Td (and the strike price or level defined in the contract. ) Tj ET Q q 0 0 0 rg BT 242.12 46.25 Td (V) Tj ET Q q 0 0 0 rg BT 248.06 46.25 Td (olatilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 742.10 Td (for certain combinations of tenor and strike are not observable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 730.10 Td (and need to be estimated using alternative methods, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 718.10 Td (using comparable instruments, historical analysis or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 706.10 Td (sources of market information. ) Tj ET Q q 0 0 0 rg BT 449.62 706.10 Td (This leads to uncertainty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 694.10 Td (around the final fair value measurement of instruments with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 682.10 Td (unobservable volatilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 670.10 Td (The general relationship between changes in the value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 658.10 Td (a portfolio to changes in volatility also depends on changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 646.10 Td (interest rates and the level of the underlying index. Generally) Tj ET Q q 0 0 0 rg BT 568.26 646.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 634.10 Td (long option positions \(assets\) benefit from increases in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 622.10 Td (volatility) Tj ET Q q 0 0 0 rg BT 359.46 622.10 Td (, whereas short option positions \(liabilities\) will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 610.10 Td (suf) Tj ET Q q 0 0 0 rg BT 336.04 610.10 Td (fer losses. Some instruments are more sensitive to changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 598.10 Td (in volatility than others. For example, an at-the-money option ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 586.10 Td (would experience a greater percentage change in its fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 574.10 Td (than a deep-in-the-money option. In addition, the fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 562.10 Td (an option with more than one underlying security \(e.g., an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 550.10 Td (option on a basket of bonds\) depends on the volatility of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 538.10 Td (individual underlying securities as well as their correlations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 514.10 Td (Y) Tj ET Q q 0 0 0 rg BT 329.56 514.10 Td (ield) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 502.10 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 324.00 490.10 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 324.00 478.10 Td (data or from yields of similar securities. ) Tj ET Q q 0 0 0 rg BT 486.00 478.10 Td (This estimated yield ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 466.10 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 324.00 454.10 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 324.00 442.10 Td (may not represent suf) Tj ET Q q 0 0 0 rg BT 410.18 442.10 Td (ficient market liquidity and must be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 430.10 Td (adjusted as well. ) Tj ET Q q 0 0 0 rg BT 392.69 430.10 Td (Whenever the amount of the adjustment is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 418.10 Td (significant to the value of the security) Tj ET Q q 0 0 0 rg BT 474.42 418.10 Td (, the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 406.10 Td (measurement is classified as Level3.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 394.10 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 324.00 382.10 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 324.00 370.10 Td (asset-backed securities. ) Tj ET Q q 0 0 0 rg BT 419.80 370.10 Td (Adjusted yield is impacted by changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 358.10 Td (in the interest rate environment and relevant credit spreads. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 334.10 Td (Prepayment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 322.10 Td (V) Tj ET Q q 0 0 0 rg BT 329.93 322.10 Td (oluntary unscheduled payments \(prepayments\) change the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 310.10 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 324.00 298.10 Td (value of the security) Tj ET Q q 0 0 0 rg BT 404.71 298.10 Td (. ) Tj ET Q q 0 0 0 rg BT 409.53 298.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 435.16 298.10 Td (fect of prepayments is more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 286.10 Td (pronounced for residential mortgage-backed securities. ) Tj ET Q q 0 0 0 rg BT 546.14 286.10 Td (An ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 274.10 Td (increase in prepaymentsin speed or magnitudegenerally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 262.10 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 324.00 250.10 Td (generally negatively correlated with delinquency and interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 238.10 Td (rate. ) Tj ET Q q 0 0 0 rg BT 343.43 238.10 Td (A) Tj ET Q q 0 0 0 rg BT 350.10 238.10 Td ( combination of low prepayment and high delinquencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 226.10 Td (amplifies each input) Tj ET Q q 0 0 0 rg BT 407.86 226.10 Td (s negative impact on mortgage securities) Tj ET Q q 0 0 0 rg BT 573.45 226.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 214.10 Td (valuation. ) Tj ET Q q 0 0 0 rg BT 365.66 214.10 Td (As prepayment speeds change, the weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 202.10 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 324.00 190.10 Td (valuation either positively or negatively) Tj ET Q q 0 0 0 rg BT 482.75 190.10 Td (, depending upon the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 178.10 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 324.00 166.10 Td (weighted average life.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 142.10 Td (Recovery) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 130.10 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 324.00 118.10 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 324.00 106.10 Td (scenario. For many credit securities \(such as asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 94.10 Td (securities\), 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 82.10 Td (recovery) Tj ET Q q 0 0 0 rg BT 358.33 82.10 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 70.10 Td (pricing services. ) Tj ET Q q 0 0 0 rg BT 391.85 70.10 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 58.10 Td (dif) Tj ET Q q 0 0 0 rg BT 334.93 58.10 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 46.10 Td (future. ) Tj ET Q q 0 0 0 rg BT 352.70 46.10 Td (The recovery rate impacts the valuation of credit ) 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 31.60 Td (260) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (securities. Generally) Tj ET Q q 0 0 0 rg BT 117.54 742.10 Td (, an increase in the recovery rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (assumption increases the fair value of the security) Tj ET Q q 0 0 0 rg BT 235.00 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 239.45 730.10 Td (An increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (in loss severity) Tj ET Q q 0 0 0 rg BT 95.35 718.10 Td (, the inverse of the recovery rate, reduces the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 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 36.00 694.10 Td (decreases the fair value of the security) Tj ET Q q 0 0 0 rg BT 188.61 694.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (Credit Spread) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 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 36.00 646.10 Td (credit quality) Tj ET Q q 0 0 0 rg BT 88.39 646.10 Td (. Credit spread reflects the market perception of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (changes in prepayment, delinquency and recovery rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 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 36.00 610.10 Td (value. Changes in credit spread af) Tj ET Q q 0 0 0 rg BT 171.32 610.10 Td (fect the fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (securities dif) Tj ET Q q 0 0 0 rg BT 87.19 598.10 Td (ferently depending on the characteristics and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (maturity profile of the security) Tj ET Q q 0 0 0 rg BT 158.09 586.10 Td (. For example, credit spread is a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 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 36.00 562.10 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 36.00 550.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 74.77 550.10 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 36.00 538.10 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 36.00 526.10 Td (counterpart.) Tj ET Q endstream endobj 523 0 obj <> endobj 524 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (261) 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. ) Tj ET Q q 0 0 0 rg BT 86.92 689.25 Td (These also include non-marketable equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (securities that have been measured using the measurement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (alternative and are either \(i\) written down to fair value during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (the periods as a result of an impairment or \(ii\) adjusted upward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (or downward to fair value as a result of a transaction observed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (during the periods for the identical or similar investment of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (same issuer) Tj ET Q q 0 0 0 rg BT 81.83 617.25 Td (. In addition, these assets include loans HFS and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (other real estate owned that are measured at the lower of cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (or market.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 581.25 Td (The following tables present the carrying amounts of all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 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 36.00 557.25 Td (measurement was recorded:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 532.75 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 532.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 532.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 532.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 504.75 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 504.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 504.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 504.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 476.75 102.00 -41.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 476.75 50.00 -41.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 476.75 50.00 -41.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 476.75 50.00 -41.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 532.75 m 137.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 532.75 m 187.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 532.75 m 237.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 532.75 m 287.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 435.75 m 137.5 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 435.75 m 187.5 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 435.75 m 237.5 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 435.75 m 287.5 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 435.75 m 137.5 435.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 412.75 m 137.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 435.75 m 187.5 435.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 412.75 m 187.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 435.75 m 237.5 435.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 412.75 m 237.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 435.75 m 287.5 435.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 412.75 m 287.5 412.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 537.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 142.45 537.20 Td (Fair) Tj ET Q q 0 0 0 rg BT 158.86 537.20 Td ( value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.10 537.20 Td (Level2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.10 537.20 Td (Level3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 523.20 Td (December) Tj ET Q q 0 0 0 rg BT 76.89 523.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.00 523.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 190.00 523.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.00 523.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 509.20 Td (Loans HFS) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 81.26 513.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 140.00 509.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 163.75 509.20 Td (5,055) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.00 509.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.75 509.20 Td (3,261) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.00 509.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.75 509.20 Td (1,794) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 495.20 Td (Other) Tj ET Q q 0 0 0 rg BT 60.83 495.20 Td ( r) Tj ET Q q 0 0 0 rg BT 66.91 495.20 Td (eal estate owned) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.00 495.20 Td (78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.00 495.20 Td (62) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.00 495.20 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 481.20 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 61.51 485.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.50 481.20 Td (390) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 481.20 Td (139) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.50 481.20 Td (251) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 467.20 Td (Non-marketable equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.50 458.20 Td (securities measur) Tj ET Q q 0 0 0 rg BT 109.15 458.20 Td (ed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.50 449.20 Td (using the measur) Tj ET Q q 0 0 0 rg BT 107.92 449.20 Td (ement) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.50 440.20 Td (alternative) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.50 440.20 Td (261) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 440.20 Td (192) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.00 440.20 Td (69) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 426.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 426.20 Td (otal assets at fair) Tj ET Q q 0 0 0 rg BT 107.75 426.20 Td ( value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.50 417.20 Td (on a nonr) Tj ET Q q 0 0 0 rg BT 79.35 417.20 Td (ecurring basis) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 140.00 417.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 163.75 417.20 Td (5,784) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.00 417.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.75 417.20 Td (3,654) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.00 417.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.75 417.20 Td (2,130) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 380.75 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 380.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 380.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 380.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 352.75 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 352.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 352.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 352.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 324.75 102.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 324.75 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 324.75 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 324.75 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 35.5 380.75 m 137.5 380.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 380.75 m 187.5 380.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 380.75 m 237.5 380.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 380.75 m 287.5 380.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 324.75 m 137.5 324.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 301.75 m 137.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 324.75 m 187.5 324.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 301.75 m 187.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 324.75 m 237.5 324.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 301.75 m 237.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 324.75 m 287.5 324.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 301.75 m 287.5 301.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 385.00 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.85 385.21 Td (Fair value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.35 385.21 Td (Level2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.35 385.21 Td (Level3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 371.21 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.00 371.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 190.00 371.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.00 371.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 357.21 Td (Loans HFS) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 78.75 361.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.00 357.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 163.75 357.21 Td (5,675) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 190.00 357.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.75 357.21 Td (2,066) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.00 357.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.75 357.21 Td (3,609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 343.21 Td (Other real estate owned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 175.00 343.21 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 343.21 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 343.21 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 329.21 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 59.99 333.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 170.50 329.21 Td (630) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.50 329.21 Td (216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 329.21 Td (414) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 315.21 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 315.21 Td (otal assets at fair value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.50 306.21 Td (on a nonrecurring basis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.00 306.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 163.75 306.21 Td (6,359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 190.00 306.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.75 306.21 Td (2,292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.00 306.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.75 306.21 Td (4,067) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 284.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 284.65 Td (Net of fair value amounts on the unfunded portion of loans HFS, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 275.05 Td (recognized within ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 113.54 275.05 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 164.42 275.05 Td ( on the Consolidated Balance Sheet. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 265.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 265.45 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 54.00 255.85 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 54.00 246.25 Td (secured loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 222.25 Td (The fair value of loans HFS is determined where possible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 210.25 Td (using quoted secondary-market prices. If no such quoted price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 198.25 Td (exists, the fair value of a loan is determined using quoted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 186.25 Td (prices for a similar asset or assets, adjusted for the specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 174.25 Td (attributes of that loan. Fair value for the other real estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 162.25 Td (owned is based on appraisals. For loans whose carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 150.25 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 36.00 138.25 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 36.00 126.25 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 36.00 114.25 Td (prices if available, appraisals or other internal valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 102.25 Td (techniques.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 90.25 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 36.00 78.25 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 36.00 66.25 Td (as Level2. ) Tj ET Q q 0 0 0 rg BT 81.91 66.25 Td (Where significant adjustments are made to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 54.25 Td (appraised value, the loan is classified as Level3. ) Tj ET Q q 0 0 0 rg BT 232.88 54.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 282.78 54.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 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 324.00 737.10 Td (on sales of similar assets; however) Tj ET Q q 0 0 0 rg BT 462.18 737.10 Td (, because the prices of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (similar assets require significant adjustments to reflect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 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 324.00 701.10 Td (measurements are generally classified as Level3.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 689.10 Td (The fair value of non-marketable equity securities under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (the measurement alternative is based on observed transaction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (prices for the identical or similar investment of the same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (issuer) Tj ET Q q 0 0 0 rg BT 346.93 653.10 Td (, or an internal valuation technique in the case of an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (impairment. ) Tj ET Q q 0 0 0 rg BT 374.92 641.10 Td (Where significant adjustments are made to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (observed transaction price or when an internal valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (technique is used, the security is classified as Level 3. Fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (value may dif) Tj ET Q q 0 0 0 rg BT 378.80 605.10 Td (fer from the observed transaction price due to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (number of factors, including marketability adjustments and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (dif) Tj ET Q q 0 0 0 rg BT 334.93 581.10 Td (ferences in rights and obligations when the observed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (transaction is not for the identical investment held by Citi.) 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 (262) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 749.25 Td (aluation ) Tj ET Q q 0 0 0 rg BT 79.63 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 85.38 749.25 Td (echniques and Inputs for) Tj ET Q q 0 0 0 rg BT 191.63 749.25 Td ( Level3 Nonr) Tj ET Q q 0 0 0 rg BT 249.49 749.25 Td (ecurring Fair) Tj ET Q q 0 0 0 rg BT 306.79 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 309.11 749.25 Td (V) Tj ET Q q 0 0 0 rg BT 315.41 749.25 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 368.28 749.25 Td (ements ) 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 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 36.00 725.25 Td (most significant unobservable inputs used in those measurements:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 691.75 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 691.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 691.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 691.75 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 691.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 691.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 691.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 663.75 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 663.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 663.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 663.75 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 663.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 663.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 663.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 634.75 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 634.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 634.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 634.75 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 634.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 634.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 634.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 606.75 110.00 -37.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 606.75 58.00 -37.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 606.75 94.00 -37.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 606.75 86.00 -37.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 606.75 54.00 -37.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 606.75 68.00 -37.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 606.75 70.00 -37.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 691.75 m 145.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 677.75 m 145.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 691.75 m 203.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 677.75 m 203.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 691.75 m 297.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 677.75 m 297.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 691.75 m 383.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 677.75 m 383.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 691.75 m 437.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 677.75 m 437.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 691.75 m 505.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 677.75 m 505.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 691.75 m 575.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 677.75 m 575.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 634.75 m 145.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 634.75 m 203.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 634.75 m 297.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 634.75 m 383.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 634.75 m 437.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 634.75 m 505.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 634.75 m 575.5 634.75 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 145.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 606.75 m 203.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 606.75 m 297.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 606.75 m 383.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 606.75 m 437.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 606.75 m 505.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 606.75 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 35.5 569.75 m 145.5 569.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 569.75 m 203.5 569.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 569.75 m 297.5 569.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 569.75 m 383.5 569.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 569.75 m 437.5 569.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 569.75 m 505.5 569.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 569.75 m 575.5 569.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 696.00 Td (As of December 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 151.00 705.35 Td (Fair) Tj ET Q q 0 0 0 rg BT 167.33 705.35 Td (value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 190.08 709.43 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 153.20 696.21 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 155.45 696.21 Td (\(inmillions\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 224.75 696.20 Td (Methodology) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.20 696.20 Td (Input) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.05 696.20 Td (Low) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 415.05 700.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.45 696.20 Td (High) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.70 705.20 Td (W) Tj ET Q q 0 0 0 rg BT 530.20 705.20 Td (eighted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.55 696.20 Td (average) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 551.53 700.28 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 682.20 Td (Loans HFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 682.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 179.75 682.20 Td (1,729) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 682.21 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 682.21 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 682.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 682.20 Td (0.79) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 682.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.25 682.20 Td (100.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 682.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.75 682.20 Td (69.52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 668.20 Td (Other) Tj ET Q q 0 0 0 rg BT 60.91 668.20 Td ( r) Tj ET Q q 0 0 0 rg BT 66.99 668.20 Td (eal estate owned) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 668.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.00 668.20 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 668.21 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 668.21 Td (Appraised value) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 358.73 672.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 668.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 668.20 Td (8,394,102) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 668.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 668.20 Td (8,394,102) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 668.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.00 668.20 Td (8,394,102) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.50 654.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 654.21 Td (Recovery analysis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 654.21 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 361.98 658.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 654.20 Td (13.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.00 654.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.75 654.20 Td (13.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 654.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.75 654.20 Td (13.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 566.00 654.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 639.21 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 639.20 Td (56.30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.75 639.20 Td (83.08) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.75 639.20 Td (58.27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 625.20 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 61.51 629.28 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 625.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.50 625.20 Td (251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 625.21 Td (Recovery analysis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 625.21 Td (Recovery rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 625.20 Td (30.60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.00 625.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.25 625.20 Td (100.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 625.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.75 625.20 Td (50.51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 566.00 625.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 611.21 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 611.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 611.20 Td (2.60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 611.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.75 611.20 Td (85.04) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 611.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.75 611.20 Td (28.21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 598.15 Td (Non-marketable equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 589.15 Td (securities measur) Tj ET Q q 0 0 0 rg BT 104.57 589.15 Td (ed using) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 580.15 Td (the measur) Tj ET Q q 0 0 0 rg BT 80.58 580.15 Td (ement) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 571.20 Td (alternative) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 574.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.00 574.20 Td (66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 574.21 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 574.21 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 574.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 574.20 Td (45.80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 574.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.50 574.20 Td (1,514.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 574.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.25 574.20 Td (570.26) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 528.75 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 528.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 528.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 528.75 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 528.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 528.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 528.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 500.75 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 500.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 500.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 500.75 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 500.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 500.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 500.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 472.75 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 472.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 472.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 472.75 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 472.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 472.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 472.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 444.75 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 444.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 444.75 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 444.75 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 444.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 444.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 444.75 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 35.5 528.75 m 145.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 528.75 m 203.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 528.75 m 297.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 528.75 m 383.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 528.75 m 437.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 528.75 m 505.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 528.75 m 575.5 528.75 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 145.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 528.75 m 203.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 514.75 m 203.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 528.75 m 297.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 514.75 m 297.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 528.75 m 383.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 514.75 m 383.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 528.75 m 437.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 514.75 m 437.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 528.75 m 505.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 514.75 m 505.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 528.75 m 575.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 514.75 m 575.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 514.75 m 437.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 514.75 m 505.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 514.75 m 575.5 514.75 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 145.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 472.75 m 203.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 472.75 m 297.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 472.75 m 383.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 472.75 m 437.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 472.75 m 505.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 472.75 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 35.5 472.75 m 145.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 472.75 m 203.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 472.75 m 297.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 472.75 m 383.5 472.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 430.75 m 145.5 430.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 430.75 m 203.5 430.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 430.75 m 297.5 430.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 430.75 m 383.5 430.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 430.75 m 437.5 430.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 430.75 m 505.5 430.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 430.75 m 575.5 430.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 533.00 Td (As of December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 152.45 541.31 Td (Fairvalue) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 188.69 545.39 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 533.00 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 155.30 533.00 Td (\(inmillions\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.75 533.21 Td (Methodology) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.50 533.21 Td (Input) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.30 533.21 Td (Low) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 414.80 537.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 533.21 Td (High) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.85 542.21 Td (W) Tj ET Q q 0 0 0 rg BT 530.62 542.21 Td (eighted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.60 533.21 Td (average) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 550.58 537.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 519.21 Td (Loans HFS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 148.00 519.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 179.75 519.21 Td (3,186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 519.21 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 519.21 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 519.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.25 519.21 Td (77.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 519.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.75 519.21 Td (100.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 519.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 519.21 Td (99.26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 505.21 Td (Other real estate owned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 148.00 505.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 191.00 505.21 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 505.21 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 505.21 Td (Appraised value) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 358.73 509.29 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 505.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.75 505.21 Td (20,278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 505.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.50 505.21 Td (8,091,760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 505.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 505.21 Td (4,016,665) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 491.21 Td (Discount to price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.25 491.21 Td (34.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 491.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 491.21 Td (34.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 491.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 491.21 Td (34.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 491.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 477.21 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 477.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.25 477.21 Td (30.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 477.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 477.21 Td (50.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 477.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 477.21 Td (49.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 463.21 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 59.99 467.29 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 148.00 463.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 186.50 463.21 Td (133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 463.21 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 463.21 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 463.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.75 463.21 Td (2.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 463.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.75 463.21 Td (100.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 463.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 463.21 Td (62.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 186.50 449.21 Td (129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 449.21 Td (Cash flow) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 449.21 Td (Recovery rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.25 449.21 Td (50.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 449.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.75 449.21 Td (100.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 449.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 449.21 Td (63.59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 449.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 186.50 435.21 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 435.21 Td (Recovery analysis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 435.21 Td (Appraised value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 435.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 435.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 435.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 435.21 Td (45,500,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 435.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.00 435.21 Td (38,785,667) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 412.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 412.05 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 36.00 402.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 402.45 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 36.00 392.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 392.85 Td (W) Tj ET Q q 0 0 0 rg BT 60.91 392.85 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 36.00 383.25 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 383.25 Td (Appraised values are disclosed in whole dollars.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 373.65 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 373.65 Td (Includes estimated costs to sell.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 364.05 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 364.05 Td (Represents impaired loans held for investment whose carrying amounts are based on the fair value of the underlying collateral, primarily real estate secured loans.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 340.05 Td (Nonr) Tj ET Q q 0 0 0 rg BT 58.04 340.05 Td (ecurring Fair) Tj ET Q q 0 0 0 rg BT 115.34 340.05 Td ( ) Tj ET Q q 0 0 0 rg BT 117.66 340.05 Td (V) Tj ET Q q 0 0 0 rg BT 123.96 340.05 Td (alue Changes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 328.05 Td (The following tables present total nonrecurring fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 316.05 Td (measurements for the period, included in earnings, attributable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 304.05 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 36.00 292.05 Td (held:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 245.55 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 245.55 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 217.55 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 217.55 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 180.55 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 180.55 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 35.5 245.54999999999995 m 215.5 245.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 245.54999999999995 m 287.5 245.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 245.54999999999995 m 287.5 245.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 180.54999999999995 m 287.5 180.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 180.54999999999995 m 215.5 180.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 166.54999999999995 m 215.5 166.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 180.54999999999995 m 287.5 180.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 166.54999999999995 m 287.5 166.54999999999995 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.45 272.95 Td (Y) Tj ET Q q 0 0 0 rg BT 235.45 272.95 Td (ear) Tj ET Q q 0 0 0 rg BT 247.36 272.95 Td ( ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 224.80 263.95 Td (December) Tj ET Q q 0 0 0 rg BT 263.69 263.95 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 249.80 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 250.00 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 236.00 Td (Loans HFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.00 236.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 236.00 Td (\(13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.00 236.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 222.00 Td (Other) Tj ET Q q 0 0 0 rg BT 60.91 222.00 Td ( r) Tj ET Q q 0 0 0 rg BT 66.99 222.00 Td (eal estate owned) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.50 222.00 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.00 222.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 208.00 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 61.51 212.08 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 208.00 Td (\(22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.00 208.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 194.95 Td (Non-marketable equity securities measur) Tj ET Q q 0 0 0 rg BT 196.06 194.95 Td (ed ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 185.95 Td (using the measur) Tj ET Q q 0 0 0 rg BT 103.34 185.95 Td (ement alternative) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.50 185.00 Td (194) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 171.00 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 171.00 Td (otal nonr) Tj ET Q q 0 0 0 rg BT 78.27 171.00 Td (ecurring fair) Tj ET Q q 0 0 0 rg BT 127.34 171.00 Td ( value gains \(losses\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.00 171.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.50 171.00 Td (157) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 245.55 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 245.55 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 217.55 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 217.55 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 180.55 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 180.55 72.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 245.54999999999995 m 503.5 245.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 245.54999999999995 m 575.5 245.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 180.54999999999995 m 503.5 180.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 166.54999999999995 m 503.5 166.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 180.54999999999995 m 575.5 180.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 166.54999999999995 m 575.5 166.54999999999995 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.80 272.81 Td (Y) Tj ET Q q 0 0 0 rg BT 524.85 272.81 Td (ear ended) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 263.81 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 326.00 249.80 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 250.01 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 236.01 Td (Loans HFS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 236.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 236.01 Td (\(26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 236.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 222.01 Td (Other real estate owned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 222.01 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 222.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 208.01 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 347.99 212.09 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 208.01 Td (\(87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 208.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 194.01 Td (Non-marketable equity securities measured) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 185.01 Td (using the measurement alternative) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 185.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 171.01 Td (T) Tj ET Q q 0 0 0 rg BT 330.87 171.01 Td (otal nonrecurring fair value gains \(losses\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 171.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 171.01 Td (\(1) Tj ET Q q 0 0 0 rg BT 563.00 171.01 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 171.01 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 149.45 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 149.45 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 342.00 139.85 Td (the fair value of the underlying collateral, primarily real estate loans.) Tj ET Q endstream endobj 527 0 obj <> endobj 528 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (263) 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 Carried ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (at Fair) Tj ET Q q 0 0 0 rg BT 64.97 737.25 Td ( ) Tj ET Q q 0 0 0 rg BT 67.29 737.25 Td (V) Tj ET Q q 0 0 0 rg BT 73.60 737.25 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (The following tables present the carrying value and fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (of Citigroup) Tj ET Q q 0 0 0 rg BT 87.94 713.25 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 tables below therefore exclude 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, certain insurance contracts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (and tax-related items. ) Tj ET Q q 0 0 0 rg BT 124.30 653.25 Td (Also, as required, the disclosure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (excludes the ef) Tj ET Q q 0 0 0 rg BT 95.79 641.25 Td (fect of taxes, any premium or discount that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (could result from of) Tj ET Q q 0 0 0 rg BT 115.52 629.25 Td (fering for sale at one time the entire ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (holdings of a particular instrument, excess fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (associated with deposits with no fixed maturity and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 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 36.00 581.25 Td (addition, the tables exclude the values of non-financial assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 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 36.00 557.25 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 36.00 545.25 Td (assessment of Citigroup) Tj ET Q q 0 0 0 rg BT 134.88 545.25 Td (s financial position and the value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (its net assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 521.25 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 36.00 509.25 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 36.00 497.25 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 36.00 485.25 Td (and liabilities run of) Tj ET Q q 0 0 0 rg BT 116.63 485.25 Td (f and new transactions are entered into. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 432.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 432.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 432.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 432.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 432.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 432.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 404.75 305.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 404.75 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 404.75 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 404.75 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 404.75 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 404.75 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 367.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 367.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 367.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 367.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 367.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 367.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 339.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 339.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 339.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 339.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 339.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 339.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 302.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 302.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 302.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 302.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 302.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 302.75 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 341.5 460.75 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 441.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 460.75 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 531.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 460.75 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 36.5 432.75 m 341.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 432.75 m 391.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 432.75 m 441.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 432.75 m 486.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 432.75 m 531.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 432.75 m 576.5 432.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 353.75 m 341.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 353.75 m 391.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 353.75 m 441.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 353.75 m 486.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 353.75 m 531.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 353.75 m 576.5 353.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 274.75 m 341.5 274.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 274.75 m 391.5 274.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 274.75 m 441.5 274.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 274.75 m 486.5 274.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 274.75 m 531.5 274.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 274.75 m 576.5 274.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 465.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.70 465.20 Td (December) Tj ET Q q 0 0 0 rg BT 393.59 465.20 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.55 465.20 Td (Estimated fair) Tj ET Q q 0 0 0 rg BT 524.71 465.20 Td ( value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 451.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.25 446.20 Td (Carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.70 437.20 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.50 446.20 Td (Estimated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.70 437.20 Td (fair) Tj ET Q q 0 0 0 rg BT 411.53 437.20 Td ( value) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 437.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.60 437.20 Td (Level1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.60 437.20 Td (Level2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.60 437.20 Td (Level3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 423.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 423.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 423.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 423.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 423.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 423.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 409.20 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.00 409.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.25 409.20 Td (68.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 409.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 409.20 Td (68.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 409.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 409.20 Td (1.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 409.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 409.20 Td (65.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.00 409.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.75 409.20 Td (2.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 395.20 Td (Federal funds sold and securities borr) Tj ET Q q 0 0 0 rg BT 184.67 395.20 Td (owed and pur) Tj ET Q q 0 0 0 rg BT 237.52 395.20 Td (chased under) Tj ET Q q 0 0 0 rg BT 288.62 395.20 Td ( agr) Tj ET Q q 0 0 0 rg BT 303.70 395.20 Td (eements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 386.20 Td (to r) Tj ET Q q 0 0 0 rg BT 52.66 386.20 Td (esell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 386.20 Td (123.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 386.20 Td (123.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 386.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 386.20 Td (121.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.75 386.20 Td (1.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 372.20 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 62.51 376.28 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 372.20 Td (667.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 372.20 Td (666.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 372.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.75 372.20 Td (5.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 372.20 Td (661.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 358.20 Td (Other) Tj ET Q q 0 0 0 rg BT 61.83 358.20 Td ( financial assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 121.83 362.28 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 358.20 Td (249.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 358.20 Td (250.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.75 358.20 Td (172.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 358.20 Td (15.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.25 358.20 Td (62.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 344.20 Td (Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 344.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 344.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 344.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 344.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 344.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 330.20 Td (Deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.00 330.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.00 330.20 Td (1,01) Tj ET Q q 0 0 0 rg BT 376.75 330.20 Td (1.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 330.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 330.20 Td (1,009.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 330.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 330.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 330.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 330.20 Td (847.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.00 330.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 330.20 Td (162.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 316.20 Td (Federal funds pur) Tj ET Q q 0 0 0 rg BT 108.35 316.20 Td (chased and securities loaned or) Tj ET Q q 0 0 0 rg BT 227.68 316.20 Td ( sold under) Tj ET Q q 0 0 0 rg BT 270.53 316.20 Td ( agr) Tj ET Q q 0 0 0 rg BT 285.62 316.20 Td (eements to) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 307.20 Td (r) Tj ET Q q 0 0 0 rg BT 42.83 307.20 Td (epur) Tj ET Q q 0 0 0 rg BT 60.67 307.20 Td (chase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 307.20 Td (133.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 307.20 Td (133.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 307.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 307.20 Td (133.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 307.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 293.20 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 99.74 297.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 293.20 Td (193.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 293.20 Td (193.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 293.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 293.20 Td (178.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.25 293.20 Td (15.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 279.20 Td (Other) Tj ET Q q 0 0 0 rg BT 61.83 279.20 Td ( financial liabilities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 134.84 283.28 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 279.20 Td (103.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 279.20 Td (103.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 279.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 279.20 Td (17.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.25 279.20 Td (86.6) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 210.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 210.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 210.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 210.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 210.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 210.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 182.75 305.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 182.75 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 182.75 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 182.75 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 182.75 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 182.75 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 145.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 145.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 145.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 145.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 145.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 145.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 117.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 117.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 117.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 117.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 117.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 117.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 80.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 80.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 80.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 80.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 80.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 80.75 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 341.5 238.75 m 391.5 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 238.75 m 441.5 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 238.75 m 486.5 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 238.75 m 531.5 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 238.75 m 576.5 238.75 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 341.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 210.75 m 391.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 210.75 m 441.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 210.75 m 486.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 210.75 m 531.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 210.75 m 576.5 210.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 131.75 m 341.5 131.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 131.75 m 391.5 131.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 131.75 m 441.5 131.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 131.75 m 486.5 131.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 131.75 m 531.5 131.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 131.75 m 576.5 131.75 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 341.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 52.75 m 391.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 52.75 m 441.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 52.75 m 486.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 52.75 m 531.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 52.75 m 576.5 52.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 243.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.60 243.21 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.25 243.21 Td (Estimated fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 229.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.00 224.21 Td (Carrying) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 215.21 Td (value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 224.21 Td (Estimated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.85 215.21 Td (fair value) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 215.00 Td (In billions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.85 215.21 Td (Level1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.85 215.21 Td (Level2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.85 215.21 Td (Level3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 201.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 201.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 201.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 201.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 201.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 201.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 187.21 Td (Investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 187.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.25 187.21 Td (60.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 187.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 187.21 Td (60.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 187.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 187.21 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 187.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.25 187.21 Td (57.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 187.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 187.21 Td (2.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 173.21 Td (Federal funds sold and securities borrowed and purchased under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 164.21 Td (resell) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.25 164.21 Td (99.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 164.21 Td (99.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 164.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.25 164.21 Td (94.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 164.21 Td (5.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 150.21 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 60.99 154.29 Td (\(1\)\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 150.21 Td (648.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 150.21 Td (644.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 150.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.75 150.21 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 150.21 Td (638.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 136.21 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 116.47 140.29 Td (\(2\)\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 136.21 Td (242.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 136.21 Td (243.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.75 136.21 Td (166.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.25 136.21 Td (14.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 136.21 Td (62.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 122.20 Td (Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 122.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 122.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 122.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 122.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 122.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 108.21 Td (Deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 108.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 108.21 Td (958.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 108.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 108.21 Td (955.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 108.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 108.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 108.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 108.21 Td (816.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 108.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 108.21 Td (139.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 94.21 Td (Federal funds purchased and securities loaned and sold under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 85.21 Td (repurchase) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 85.21 Td (1) Tj ET Q q 0 0 0 rg BT 372.25 85.21 Td (15.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 85.21 Td (1) Tj ET Q q 0 0 0 rg BT 422.25 85.21 Td (15.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 85.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 85.21 Td (1) Tj ET Q q 0 0 0 rg BT 512.25 85.21 Td (15.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 85.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 71.21 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 75.29 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 71.21 Td (205.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 71.21 Td (214.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 71.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 71.21 Td (187.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 71.21 Td (26.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 57.21 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 61.29 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 57.21 Td (129.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 57.21 Td (129.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 57.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.25 57.21 Td (15.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 57.21 Td (1) Tj ET Q q 0 0 0 rg BT 557.25 57.21 Td (14.4) Tj ET Q BT /F1 10.00 Tf ET 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 (264) 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 ($12.3 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, 2018) 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 ($12.4 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, 2017) 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 ($1.6 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 ($1.7 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, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 395.88 739.50 Td ( and 2017, respectively) Tj ET Q q 0 0 0 rg BT 469.56 739.50 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, 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 414.10 691.50 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.99 691.50 Td ( on the Consolidated Balance ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 681.90 Td (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 (The estimated fair values of the Company) Tj ET Q q 0 0 0 rg BT 224.50 657.90 Td (s corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 645.90 Td (unfunded lending commitments at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.42 645.90 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.00 645.90 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 633.90 Td (2017 were liabilities of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.98 633.90 Td ($7.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.09 633.90 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.53 633.90 Td ($3.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.64 633.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 621.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 83.66 621.90 Td (, substantially all of which are classified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 609.90 Td (Level3. ) Tj ET Q q 0 0 0 rg BT 71.08 609.90 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 36.00 597.90 Td (consumer unfunded lending commitments, which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 585.90 Td (generally cancelable by providing notice to the borrower) Tj ET Q q 0 0 0 rg BT 262.30 585.90 Td (.) Tj ET Q endstream endobj 531 0 obj <> endobj 532 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (265) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (25.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, other than DV) Tj ET Q q 0 0 0 rg BT 130.79 693.25 Td (A) Tj ET Q q 0 0 0 rg BT 137.46 693.25 Td ( \(see below\). ) Tj ET Q q 0 0 0 rg BT 191.15 693.25 Td (The election is made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 681.25 Td (upon the initial recognition of an eligible financial asset, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 669.25 Td (financial liability or firm commitment or when certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 657.25 Td (specified reconsideration events occur) Tj ET Q q 0 0 0 rg BT 188.44 657.25 Td (. ) Tj ET Q q 0 0 0 rg BT 193.26 657.25 Td (The fair value election ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 645.25 Td (may not be revoked once an election is made. ) Tj ET Q q 0 0 0 rg BT 220.75 645.25 Td (The changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (fair value are recorded in current earnings, other than DV) Tj ET Q q 0 0 0 rg BT 552.60 749.10 Td (A, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (which is reported in ) Tj ET Q q 0 0 0 rg BT 405.65 737.10 Td (AOCI. ) Tj ET Q q 0 0 0 rg BT 434.54 737.10 Td (Additional discussion regarding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (the 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 324.00 713.10 Td (presented in Note24 to the Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 701.10 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 Note21 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 of those items for which the fair value option has been elected:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 555.75 395.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 555.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 555.75 7.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 555.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 526.75 395.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 526.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 526.75 7.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 526.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 498.75 395.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 498.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 498.75 7.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 498.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 470.75 395.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 470.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 470.75 7.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 470.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 442.75 395.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 442.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 442.75 7.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 442.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 414.75 395.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 414.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 414.75 7.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 414.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 386.75 395.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 386.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 386.75 7.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 386.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 358.75 395.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 358.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 358.75 7.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 358.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 330.75 395.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 330.75 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 330.75 7.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 330.75 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 301.75 395.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 301.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 301.75 7.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 301.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 273.75 395.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 273.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 273.75 7.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 273.75 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 431.5 569.75 m 491.5 569.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 569.75 m 498.5 569.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 569.75 m 558.5 569.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 555.75 m 431.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 569.75 m 491.5 569.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 555.75 m 491.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 569.75 m 498.5 569.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 555.75 m 498.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 569.75 m 558.5 569.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 555.75 m 558.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 555.75 m 491.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 555.75 m 498.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 555.75 m 558.5 555.75 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 431.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 442.75 m 431.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 456.75 m 491.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 442.75 m 491.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 456.75 m 498.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 442.75 m 498.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 456.75 m 558.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 442.75 m 558.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 386.75 m 431.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 386.75 m 491.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 386.75 m 498.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 386.75 m 558.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 372.75 m 431.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 372.75 m 491.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 372.75 m 498.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 372.75 m 558.5 372.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 358.75 m 431.5 358.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 358.75 m 491.5 358.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 358.75 m 498.5 358.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 358.75 m 558.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 273.75 m 491.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 273.75 m 498.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 273.75 m 558.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 273.75 m 431.5 273.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 259.75 m 431.5 259.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 259.75 m 491.5 259.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 259.75 m 498.5 259.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 259.75 m 558.5 259.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.55 592.20 Td (Changes in fair) Tj ET Q q 0 0 0 rg BT 501.39 592.20 Td ( value gains ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.80 583.20 Td (\(losses\) for) Tj ET Q q 0 0 0 rg BT 483.88 583.20 Td ( the years ended ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.30 574.20 Td (December) Tj ET Q q 0 0 0 rg BT 507.11 574.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 574.20 Td () Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 560.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 560.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 560.21 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 546.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 531.21 Td (Federal funds sold and securities borrowed and purchased under agreements to resell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.00 531.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 531.20 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 531.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 531.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 531.21 Td (\(133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 531.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 517.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 517.21 Td (rading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.50 517.20 Td (\(337) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 517.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 517.21 Td (1,622) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 503.21 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 503.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 503.21 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 503.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 489.21 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 475.21 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 128.97 479.29 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.50 475.20 Td (\(1) Tj ET Q q 0 0 0 rg BT 479.00 475.20 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 475.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 475.21 Td (\(537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 475.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 461.21 Td (Certain consumer loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 461.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 461.21 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 447.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 447.21 Td (otal loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.00 447.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.50 447.20 Td (\(1) Tj ET Q q 0 0 0 rg BT 479.00 447.20 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 447.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 447.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 447.21 Td (\(534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 447.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 433.21 Td (Other assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 419.21 Td (MSRs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.00 419.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 419.20 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 419.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 419.21 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 405.21 Td (Certain mortgage loans HFS) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 147.74 409.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 405.20 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 405.21 Td (142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 391.21 Td ( Other assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 391.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 391.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 377.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 377.21 Td (otal other assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.00 377.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 377.20 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 377.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 377.21 Td (207) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 363.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 363.20 Td (otal assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.00 363.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.50 363.20 Td (\(367) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 363.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 363.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 363.21 Td (1,159) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 349.20 Td (Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 335.21 Td (Interest-bearing deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.00 335.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 335.20 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 335.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 335.21 Td (\(69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 335.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 322.01 Td (Federal funds purchased and securities loaned and sold under agreements to repurchase ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.50 320.20 Td (\(1) Tj ET Q q 0 0 0 rg BT 479.00 320.20 Td (18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 320.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 320.21 Td (223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 306.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 306.21 Td (rading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 306.20 Td (\(13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 306.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 306.21 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 292.21 Td (Short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.50 292.20 Td (150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 292.21 Td (\(1) Tj ET Q q 0 0 0 rg BT 546.00 292.21 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 292.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 278.21 Td (Long-term debt) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 95.23 282.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 278.20 Td (3,048) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 278.21 Td (\(1,491) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 278.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 264.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 264.20 Td (otal liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.00 264.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 264.20 Td (3,087) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 264.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 264.21 Td (\(1,383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 264.21 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 241.65 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 241.65 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 BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 232.05 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 232.05 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.10 232.05 Td ($1.4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 119.99 232.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.54 232.05 Td (\($0.7\) billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 177.76 232.05 Td ( of DV) Tj ET Q q 0 0 0 rg BT 198.95 232.05 Td (A) Tj ET Q q 0 0 0 rg BT 204.29 232.05 Td ( which is included in ) Tj ET Q q 0 0 0 rg BT 272.50 232.05 Td (AOCI for the years ended December 31, 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 493.68 232.05 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 (266) 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 \(DV) Tj ET Q q 0 0 0 rg BT 198.63 749.25 Td (A\)) 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 BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 45.26 701.25 Td (fective January 1, 2016, changes in fair value of fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (option liabilities related to changes in Citigroup) Tj ET Q q 0 0 0 rg BT 229.85 689.25 Td (s own credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (spreads \(DV) Tj ET Q q 0 0 0 rg BT 84.97 677.25 Td (A\) are reflected as a component of ) Tj ET Q q 0 0 0 rg BT 225.18 677.25 Td (AOCI. See ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (Note 1 to the Consolidated Financial Statements for additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (information. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 641.25 Td (Among other variables, the fair value of liabilities for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (which the fair value option has been elected \(other than non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (recourse and similar liabilities\) is impacted by the narrowing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (or widening of the Company) Tj ET Q q 0 0 0 rg BT 153.76 605.25 Td (s credit spreads. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 593.25 Td (The estimated change in the fair value of these liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (due to such changes in the Company) Tj ET Q q 0 0 0 rg BT 185.41 581.25 Td (s own credit spread \(or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (instrument-specific credit risk\) were a gain of $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.21 569.25 Td (1,415 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.10 569.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (and a loss of $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.77 557.25 Td (680 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.16 557.25 Td ( for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.51 557.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 545.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.44 545.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.44 545.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 148.10 545.25 Td (. Changes in fair value resulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 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 36.00 521.25 Td (by incorporating the Company) Tj ET Q q 0 0 0 rg BT 161.25 521.25 Td (s current credit spreads ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 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 36.00 497.25 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 324.00 749.25 Td (The Fair) Tj ET Q q 0 0 0 rg BT 361.31 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 363.63 749.25 Td (V) Tj ET Q q 0 0 0 rg BT 369.94 749.25 Td (alue Option for) Tj ET Q q 0 0 0 rg BT 435.31 749.25 Td ( Financial ) Tj ET Q q 0 0 0 rg BT 479.77 749.25 Td (Assets and Financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Liabilities) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (Selected Portfolios of Securities Purchased Under ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (Agreements to Resell, Securities Borrowed, Securities Sold ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 352.24 689.25 Td (Agreements to Repurchase, Securities Loaned and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (Certain Non-Collateralized Short-T) Tj ET Q q 0 0 0 rg BT 469.77 677.25 Td (erm Borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 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 324.00 653.25 Td (portfolios of fixed income securities purchased under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 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 324.00 629.25 Td (agreements to repurchase, securities borrowed, securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (loaned and certain non-collateralized short-term borrowings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (held primarily by broker) Tj ET Q q 0 0 0 rg BT 421.83 605.25 Td (-dealer entities in the United States, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 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 324.00 581.25 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 324.00 569.25 Td (portfolio basis, primarily with of) Tj ET Q q 0 0 0 rg BT 454.63 569.25 Td (fsetting derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (instruments that are accounted for at fair value through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (earnings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 533.25 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 324.00 521.25 Td (are recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 386.46 521.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.18 521.25 Td (. ) Tj ET Q q 0 0 0 rg BT 481.00 521.25 Td (The related interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 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 324.00 497.25 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 324.00 485.25 Td (as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 334.83 485.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 353.90 485.25 Td (est r) Tj ET Q q 0 0 0 rg BT 371.03 485.25 Td (evenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.28 485.25 Td (and) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 415.72 485.25 Td ( Inter) Tj ET Q q 0 0 0 rg BT 437.29 485.25 Td (est expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.54 485.25 Td ( in the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (Statement of Income.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (Certain Loans and Other Credit Products) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (Citigroup has also 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 (other originated and purchased loans, including certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (unfunded loan products, such as guarantees and letters of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (credit, executed by Citigroup) Tj ET Q q 0 0 0 rg BT 443.41 401.25 Td (s lending and trading businesses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (None of these credit products are highly leveraged financing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (commitments. Significant groups of transactions include loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 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 324.00 353.25 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 324.00 341.25 Td (economic risks are hedged with derivative instruments, such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 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 324.00 317.25 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 324.00 305.25 Td (third party) Tj ET Q q 0 0 0 rg BT 365.28 305.25 Td (. Citigroup has elected the fair value option to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (mitigate accounting mismatches in cases where hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (accounting is complex and to achieve operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 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 324.00 257.25 Td (transactions across the Company) Tj ET Q q 0 0 0 rg BT 454.71 257.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 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 35.50 185.75 325.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 185.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 185.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 185.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 185.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 157.75 325.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 157.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 157.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 157.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 157.75 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 360.5 208.75 m 425.5 208.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 208.75 m 470.5 208.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 208.75 m 530.5 208.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 208.75 m 575.5 208.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 185.75 m 360.5 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 185.75 m 425.5 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 208.75 m 470.5 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 185.75 m 470.5 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 185.75 m 530.5 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 185.75 m 575.5 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 185.75 m 470.5 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 171.75 m 470.5 157.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 157.75 m 470.5 143.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 120.75 m 360.5 120.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 120.75 m 425.5 120.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 143.75 m 470.5 120.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 120.75 m 470.5 120.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 120.75 m 530.5 120.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 120.75 m 575.5 120.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 213.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.70 213.20 Td (December) Tj ET Q q 0 0 0 rg BT 417.59 213.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.10 213.21 Td (December 31, 2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 190.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.95 190.20 Td (T) Tj ET Q q 0 0 0 rg BT 370.62 190.20 Td (rading assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.70 190.20 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 190.21 Td (T) Tj ET Q q 0 0 0 rg BT 479.59 190.21 Td (rading assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 190.21 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 176.21 Td (Carrying amount reported on the Consolidated Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 176.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.25 176.20 Td (10,108) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.00 176.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 176.20 Td (3,224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 176.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 176.21 Td (8,851) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.00 176.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 176.21 Td (4,374) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 162.21 Td (Aggregate unpaid principal balance in excess of fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 162.20 Td (435) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 162.20 Td (741) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.50 162.21 Td (623) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 162.21 Td (682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 148.21 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 413.00 148.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.50 148.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 148.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 148.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 134.21 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 38.00 125.21 Td (loans more than 90days past due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 125.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 125.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 125.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 125.21 Td (1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 100.25 Td (In addition to the amounts reported above, $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.18 100.25 Td (1,137 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.07 100.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 88.25 Td (and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.94 88.25 Td (508 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.33 88.25 Td ( of unfunded commitments related to certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 76.25 Td (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 64.25 Td (outstanding as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.83 64.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.41 64.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.85 64.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.85 64.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 277.51 64.25 Td (.) Tj ET Q endstream endobj 535 0 obj <> endobj 536 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 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 36.00 737.10 Td (products are classified in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 138.19 737.10 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.91 737.10 Td ( in Citi) Tj ET Q q 0 0 0 rg BT 258.47 737.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (Consolidated Statement of Income. Related interest revenue is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (measured based on the contractual interest rates and reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 46.83 701.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 65.90 701.10 Td (est r) Tj ET Q q 0 0 0 rg BT 83.03 701.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.78 701.10 Td ( on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 125.78 701.10 Td (T) Tj ET Q q 0 0 0 rg BT 130.79 701.10 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.01 701.10 Td ( or loan interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (depending on the balance sheet classifications of the credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 75.26 677.10 Td (The changes in fair value for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 665.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.02 665.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.02 665.10 Td ( due to instrument-specific credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (risk totaled to a loss of $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.32 653.10 Td (27 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.71 653.10 Td ( and a gain of $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.64 653.10 Td (10 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.03 653.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 83.66 641.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (Certain Investments in Unallocated Precious Metals) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (Citigroup invests in unallocated precious metals accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (\(gold, silver) Tj ET Q q 0 0 0 rg BT 83.92 593.10 Td (, platinum and palladium\) as part of its commodity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (and foreign currency trading activities or to economically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (hedge certain exposures from issuing structured liabilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 62.94 557.10 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 36.00 545.10 Td (contract and a commodity forward derivative instrument. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 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 36.00 521.10 Td (and reports the debt host contract within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 199.57 521.10 Td (T) Tj ET Q q 0 0 0 rg BT 204.58 521.10 Td (rading account ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.89 509.10 Td ( on the Company) Tj ET Q q 0 0 0 rg BT 131.27 509.10 Td (s Consolidated Balance Sheet. ) Tj ET Q q 0 0 0 rg BT 254.68 509.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 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 36.00 485.10 Td (precious metals accounts was approximately $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.78 485.10 Td (0.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.89 485.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 41.00 473.10 Td (0.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.11 473.10 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.33 473.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.91 473.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.35 473.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.35 473.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 265.01 473.10 Td (. ) Tj ET Q q 0 0 0 rg BT 269.83 473.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 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 36.00 449.10 Td (future periods.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 437.10 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 36.00 425.10 Td (activities, Citi trades unallocated precious metals investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (and executes forward purchase and forward sale derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (contracts with trading counterparties. ) Tj ET Q q 0 0 0 rg BT 187.16 401.10 Td (When Citi sells an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (unallocated precious metals investment, Citi) Tj ET Q q 0 0 0 rg BT 216.23 389.10 Td (s receivable from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 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 36.00 365.10 Td (investment in the unallocated precious metal. ) Tj ET Q q 0 0 0 rg BT 219.37 365.10 Td (The forward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (purchase or sale contract with the trading counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (indexed to unallocated precious metals is accounted for as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (derivative, at fair value through earnings. ) Tj ET Q q 0 0 0 rg BT 203.16 329.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.61 329.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 317.10 Td (, there were approximately $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.67 317.10 Td (13.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.79 317.10 Td ( and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.22 317.10 Td (10.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.34 317.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (in notional amounts of such forward purchase and forward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (sale derivative contracts outstanding, respectively) Tj ET Q q 0 0 0 rg BT 234.45 293.10 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 elected the fair value option for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (non-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 /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 333.26 461.25 Td (fective January 1, 2018 under ) Tj ET Q q 0 0 0 rg BT 453.78 461.25 Td (ASU 2016-01 and ) Tj ET Q q 0 0 0 rg BT 528.50 461.25 Td (ASU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (2018-03, a fair value option election is no longer required to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (measure these non-marketable equity securities through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (earnings. See Note 1 to the Consolidated Financial Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (for additional details. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (Certain Mortgage Loans Held-for-Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 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 324.00 365.25 Td (purchased and originated prime fixed-rate and conforming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (adjustable-rate first mortgage loans HFS. ) Tj ET Q q 0 0 0 rg BT 491.00 353.25 Td (These loans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 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 324.00 329.25 Td (derivative instruments. ) Tj ET Q q 0 0 0 rg BT 417.96 329.25 Td (The Company has elected the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (value option to mitigate accounting mismatches in cases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 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 324.00 293.25 Td (simplifications.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 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 35.50 223.60 398.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 223.60 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 223.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 195.60 398.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 195.60 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 195.60 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 35.5 223.60000000000002 m 433.5 223.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 223.60000000000002 m 505.5 223.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 223.60000000000002 m 575.5 223.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 223.60000000000002 m 505.5 223.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 158.60000000000002 m 433.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 158.60000000000002 m 505.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 158.60000000000002 m 575.5 158.60000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 227.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.80 237.05 Td (December) Tj ET Q q 0 0 0 rg BT 481.61 237.05 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 228.05 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.75 237.06 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 228.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 214.06 Td (Carrying amount reported on the Consolidated Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 214.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 214.05 Td (556) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 214.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 214.06 Td (426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 200.06 Td (Aggregate fair value in excess of \(less than\) unpaid principal balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 200.05 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 200.06 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 186.06 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 493.00 186.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 186.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 172.06 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 38.00 163.06 Td (past due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 163.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 163.06 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 138.10 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 36.00 126.10 Td (reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 82.09 126.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 111.44 126.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.20 126.10 Td ( in the Company) Tj ET Q q 0 0 0 rg BT 208.36 126.10 Td (s Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 114.10 Td (Statement of Income. ) Tj ET Q q 0 0 0 rg BT 124.13 114.10 Td (There was no net change in fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 102.10 Td (during the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.30 102.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.88 102.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.32 102.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.32 102.10 Td ( due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 90.10 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 78.10 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 66.10 Td (rates and reported as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 120.96 66.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 140.03 66.10 Td (est r) Tj ET Q q 0 0 0 rg BT 157.16 66.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.91 66.10 Td ( in the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 54.10 Td (Statement of Income.) 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 33.60 Td (268) 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 36.00 617.25 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 36.00 605.25 Td (instrument:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 580.75 374.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 580.75 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 580.75 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 552.75 374.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 552.75 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 552.75 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 524.75 374.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 524.75 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 524.75 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 35.5 580.75 m 409.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 580.75 m 492.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 580.75 m 575.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 510.75 m 409.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 510.75 m 492.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 510.75 m 575.5 510.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 496.75 m 409.5 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 496.75 m 492.5 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 496.75 m 575.5 496.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 585.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.20 585.20 Td (December) Tj ET Q q 0 0 0 rg BT 453.01 585.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.10 585.21 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 571.21 Td (Interest rate linked) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 571.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.25 571.20 Td (17.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 571.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 571.21 Td (13.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 557.21 Td (Foreign exchange linked) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.75 557.20 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 557.21 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 543.21 Td (Equity linked) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.25 543.20 Td (14.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 543.21 Td (13.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 529.21 Td (Commodity linked) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.75 529.20 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 529.21 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 515.21 Td (Credit linked) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.75 515.20 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 515.21 Td (1.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 501.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 501.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 501.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.25 501.20 Td (35.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 501.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 501.21 Td (29.3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 476.25 Td (Prior to 2016, the total change in the fair value of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 464.25 Td (structured liabilities was reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 182.35 464.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.07 464.25 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 452.25 Td (the Company) Tj ET Q q 0 0 0 rg BT 92.38 452.25 Td (s Consolidated Statement of Income. Beginning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 440.25 Td (in the first quarter of 2016, the portion of the changes in fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 428.25 Td (value attributable to changes in Citigroup) Tj ET Q q 0 0 0 rg BT 204.57 428.25 Td (s own credit spreads ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 416.25 Td (\(DV) Tj ET Q q 0 0 0 rg BT 52.48 416.25 Td (A\) is reflected as a component of ) Tj ET Q q 0 0 0 rg BT 187.16 416.25 Td (AOCI while all other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 404.25 Td (changes in fair value will continue to be reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 244.82 404.25 Td (Principal ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 392.25 Td (transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.45 392.25 Td (. Changes in the fair value of these structured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 380.25 Td (liabilities include accrued interest, which is also included in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 368.25 Td (the change in fair value reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 178.44 368.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.16 368.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 344.25 Td (Certain Non-Structured Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 332.25 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 36.00 320.25 Td (structured liabilities with fixed and floating interest rates. ) Tj ET Q q 0 0 0 rg BT 267.70 320.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 308.25 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 324.00 476.25 Td (rate risk of such liabilities may be economically hedged with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 464.25 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 324.00 452.25 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 324.00 440.25 Td (through earnings. ) Tj ET Q q 0 0 0 rg BT 396.30 440.25 Td (The elections have been made to mitigate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 428.25 Td (accounting mismatches and to achieve operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 416.25 Td (simplifications. ) Tj ET Q q 0 0 0 rg BT 388.26 416.25 Td (These positions are reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 514.05 416.25 Td (Short-term ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 404.25 Td (borr) Tj ET Q q 0 0 0 rg BT 341.41 404.25 Td (owings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.75 404.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 389.19 404.25 Td (Long-term debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.13 404.25 Td ( on the Company) Tj ET Q q 0 0 0 rg BT 522.51 404.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 392.25 Td (Consolidated Balance Sheet. ) Tj ET Q q 0 0 0 rg BT 441.01 392.25 Td (The portion of the changes in fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 380.25 Td (value attributable to changes in Citigroup) Tj ET Q q 0 0 0 rg BT 492.57 380.25 Td (s own credit spreads ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 368.25 Td (\(DV) Tj ET Q q 0 0 0 rg BT 340.48 368.25 Td (A\) is reflected as a component of ) Tj ET Q q 0 0 0 rg BT 475.16 368.25 Td (AOCI while all other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 356.25 Td (changes in fair value will continue to be reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 532.82 356.25 Td (Principal ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 344.25 Td (transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.45 344.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 332.25 Td ( Interest expense on non-structured liabilities is measured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 320.25 Td (based on the contractual interest rates and reported as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 540.30 320.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 559.37 320.25 Td (est ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 308.25 Td (expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.65 308.25 Td ( in the Consolidated Statement of Income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 284.25 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 35.50 245.75 378.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 413.50 245.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 245.75 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 35.5 259.75 m 413.5 259.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 259.75 m 498.5 259.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 259.75 m 575.5 259.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 231.75 m 413.5 231.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 231.75 m 498.5 231.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 231.75 m 575.5 231.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 264.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.20 264.20 Td (December) Tj ET Q q 0 0 0 rg BT 458.01 264.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.10 264.21 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 250.21 Td (Carrying amount reported on the Consolidated Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 250.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.25 250.20 Td (38,229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 250.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 250.21 Td (31,392) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 236.21 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 474.75 236.20 Td (3,814) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 236.21 Td (\(579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 236.21 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 208.25 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 35.50 183.75 372.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 183.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 183.75 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 35.5 183.75 m 407.5 183.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 183.75 m 492.5 183.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 183.75 m 575.5 183.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 155.75 m 407.5 155.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 155.75 m 492.5 155.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 155.75 m 575.5 155.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 188.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.20 188.20 Td (December) Tj ET Q q 0 0 0 rg BT 452.01 188.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.10 188.21 Td (December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 174.21 Td (Carrying amount reported on the Consolidated Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 174.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.75 174.20 Td (4,483) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 174.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 174.21 Td (4,627) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 160.21 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 475.50 160.20 Td (861) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 160.21 Td (74) Tj ET Q BT /F1 10.00 Tf ET 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 (269) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (26.PLEDGED ) Tj ET Q q 0 0 0 rg BT 106.29 742.25 Td (ASSETS, COLLA) Tj ET Q q 0 0 0 rg BT 183.35 742.25 Td (TERAL, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (GUARANTEES ) Tj ET Q q 0 0 0 rg BT 107.41 730.25 Td (AND COMMITMENTS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 704.85 Td (Pledged ) Tj ET Q q 0 0 0 rg BT 71.83 704.85 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 692.85 Td (In connection with Citi) Tj ET Q q 0 0 0 rg BT 131.26 692.85 Td (s financing and trading activities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 680.85 Td (Citi has pledged assets to collateralize its obligations under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 668.85 Td (repurchase agreements, secured financing agreements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 656.85 Td (secured liabilities of consolidated ) Tj ET Q q 0 0 0 rg BT 172.45 656.85 Td (VIEs and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 644.85 Td (borrowings. ) Tj ET Q q 0 0 0 rg BT 86.37 644.85 Td (The approximate carrying values of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 632.85 Td (significant components of pledged assets recognized on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 620.85 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 620.85 Td (s Consolidated Balance Sheet included the following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 46.10 567.35 106.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.10 567.35 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 213.10 567.35 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 46.10 539.35 106.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.10 539.35 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 213.10 539.35 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 46.1 581.35 m 152.1 581.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.1 581.35 m 213.1 581.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.1 581.35 m 270.1 581.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 46.1 539.35 m 152.1 539.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 46.1 525.35 m 152.1 525.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.1 539.35 m 213.1 539.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 152.1 525.35 m 213.1 525.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.1 539.35 m 270.1 539.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 213.1 525.35 m 270.1 525.35 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 48.60 585.60 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.90 594.80 Td (December) Tj ET Q q 0 0 0 rg BT 194.71 594.80 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 173.10 585.80 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.85 594.81 Td (December31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.10 585.81 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.60 571.81 Td (Investment securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 154.60 571.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 180.35 571.80 Td (148,756) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.60 571.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.35 571.81 Td (138,807) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.60 557.81 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 180.35 557.80 Td (227,840) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.35 557.81 Td (229,552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.60 543.81 Td (T) Tj ET Q q 0 0 0 rg BT 53.78 543.81 Td (rading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 180.35 543.80 Td (120,292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.35 543.81 Td (104,360) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.60 529.80 Td (T) Tj ET Q q 0 0 0 rg BT 53.78 529.80 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 154.60 529.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 180.35 529.80 Td (496,888) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.60 529.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.35 529.81 Td (472,719) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 501.85 Td (Restricted Cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 489.85 Td (Citigroup defines restricted cash \(as cash subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 477.85 Td (withdrawal restrictions\) to include cash deposited with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 465.85 Td (central banks that must be maintained to meet minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 453.85 Td (regulatory requirements, and cash set aside for the benefit of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 441.85 Td (customers or for other purposes such as compensating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 429.85 Td (balance arrangements or debt retirement. Restricted cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 417.85 Td (includes minimum reserve requirements with the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 405.85 Td (Reserve Bank and certain other central banks and cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 393.85 Td (segregated to satisfy rules regarding the protection of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 381.85 Td (customer assets as required by Citigroup broker) Tj ET Q q 0 0 0 rg BT 226.86 381.85 Td (-dealers) Tj ET Q q 0 0 0 rg BT 261.10 381.85 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 369.85 Td (primary regulators, including the United States Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 357.85 Td (and Exchange Commission \(SEC\), the Commodities Futures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 345.85 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 345.85 Td (rading Commission and the United Kingdom) Tj ET Q q 0 0 0 rg BT 224.80 345.85 Td (s Prudential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 333.85 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 81.83 333.85 Td (Authority) Tj ET Q q 0 0 0 rg BT 120.07 333.85 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 321.85 Td (Restricted cash is included on the Consolidated Balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 309.85 Td (Sheet within the following balance sheet lines:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.60 273.35 123.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.60 273.35 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.60 273.35 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.60 243.35 123.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.60 243.35 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.60 243.35 57.00 -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 35.6 273.35 m 158.6 273.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.6 273.35 m 223.6 273.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.6 273.35 m 280.6 273.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.6 243.35000000000002 m 158.6 243.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.6 243.35000000000002 m 223.6 243.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.6 243.35000000000002 m 280.6 243.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.6 228.35000000000002 m 158.6 228.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 158.6 228.35000000000002 m 223.6 228.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 223.6 228.35000000000002 m 280.6 228.35000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.10 277.60 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.40 286.80 Td (December) Tj ET Q q 0 0 0 rg BT 203.21 286.80 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.60 277.80 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.35 286.81 Td (December31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.60 277.81 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.10 262.81 Td (Cash and due from banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 161.10 262.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.85 262.80 Td (4,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.10 262.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.85 262.81 Td (3,151) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.10 247.81 Td (Deposits with banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.35 247.80 Td (27,208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.35 247.81 Td (27,664) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.10 232.80 Td (T) Tj ET Q q 0 0 0 rg BT 43.28 232.80 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 161.10 232.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.35 232.80 Td (31,208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.10 232.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.35 232.81 Td (30,815) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 204.85 Td (In addition, included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 149.82 204.85 Td (Cash and due fr) Tj ET Q q 0 0 0 rg BT 213.61 204.85 Td (om banks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.67 204.85 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 192.85 Td (Deposits with banks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.56 192.85 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.77 192.85 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.36 192.85 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.80 192.85 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.80 192.85 Td ( were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 180.85 Td ($8.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.11 180.85 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.55 180.85 Td ($7.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.67 180.85 Td (, respectively) Tj ET Q q 0 0 0 rg BT 200.33 180.85 Td (, of cash segregated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 168.85 Td (under federal and other brokerage regulations or deposited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 156.85 Td (with clearing or) Tj ET Q q 0 0 0 rg BT 99.13 156.85 Td (ganizations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.25 742.25 Td (Collateral) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 730.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.75 730.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.33 730.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.77 730.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.77 730.25 Td (, the approximate fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 718.25 Td (of collateral received by Citi that may be resold or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 706.25 Td (repledged, excluding the impact of allowable netting, was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 694.25 Td ($526.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.36 694.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 694.25 Td ($457.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.92 694.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 501.58 694.25 Td (. ) Tj ET Q q 0 0 0 rg BT 506.40 694.25 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 682.25 Td (collateral was received in connection with resale agreements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 670.25 Td (securities borrowings and loans, securities for securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 658.25 Td (lending transactions, derivative transactions and mar) Tj ET Q q 0 0 0 rg BT 527.56 658.25 Td (gined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 646.25 Td (broker loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 634.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.75 634.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.33 634.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.77 634.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.77 634.25 Td (, a substantial portion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 622.25 Td (of the collateral received by Citi had been sold or repledged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 610.25 Td (in connection with repurchase agreements, securities sold, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 598.25 Td (not yet purchased, securities borrowings and loans, pledges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 586.25 Td (to clearing or) Tj ET Q q 0 0 0 rg BT 370.38 586.25 Td (ganizations, segregation requirements under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 574.25 Td (securities laws and regulations, derivative transactions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 562.25 Td (bank loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 550.25 Td (In addition, at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.57 550.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 550.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.59 550.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.59 550.25 Td (, Citi had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 538.25 Td (pledged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.41 538.25 Td ($373.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.52 538.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.96 538.25 Td ($363.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.07 538.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 535.73 538.25 Td (, of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 526.25 Td (collateral that may not be sold or repledged by the secured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 514.25 Td (parties.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.25 490.25 Td (Lease Commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 478.25 Td (Rental expense \(principally for of) Tj ET Q q 0 0 0 rg BT 452.02 478.25 Td (fices, branches and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 466.25 Td (computer equipment\) was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.61 466.25 Td ($1.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.72 466.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.72 466.25 Td ($1.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.83 466.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.27 466.25 Td ($1.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 454.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.36 454.25 Td ( for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.72 454.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.30 454.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.30 454.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.30 454.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 442.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.25 442.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 389.91 442.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 430.25 Td (Future minimum annual rentals under non-cancelable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 418.25 Td (leases, net of sublease income, are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 316.85 370.75 188.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.85 370.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.85 342.75 188.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.85 342.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.85 314.75 188.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.85 314.75 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 316.85 384.75 m 504.85 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.85 384.75 m 561.85 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.85 384.75 m 561.85 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.85 300.75 m 504.85 300.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.85 286.75 m 504.85 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.85 300.75 m 561.85 300.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 504.85 286.75 m 561.85 286.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 319.35 389.00 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.35 375.21 Td (2019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.35 375.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.85 375.21 Td (925) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.35 361.21 Td (2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.85 361.21 Td (748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.35 347.21 Td (2021) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.85 347.21 Td (657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.35 333.21 Td (2022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.85 333.21 Td (525) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.35 319.21 Td (2023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.85 319.21 Td (394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.35 305.21 Td (Thereafter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.10 305.21 Td (1,890) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.35 291.21 Td (T) Tj ET Q q 0 0 0 rg BT 324.22 291.21 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.35 291.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.10 291.21 Td (5,139) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.25 263.25 Td (Guarantees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 251.25 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 317.25 239.25 Td (its customers to enhance their credit standing and enable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 227.25 Td (them to complete a wide variety of business transactions. For) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 215.25 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 317.25 203.25 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 317.25 191.25 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 335.25 179.25 Td (In addition, the guarantor must disclose the maximum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 167.25 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 317.25 155.25 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 317.25 143.25 Td (default by the guaranteed parties. ) Tj ET Q q 0 0 0 rg BT 452.57 143.25 Td (The determination of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 131.25 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 317.25 119.25 Td (amount of the guarantees without consideration of possible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 107.25 Td (recoveries under recourse provisions or from collateral held ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 95.25 Td (or pledged. ) Tj ET Q q 0 0 0 rg BT 364.18 95.25 Td (As such, Citi believes such amounts bear no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 83.25 Td (relationship to the anticipated losses, if any) Tj ET Q q 0 0 0 rg BT 489.61 83.25 Td (, on these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 71.25 Td (guarantees.) Tj ET Q 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 (270) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (The following tables present information about Citi) Tj ET Q q 0 0 0 rg BT 244.85 742.10 Td (s guarantees:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 685.60 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.75 685.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.75 685.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.75 685.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.75 685.60 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 657.60 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.75 657.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.75 657.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.75 657.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.75 657.60 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 629.60 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.75 629.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.75 629.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.75 629.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.75 629.60 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 601.60 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.75 601.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.75 601.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.75 601.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.75 601.60 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 573.60 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.75 573.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.75 573.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.75 573.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.75 573.60 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 282.75 708.6 m 345.75 708.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.75 708.6 m 408.75 708.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 708.6 m 470.75 708.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 685.6 m 282.75 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 685.6 m 345.75 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.75 685.6 m 408.75 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 685.6 m 470.75 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.75 685.6 m 561.75 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 685.6 m 345.75 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.75 685.6 m 408.75 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 685.6 m 470.75 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.75 685.6 m 561.75 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 573.6 m 282.75 573.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 559.6 m 282.75 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 573.6 m 345.75 573.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 559.6 m 345.75 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.75 573.6 m 408.75 573.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 345.75 559.6 m 408.75 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 573.6 m 470.75 573.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 559.6 m 470.75 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.75 573.6 m 561.75 573.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 470.75 559.6 m 561.75 559.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 713.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.30 722.05 Td (Maximum potential amount of futur) Tj ET Q q 0 0 0 rg BT 444.13 722.05 Td (e) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.70 713.05 Td (payments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.25 713.05 Td () Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.25 697.85 Td (In billions of dollars at December 31, 2018, except carrying value in) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.25 689.85 Td (millions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.45 699.05 Td (Expir) Tj ET Q q 0 0 0 rg BT 309.29 699.05 Td (e within) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.95 690.05 Td (1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.50 699.05 Td (Expir) Tj ET Q q 0 0 0 rg BT 375.34 699.05 Td (e after) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.95 690.05 Td (1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.50 699.05 Td (T) Tj ET Q q 0 0 0 rg BT 418.68 699.05 Td (otal amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.45 690.05 Td (outstanding) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.60 699.20 Td (Carrying value) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 475.10 690.05 Td (\(in millions of dollars\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 676.05 Td (Financial standby letters of cr) Tj ET Q q 0 0 0 rg BT 153.16 676.05 Td (edit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.25 676.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 676.05 Td (31.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.25 676.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 676.05 Td (65.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.25 676.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 676.05 Td (97.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.25 676.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.75 676.05 Td (131) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 662.05 Td (Performance guarantees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 662.05 Td (7.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 662.05 Td (4.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 662.05 Td (1) Tj ET Q q 0 0 0 rg BT 456.00 662.05 Td (1.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.25 662.05 Td (29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 648.05 Td (Derivative instruments consider) Tj ET Q q 0 0 0 rg BT 161.15 648.05 Td (ed to be guarantees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 648.05 Td (23.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 648.05 Td (87.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 648.05 Td (1) Tj ET Q q 0 0 0 rg BT 451.50 648.05 Td (10.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.75 648.05 Td (567) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 634.05 Td (Loans sold with r) Tj ET Q q 0 0 0 rg BT 104.93 634.05 Td (ecourse) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.25 634.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 634.05 Td (1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 634.05 Td (1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.75 634.05 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 620.05 Td (Securities lending indemnifications) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 172.76 624.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 620.05 Td (98.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.25 620.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 620.05 Td (98.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.25 620.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 606.05 Td (Cr) Tj ET Q q 0 0 0 rg BT 48.58 606.05 Td (edit card mer) Tj ET Q q 0 0 0 rg BT 100.40 606.05 Td (chant pr) Tj ET Q q 0 0 0 rg BT 132.99 606.05 Td (ocessing) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 164.49 610.13 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 606.05 Td (95.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.25 606.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 606.05 Td (95.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.25 606.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 592.05 Td (Cr) Tj ET Q q 0 0 0 rg BT 48.66 592.05 Td (edit card arrangements with partners) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 592.05 Td (0.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 592.05 Td (0.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 592.05 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.75 592.05 Td (162) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 578.05 Td (Custody indemnifications and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.25 578.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 578.05 Td (35.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 578.05 Td (35.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.25 578.05 Td (41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 564.05 Td (T) Tj ET Q q 0 0 0 rg BT 43.43 564.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.25 564.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 564.05 Td (256.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.25 564.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 564.05 Td (194.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.25 564.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 564.05 Td (450.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.25 564.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.75 564.05 Td (939) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 503.60 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.75 503.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.75 503.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.75 503.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.75 503.60 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 475.60 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.75 475.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.75 475.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.75 475.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.75 475.60 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 447.60 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.75 447.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.75 447.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.75 447.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.75 447.60 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 419.60 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.75 419.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.75 419.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.75 419.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.75 419.60 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 391.60 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.75 391.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.75 391.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.75 391.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.75 391.60 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 282.75 526.6 m 345.75 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.75 526.6 m 408.75 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 526.6 m 470.75 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 503.6 m 282.75 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 503.6 m 345.75 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.75 503.6 m 408.75 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 503.6 m 470.75 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.75 503.6 m 561.75 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 503.6 m 345.75 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.75 503.6 m 408.75 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 503.6 m 470.75 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.75 503.6 m 561.75 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 391.6 m 345.75 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.75 391.6 m 408.75 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 391.6 m 470.75 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.75 391.6 m 561.75 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 391.6 m 282.75 391.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 377.6 m 282.75 377.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 391.6 m 345.75 391.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 377.6 m 345.75 377.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.75 391.6 m 408.75 391.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 345.75 377.6 m 408.75 377.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 391.6 m 470.75 391.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 377.6 m 470.75 377.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.75 391.6 m 561.75 391.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 470.75 377.6 m 561.75 377.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 531.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.85 531.06 Td (Maximum potential amount of future payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.25 531.06 Td () Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.25 515.85 Td (In billions of dollars at December 31, 2017, except carrying value in) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.25 507.85 Td (millions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.10 517.06 Td (Expire within) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.60 508.06 Td (1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.35 517.06 Td (Expire after) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.60 508.06 Td (1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.40 517.06 Td (T) Tj ET Q q 0 0 0 rg BT 420.27 517.06 Td (otal amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 508.06 Td (outstanding) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.85 517.86 Td (Carrying value) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 475.10 508.85 Td (\(in millions of dollars\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 494.06 Td (Financial standby letters of credit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.25 494.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 494.06 Td (27.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 494.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.50 494.06 Td (65.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.25 494.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 494.06 Td (93.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.25 494.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.25 494.06 Td (93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 480.06 Td (Performance guarantees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 480.06 Td (7.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 480.06 Td (4.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 480.06 Td (1) Tj ET Q q 0 0 0 rg BT 456.00 480.06 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.25 480.06 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 466.06 Td (Derivative instruments considered to be guarantees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 466.06 Td (1) Tj ET Q q 0 0 0 rg BT 331.00 466.06 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.50 466.06 Td (84.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 466.06 Td (95.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.75 466.06 Td (423) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 452.06 Td (Loans sold with recourse) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.25 452.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 452.06 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 452.06 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.75 452.06 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 438.06 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 165.72 442.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 438.06 Td (103.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.25 438.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.00 438.06 Td (103.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.25 438.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 424.06 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 154.96 428.14 Td (\(1\)\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 424.06 Td (85.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.25 424.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 424.06 Td (85.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.25 424.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 410.86 Td (Credit card arrangements with partners) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 410.06 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 410.06 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 410.06 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.75 410.06 Td (205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 396.06 Td (Custody indemnifications and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.25 396.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.50 396.06 Td (36.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 396.06 Td (36.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.25 396.06 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 382.06 Td (T) Tj ET Q q 0 0 0 rg BT 43.12 382.06 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.25 382.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 382.06 Td (235.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 382.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 382.06 Td (193.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.25 382.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.00 382.06 Td (429.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.25 382.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.75 382.06 Td (809) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 360.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 360.50 Td (The carrying values of securities lending indemnifications and credit card merchant processing were not material for either period presented, as the probability ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 350.90 Td (of potential liabilities arising from these guarantees is minimal.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 341.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 341.30 Td (At ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 64.00 341.30 Td (December31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 126.87 341.30 Td ( and 2017, this maximum potential exposure was estimated to be ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 336.16 341.30 Td ($95 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.05 341.30 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.60 341.30 Td ($86 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.49 341.30 Td (, respectively) Tj ET Q q 0 0 0 rg BT 463.62 341.30 Td (. However) Tj ET Q q 0 0 0 rg BT 496.62 341.30 Td (, Citi believes that ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 331.70 Td (the maximum exposure is not representative of the actual potential loss exposure based on its historical experience. ) Tj ET Q q 0 0 0 rg BT 424.41 331.70 Td (This contingent liability is unlikely to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 322.10 Td (arise, as most products and services are delivered when purchased and amounts are refunded when items are returned to merchants.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (Financial Standby Letters of Credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 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 36.00 274.10 Td (credit for that of the borrower) Tj ET Q q 0 0 0 rg BT 154.56 274.10 Td (. If a letter of credit is drawn ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 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 36.00 250.10 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 36.00 238.10 Td (obligations. Financial standby letters of credit include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (\(i\)guarantees of payment of insurance premiums and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (reinsurance risks that support industrial revenue bond ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (underwriting, \(ii\)settlement of payment obligations to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (clearing houses, including futures and over) Tj ET Q q 0 0 0 rg BT 207.97 190.10 Td (-the-counter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (derivatives clearing \(see further discussion below\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 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 36.00 154.10 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 36.00 142.10 Td (backstop loans, credit facilities, promissory notes and trade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (acceptances.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.25 298.10 Td (Performance Guarantees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 286.10 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 317.25 274.10 Td (guarantee a customer) Tj ET Q q 0 0 0 rg BT 402.58 274.10 Td () Tj ET Q q 0 0 0 rg BT 405.36 274.10 Td (s tender bid on a construction or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 262.10 Td (systems-installation project or to guarantee completion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 250.10 Td (such projects in accordance with contract terms. ) Tj ET Q q 0 0 0 rg BT 511.99 250.10 Td (They are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 238.10 Td (also issued to support a customer) Tj ET Q q 0 0 0 rg BT 450.10 238.10 Td () Tj ET Q q 0 0 0 rg BT 452.88 238.10 Td (s obligation to supply ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 226.10 Td (specified products, commodities or maintenance or warranty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 214.10 Td (services to a third party) Tj ET Q q 0 0 0 rg BT 410.46 214.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.25 190.10 Td (Derivative Instruments Considered to Be Guarantees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 178.10 Td (Derivatives are financial instruments whose cash flows are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 166.10 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 317.25 154.10 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 317.25 142.10 Td (investment, and whose terms require or permit net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 130.10 Td (settlement. For a discussion of Citi) Tj ET Q q 0 0 0 rg BT 459.46 130.10 Td (s derivatives activities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 118.10 Td (see Note22 to the Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 106.10 Td (Derivative instruments considered to be guarantees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 94.10 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 317.25 82.10 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 317.25 70.10 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 317.25 58.10 Td (an equity security held by the guaranteed party) Tj ET Q q 0 0 0 rg BT 504.03 58.10 Td (. More ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 46.10 Td (specifically) Tj ET Q q 0 0 0 rg BT 362.69 46.10 Td (, derivative instruments considered to be ) 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 (271) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (guarantees include certain over) Tj ET Q q 0 0 0 rg BT 160.46 742.10 Td (-the-counter written put ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (options where the counterparty is not a bank, hedge fund or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (broker) Tj ET Q q 0 0 0 rg BT 61.90 718.10 Td (-dealer \(such counterparties are considered to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (dealers in these markets and may) Tj ET Q q 0 0 0 rg BT 167.80 706.10 Td (, therefore, not hold the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (underlying instruments\). Credit derivatives sold by Citi are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (excluded from the tables above as they are disclosed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (separately in Note22 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (Statements. In instances where Citi) Tj ET Q q 0 0 0 rg BT 179.58 658.10 Td (s maximum potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (future payment is unlimited, the notional amount of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (contract is disclosed.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (Loans Sold with Recourse) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (Loans sold with recourse represent Citi) Tj ET Q q 0 0 0 rg BT 195.68 598.10 Td (s obligations to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (reimburse the buyers for loan losses under certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 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 36.00 562.10 Td (agreement under which a seller/lender will fully reimburse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (the buyer/investor for any losses resulting from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (purchased loans. ) Tj ET Q q 0 0 0 rg BT 104.96 538.10 Td (This may be accomplished by the seller ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (taking back any loans that become delinquent.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 514.10 Td (In addition to the amounts shown in the tables above, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (Citi has recorded a repurchase reserve for its potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (repurchases or make-whole liability regarding residential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (mortgage representation and warranty claims related to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (whole loan sales to the U.S. government-sponsored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (enterprises \(GSEs\) and, to a lesser extent, private investors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (The repurchase reserve was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.53 442.10 Td ($49 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.92 442.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td ($66 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.39 430.10 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.61 430.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.19 430.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.63 430.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.63 430.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 265.29 430.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (and these amounts are included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 174.29 418.10 Td (Other liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.90 418.10 Td ( on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (Consolidated Balance Sheet.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (Securities Lending Indemnifications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 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 36.00 358.10 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 36.00 346.10 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 36.00 334.10 Td (administer such securities lending programs for their clients. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 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 36.00 310.10 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 36.00 298.10 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 36.00 286.10 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 36.00 274.10 Td (held is insuf) Tj ET Q q 0 0 0 rg BT 84.71 274.10 Td (ficient to cover the market value of the security) Tj ET Q q 0 0 0 rg BT 273.42 274.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (Credit Card Merchant Processing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (Credit card merchant processing guarantees represent the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (Company) Tj ET Q q 0 0 0 rg BT 77.67 226.10 Td (s indirect obligations in connection with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (\(i\)providing transaction processing services to various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (merchants with respect to its private label cards and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (\(ii\)potential liability for bank card transaction processing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (services. ) Tj ET Q q 0 0 0 rg BT 73.03 178.10 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 36.00 166.10 Td (result of a billing dispute between a merchant and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (cardholder that is ultimately resolved in the cardholder) Tj ET Q q 0 0 0 rg BT 255.46 154.10 Td () Tj ET Q q 0 0 0 rg BT 258.24 154.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (favor) Tj ET Q q 0 0 0 rg BT 56.55 142.10 Td (. ) Tj ET Q q 0 0 0 rg BT 61.37 142.10 Td (The merchant is liable to refund the amount to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (cardholder) Tj ET Q q 0 0 0 rg BT 78.20 130.10 Td (. In general, if the credit card processing company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (is unable to collect this amount from the merchant, the credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (card processing company bears the loss for the amount of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (credit or refund paid to the cardholder) Tj ET Q q 0 0 0 rg BT 187.61 94.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 82.10 Td (W) Tj ET Q q 0 0 0 rg BT 63.04 82.10 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 70.10 Td (liability with respect to its portfolio of private label ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (merchants. ) Tj ET Q q 0 0 0 rg BT 81.91 58.10 Td (The risk of loss is mitigated as the cash flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (between Citi and the merchant are settled on a net basis, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 742.10 Td (Citi has the right to of) Tj ET Q q 0 0 0 rg BT 405.12 742.10 Td (fset any payments with cash flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 730.10 Td (otherwise due to the merchant. ) Tj ET Q q 0 0 0 rg BT 442.58 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 447.99 730.10 Td (o further mitigate this risk, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 718.10 Td (Citi may delay settlement, require a merchant to make an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 706.10 Td (escrow deposit, include event triggers to provide Citi with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 694.10 Td (more financial and operational control in the event of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 682.10 Td (financial deterioration of the merchant or require various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 670.10 Td (credit enhancements \(including letters of credit and bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 658.10 Td (guarantees\). In the unlikely event that a private label ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 646.10 Td (merchant is unable to deliver products, services or a refund ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 634.10 Td (to its private label cardholders, Citi is contingently liable to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 622.10 Td (credit or refund cardholders.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 610.10 Td (W) Tj ET Q q 0 0 0 rg BT 344.29 610.10 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 317.25 598.10 Td (bank card transactions where Citi provides the transaction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 586.10 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 317.25 574.10 Td (provides the services and Citi acts as a secondary guarantor) Tj ET Q q 0 0 0 rg BT 554.82 574.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 562.10 Td (should that processor fail to perform.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 550.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 353.03 550.10 Td (s maximum potential contingent liability related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 538.10 Td (both bank card and private label merchant processing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 526.10 Td (services is estimated to be the total volume of credit card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 514.10 Td (transactions that meet the requirements to be valid char) Tj ET Q q 0 0 0 rg BT 538.10 514.10 Td (ge-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 502.10 Td (back transactions at any given time. ) Tj ET Q q 0 0 0 rg BT 462.48 502.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.98 502.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.57 502.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 490.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.19 490.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.19 490.10 Td (, this maximum potential exposure was estimated to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 478.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.19 478.10 Td ($95 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.80 478.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.24 478.10 Td ($86 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.85 478.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 488.51 478.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 466.10 Td (However) Tj ET Q q 0 0 0 rg BT 371.50 466.10 Td (, Citi believes that the maximum exposure is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 454.10 Td (not representative of the actual potential loss exposure based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 442.10 Td (on its historical experience. ) Tj ET Q q 0 0 0 rg BT 429.53 442.10 Td (This contingent liability is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 430.10 Td (unlikely to arise, as most products and services are delivered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 418.10 Td (when purchased and amounts are refunded when items are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 406.10 Td (returned to merchants. Citi assesses the probability and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 394.10 Td (amount of its contingent liability related to merchant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 382.10 Td (processing based on the financial strength of the primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 370.10 Td (guarantor) Tj ET Q q 0 0 0 rg BT 355.17 370.10 Td (, the extent and nature of unresolved char) Tj ET Q q 0 0 0 rg BT 520.47 370.10 Td (ge-backs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 358.10 Td (and its historical loss experience. ) Tj ET Q q 0 0 0 rg BT 451.66 358.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.16 358.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.74 358.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 346.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.25 346.10 Td (, the losses incurred and the carrying amounts of Citi) Tj ET Q q 0 0 0 rg BT 551.64 346.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 334.10 Td (contingent obligations related to merchant processing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 322.10 Td (activities were immaterial.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.25 298.10 Td (Credit Card ) Tj ET Q q 0 0 0 rg BT 368.00 298.10 Td (Arrangements with Partners) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 286.10 Td (Citi, in certain of its credit card partner arrangements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 274.10 Td (provides guarantees to the partner regarding the volume of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 262.10 Td (certain customer originations during the term of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 250.10 Td (agreement. ) Tj ET Q q 0 0 0 rg BT 363.71 250.10 Td (T) Tj ET Q q 0 0 0 rg BT 369.12 250.10 Td (o the extent that such origination tar) Tj ET Q q 0 0 0 rg BT 513.34 250.10 Td (gets are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 238.10 Td (met, the guarantees serve to compensate the partner for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 226.10 Td (certain payments that otherwise would have been generated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 214.10 Td (in connection with such originations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.25 190.10 Td (Custody Indemnifications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 178.10 Td (Custody indemnifications are issued to guarantee that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 166.10 Td (custody clients will be made whole in the event that a third-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 154.10 Td (party subcustodian or depository institution fails to safeguard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 142.10 Td (clients) Tj ET Q q 0 0 0 rg BT 345.94 142.10 Td ( assets.) 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 (272) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Other Guarantees and Indemnifications) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (Cr) Tj ET Q q 0 0 0 rg BT 46.19 718.25 Td (edit Car) Tj ET Q q 0 0 0 rg BT 78.88 718.25 Td (d Pr) Tj ET Q q 0 0 0 rg BT 96.00 718.25 Td (otection Pr) Tj ET Q q 0 0 0 rg BT 140.35 718.25 Td (ograms) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (Citi, through its credit card businesses, provides various) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (cardholder protection programs on several of its card) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (products, including programs that provide insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (coverage for rental cars, coverage for certain losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (associated with purchased products, price protection for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (certain purchases and protection for lost luggage. ) Tj ET Q q 0 0 0 rg BT 235.19 646.25 Td (These) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (guarantees are not included in the table, since the total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (outstanding amount of the guarantees and Citi) Tj ET Q q 0 0 0 rg BT 223.18 622.25 Td (s maximum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (exposure to loss cannot be quantified. ) Tj ET Q q 0 0 0 rg BT 189.39 610.25 Td (The protection is) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (limited to certain types of purchases and losses, and it is not) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (possible to quantify the purchases that would qualify for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (these benefits at any given time. Citi assesses the probability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (and amount of its potential liability related to these programs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (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 36.00 538.25 Td (experience. ) Tj ET Q q 0 0 0 rg BT 83.75 538.25 Td (At December 31, 2018 and 2017, the actual and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (estimated losses incurred and the carrying value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (of Citi) Tj ET Q q 0 0 0 rg BT 64.61 514.25 Td (s obligations related to these programs were) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (immaterial.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 478.25 Td (Other Repr) Tj ET Q q 0 0 0 rg BT 80.90 478.25 Td (esentation and W) Tj ET Q q 0 0 0 rg BT 149.41 478.25 Td (arranty Indemnifications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 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 36.00 454.25 Td (representations and warranties to counterparties in contracts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 Td (in connection with numerous transactions and also provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 Td (indemnifications, including indemnifications that protect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.25 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 36.00 406.25 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 36.00 394.25 Td (adverse interpretation of the tax law) Tj ET Q q 0 0 0 rg BT 179.46 394.25 Td (. Counterparties to these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.25 Td (transactions provide Citi with comparable indemnifications. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.25 Td (While such representations, warranties and indemnifications ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.25 Td (are essential components of many contractual relationships, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.25 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 36.00 334.25 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 88.58 334.25 Td (The indemnification clauses are often standard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.25 Td (contractual terms related to Citi) Tj ET Q q 0 0 0 rg BT 165.40 322.25 Td (s own performance under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.25 Td (the terms of a contract and are entered into in the normal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.25 Td (course of business based on an assessment that the risk of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.25 Td (loss is remote. Often these clauses are intended to ensure that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.25 Td (terms of a contract are met at inception. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.32 274.25 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.54 274.25 Td ( compensation is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.25 Td (received for these standard representations and warranties, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.25 Td (and it is not possible to determine their fair value because ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.25 Td (they rarely) Tj ET Q q 0 0 0 rg BT 78.38 238.25 Td (, if ever) Tj ET Q q 0 0 0 rg BT 108.80 238.25 Td (, result in a payment. In many cases, there ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.71 226.25 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.71 226.25 Td ( stated or notional amounts included in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.25 Td (indemnification clauses, and the contingencies potentially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.25 Td (triggering the obligation to indemnify have not occurred and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.25 Td (are not expected to occur) Tj ET Q q 0 0 0 rg BT 135.95 190.25 Td (. ) Tj ET Q q 0 0 0 rg BT 140.40 190.25 Td (As a result, these indemnifications ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.25 Td (are not included in the tables above.) Tj ET Q BT /F3 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 41.00 154.25 Td (alue-T) Tj ET Q q 0 0 0 rg BT 66.56 154.25 Td (ransfer Networks \(VTNs\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.25 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 36.00 130.25 Td (transfer networks \(VTNs\) \(payment, clearing and settlement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.25 Td (systems as well as exchanges\) around the world. ) Tj ET Q q 0 0 0 rg BT 231.79 118.25 Td (As a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.25 Td (condition of membership, many of these ) Tj ET Q q 0 0 0 rg BT 199.95 106.25 Td (VTNs require that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.25 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 36.00 82.25 Td (incurred by the or) Tj ET Q q 0 0 0 rg BT 107.18 82.25 Td (ganization due to another member) Tj ET Q q 0 0 0 rg BT 244.17 82.25 Td () Tj ET Q q 0 0 0 rg BT 246.95 82.25 Td (s default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.25 Td (on its obligations. Citi) Tj ET Q q 0 0 0 rg BT 127.67 70.25 Td (s potential obligations may be limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.25 Td (to its membership interests in the ) Tj ET Q q 0 0 0 rg BT 170.80 58.25 Td (VTNs, contributions to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.25 Td (VTN) Tj ET Q q 0 0 0 rg BT 59.33 46.25 Td (s funds, or) Tj ET Q q 0 0 0 rg BT 100.87 46.25 Td (, in limited cases, the obligation may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 742.10 Td (unlimited. ) Tj ET Q q 0 0 0 rg BT 360.40 742.10 Td (The maximum exposure cannot be estimated as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 730.10 Td (this would require an assessment of future claims that have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 718.10 Td (not yet occurred. Citi believes the risk of loss is remote ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 706.10 Td (given historical experience with the ) Tj ET Q q 0 0 0 rg BT 462.29 706.10 Td (VTNs. ) Tj ET Q q 0 0 0 rg BT 491.19 706.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 540.52 706.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 694.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 335.03 694.10 Td (s participation in ) Tj ET Q q 0 0 0 rg BT 404.56 694.10 Td (VTNs is not reported in the guarantees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 682.10 Td (tables above, and there are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.08 682.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.08 682.10 Td ( amounts reflected on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 670.10 Td (Consolidated Balance Sheet as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.60 670.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.19 670.10 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 658.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.25 658.10 Td ( for potential obligations that could arise from Citi) Tj ET Q q 0 0 0 rg BT 541.65 658.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 646.10 Td (involvement with ) Tj ET Q q 0 0 0 rg BT 389.84 646.10 Td (VTNs associations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.25 622.10 Td (Long-T) Tj ET Q q 0 0 0 rg BT 345.79 622.10 Td (erm Car) Tj ET Q q 0 0 0 rg BT 379.03 622.10 Td (e Insurance Indemnification) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 610.10 Td (In 2000, ) Tj ET Q q 0 0 0 rg BT 352.90 610.10 Td (T) Tj ET Q q 0 0 0 rg BT 358.66 610.10 Td (ravelers Life & ) Tj ET Q q 0 0 0 rg BT 421.68 610.10 Td (Annuity \(T) Tj ET Q q 0 0 0 rg BT 466.05 610.10 Td (ravelers\), then a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 598.10 Td (subsidiary of Citi, entered into a reinsurance agreement to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 586.10 Td (transfer the risks and rewards of its long-term care \(L) Tj ET Q q 0 0 0 rg BT 529.86 586.10 Td (TC\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 574.10 Td (business to GE Life \(now Genworth Financial Inc., or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 562.10 Td (Genworth\), then a subsidiary of the General Electric ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 550.10 Td (Company \(GE\). ) Tj ET Q q 0 0 0 rg BT 383.08 550.10 Td (As part of this transaction, the reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 538.10 Td (obligations were provided by two regulated insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 526.10 Td (subsidiaries of GE Life, which funded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.49 526.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.49 526.10 Td ( collateral trusts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 514.10 Td (with securities. Presently) Tj ET Q q 0 0 0 rg BT 416.86 514.10 Td (, as discussed below) Tj ET Q q 0 0 0 rg BT 497.31 514.10 Td (, the trusts are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 502.10 Td (referred to as the Genworth ) Tj ET Q q 0 0 0 rg BT 429.52 502.10 Td (T) Tj ET Q q 0 0 0 rg BT 435.28 502.10 Td (rusts. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.25 490.10 Td (As part of GE) Tj ET Q q 0 0 0 rg BT 396.85 490.10 Td (s spin-of) Tj ET Q q 0 0 0 rg BT 431.39 490.10 Td (f of Genworth in 2004, GE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 478.10 Td (retained the risks and rewards associated with the 2000 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 466.10 Td (T) Tj ET Q q 0 0 0 rg BT 323.01 466.10 Td (ravelers reinsurance agreement by providing a reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 454.10 Td (contract to Genworth through its Union Fidelity Life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 442.10 Td (Insurance Company \(UFLIC\) subsidiary that covers the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 430.10 Td (T) Tj ET Q q 0 0 0 rg BT 323.01 430.10 Td (ravelers L) Tj ET Q q 0 0 0 rg BT 362.34 430.10 Td (TC policies. In addition, GE provided a capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 418.10 Td (maintenance agreement in favor of UFLIC, which is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 406.10 Td (designed to assure that UFLIC will have the funds to pay its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 394.10 Td (reinsurance obligations. ) Tj ET Q q 0 0 0 rg BT 414.73 394.10 Td (As a result of these reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 382.10 Td (agreements and the spin-of) Tj ET Q q 0 0 0 rg BT 425.09 382.10 Td (f of Genworth, Genworth has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 370.10 Td (reinsurance protection from UFLIC \(supported by GE\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 358.10 Td (has reinsurance obligations in connection with the ) Tj ET Q q 0 0 0 rg BT 520.07 358.10 Td (T) Tj ET Q q 0 0 0 rg BT 525.83 358.10 Td (ravelers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 346.10 Td (L) Tj ET Q q 0 0 0 rg BT 322.44 346.10 Td (TC policies. ) Tj ET Q q 0 0 0 rg BT 375.77 346.10 Td (As noted below) Tj ET Q q 0 0 0 rg BT 437.89 346.10 Td (, the Genworth reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 334.10 Td (obligations now benefit Brighthouse Financial, Inc. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 322.10 Td (\(Brighthouse\). ) Tj ET Q q 0 0 0 rg BT 377.62 322.10 Td (While neither Brighthouse nor Citi are direct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 310.10 Td (beneficiaries of the capital maintenance agreement between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 298.10 Td (GE and UFLIC, Brighthouse and Citi benefit indirectly from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 286.10 Td (the existence of the capital maintenance agreement, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 274.10 Td (helps assure that UFLIC will continue to have funds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 262.10 Td (necessary to pay its reinsurance obligations to Genworth. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.25 250.10 Td (In connection with Citi) Tj ET Q q 0 0 0 rg BT 433.51 250.10 Td (s 2005 sale of ) Tj ET Q q 0 0 0 rg BT 491.10 250.10 Td (T) Tj ET Q q 0 0 0 rg BT 496.86 250.10 Td (ravelers to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 238.10 Td (MetLife Inc. \(MetLife\), Citi provided an indemnification to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 226.10 Td (MetLife for losses \(including policyholder claims\) relating to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 214.10 Td (the L) Tj ET Q q 0 0 0 rg BT 337.16 214.10 Td (TC business for the entire term of the ) Tj ET Q q 0 0 0 rg BT 489.16 214.10 Td (T) Tj ET Q q 0 0 0 rg BT 494.92 214.10 Td (ravelers L) Tj ET Q q 0 0 0 rg BT 534.25 214.10 Td (TC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 202.10 Td (policies, which, as noted above, are reinsured by subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 190.10 Td (of Genworth. In 2017, MetLife spun of) Tj ET Q q 0 0 0 rg BT 473.71 190.10 Td (f its retail insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 178.10 Td (business to Brighthouse. ) Tj ET Q q 0 0 0 rg BT 419.75 178.10 Td (As a result, the ) Tj ET Q q 0 0 0 rg BT 482.06 178.10 Td (T) Tj ET Q q 0 0 0 rg BT 487.82 178.10 Td (ravelers L) Tj ET Q q 0 0 0 rg BT 527.15 178.10 Td (TC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 166.10 Td (policies now reside with Brighthouse. ) Tj ET Q q 0 0 0 rg BT 473.44 166.10 Td (The original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 154.10 Td (reinsurance agreement between ) Tj ET Q q 0 0 0 rg BT 445.61 154.10 Td (T) Tj ET Q q 0 0 0 rg BT 451.37 154.10 Td (ravelers \(now Brighthouse\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 142.10 Td (and Genworth remains in place and Brighthouse is the sole ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 130.10 Td (beneficiary of the Genworth ) Tj ET Q q 0 0 0 rg BT 432.58 130.10 Td (T) Tj ET Q q 0 0 0 rg BT 438.33 130.10 Td (rusts. ) Tj ET Q q 0 0 0 rg BT 462.04 130.10 Td (The fair value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 118.10 Td (Genworth ) Tj ET Q q 0 0 0 rg BT 359.56 118.10 Td (T) Tj ET Q q 0 0 0 rg BT 365.32 118.10 Td (rusts is approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.14 118.10 Td ($7.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.25 118.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 106.10 Td (December 31, 2018 and 2017. ) Tj ET Q q 0 0 0 rg BT 440.09 106.10 Td (The Genworth ) Tj ET Q q 0 0 0 rg BT 500.45 106.10 Td (T) Tj ET Q q 0 0 0 rg BT 506.21 106.10 Td (rusts are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 94.10 Td (designed to provide collateral to Brighthouse in an amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 82.10 Td (equal to the statutory liabilities of Brighthouse in respect of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.79 70.10 Td (T) Tj ET Q q 0 0 0 rg BT 337.54 70.10 Td (ravelers L) Tj ET Q q 0 0 0 rg BT 376.88 70.10 Td (TC policies. ) Tj ET Q q 0 0 0 rg BT 428.08 70.10 Td (The assets in the Genworth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 58.10 Td (T) Tj ET Q q 0 0 0 rg BT 323.01 58.10 Td (rusts are evaluated and adjusted periodically to ensure that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 46.10 Td (the fair value of the assets continues to provide collateral in ) 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 (273) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (an amount equal to these estimated statutory liabilities, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (the liabilities change over time.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 718.10 Td (If both \(i\) Genworth fails to perform under the original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 706.10 Td (ravelers/GE Life reinsurance agreement for any reason, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (including insolvency or the failure of UFLIC to perform in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (timely manner) Tj ET Q q 0 0 0 rg BT 93.64 682.10 Td (, and \(ii\) the assets of the two Genworth ) Tj ET Q q 0 0 0 rg BT 256.20 682.10 Td (T) Tj ET Q q 0 0 0 rg BT 261.95 682.10 Td (rusts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (are insuf) Tj ET Q q 0 0 0 rg BT 70.53 670.10 Td (ficient or unavailable,then Citi, through its L) Tj ET Q q 0 0 0 rg BT 250.96 670.10 Td (TC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (reinsurance indemnification, must reimburse Brighthouse for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (any losses incurred in connection with the L) Tj ET Q q 0 0 0 rg BT 211.98 646.10 Td (TC policies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (Since both events would have to occur before Citi would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (become responsible for any payment to Brighthouse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (pursuant to its indemnification obligation, and the likelihood ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (of such events occurring is currently not probable, there is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.21 598.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.21 598.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (liability reflected on the Consolidated Balance Sheet as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (December 31, 2018 and 2017 related to this indemnification. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 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 36.00 550.10 Td (this indemnification obligation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 538.10 Td (Separately) Tj ET Q q 0 0 0 rg BT 98.55 538.10 Td (, Genworth announced that it had agreed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (be purchased by China Oceanwide Holdings Co., Ltd, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (subject to a series of conditions and regulatory approvals. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (Citi is monitoring these developments. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (Futures and Over-the-Counter Derivatives Clearing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (Citi provides clearing services on central clearing parties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (\(CCPs\) for clients that need to clear exchange traded and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (over) Tj ET Q q 0 0 0 rg BT 53.57 442.10 Td (-the-counter \(OTC\) derivatives contracts. Based on all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 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 36.00 418.10 Td (acts as an agent for accounting purposes in its role as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (clearing member for these client transactions. ) Tj ET Q q 0 0 0 rg BT 220.10 406.10 Td (As such, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (does not reflect the underlying exchange traded or OTC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (derivatives contracts in its Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (Statements. See Note 22 for a discussion of Citi) Tj ET Q q 0 0 0 rg BT 230.14 370.10 Td (s derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (activities that are reflected in its Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 334.10 Td (As a clearing member) Tj ET Q q 0 0 0 rg BT 141.62 334.10 Td (, Citi collects and remits cash and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (securities collateral \(mar) Tj ET Q q 0 0 0 rg BT 134.66 322.10 Td (gin\) between its clients and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (respective CCP) Tj ET Q q 0 0 0 rg BT 96.83 310.10 Td (. In certain circumstances, Citi collects a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (higher amount of cash \(or securities\) from its clients than it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (needs to remit to the CCPs. ) Tj ET Q q 0 0 0 rg BT 147.76 286.10 Td (This excess cash is then held at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (depository institutions such as banks or carry brokers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 262.10 Td (There are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.52 262.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.52 262.10 Td ( types of mar) Tj ET Q q 0 0 0 rg BT 161.83 262.10 Td (gin: initial and variation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (Where Citi obtains benefits from or controls cash initial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (mar) Tj ET Q q 0 0 0 rg BT 51.37 238.10 Td (gin \(e.g., retains an interest spread\), cash initial mar) Tj ET Q q 0 0 0 rg BT 258.33 238.10 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (collected from clients and remitted to the CCP) Tj ET Q q 0 0 0 rg BT 221.42 226.10 Td ( or depository ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (institutions is reflected within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 157.65 214.10 Td (Br) Tj ET Q q 0 0 0 rg BT 167.28 214.10 Td (okerage payables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.53 214.10 Td ( \(payables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (to customers\) and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 109.59 202.10 Td (Br) Tj ET Q q 0 0 0 rg BT 119.22 202.10 Td (okerage r) Tj ET Q q 0 0 0 rg BT 157.45 202.10 Td (eceivables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.09 202.10 Td ( \(receivables from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (brokers, dealers and clearing or) Tj ET Q q 0 0 0 rg BT 161.60 190.10 Td (ganizations\) or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 223.80 190.10 Td (Cash and due ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (fr) Tj ET Q q 0 0 0 rg BT 42.30 178.10 Td (om banks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.35 178.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 133.01 178.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 166.10 Td (However) Tj ET Q q 0 0 0 rg BT 90.25 166.10 Td (, for exchange traded and OTC-cleared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (derivatives contracts where Citi does not obtain benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (from or control the client cash balances, the client cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (initial mar) Tj ET Q q 0 0 0 rg BT 77.20 130.10 Td (gin collected from clients and remitted to the CCP) Tj ET Q q 0 0 0 rg BT 277.89 130.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (or depository institutions is not reflected on Citi) Tj ET Q q 0 0 0 rg BT 230.70 118.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (Consolidated Balance Sheet. ) Tj ET Q q 0 0 0 rg BT 153.01 106.10 Td (These conditions are met when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (Citi has contractually agreed with the client that \(i\) Citi will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (pass through to the client all interest paid by the CCP) Tj ET Q q 0 0 0 rg BT 248.93 82.10 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (depository institutions on the cash initial mar) Tj ET Q q 0 0 0 rg BT 216.35 70.10 Td (gin, \(ii\) Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (will not utilize its right as a clearing member to transform ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (cash mar) Tj ET Q q 0 0 0 rg BT 71.63 46.10 Td (gin into other assets, \(iii\) Citi does not guarantee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 742.10 Td (and is not liable to the client for the performance of the CCP) Tj ET Q q 0 0 0 rg BT 559.03 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 730.10 Td (or the depository institution and \(iv\) the client cash balances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 718.10 Td (are legally isolated from Citi) Tj ET Q q 0 0 0 rg BT 434.99 718.10 Td (s bankruptcy estate. ) Tj ET Q q 0 0 0 rg BT 516.45 718.10 Td (The total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 706.10 Td (amount of cash initial mar) Tj ET Q q 0 0 0 rg BT 422.04 706.10 Td (gin collected and remitted in this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 694.10 Td (manner was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.05 694.10 Td ($13.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.16 694.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.60 694.10 Td ($10.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.71 694.10 Td ( as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 682.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.08 682.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.66 682.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.10 682.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.10 682.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 498.76 682.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 670.10 Td (V) Tj ET Q q 0 0 0 rg BT 341.36 670.10 Td (ariation mar) Tj ET Q q 0 0 0 rg BT 389.77 670.10 Td (gin due from clients to the respective CCP) Tj ET Q q 0 0 0 rg BT 558.35 670.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 658.10 Td (or from the CCP) Tj ET Q q 0 0 0 rg BT 383.27 658.10 Td ( to clients, reflects changes in the value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 646.10 Td (the client) Tj ET Q q 0 0 0 rg BT 356.96 646.10 Td (s derivative contracts for each trading day) Tj ET Q q 0 0 0 rg BT 524.01 646.10 Td (. ) Tj ET Q q 0 0 0 rg BT 528.46 646.10 Td (As a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 634.10 Td (clearing member) Tj ET Q q 0 0 0 rg BT 384.32 634.10 Td (, Citi is exposed to the risk of non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 622.10 Td (performance by clients \(e.g., failure of a client to post ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 610.10 Td (variation mar) Tj ET Q q 0 0 0 rg BT 370.66 610.10 Td (gin to the CCP) Tj ET Q q 0 0 0 rg BT 429.46 610.10 Td ( for negative changes in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 598.10 Td (value of the client) Tj ET Q q 0 0 0 rg BT 391.94 598.10 Td (s derivative contracts\). In the event of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 586.10 Td (non-performance by a client, Citi would move to close out ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 574.10 Td (the client) Tj ET Q q 0 0 0 rg BT 356.96 574.10 Td (s positions. ) Tj ET Q q 0 0 0 rg BT 404.29 574.10 Td (The CCP) Tj ET Q q 0 0 0 rg BT 440.86 574.10 Td ( would typically utilize initial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 562.10 Td (mar) Tj ET Q q 0 0 0 rg BT 332.62 562.10 Td (gin posted by the client and held by the CCP) Tj ET Q q 0 0 0 rg BT 510.10 562.10 Td (, with any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 550.10 Td (remaining shortfalls required to be paid by Citi as clearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 538.10 Td (member) Tj ET Q q 0 0 0 rg BT 349.46 538.10 Td (. Citi generally holds incremental cash or securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 526.10 Td (mar) Tj ET Q q 0 0 0 rg BT 332.62 526.10 Td (gin posted by the client, which would typically be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 514.10 Td (expected to be suf) Tj ET Q q 0 0 0 rg BT 389.54 514.10 Td (ficient to mitigate Citi) Tj ET Q q 0 0 0 rg BT 480.91 514.10 Td (s credit risk in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 502.10 Td (event that the client fails to perform.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 337.20 490.10 Td (As required by ) Tj ET Q q 0 0 0 rg BT 398.58 490.10 Td (ASC 860-30-25-5, securities collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 478.10 Td (posted by clients is not recognized on Citi) Tj ET Q q 0 0 0 rg BT 488.06 478.10 Td (s Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 466.10 Td (Balance Sheet.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.25 442.10 Td (Carrying V) Tj ET Q q 0 0 0 rg BT 362.54 442.10 Td (alueGuarantees and Indemnifications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 430.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.75 430.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.33 430.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.77 430.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.77 430.10 Td (, the total carrying amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 418.10 Td (of the liabilities related to the guarantees and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 406.10 Td (indemnifications included in the tables above amounted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 394.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.51 394.10 Td ($0.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.62 394.10 Td ( and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.06 394.10 Td (0.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.17 394.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 541.83 394.10 Td (. ) Tj ET Q q 0 0 0 rg BT 546.65 394.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 382.10 Td (carrying value of financial and performance guarantees is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 370.10 Td (included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 364.46 370.10 Td (Other liabilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.07 370.10 Td (For loans sold with recourse, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 358.10 Td (the carrying value of the liability is included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 507.47 358.10 Td (Other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.25 346.10 Td (liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.03 346.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.25 322.10 Td (Collateral) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 310.10 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 317.25 298.10 Td (under these guarantees and indemnifications amounted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 286.10 Td ($55 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.86 286.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.30 286.10 Td ($46 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.92 286.10 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.13 286.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.72 286.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 286.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.15 286.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 274.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 364.91 274.10 Td (. Securities and other marketable assets held as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 262.10 Td (collateral amounted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.16 262.10 Td ($55 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.77 262.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.21 262.10 Td ($70 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.82 262.10 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 250.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.83 250.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.27 250.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.27 250.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 487.93 250.10 Td (. ) Tj ET Q q 0 0 0 rg BT 492.75 250.10 Td (The majority of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 238.10 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 317.25 226.10 Td (lending indemnifications. ) Tj ET Q q 0 0 0 rg BT 421.40 226.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 471.30 226.10 Td (, letters of credit in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 214.10 Td (favor of Citi held as collateral amounted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.64 214.10 Td ($4.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.75 214.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 202.10 Td ($3.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.36 202.10 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.58 202.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.16 202.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.60 202.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.60 202.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 546.26 202.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 190.10 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 317.25 178.10 Td (under certain guarantees and indemnifications; however) Tj ET Q q 0 0 0 rg BT 540.93 178.10 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 166.10 Td (value of such property has not been determined.) 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 31.60 Td (274) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Performance Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (Citi evaluates the performance risk of its guarantees based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (on the assigned referenced counterparty internal or external ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (ratings. ) Tj ET Q q 0 0 0 rg BT 68.04 706.25 Td (Where external ratings are used, investment-grade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 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 36.00 682.25 Td (anything below is considered non-investment grade. Citi) Tj ET Q q 0 0 0 rg BT 265.12 682.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 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 36.00 658.25 Td (system. On certain underlying referenced assets or entities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 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 36.00 634.25 Td (in the not rated category) Tj ET Q q 0 0 0 rg BT 141.41 634.25 Td (. ) Tj ET Q q 0 0 0 rg BT 146.23 634.25 Td (The maximum potential amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (of the future payments related to the outstanding guarantees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (is determined to be the notional amount of these contracts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (which is the par amount of the assets guaranteed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 742.10 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 317.25 730.10 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 317.25 718.10 Td (internal and external credit ratings. ) Tj ET Q q 0 0 0 rg BT 458.86 718.10 Td (As previously mentioned, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 706.10 Td (the determination of the maximum potential future payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 694.10 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 317.25 682.10 Td (consideration of possible recoveries under recourse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 670.10 Td (provisions or from collateral held or pledged. ) Tj ET Q q 0 0 0 rg BT 500.54 670.10 Td (As such, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 658.10 Td (believes such amounts bear no relationship to the anticipated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 646.10 Td (losses, if any) Tj ET Q q 0 0 0 rg BT 368.54 646.10 Td (, on these guarantees.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 541.75 272.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.75 541.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.75 541.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 541.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.75 541.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 513.75 272.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.75 513.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.75 513.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 513.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.75 513.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 485.75 272.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.75 485.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.75 485.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 485.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.75 485.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 457.75 272.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.75 457.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.75 457.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 457.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.75 457.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 429.75 272.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.75 429.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.75 429.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 429.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.75 429.75 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 307.75 573.75 m 371.75 573.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.75 573.75 m 434.75 573.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 573.75 m 498.75 573.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.75 573.75 m 561.75 573.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 541.75 m 307.75 541.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 541.75 m 371.75 541.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.75 541.75 m 434.75 541.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 541.75 m 498.75 541.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.75 541.75 m 561.75 541.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 429.75 m 307.75 429.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 415.75 m 307.75 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 429.75 m 371.75 429.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 415.75 m 371.75 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.75 429.75 m 434.75 429.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 371.75 415.75 m 434.75 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 429.75 m 498.75 429.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 415.75 m 498.75 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.75 429.75 m 561.75 429.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 498.75 415.75 m 561.75 415.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 578.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.70 578.20 Td (Maximum potential amount of futur) Tj ET Q q 0 0 0 rg BT 482.62 578.20 Td (e payments) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.25 546.00 Td (In billions of dollars at December 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.75 555.20 Td (Investment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.25 546.20 Td (grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.20 564.20 Td (Non-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 555.20 Td (investment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.75 546.20 Td (grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 555.20 Td (Not) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 546.20 Td (rated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.90 546.20 Td (T) Tj ET Q q 0 0 0 rg BT 525.08 546.20 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 532.21 Td (Financial standby letters of credit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.25 532.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.50 532.20 Td (68.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 532.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 532.20 Td (1) Tj ET Q q 0 0 0 rg BT 420.00 532.20 Td (1.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 532.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 532.20 Td (17.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 532.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.50 532.20 Td (97.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 518.21 Td (Performance guarantees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 518.20 Td (9.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.00 518.20 Td (2.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 518.20 Td (0.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.50 518.20 Td (1) Tj ET Q q 0 0 0 rg BT 547.00 518.20 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 504.21 Td (Derivative instruments deemed to be guarantees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.25 504.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 504.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 504.20 Td (1) Tj ET Q q 0 0 0 rg BT 479.50 504.20 Td (10.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 504.20 Td (1) Tj ET Q q 0 0 0 rg BT 542.50 504.20 Td (10.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 490.21 Td (Loans sold with recourse) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.25 490.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 490.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 490.20 Td (1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.00 490.20 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 476.21 Td (Securities lending indemnifications) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.25 476.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 476.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 476.20 Td (98.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.50 476.20 Td (98.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 462.21 Td (Credit card merchant processing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.25 462.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 462.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 462.20 Td (95.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.50 462.20 Td (95.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 448.21 Td (Credit card arrangements with partners) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.25 448.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 448.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 448.20 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.00 448.20 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 434.21 Td (Custody indemnifications and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.50 434.20 Td (22.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 434.20 Td (13.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.25 434.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.50 434.20 Td (35.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 420.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.43 420.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.25 420.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.50 420.20 Td (99.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 420.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 420.20 Td (27.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 420.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 420.20 Td (324.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 420.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 420.20 Td (450.9) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 347.75 272.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.75 347.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.75 347.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 347.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.75 347.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 319.75 272.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.75 319.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.75 319.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 319.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.75 319.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 291.75 272.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.75 291.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.75 291.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 291.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.75 291.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 263.75 272.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.75 263.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.75 263.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 263.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.75 263.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 235.75 272.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.75 235.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.75 235.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 235.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.75 235.75 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 307.75 379.75 m 371.75 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.75 379.75 m 434.75 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 379.75 m 498.75 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.75 379.75 m 561.75 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 347.75 m 307.75 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 347.75 m 371.75 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.75 347.75 m 434.75 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 347.75 m 498.75 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.75 347.75 m 561.75 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 347.75 m 371.75 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.75 347.75 m 434.75 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 347.75 m 498.75 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.75 347.75 m 561.75 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 235.75 m 371.75 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.75 235.75 m 434.75 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 235.75 m 498.75 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.75 235.75 m 561.75 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 235.75 m 307.75 235.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 221.75 m 307.75 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 235.75 m 371.75 235.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 221.75 m 371.75 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.75 235.75 m 434.75 235.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 371.75 221.75 m 434.75 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 235.75 m 498.75 235.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 221.75 m 498.75 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.75 235.75 m 561.75 235.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 498.75 221.75 m 561.75 221.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 384.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.85 384.21 Td (Maximum potential amount of future payments) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.25 352.00 Td (In billions of dollars at December 31, 2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.25 361.21 Td (Investment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.25 352.21 Td (grade) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.50 370.21 Td (Non-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 361.21 Td (investment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 352.21 Td (grade) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 361.21 Td (Not) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.25 352.21 Td (rated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.55 352.21 Td (T) Tj ET Q q 0 0 0 rg BT 525.42 352.21 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 338.21 Td (Financial standby letters of credit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 338.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 338.21 Td (68.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.25 338.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 338.21 Td (10.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.25 338.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 338.21 Td (14.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 338.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 338.21 Td (93.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 324.21 Td (Performance guarantees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 324.21 Td (7.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 324.21 Td (2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 324.21 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 324.21 Td (1) Tj ET Q q 0 0 0 rg BT 547.00 324.21 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 310.21 Td (Derivative instruments deemed to be guarantees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 310.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 310.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 310.21 Td (95.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 310.21 Td (95.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 296.21 Td (Loans sold with recourse) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 296.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 296.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 296.21 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 296.21 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 282.21 Td (Securities lending indemnifications) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 282.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 282.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 282.21 Td (103.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 282.21 Td (103.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 268.21 Td (Credit card merchant processing) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 268.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 268.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 268.21 Td (85.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 268.21 Td (85.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 255.01 Td (Credit card arrangements with partners) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 254.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 254.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 254.21 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 254.21 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 240.21 Td (Custody indemnifications and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 240.21 Td (23.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 240.21 Td (12.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 240.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 240.21 Td (36.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 226.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.12 226.21 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 226.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 226.21 Td (99.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.25 226.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 226.21 Td (25.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.25 226.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 226.21 Td (303.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 226.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 226.21 Td (429.0) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 551 0 obj <> endobj 552 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (275) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Cr) Tj ET Q q 0 0 0 rg BT 47.48 742.25 Td (edit Commitments and Lines of Cr) Tj ET Q q 0 0 0 rg BT 195.90 742.25 Td (edit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (The table below summarizes Citigroup) Tj ET Q q 0 0 0 rg BT 194.30 730.25 Td (s credit commitments:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 685.75 285.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.75 685.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 685.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 685.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 685.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 659.75 285.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.75 659.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 659.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 659.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 659.75 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 623.75 285.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.75 623.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 623.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 623.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 623.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 597.75 285.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.75 597.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 597.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 597.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 597.75 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 35.75 685.75 m 320.75 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.75 685.75 m 381.75 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.75 685.75 m 442.75 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 685.75 m 503.75 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 685.75 m 561.75 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 685.75 m 320.75 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.75 685.75 m 381.75 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 685.75 m 442.75 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.75 685.75 m 442.75 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 685.75 m 503.75 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 685.75 m 561.75 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 672.75 m 442.75 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 659.75 m 442.75 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 636.75 m 442.75 623.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 623.75 m 442.75 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 610.75 m 442.75 597.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 584.75 m 320.75 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.75 584.75 m 381.75 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 597.75 m 442.75 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.75 584.75 m 442.75 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 584.75 m 320.75 584.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 571.75 m 320.75 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.75 584.75 m 381.75 584.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 320.75 571.75 m 381.75 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 584.75 m 442.75 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.75 584.75 m 442.75 584.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.75 571.75 m 442.75 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 584.75 m 503.75 584.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 571.75 m 503.75 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 584.75 m 561.75 584.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 571.75 m 561.75 571.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.25 690.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.70 690.20 Td (U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.85 699.20 Td (Outside of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.70 690.20 Td (U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.55 699.20 Td (December) Tj ET Q q 0 0 0 rg BT 485.36 699.20 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 690.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 699.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.25 690.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 677.01 Td (Commercial and similar letters of credit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.25 677.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.75 677.15 Td (823) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.25 677.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.00 677.15 Td (4,638) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.25 677.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 677.15 Td (5,461) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.25 677.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 677.15 Td (5,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 664.01 Td (One- to four) Tj ET Q q 0 0 0 rg BT 82.65 664.01 Td (-family residential mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 664.15 Td (1,056) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.00 664.15 Td (1,615) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 664.15 Td (2,671) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 664.15 Td (2,674) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 650.21 Td (Revolving open-end loans secured by one- to four) Tj ET Q q 0 0 0 rg BT 218.36 650.21 Td (-family residential) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 641.21 Td (properties) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.50 641.20 Td (10,019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.00 641.20 Td (1,355) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.50 641.20 Td (1) Tj ET Q q 0 0 0 rg BT 480.00 641.20 Td (1,374) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.50 641.20 Td (12,323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 628.01 Td (Commercial real estate, construction and land development) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 628.15 Td (9,565) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.00 628.15 Td (1,728) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.50 628.15 Td (1) Tj ET Q q 0 0 0 rg BT 480.00 628.15 Td (1,293) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.50 628.15 Td (1) Tj ET Q q 0 0 0 rg BT 538.00 628.15 Td (1,151) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 615.01 Td (Credit card lines) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.00 615.15 Td (605,857) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.50 615.15 Td (90,150) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 615.15 Td (696,007) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 615.15 Td (678,300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 602.01 Td (Commercial and other consumer loan commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.00 602.15 Td (185,849) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 602.15 Td (102,918) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 602.15 Td (288,767) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 602.15 Td (272,655) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 589.01 Td (Other commitments and contingencies) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 589.15 Td (2,560) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 589.15 Td (761) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 589.15 Td (3,321) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 589.15 Td (3,071) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 576.15 Td (T) Tj ET Q q 0 0 0 rg BT 43.43 576.15 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.25 576.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.00 576.15 Td (815,729) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.25 576.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 576.15 Td (203,165) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.25 576.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 576.15 Td (1,018,894) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.25 576.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 576.15 Td (985,174) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 551.25 Td (The majority of unused commitments are contingent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 539.25 Td (upon customers 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 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 407.25 Td (enable the customer to finance the purchase of goods or to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 395.25 Td (incur other commitments. Citigroup issues a letter on behalf ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 383.25 Td (of its client to a supplier and agrees to pay the supplier upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 371.25 Td (presentation of documentary evidence that the supplier has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 359.25 Td (performed in accordance with the terms of the letter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 347.25 Td (credit. ) Tj ET Q q 0 0 0 rg BT 63.58 347.25 Td (When a letter of credit is drawn, the customer is then ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 335.25 Td (required to reimburse 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-) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 227.25 Td (Family 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 ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 119.25 Td (Development) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 107.25 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 95.25 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 83.25 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 71.25 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 59.25 Td ( Both secured-by-real-estate and unsecured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 47.25 Td (commitments are included in this line, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 551.25 Td (undistributed loan proceeds, where there is an obligation to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 539.25 Td (advance for construction progress payments. However) Tj ET Q q 0 0 0 rg BT 534.55 539.25 Td (, this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 527.25 Td (line only includes those extensions of credit that, once ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 515.25 Td (funded, will be classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 431.11 515.25 Td (T) Tj ET Q q 0 0 0 rg BT 435.75 515.25 Td (otal loans, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.69 515.25 Td ( on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 503.25 Td (Consolidated Balance Sheet. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.25 479.25 Td (Credit Card Lines) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 467.25 Td (Citigroup provides credit to customers by issuing credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 455.25 Td (cards. ) Tj ET Q q 0 0 0 rg BT 343.17 455.25 Td (The credit card lines are cancelable by providing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 443.25 Td (notice to the cardholder or without such notice as permitted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 431.25 Td (by local law) Tj ET Q q 0 0 0 rg BT 365.47 431.25 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.25 407.25 Td (Commercial and Other Consumer Loan Commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 395.25 Td (Commercial and other consumer loan commitments include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 383.25 Td (overdraft and liquidity facilities as well as commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 371.25 Td (commitments to make or purchase loans, purchase third-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 359.25 Td (party receivables, provide note issuance or revolving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 347.25 Td (underwriting facilities and invest in the form of equity) Tj ET Q q 0 0 0 rg BT 533.77 347.25 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.25 323.25 Td (Other Commitments and Contingencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 311.25 Td (Other commitments and contingencies include committed or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 299.25 Td (unsettled regular) Tj ET Q q 0 0 0 rg BT 383.97 299.25 Td (-way reverse repurchase agreements and all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 287.25 Td (other transactions related to commitments and contingencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 275.25 Td (not reported on the lines above.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.25 251.25 Td (Unsettled Reverse Repurchase and Securities Lending ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.25 239.25 Td (Agreements and Unsettled Repurchase and Securities ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.25 227.25 Td (Borrowing ) Tj ET Q q 0 0 0 rg BT 363.84 227.25 Td (Agreements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 215.25 Td (In addition, in the normal course of business, Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 203.25 Td (enters into reverse repurchase and securities borrowing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 191.25 Td (agreements, as well as repurchase and securities lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 179.25 Td (agreements, which settle at a future date. ) Tj ET Q q 0 0 0 rg BT 482.46 179.25 Td (At December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 167.25 Td (2018, and 2017, Citigroup had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.96 167.25 Td ($36.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.08 167.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.51 167.25 Td ($35.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 155.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.36 155.25 Td ( unsettled reverse repurchase and securities borrowing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 143.25 Td (agreements, respectively) Tj ET Q q 0 0 0 rg BT 415.44 143.25 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.38 143.25 Td ($30.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.50 143.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.93 143.25 Td ($19.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.05 143.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 131.25 Td (unsettled repurchase and securities lending agreements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 119.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 364.91 119.25 Td (. For a further discussion of securities purchased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 107.25 Td (under agreements to resell and securities borrowed, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 95.25 Td (securities sold under agreements to repurchase and securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 83.25 Td (loaned, including the Company) Tj ET Q q 0 0 0 rg BT 445.56 83.25 Td (s policy for of) Tj ET Q q 0 0 0 rg BT 501.76 83.25 Td (fsetting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 71.25 Td (repurchase and reverse repurchase agreements, see Note 1) Tj ET Q q 0 0 0 rg BT 549.54 71.25 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 59.25 Td (to the Consolidated Financial Statements.) 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 (276) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (27.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 reasonably ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (possible loss is material, it discloses the loss contingency) Tj ET Q q 0 0 0 rg BT 263.93 209.25 Td (. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 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 36.00 185.25 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 36.00 173.25 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 36.00 161.25 Td (ASC 450, Citigroup) Tj ET Q q 0 0 0 rg BT 119.07 161.25 Td (s disclosure includes an estimate of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 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 36.00 137.25 Td (which an estimate can be made. ) Tj ET Q q 0 0 0 rg BT 165.12 137.25 Td (ASC 450 does not require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 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 36.00 113.25 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 36.00 101.25 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 89.25 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 advisors 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 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 (277) 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 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 69.78 605.10 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 266.64 473.10 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, 2018, 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 ($1.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.65 233.10 Td ( 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 of these reasons, the amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (of loss in excess of accruals ultimately incurred for the matters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (as 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 (ANZ Underwriting Matter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (On June 1, 2018, char) Tj ET Q q 0 0 0 rg BT 411.58 281.10 Td (ges were filed by the ) Tj ET Q q 0 0 0 rg BT 496.83 281.10 Td (Australian) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (Commonwealth Director of Public Prosecutions \(CDPP\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (against Citigroup Global Markets ) Tj ET Q q 0 0 0 rg BT 460.09 257.10 Td (Australia Pty Limited) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (\(CGMA\) for alleged criminal cartel of) Tj ET Q q 0 0 0 rg BT 477.37 245.10 Td (fenses following a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (referral by the ) Tj ET Q q 0 0 0 rg BT 382.58 233.10 Td (Australian Competition and Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (Commission. CDPP) Tj ET Q q 0 0 0 rg BT 404.21 221.10 Td ( alleges that the cartel conduct took place) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (following an institutional share placement by ) Tj ET Q q 0 0 0 rg BT 506.74 209.10 Td (Australia and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (New Zealand Banking Group Limited \(ANZ\) in ) Tj ET Q q 0 0 0 rg BT 518.12 197.10 Td (August 2015,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (where CGMA) Tj ET Q q 0 0 0 rg BT 380.38 185.10 Td ( acted as joint underwriter and lead manager) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (with other banks. CDPP) Tj ET Q q 0 0 0 rg BT 420.30 173.10 Td ( has also char) Tj ET Q q 0 0 0 rg BT 474.26 173.10 Td (ged other banks and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (individuals, including current and former Citi employees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (Char) Tj ET Q q 0 0 0 rg BT 343.26 149.10 Td (ges relating to CGMA) Tj ET Q q 0 0 0 rg BT 431.86 149.10 Td ( are captioned R v) Tj ET Q q 0 0 0 rg BT 503.96 149.10 Td (. CITIGROUP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (GLOBAL) Tj ET Q q 0 0 0 rg BT 364.18 137.10 Td ( MARKETS ) Tj ET Q q 0 0 0 rg BT 416.41 137.10 Td (AUSTRALIA) Tj ET Q q 0 0 0 rg BT 472.53 137.10 Td ( PTY) Tj ET Q q 0 0 0 rg BT 493.55 137.10 Td ( LIMITED) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (\(2018/00175168\). ) Tj ET Q q 0 0 0 rg BT 398.26 125.10 Td (The matter is before the Downing Centre) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (Local Court in Sydney) Tj ET Q q 0 0 0 rg BT 414.17 113.10 Td (, ) Tj ET Q q 0 0 0 rg BT 418.62 113.10 Td (Australia. Separately) Tj ET Q q 0 0 0 rg BT 501.83 113.10 Td (, the ) Tj ET Q q 0 0 0 rg BT 520.99 113.10 Td (Australian) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (Securities and Investments Commission is conducting an) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (investigation, and CGMA) Tj ET Q q 0 0 0 rg BT 427.05 89.10 Td ( is cooperating with the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (investigation.) 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 (278) 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 Crisis-Related Litigation and Other) Tj ET Q q 0 0 0 rg BT 218.40 749.25 Td ( Matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Citigroup and Related Parties were named as defendants in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (numerous legal actions and other proceedings asserting claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (for damages and related relief for losses arising from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (global financial credit crisis that began in 2007. Citigroup also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (received subpoenas and requests for information from various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (regulatory agencies and other government authorities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (concerning certain businesses impacted by the credit crisis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (The vast majority of these matters have been resolved as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (December 31, 2018.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (Mortgage-Related Litigation and Other Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (Mortgage-Backed Securities and CDO Investor ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (Actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.00 593.25 Td (:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.77 593.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.27 593.25 Td (Beginning in 2010, Citigroup and Related Parties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (were named as defendants in complaints filed by purchasers of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (mortgage-backed securities \(MBS\) and credit default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (obligations \(CDOs\) sold or underwritten by Citigroup. ) Tj ET Q q 0 0 0 rg BT 258.86 557.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (complaints generally assert that defendants made material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (misrepresentations and omissions about the credit quality of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 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 36.00 509.25 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 36.00 497.25 Td (Section 1) Tj ET Q q 0 0 0 rg BT 73.12 497.25 Td (1 of the Securities ) Tj ET Q q 0 0 0 rg BT 147.55 497.25 Td (Act of 1933, state blue sky laws, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 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 54.00 473.25 Td (All but one of these matters have been resolved through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (motion practice or settlement.) Tj ET Q q 0 0 0 rg BT 157.35 461.25 Td (As of December 31, 2018, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (aggregate original purchase amount of the purchases) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 246.47 449.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.97 449.25 Td (covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (by a tolling agreement with an investor threatening) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 240.11 437.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.61 437.25 Td (litigation is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.26 425.25 Td ($500 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.65 425.25 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 413.25 Td (Mortgage-Backed Securities T) Tj ET Q q 0 0 0 rg BT 175.64 413.25 Td (rustee ) Tj ET Q q 0 0 0 rg BT 202.39 413.25 Td (Actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.39 413.25 Td (: In 2014, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (investors in 27 residential MBS trusts for which Citibank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (served or currently serves as trustee filed an action in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 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 36.00 365.25 Td (Y) Tj ET Q q 0 0 0 rg BT 42.22 365.25 Td (ork, captioned FIXED INCOME SHARES: SERIES M ET) Tj ET Q q 0 0 0 rg BT 278.70 365.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (AL. v) Tj ET Q q 0 0 0 rg BT 58.68 353.25 Td (. CITIBANK N.A., alleging claims that Citibank failed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (to pursue contractual remedies against securitization sponsors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (and servicers. Subsequently) Tj ET Q q 0 0 0 rg BT 146.71 329.25 Td (, all claims were dismissed as to 26 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (of the 27 trusts. On March 22, 2018, the court granted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (Citibank's motion for summary judgment and denied ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (plaintif) Tj ET Q q 0 0 0 rg BT 64.70 293.25 Td (fs) Tj ET Q q 0 0 0 rg BT 74.51 293.25 Td ( motions for partial summary judgment and class ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (certification, which plaintif) Tj ET Q q 0 0 0 rg BT 144.95 281.25 Td (fs have appealed. ) Tj ET Q q 0 0 0 rg BT 216.02 281.25 Td (Additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (information concerning this action is publicly available in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (court filings under the docket number 14-cv-9373 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 274.66 257.25 Td (.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (\(Furman, J.\) and 18-1) Tj ET Q q 0 0 0 rg BT 122.56 245.25 Td (196 \(2d Cir) Tj ET Q q 0 0 0 rg BT 168.11 245.25 Td (.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 233.25 Td (In 2015, lar) Tj ET Q q 0 0 0 rg BT 103.20 233.25 Td (gely the same group of investors filed an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (action in the New ) Tj ET Q q 0 0 0 rg BT 108.94 221.25 Td (Y) Tj ET Q q 0 0 0 rg BT 115.16 221.25 Td (ork State Supreme Court, captioned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (FIXED INCOME SHARES: SERIES M, ET) Tj ET Q q 0 0 0 rg BT 215.28 209.25 Td ( ) Tj ET Q q 0 0 0 rg BT 217.23 209.25 Td (AL. v) Tj ET Q q 0 0 0 rg BT 239.91 209.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (CITIBANK N.A., related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.70 197.25 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.70 197.25 Td ( trusts initially dismissed from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (the federal court action and one additional trust, asserting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (claims similar to the action filed in federal court. In 2017, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (court granted in part and denied in part Citibank) Tj ET Q q 0 0 0 rg BT 231.50 161.25 Td (s motion to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (dismiss plaintif) Tj ET Q q 0 0 0 rg BT 97.21 149.25 Td (fs) Tj ET Q q 0 0 0 rg BT 107.02 149.25 Td ( amended complaint. Citibank appealed as to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (the sustained claims, and on January 16, 2018, the New ) Tj ET Q q 0 0 0 rg BT 260.30 137.25 Td (Y) Tj ET Q q 0 0 0 rg BT 266.52 137.25 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td (State appeals court dismissed all of the remaining claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.25 Td (except the claim for breach of contract related to purported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 Td (discovery of alleged underwriter breaches of representations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.25 Td (and warranties. ) Tj ET Q q 0 0 0 rg BT 101.53 89.25 Td (Additional information concerning this action ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.25 Td (is publicly available in court filings under the docket number ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (653891/2015 \(N.Y) Tj ET Q q 0 0 0 rg BT 110.26 65.25 Td (. Sup. Ct.\) \(Ramos, J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 749.10 Td (In 2015, the Federal Deposit Insurance Corporation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (\(FDIC\), as receiver for a financial institution, filed a civil ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 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 324.00 713.10 Td (the Southern District of New ) Tj ET Q q 0 0 0 rg BT 441.66 713.10 Td (Y) Tj ET Q q 0 0 0 rg BT 447.88 713.10 Td (ork, captioned FEDERAL) Tj ET Q q 0 0 0 rg BT 552.21 713.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (DEPOSIT) Tj ET Q q 0 0 0 rg BT 364.93 701.10 Td ( INSURANCE CORPORA) Tj ET Q q 0 0 0 rg BT 473.29 701.10 Td (TION ) Tj ET Q q 0 0 0 rg BT 499.12 701.10 Td (AS RECEIVER ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (FOR GUARANTY) Tj ET Q q 0 0 0 rg BT 401.69 689.10 Td ( BANK v) Tj ET Q q 0 0 0 rg BT 439.38 689.10 Td (. CITIBANK N.A. ) Tj ET Q q 0 0 0 rg BT 516.41 689.10 Td (The complaint ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (concerns one residential MBS trust for which Citibank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 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 324.00 653.10 Td (pursue contractual remedies against the sponsor and servicers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (of that trust. ) Tj ET Q q 0 0 0 rg BT 374.55 641.10 Td (After the court granted Citibank) Tj ET Q q 0 0 0 rg BT 505.62 641.10 Td (s motion to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (dismiss on grounds that the FDIC lacked standing to pursue its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (claims, the FDIC filed an amended complaint. In 2018, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (Citibank filed a motion to dismiss the amended complaint. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Additional information concerning this action is publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (available in court filings under the docket number 15-cv-6574 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (\(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 360.77 569.10 Td (.\) \(Carter) Tj ET Q q 0 0 0 rg BT 397.01 569.10 Td (, J.\).) Tj ET Q BT /F4 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 329.74 545.10 Td (ribune Company Bankruptcy) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (Certain Citigroup af) Tj ET Q q 0 0 0 rg BT 404.36 533.10 Td (filiates \(along with numerous other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (parties\) have been named as defendants in adversary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (proceedings related to the Chapter 1) Tj ET Q q 0 0 0 rg BT 468.30 509.10 Td (1 cases of ) Tj ET Q q 0 0 0 rg BT 510.04 509.10 Td (T) Tj ET Q q 0 0 0 rg BT 515.80 509.10 Td (ribune ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (Company \(T) Tj ET Q q 0 0 0 rg BT 374.47 497.10 Td (ribune\) filed in the United States Bankruptcy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (Court, asserting claims arising out of the approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.23 485.10 Td ($1) Tj ET Q q 0 0 0 rg BT 558.86 485.10 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.11 473.10 Td ( leveraged buyout of ) Tj ET Q q 0 0 0 rg BT 434.90 473.10 Td (T) Tj ET Q q 0 0 0 rg BT 440.66 473.10 Td (ribune in 2007. ) Tj ET Q q 0 0 0 rg BT 503.80 473.10 Td (The actions were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (consolidated as IN RE ) Tj ET Q q 0 0 0 rg BT 416.02 461.10 Td (TRIBUNE COMP) Tj ET Q q 0 0 0 rg BT 489.28 461.10 Td (ANY) Tj ET Q q 0 0 0 rg BT 510.57 461.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (FRAUDULENT) Tj ET Q q 0 0 0 rg BT 390.48 449.10 Td ( CONVEY) Tj ET Q q 0 0 0 rg BT 433.54 449.10 Td (ANCE LITIGA) Tj ET Q q 0 0 0 rg BT 495.47 449.10 Td (TION and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (transferred to 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. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 413.10 Td (In the adversary proceeding captioned KIRSCHNER v) Tj ET Q q 0 0 0 rg BT 563.74 413.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (FITZSIMONS, ET) Tj ET Q q 0 0 0 rg BT 399.93 401.10 Td ( ) Tj ET Q q 0 0 0 rg BT 401.88 401.10 Td (AL., the litigation trustee, as successor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 352.70 389.10 Td (f to the Of) Tj ET Q q 0 0 0 rg BT 393.90 389.10 Td (ficial Committee of Unsecured Creditors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (seeks to avoid and recover as actual fraudulent transfers the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (transfers of ) Tj ET Q q 0 0 0 rg BT 371.58 365.10 Td (T) Tj ET Q q 0 0 0 rg BT 377.33 365.10 Td (ribune stock that occurred as a part of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (leveraged buyout. Several Citigroup af) Tj ET Q q 0 0 0 rg BT 479.05 353.10 Td (filiates, along with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (numerous other parties, are named as shareholder defendants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (and are alleged to have tendered ) Tj ET Q q 0 0 0 rg BT 455.42 329.10 Td (T) Tj ET Q q 0 0 0 rg BT 461.17 329.10 Td (ribune stock to ) Tj ET Q q 0 0 0 rg BT 522.93 329.10 Td (T) Tj ET Q q 0 0 0 rg BT 528.68 329.10 Td (ribune as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (part of the buyout. In 2017, the United States District Court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (for the Southern District of New ) Tj ET Q q 0 0 0 rg BT 455.82 305.10 Td (Y) Tj ET Q q 0 0 0 rg BT 462.04 305.10 Td (ork dismissed the actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (fraudulent transfer claim against the shareholder defendants, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (including the Citigroup af) Tj ET Q q 0 0 0 rg BT 427.41 281.10 Td (filiates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 269.10 Td (Several Citigroup af) Tj ET Q q 0 0 0 rg BT 422.91 269.10 Td (filiates, along with numerous other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (parties, are named as defendants in certain actions brought by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.76 245.10 Td (ribune noteholders, which seek to recover the transfers of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.76 233.10 Td (ribune stock that occurred as a part of the leveraged buyout, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (as state law constructive fraudulent conveyances. ) Tj ET Q q 0 0 0 rg BT 523.46 221.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (noteholders) Tj ET Q q 0 0 0 rg BT 373.24 209.10 Td ( claims were previously dismissed, which was ) 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 (firmed on appeal. On May 15, 2018, the United States Court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.28 185.10 Td (Appeals for the Second Circuit withdrew its 2016 transfer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (of jurisdiction to the district court.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 161.10 Td (Citigroup Global Markets Inc. \(CGMI\) was named as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (defendant in a separate action in connection with its role as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (advisor to ) Tj ET Q q 0 0 0 rg BT 366.04 137.10 Td (T) Tj ET Q q 0 0 0 rg BT 371.79 137.10 Td (ribune. On January 23, 2019, the court dismissed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (the action. ) Tj ET Q q 0 0 0 rg BT 367.60 125.10 Td (Additional information concerning these actions is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 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 324.00 101.10 Td (08-13141 \(Bankr) Tj ET Q q 0 0 0 rg BT 392.05 101.10 Td (. D. Del.\) \(Carey) Tj ET Q q 0 0 0 rg BT 458.59 101.10 Td (, J.\), 1) Tj ET Q q 0 0 0 rg BT 482.95 101.10 Td (1 MD 02296 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (\(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 360.77 89.10 Td (.\) \(Cote, J.\), 12 MC 2296 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 500.87 89.10 Td (.\) \(Cote, J.\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (13-3992, 13-3875, 13-4196 \(2d Cir) Tj ET Q q 0 0 0 rg BT 464.55 77.10 Td (.\) and 16-317 \(U.S.\).) 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 (279) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Depositary Receipts 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 116.08 737.25 Td ( On November 7, 2018, the SEC entered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (an order accepting an of) Tj ET Q q 0 0 0 rg BT 132.44 725.25 Td (fer of settlement from Citibank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (concerning the SEC) Tj ET Q q 0 0 0 rg BT 118.76 713.25 Td (s investigation into activity relating to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (pre-released ) Tj ET Q q 0 0 0 rg BT 86.80 701.25 Td (American Depositary Receipts from 201) Tj ET Q q 0 0 0 rg BT 248.60 701.25 Td (1 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (2015. Pursuant to the settlement, Citibank paid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.25 689.25 Td ($38.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.15 689.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (in disgor) Tj ET Q q 0 0 0 rg BT 71.10 677.25 Td (gement and interest. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 665.25 Td (Other Litigation: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.11 665.25 Td (In 2015, Citibank was sued by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (purported class of persons or entities who, from January 2000 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (to the present, are or were holders of depositary receipts for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (which Citibank served as the depositary bank and converted, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (or caused to be converted, foreign currency dividends or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (distributions into U.S. dollars. On March 23, 2018, the court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (granted in part and denied in part plaintif) Tj ET Q q 0 0 0 rg BT 199.93 593.25 Td (fs) Tj ET Q q 0 0 0 rg BT 209.74 593.25 Td ( motion for class ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (certification, certifying only a class of holders of Citi-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (sponsored ) Tj ET Q q 0 0 0 rg BT 78.50 569.25 Td (American depositary receipts that plaintif) Tj ET Q q 0 0 0 rg BT 244.37 569.25 Td (fs own. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (On September 6, 2018, the court granted preliminary approval ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (of a class action settlement. On January 2, 2019, the court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (granted plaintif) Tj ET Q q 0 0 0 rg BT 97.19 533.25 Td (fs) Tj ET Q q 0 0 0 rg BT 107.00 533.25 Td ( request to adjourn the final approval hearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (for the settlement. ) Tj ET Q q 0 0 0 rg BT 112.92 521.25 Td (Additional information concerning this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 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 36.00 497.25 Td (number 15 Civ) Tj ET Q q 0 0 0 rg BT 95.35 497.25 Td (. 9185 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 159.61 497.25 Td (.\) \(McMahon, C.\). ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 477.25 Td (For) Tj ET Q q 0 0 0 rg BT 51.37 477.25 Td (eign Exchange Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 465.25 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 82.75 465.25 Td (Actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.75 465.25 Td (: Government and regulatory agencies in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 453.25 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 36.00 441.25 Td (investigations or making inquiries regarding Citigroup) Tj ET Q q 0 0 0 rg BT 256.80 441.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 429.25 Td (foreign exchange business. Citigroup is fully cooperating with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 417.25 Td (these and related investigations and inquiries.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 405.25 Td (Antitrust and Other Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.29 405.25 Td (: Numerous foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 393.25 Td (exchange dealers and their af) Tj ET Q q 0 0 0 rg BT 152.42 393.25 Td (filiates, including Citigroup, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 381.25 Td (Citibank, Citicorp and CGMI, were named as defendants in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 369.25 Td (putative class actions consolidated in the United States District ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 357.25 Td (Court for the Southern District of New ) Tj ET Q q 0 0 0 rg BT 193.10 357.25 Td (Y) Tj ET Q q 0 0 0 rg BT 199.32 357.25 Td (ork under the caption ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 345.25 Td (IN RE FOREIGN EXCHANGE BENCHMARK RA) Tj ET Q q 0 0 0 rg BT 246.84 345.25 Td (TES ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 333.25 Td (ANTITRUST) Tj ET Q q 0 0 0 rg BT 91.37 333.25 Td ( LITIGA) Tj ET Q q 0 0 0 rg BT 126.08 333.25 Td (TION. Plaintif) Tj ET Q q 0 0 0 rg BT 184.23 333.25 Td (fs allege that they ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 321.25 Td (suf) Tj ET Q q 0 0 0 rg BT 48.04 321.25 Td (fered losses as a result of defendants) Tj ET Q q 0 0 0 rg BT 196.69 321.25 Td ( alleged manipulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 309.25 Td (of, and collusion with respect to, the foreign exchange market. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 297.25 Td (Plaintif) Tj ET Q q 0 0 0 rg BT 65.26 297.25 Td (fs assert claims under the Commodity Exchange ) Tj ET Q q 0 0 0 rg BT 260.50 297.25 Td (Act, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 285.25 Td (Sherman ) Tj ET Q q 0 0 0 rg BT 73.50 285.25 Td (Act, and Clayton ) Tj ET Q q 0 0 0 rg BT 143.49 285.25 Td (Act, and seek compensatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 273.25 Td (damages, treble damages, and declaratory and injunctive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 261.25 Td (relief. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 249.25 Td (On November 7, 2018, some of the institutional investors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 237.25 Td (who opted out of an ) Tj ET Q q 0 0 0 rg BT 117.93 237.25 Td (August 2018 settlement with Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 225.25 Td (defendants filed a lawsuit against Citigroup, Citibank, CGMI, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 213.25 Td (and other defendants under the caption ) Tj ET Q q 0 0 0 rg BT 193.17 213.25 Td (ALLIANZ GLOBAL) Tj ET Q q 0 0 0 rg BT 279.17 213.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 201.25 Td (INVEST) Tj ET Q q 0 0 0 rg BT 71.37 201.25 Td (ORS, ET) Tj ET Q q 0 0 0 rg BT 107.86 201.25 Td ( ) Tj ET Q q 0 0 0 rg BT 109.81 201.25 Td (AL. v) Tj ET Q q 0 0 0 rg BT 132.49 201.25 Td (. BANK OF ) Tj ET Q q 0 0 0 rg BT 183.06 201.25 Td (AMERICA) Tj ET Q q 0 0 0 rg BT 228.62 201.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 189.25 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 82.13 189.25 Td (TION, ET) Tj ET Q q 0 0 0 rg BT 123.05 189.25 Td ( ) Tj ET Q q 0 0 0 rg BT 124.99 189.25 Td (AL. Plaintif) Tj ET Q q 0 0 0 rg BT 172.59 189.25 Td (fs allege that defendants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 177.25 Td (manipulated, and colluded to manipulate, the foreign exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 165.25 Td (market. Plaintif) Tj ET Q q 0 0 0 rg BT 98.03 165.25 Td (fs assert Sherman ) Tj ET Q q 0 0 0 rg BT 170.51 165.25 Td (Act and unjust enrichment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 153.25 Td (claims and seek consequential and punitive damages and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 141.25 Td (forms of relief. ) Tj ET Q q 0 0 0 rg BT 98.20 141.25 Td (Additional information concerning this action ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 129.25 Td (is publicly available in court filings under the docket number ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 117.25 Td (18 Civ) Tj ET Q q 0 0 0 rg BT 62.30 117.25 Td (. 10364 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 131.57 117.25 Td (.\) \(Schofield, J.\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 105.25 Td (On December 31, 2018, a group of institutional investors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 93.25 Td (issued \(but did not serve\) a claim in the High Court in London ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 81.25 Td (against Citibank, Citigroup, and other defendants, alleging that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 69.25 Td (defendants manipulated, and colluded to manipulate, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 57.25 Td (foreign exchange market. Claimants allege breaches of EU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (and UK competition law) Tj ET Q q 0 0 0 rg BT 421.94 749.10 Td (. ) Tj ET Q q 0 0 0 rg BT 426.76 749.10 Td (The case is ) Tj ET Q q 0 0 0 rg BT 473.13 749.10 Td (ALLIANZ GLOBAL) Tj ET Q q 0 0 0 rg BT 559.13 749.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (INVEST) Tj ET Q q 0 0 0 rg BT 359.37 737.10 Td (ORS GMBH ) Tj ET Q q 0 0 0 rg BT 413.28 737.10 Td (AND OTHERS v) Tj ET Q q 0 0 0 rg BT 483.18 737.10 Td (. BARCLA) Tj ET Q q 0 0 0 rg BT 527.83 737.10 Td (YS BANK ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (PLC ) Tj ET Q q 0 0 0 rg BT 344.29 725.10 Td (AND OTHERS, case number CL-2018-000840, and will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (not commence unless and until it is served.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 701.10 Td (In 2018, two motions for certification of class actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (alleging manipulation of foreign exchange markets were filed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (in the ) Tj ET Q q 0 0 0 rg BT 348.81 677.10 Td (T) Tj ET Q q 0 0 0 rg BT 354.22 677.10 Td (el ) Tj ET Q q 0 0 0 rg BT 363.39 677.10 Td (A) Tj ET Q q 0 0 0 rg BT 369.87 677.10 Td (viv Central District Court in Israel against ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Citigroup and CGMI, and Citibank, respectively) Tj ET Q q 0 0 0 rg BT 516.93 665.10 Td (. ) Tj ET Q q 0 0 0 rg BT 521.75 665.10 Td (The cases are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (LANUEL, ET) Tj ET Q q 0 0 0 rg BT 381.03 653.10 Td ( ) Tj ET Q q 0 0 0 rg BT 382.97 653.10 Td (AL. v) Tj ET Q q 0 0 0 rg BT 405.66 653.10 Td (. BANK OF ) Tj ET Q q 0 0 0 rg BT 456.22 653.10 Td (AMERICA) Tj ET Q q 0 0 0 rg BT 501.78 653.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 370.13 641.10 Td (TION, ET) Tj ET Q q 0 0 0 rg BT 411.05 641.10 Td ( ) Tj ET Q q 0 0 0 rg BT 412.99 641.10 Td (AL., CA) Tj ET Q q 0 0 0 rg BT 447.16 641.10 Td ( 29013-09-18, and GER) Tj ET Q q 0 0 0 rg BT 542.66 641.10 Td (TLER, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (ET) Tj ET Q q 0 0 0 rg BT 336.04 629.10 Td ( ) Tj ET Q q 0 0 0 rg BT 337.98 629.10 Td (AL. v) Tj ET Q q 0 0 0 rg BT 360.67 629.10 Td (. DEUTSCHE BANK ) Tj ET Q q 0 0 0 rg BT 450.67 629.10 Td (AG, C1A) Tj ET Q q 0 0 0 rg BT 488.45 629.10 Td ( 1657-10-18.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 617.10 Td (In 2015, an action captioned NYPL) Tj ET Q q 0 0 0 rg BT 483.82 617.10 Td ( v) Tj ET Q q 0 0 0 rg BT 490.67 617.10 Td (. JPMORGAN ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (CHASE & CO., ET) Tj ET Q q 0 0 0 rg BT 402.99 605.10 Td ( ) Tj ET Q q 0 0 0 rg BT 404.94 605.10 Td (AL. was brought in the United States ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (District Court for the Northern District of California \(later ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (transferred to the United States District Court for the Southern ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (District of New ) Tj ET Q q 0 0 0 rg BT 388.34 569.10 Td (Y) Tj ET Q q 0 0 0 rg BT 394.56 569.10 Td (ork\) against Citigroup, as well as numerous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (other foreign exchange dealers. Subsequently) Tj ET Q q 0 0 0 rg BT 505.23 557.10 Td (, plaintif) Tj ET Q q 0 0 0 rg BT 538.93 557.10 Td (fs filed a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (third amended class action complaint, naming Citigroup, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (Citibank, and Citicorp as defendants. Plaintif) Tj ET Q q 0 0 0 rg BT 504.06 533.10 Td (fs seek to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (represent a putative class of consumers and businesses in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (United States who directly purchased supracompetitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (foreign currency at Benchmark exchange rates from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (defendants. Plaintif) Tj ET Q q 0 0 0 rg BT 401.58 485.10 Td (fs allege claims under federal and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (California antitrust and consumer protection laws, and are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (seeking compensatory damages, treble damages, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (declaratory and injunctive relief. ) Tj ET Q q 0 0 0 rg BT 456.44 449.10 Td (Additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 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 324.00 425.10 Td (under the docket numbers 15 Civ) Tj ET Q q 0 0 0 rg BT 456.38 425.10 Td (. 2290 \(N.D. Cal.\) \(Chhabria, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (J.\) and 15 Civ) Tj ET Q q 0 0 0 rg BT 379.46 413.10 Td (. 9300 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 443.73 413.10 Td (.\) \(Schofield, J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 401.10 Td (In 2017, certain plaintif) Tj ET Q q 0 0 0 rg BT 439.23 401.10 Td (fs filed a consolidated amended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (complaint on behalf of purported classes of indirect purchasers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (of foreign exchange instruments sold by defendants, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (Citigroup, Citibank, Citicorp, and CGMI as defendants, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (captioned CONT) Tj ET Q q 0 0 0 rg BT 391.79 353.10 Td (ANT) Tj ET Q q 0 0 0 rg BT 411.60 353.10 Td (, ET) Tj ET Q q 0 0 0 rg BT 428.64 353.10 Td ( ) Tj ET Q q 0 0 0 rg BT 430.59 353.10 Td (AL. v) Tj ET Q q 0 0 0 rg BT 453.27 353.10 Td (. BANK OF ) Tj ET Q q 0 0 0 rg BT 503.83 353.10 Td (AMERICA) Tj ET Q q 0 0 0 rg BT 549.40 353.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 370.13 341.10 Td (TION, ET) Tj ET Q q 0 0 0 rg BT 411.05 341.10 Td ( ) Tj ET Q q 0 0 0 rg BT 412.99 341.10 Td (AL. Plaintif) Tj ET Q q 0 0 0 rg BT 460.59 341.10 Td (fs allege that defendants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (engaged in a conspiracy to fix currency prices in violation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (the Sherman ) Tj ET Q q 0 0 0 rg BT 376.21 317.10 Td (Act and various state antitrust laws. On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (November 15, 2018, the court denied plaintif) Tj ET Q q 0 0 0 rg BT 504.33 305.10 Td (fs) Tj ET Q q 0 0 0 rg BT 514.14 305.10 Td ( motion for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (preliminary approval of a proposed class settlement with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (Citi defendants and requested plaintif) Tj ET Q q 0 0 0 rg BT 473.78 281.10 Td (fs to provide additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (information. ) Tj ET Q q 0 0 0 rg BT 375.66 269.10 Td (Additional information concerning these actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (is publicly available in court filings under the docket numbers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (16 Civ) Tj ET Q q 0 0 0 rg BT 350.30 245.10 Td (. 7512 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 414.57 245.10 Td (.\) \(Schofield, J.\), 17 Civ) Tj ET Q q 0 0 0 rg BT 510.57 245.10 Td (. 4392 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (\(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 360.77 233.10 Td (.\) \(Schofield, J.\), and 17 Civ) Tj ET Q q 0 0 0 rg BT 473.71 233.10 Td (. 3139 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 537.98 233.10 Td (.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (\(Schofield, J.\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (Interbank Offer) Tj ET Q q 0 0 0 rg BT 392.98 197.10 Td (ed Rates-Related Litigation and Other) Tj ET Q q 0 0 0 rg BT 556.68 197.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (Antitrust and Other Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.29 173.10 Td (: Citigroup and Citibank, along ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (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 324.00 149.10 Td (defendants in a multi-district litigation proceeding before the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 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 324.00 125.10 Td (Y) Tj ET Q q 0 0 0 rg BT 330.22 125.10 Td (ork captioned IN RE LIBOR-BASED FINANCIAL) Tj ET Q q 0 0 0 rg BT 537.88 125.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (INSTRUMENTS ) Tj ET Q q 0 0 0 rg BT 395.95 113.10 Td (ANTITRUST) Tj ET Q q 0 0 0 rg BT 451.32 113.10 Td ( LITIGA) Tj ET Q q 0 0 0 rg BT 486.04 113.10 Td (TION. Plaintif) Tj ET Q q 0 0 0 rg BT 544.18 113.10 Td (fs, on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (behalf of dif) Tj ET Q q 0 0 0 rg BT 373.24 101.10 Td (ferent putative classes and individually) Tj ET Q q 0 0 0 rg BT 528.66 101.10 Td (, assert ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (claims under the Sherman ) Tj ET Q q 0 0 0 rg BT 430.08 89.10 Td (Act, the Commodities Exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (Act, and state antitrust, unfair competition, and restraint-of-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (trade laws, as well as various common law claims, based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (allegations that defendants suppressed or otherwise ) 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 (280) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (manipulated USD LIBOR. Plaintif) Tj ET Q q 0 0 0 rg BT 174.70 749.10 Td (fs seek compensatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (damages, restitution, treble damages where authorized by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (statute, and injunctive relief.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 713.10 Td (On December 5, 2018, a court granted preliminary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (approval of a settlement among Citigroup, Citibank and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (class of investors who purchased USD LIBOR debt securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (from non-defendant sellers, pursuant to which the Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (defendants paid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.53 665.10 Td ($7.025 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.42 665.10 Td (. On December 20, 2018, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (court granted final approval of a settlement among Citigroup, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (Citibank and a class of lending institutions with interests in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (loans tied to USD LIBOR, pursuant to which the Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (defendants paid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.53 617.10 Td ($23 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.92 617.10 Td (. ) Tj ET Q q 0 0 0 rg BT 152.37 617.10 Td (Additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (concerning these actions and related actions and appeals is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (publicly available in court filings under the docket numbers 1) Tj ET Q q 0 0 0 rg BT 281.95 593.10 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (MD 2262 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 113.88 581.10 Td (.\) \(Buchwald, J.\) and 17-1569 \(2d Cir) Tj ET Q q 0 0 0 rg BT 264.13 581.10 Td (.\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 569.10 Td (In 2015, plaintif) Tj ET Q q 0 0 0 rg BT 118.53 569.10 Td (fs in the class action SULLIV) Tj ET Q q 0 0 0 rg BT 236.38 569.10 Td (AN v) Tj ET Q q 0 0 0 rg BT 257.68 569.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (BARCLA) Tj ET Q q 0 0 0 rg BT 75.64 557.10 Td (YS PLC, ET) Tj ET Q q 0 0 0 rg BT 126.30 557.10 Td ( ) Tj ET Q q 0 0 0 rg BT 128.25 557.10 Td (AL., pending in the United States ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (District Court for the Southern District of New ) Tj ET Q q 0 0 0 rg BT 225.59 545.10 Td (Y) Tj ET Q q 0 0 0 rg BT 231.82 545.10 Td (ork, filed a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (fourth amended complaint naming Citigroup, Citibank, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (various other banks as defendants. Plaintif) Tj ET Q q 0 0 0 rg BT 205.22 521.10 Td (fs claim to have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (suf) Tj ET Q q 0 0 0 rg BT 48.04 509.10 Td (fered losses as a result of purported EURIBOR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (manipulation and assert claims under the Commodity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 77.37 485.10 Td (Act, the Sherman ) Tj ET Q q 0 0 0 rg BT 149.02 485.10 Td (Act, and the federal civil ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (Racketeer Influenced and Corrupt Or) Tj ET Q q 0 0 0 rg BT 184.64 473.10 Td (ganizations \(RICO\) ) Tj ET Q q 0 0 0 rg BT 265.18 473.10 Td (Act ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (and for unjust enrichment. In 2017, the court granted in part ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (and denied in part defendants) Tj ET Q q 0 0 0 rg BT 156.32 449.10 Td ( motion to dismiss. On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (December 19, 2018, the court preliminarily approved a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (settlement among the Citi and JPMor) Tj ET Q q 0 0 0 rg BT 184.97 425.10 Td (gan defendants and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 64.70 413.10 Td (fs pursuant to which the settling defendants collectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (agreed to pay a total of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.40 401.10 Td ($182.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.30 401.10 Td (. ) Tj ET Q q 0 0 0 rg BT 193.74 401.10 Td (Additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 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 36.00 377.10 Td (under the docket number 13 Civ) Tj ET Q q 0 0 0 rg BT 164.49 377.10 Td (. 281) Tj ET Q q 0 0 0 rg BT 184.12 377.10 Td (1 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 228.38 377.10 Td (.\) \(Castel, J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 365.10 Td (In 2016, a putative class action captioned FRONTPOINT) Tj ET Q q 0 0 0 rg BT 283.77 365.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (ASIAN EVENT) Tj ET Q q 0 0 0 rg BT 101.64 353.10 Td ( DRIVEN FUND, L) Tj ET Q q 0 0 0 rg BT 181.83 353.10 Td (TD., ET) Tj ET Q q 0 0 0 rg BT 214.70 353.10 Td ( ) Tj ET Q q 0 0 0 rg BT 216.65 353.10 Td (AL) Tj ET Q q 0 0 0 rg BT 229.61 353.10 Td ( v) Tj ET Q q 0 0 0 rg BT 236.46 353.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (CITIBANK, N.A., ET) Tj ET Q q 0 0 0 rg BT 125.25 341.10 Td ( ) Tj ET Q q 0 0 0 rg BT 127.20 341.10 Td (AL. was filed in the United States ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (District Court for the Southern District of New ) Tj ET Q q 0 0 0 rg BT 225.59 329.10 Td (Y) Tj ET Q q 0 0 0 rg BT 231.82 329.10 Td (ork against ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (Citibank, Citigroup and various other banks.Plaintif) Tj ET Q q 0 0 0 rg BT 245.79 317.10 Td (fs assert ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (claims for violations of the Sherman ) Tj ET Q q 0 0 0 rg BT 183.75 305.10 Td (Act, Clayton ) Tj ET Q q 0 0 0 rg BT 236.80 305.10 Td (Act, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (RICO ) Tj ET Q q 0 0 0 rg BT 61.84 293.10 Td (Act, as well as state law claims for alleged manipulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (of the Singapore Interbank Of) Tj ET Q q 0 0 0 rg BT 155.78 281.10 Td (fered Rate and Singapore Swap ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (Of) Tj ET Q q 0 0 0 rg BT 46.37 269.10 Td (fer Rate. On May 22, 2018, the Citi defendants and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 64.70 257.10 Td (fs entered into a settlement under which Citi agreed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.94 245.10 Td ($9.99 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.83 245.10 Td (. ) Tj ET Q q 0 0 0 rg BT 111.28 245.10 Td (Additional information concerning this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 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 36.00 221.10 Td (number 16 Civ) Tj ET Q q 0 0 0 rg BT 95.35 221.10 Td (. 5263 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 159.61 221.10 Td (.\) \(Hellerstein, J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 209.10 Td (In 2016, Banque Delubac filed a summons against ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (Citigroup, Citigroup Global Markets Limited \(CGML\), and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (Citigroup Europe Plc with the Commercial Court of ) Tj ET Q q 0 0 0 rg BT 245.97 185.10 Td (Aubenas, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (France, alleging that defendants suppressed LIBOR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (submissions between 2005 and 2012, and that Banque ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (Delubac) Tj ET Q q 0 0 0 rg BT 72.09 149.10 Td (s EURIBOR-linked lending activity was negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (impacted as a result. Plaintif) Tj ET Q q 0 0 0 rg BT 149.40 137.10 Td (f is seeking compensatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (damages for losses on LIBOR-linked loans to customers and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (for alleged consequential losses to its business. On November ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (6, 2018, the ) Tj ET Q q 0 0 0 rg BT 85.17 101.10 Td (Aubenas Court found that it lacked subject matter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (jurisdiction and transferred the case to the Commercial Court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (of Marseille. ) Tj ET Q q 0 0 0 rg BT 89.04 77.10 Td (An appeal on jurisdiction is pending before the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (Court of ) Tj ET Q q 0 0 0 rg BT 71.56 65.10 Td (Appeal of Nmes. Proceedings before the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (Commercial Court of Marseille are stayed pending the appeal. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (The case is SCS BANQUE DELUBAC & CIE v) Tj ET Q q 0 0 0 rg BT 518.34 749.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (CITIGROUP) Tj ET Q q 0 0 0 rg BT 376.96 737.10 Td ( INC. ET) Tj ET Q q 0 0 0 rg BT 413.72 737.10 Td ( ) Tj ET Q q 0 0 0 rg BT 415.67 737.10 Td (AL.,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 434.00 737.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.50 737.10 Td (Commercial Court of Marseille, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (RG no. 2018F02750.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 713.10 Td (On January 15, 2019, a putative class action captioned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (PUTNAM BANK v) Tj ET Q q 0 0 0 rg BT 403.91 701.10 Td (. INTERCONTINENT) Tj ET Q q 0 0 0 rg BT 494.76 701.10 Td (AL) Tj ET Q q 0 0 0 rg BT 507.72 701.10 Td ( EXCHANGE, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (INC., ET) Tj ET Q q 0 0 0 rg BT 360.76 689.10 Td ( ) Tj ET Q q 0 0 0 rg BT 362.71 689.10 Td (AL., was filed in the United States District Court for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (the Southern District of New ) Tj ET Q q 0 0 0 rg BT 441.66 677.10 Td (Y) Tj ET Q q 0 0 0 rg BT 447.88 677.10 Td (ork against the Intercontinental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Exchange, Inc. \(ICE\), Citigroup, Citibank, CGMI, and various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (other banks. Plaintif) Tj ET Q q 0 0 0 rg BT 404.64 653.10 Td (f asserts claims for violations of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (Sherman ) Tj ET Q q 0 0 0 rg BT 361.50 641.10 Td (Act and Clayton ) Tj ET Q q 0 0 0 rg BT 428.99 641.10 Td (Act and unjust enrichment based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (alleged suppression of the ICE LIBOR and seeks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (compensatory damages, disgor) Tj ET Q q 0 0 0 rg BT 447.40 617.10 Td (gement and treble damages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (where authorized by statute. ) Tj ET Q q 0 0 0 rg BT 438.68 605.10 Td (Additional information relating to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 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 324.00 581.10 Td (docket number 19-cv-00439 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 476.57 581.10 Td (.\) \(Marrero, J.\). ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 345.48 557.10 Td (change Fee Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 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 324.00 533.10 Td (against Citigroup and Related Parties, together with ) Tj ET Q q 0 0 0 rg BT 533.22 533.10 Td (V) Tj ET Q q 0 0 0 rg BT 539.84 533.10 Td (isa, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (MasterCard and other banks and their af) Tj ET Q q 0 0 0 rg BT 484.87 521.10 Td (filiates, in various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (federal district courts and consolidated with other related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (individual cases in a multi-district litigation proceeding in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (United States District Court for the Eastern District of New ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (Y) Tj ET Q q 0 0 0 rg BT 330.22 473.10 Td (ork. ) Tj ET Q q 0 0 0 rg BT 348.37 473.10 Td (This proceeding is captioned IN RE P) Tj ET Q q 0 0 0 rg BT 499.09 473.10 Td (A) Tj ET Q q 0 0 0 rg BT 505.39 473.10 Td (YMENT) Tj ET Q q 0 0 0 rg BT 540.76 473.10 Td ( CARD ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (INTERCHANGE FEE ) Tj ET Q q 0 0 0 rg BT 417.33 461.10 Td (AND MERCHANT) Tj ET Q q 0 0 0 rg BT 497.43 461.10 Td ( DISCOUNT) Tj ET Q q 0 0 0 rg BT 550.30 461.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (ANTITRUST) Tj ET Q q 0 0 0 rg BT 379.37 449.10 Td ( LITIGA) Tj ET Q q 0 0 0 rg BT 414.08 449.10 Td (TION. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 437.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 388.75 437.10 Td (fs, merchants that accept ) Tj ET Q q 0 0 0 rg BT 489.91 437.10 Td (V) Tj ET Q q 0 0 0 rg BT 496.53 437.10 Td (isa and MasterCard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (branded payment cards as well as membership associations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (that claim to represent certain groups of merchants, allege, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (among other things, that defendants have engaged in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (conspiracies to set the price of interchange and merchant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (discount fees on credit and debit card transactions and to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (restrain trade unreasonably through various ) Tj ET Q q 0 0 0 rg BT 500.15 365.10 Td (V) Tj ET Q q 0 0 0 rg BT 506.77 365.10 Td (isa and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (MasterCard rules governing merchant conduct, all in violation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (of Section 1 of the Sherman ) Tj ET Q q 0 0 0 rg BT 437.87 341.10 Td (Act and certain California ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (statutes. Plaintif) Tj ET Q q 0 0 0 rg BT 388.26 329.10 Td (fs further alleged violations of Section 2 of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (Sherman ) Tj ET Q q 0 0 0 rg BT 361.50 317.10 Td (Act. Supplemental complaints also were) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 525.34 317.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.84 317.10 Td (filed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (against defendants in the putative class actions alleging that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (V) Tj ET Q q 0 0 0 rg BT 330.62 293.10 Td (isa) Tj ET Q q 0 0 0 rg BT 344.51 293.10 Td (s and MasterCard) Tj ET Q q 0 0 0 rg BT 417.82 293.10 Td (s respective initial public of) Tj ET Q q 0 0 0 rg BT 528.72 293.10 Td (ferings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (were anticompetitive and violated Section 7 of the Clayton ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (Act, and that MasterCard) Tj ET Q q 0 0 0 rg BT 427.86 269.10 Td (s initial public of) Tj ET Q q 0 0 0 rg BT 495.72 269.10 Td (fering constituted a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (fraudulent conveyance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 245.10 Td (In 2014, the district court entered a final judgment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (approving the terms of a class settlement providing for) Tj ET Q q 0 0 0 rg BT 542.43 233.10 Td (, among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 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 498.40 221.10 Td ($6.05 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.52 221.10 Td (; a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (rebate to merchants participating in the damages class ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (settlement of 10 bps on interchange collected for a period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (eight) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 185.10 Td ( months by the ) Tj ET Q q 0 0 0 rg BT 405.48 185.10 Td (V) Tj ET Q q 0 0 0 rg BT 412.10 185.10 Td (isa and MasterCard networks; and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (changes to certain network rules. ) Tj ET Q q 0 0 0 rg BT 458.21 173.10 Td (V) Tj ET Q q 0 0 0 rg BT 464.33 173.10 Td (arious objectors appealed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (from the final class settlement approval order to the United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (States Court of ) Tj ET Q q 0 0 0 rg BT 385.94 149.10 Td (Appeals for the Second Circuit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 137.10 Td (In 2016, the Court of ) Tj ET Q q 0 0 0 rg BT 428.10 137.10 Td (Appeals reversed the district court) Tj ET Q q 0 0 0 rg BT 568.05 137.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (approval of the class settlement and remanded for further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (proceedings.) Tj ET Q q 0 0 0 rg BT 379.63 113.10 Td (The district court thereafter appointed separate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (interim counsel for a putative class seeking damages and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (putative class seeking injunctive relief. ) Tj ET Q q 0 0 0 rg BT 484.23 89.10 Td (Amended or new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (complaints on behalf of the putative classes and various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (individual merchants were subsequently filed, including a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (further amended complaint on behalf of a putative damages ) 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 (281) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (class and a new complaint on behalf of a putative injunctive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (class, both of which named Citigroup and af) Tj ET Q q 0 0 0 rg BT 213.00 737.10 Td (filiates. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (addition, numerous merchants have filed amended or new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (complaints against ) Tj ET Q q 0 0 0 rg BT 113.03 713.10 Td (V) Tj ET Q q 0 0 0 rg BT 119.65 713.10 Td (isa, MasterCard, and in some instances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (one or more issuing banks. ) Tj ET Q q 0 0 0 rg BT 145.80 701.10 Td (Three of these suits7-ELEVEN, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (INC., ET) Tj ET Q q 0 0 0 rg BT 72.76 689.10 Td ( ) Tj ET Q q 0 0 0 rg BT 74.71 689.10 Td (AL. v) Tj ET Q q 0 0 0 rg BT 97.39 689.10 Td (. ) Tj ET Q q 0 0 0 rg BT 102.21 689.10 Td (VISA) Tj ET Q q 0 0 0 rg BT 124.99 689.10 Td ( INC., ET) Tj ET Q q 0 0 0 rg BT 164.25 689.10 Td ( ) Tj ET Q q 0 0 0 rg BT 166.20 689.10 Td (AL.; ROUNDYS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (SUPERMARKETS, INC. v) Tj ET Q q 0 0 0 rg BT 146.48 677.10 Td (. ) Tj ET Q q 0 0 0 rg BT 151.30 677.10 Td (VISA) Tj ET Q q 0 0 0 rg BT 174.08 677.10 Td ( INC. ET) Tj ET Q q 0 0 0 rg BT 210.84 677.10 Td ( ) Tj ET Q q 0 0 0 rg BT 212.79 677.10 Td (AL.; and LUBYS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (FUDDRUCKERS REST) Tj ET Q q 0 0 0 rg BT 135.50 665.10 Td (AURANTS, LLC, v) Tj ET Q q 0 0 0 rg BT 215.96 665.10 Td (. ) Tj ET Q q 0 0 0 rg BT 220.78 665.10 Td (VISA) Tj ET Q q 0 0 0 rg BT 243.56 665.10 Td ( INC., ET) Tj ET Q q 0 0 0 rg BT 282.82 665.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (ALbrought on behalf of numerous individual merchants, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (name Citigroup and af) Tj ET Q q 0 0 0 rg BT 125.52 641.10 Td (filiates) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 152.73 641.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.23 641.10 Td (as defendants.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 629.10 Td (On January 24, 2019, the court granted the damages class ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 64.70 617.10 Td (fs) Tj ET Q q 0 0 0 rg BT 74.51 617.10 Td ( motion for preliminary approval of a settlement with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (the defendants, including Citigroup. ) Tj ET Q q 0 0 0 rg BT 184.96 605.10 Td (The settlement involves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (the damages class only and does not settle the claims of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (injunctive relief class or any actions brought on a non-class ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (basis by individual merchants. ) Tj ET Q q 0 0 0 rg BT 162.09 569.10 Td (Additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (concerning these consolidated actions is publicly available in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (court filings under the docket number MDL) Tj ET Q q 0 0 0 rg BT 211.14 545.10 Td ( 05-1720 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (\(E.D.N.Y) Tj ET Q q 0 0 0 rg BT 73.31 533.10 Td (.\) \(Brodie, J.\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 57.48 509.10 Td (est Rate Swaps Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 82.75 497.10 Td (Actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.75 497.10 Td (:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 115.53 497.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.03 497.10 Td (The Commodity Futures ) Tj ET Q q 0 0 0 rg BT 218.68 497.10 Td (T) Tj ET Q q 0 0 0 rg BT 224.43 497.10 Td (rading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (Commission \(CFTC\) is conducting an investigation into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (alleged anticompetitive conduct in the trading and clearing of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (interest rate swaps \(IRS\) by investment banks. Citigroup is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (cooperating with the investigation.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 437.10 Td (Antitrust and Other Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.29 437.10 Td (:Beginning in 2015, IRS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (market participants, including Citigroup, Citibank, CGMI, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (CGML) Tj ET Q q 0 0 0 rg BT 64.52 413.10 Td ( and numerous other parties, were named as defendants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (in a number of industry-wide putative class actions. ) Tj ET Q q 0 0 0 rg BT 247.44 401.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (actions have been consolidated in the United States District ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (Court for the Southern District of New ) Tj ET Q q 0 0 0 rg BT 193.10 377.10 Td (Y) Tj ET Q q 0 0 0 rg BT 199.32 377.10 Td (ork under the caption ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (IN RE INTEREST) Tj ET Q q 0 0 0 rg BT 111.37 365.10 Td ( RA) Tj ET Q q 0 0 0 rg BT 126.65 365.10 Td (TE SW) Tj ET Q q 0 0 0 rg BT 155.26 365.10 Td (APS ) Tj ET Q q 0 0 0 rg BT 175.55 365.10 Td (ANTITRUST) Tj ET Q q 0 0 0 rg BT 230.92 365.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (LITIGA) Tj ET Q q 0 0 0 rg BT 68.21 353.10 Td (TION. Plaintif) Tj ET Q q 0 0 0 rg BT 126.36 353.10 Td (fs in these actions allege that defendants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (colluded to prevent the development of exchange-like trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (for IRS, thereby causing the putative classes to suf) Tj ET Q q 0 0 0 rg BT 238.27 329.10 Td (fer losses in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (connection with their IRS transactions. Plaintif) Tj ET Q q 0 0 0 rg BT 223.56 317.10 Td (fs assert federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (antitrust claims and claims for unjust enrichment. ) Tj ET Q q 0 0 0 rg BT 235.96 305.10 Td (Also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (consolidated under the same caption are two individual actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (filed by swap execution facilities, asserting federal and state ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (antitrust claims as well as claims for unjust enrichment and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (tortious interference with business relations. Plaintif) Tj ET Q q 0 0 0 rg BT 244.66 257.10 Td (fs in all of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (these actions seek treble damages, fees, costs and injunctive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (relief. On October 25, 2018, the putative class plaintif) Tj ET Q q 0 0 0 rg BT 251.59 233.10 Td (fs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (moved for leave to file a fourth consolidated class action ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (complaint.On November 20, 2018, the district court granted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (in part and denied in part defendants) Tj ET Q q 0 0 0 rg BT 184.65 197.10 Td ( motion to dismiss in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (TRUEEX LLC v) Tj ET Q q 0 0 0 rg BT 103.68 185.10 Td (. BANK OF ) Tj ET Q q 0 0 0 rg BT 154.24 185.10 Td (AMERICA) Tj ET Q q 0 0 0 rg BT 199.80 185.10 Td ( CORPORA) Tj ET Q q 0 0 0 rg BT 248.43 185.10 Td (TION, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (ET) Tj ET Q q 0 0 0 rg BT 48.04 173.10 Td ( ) Tj ET Q q 0 0 0 rg BT 49.98 173.10 Td (AL.) Tj ET Q q 0 0 0 rg BT 67.76 173.10 Td (Additional information concerning these actions is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 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 36.00 149.10 Td (18-CV) Tj ET Q q 0 0 0 rg BT 62.30 149.10 Td (-5361 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 124.90 149.10 Td (.\) \(Engelmayer) Tj ET Q q 0 0 0 rg BT 184.47 149.10 Td (, J.\) and 16-MD-2704 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (\(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 72.77 137.10 Td (.\) \(Engelmayer) Tj ET Q q 0 0 0 rg BT 132.34 137.10 Td (, J.\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (Money Laundering Inquiries) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 82.75 101.10 Td (Actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.75 101.10 Td (:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 115.53 101.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.03 101.10 Td (Citibank has received subpoenas from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (United States ) Tj ET Q q 0 0 0 rg BT 91.55 89.10 Td (Attorney for the Eastern District of New ) Tj ET Q q 0 0 0 rg BT 255.30 89.10 Td (Y) Tj ET Q q 0 0 0 rg BT 261.52 89.10 Td (ork in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (connection with its investigation of alleged bribery) Tj ET Q q 0 0 0 rg BT 239.19 77.10 Td (, corruption ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (and money laundering associated with the Fdration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (Internationale de Football ) Tj ET Q q 0 0 0 rg BT 141.25 53.10 Td (Association \(FIF) Tj ET Q q 0 0 0 rg BT 208.01 53.10 Td (A\), and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (potential involvement of financial institutions in that activity) Tj ET Q q 0 0 0 rg BT 566.36 749.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (The subpoenas request information relating to, among other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (things, banking relationships and transactions at Citibank and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (its af) Tj ET Q q 0 0 0 rg BT 343.54 713.10 Td (filiates associated with certain individuals and entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (identified as having had involvement with the alleged corrupt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (conduct. Citi is cooperating with the authorities in this matter) Tj ET Q q 0 0 0 rg BT 568.96 689.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Oceanografa Fraud and Related Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 370.75 653.10 Td (Actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.75 653.10 Td (: On ) Tj ET Q q 0 0 0 rg BT 420.20 653.10 Td (August 16, 2018, Citi resolved an SEC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (investigation into Citigroup) Tj ET Q q 0 0 0 rg BT 437.33 641.10 Td (s announcement in the first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (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 324.00 617.10 Td (Mexicanos \(Pemex\) supplier program involving Oceanografa ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (S.A. de C.V) Tj ET Q q 0 0 0 rg BT 371.32 605.10 Td (. \(OSA\), a Mexican oil services company and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (key supplier to Pemex. ) Tj ET Q q 0 0 0 rg BT 417.60 593.10 Td (As part of the resolution, Citi agreed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (pay a civil penalty of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.91 581.10 Td ($4.75 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.81 581.10 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 569.10 Td (Other Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.28 569.10 Td (: In 2016, a complaint was filed against ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (Citigroup in the United States District Court for the Southern ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (District of Florida alleging that it conspired with OSA) Tj ET Q q 0 0 0 rg BT 540.08 545.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (others with respect to receivable financings and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (financing arrangements related to OSA) Tj ET Q q 0 0 0 rg BT 480.06 521.10 Td ( in a manner that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (injured bondholders and other creditors of OSA. ) Tj ET Q q 0 0 0 rg BT 519.89 509.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (complaint asserts claims on behalf of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.07 497.10 Td (39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.07 497.10 Td ( plaintif) Tj ET Q q 0 0 0 rg BT 516.27 497.10 Td (fs that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (characterized variously as trade creditors of, investors in, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (lenders to OSA. Plaintif) Tj ET Q q 0 0 0 rg BT 419.92 473.10 Td (fs collectively claim to have lost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.11 473.10 Td ($1.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.11 461.10 Td ( as a result of OSA) Tj ET Q q 0 0 0 rg BT 424.83 461.10 Td () Tj ET Q q 0 0 0 rg BT 427.60 461.10 Td (s bankruptcy) Tj ET Q q 0 0 0 rg BT 478.33 461.10 Td (. ) Tj ET Q q 0 0 0 rg BT 483.15 461.10 Td (The complaint asserts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (claims under the federal civil RICO law and seeks treble ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (damages and other relief pursuant to that statute. ) Tj ET Q q 0 0 0 rg BT 520.70 437.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (complaint also asserts claims for fraud and breach of fiduciary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (duty) Tj ET Q q 0 0 0 rg BT 341.13 413.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 401.10 Td (Subsequently) Tj ET Q q 0 0 0 rg BT 395.24 401.10 Td (, plaintif) Tj ET Q q 0 0 0 rg BT 428.94 401.10 Td (fs filed an amended complaint ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (adding common law claims for fraud, aiding and abetting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (fraud, and conspiracy on behalf of all plaintif) Tj ET Q q 0 0 0 rg BT 504.86 377.10 Td (fs. On January ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (30, 2018, the court granted Citigroup) Tj ET Q q 0 0 0 rg BT 475.36 365.10 Td (s motion to dismiss the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (amended complaint, which plaintif) Tj ET Q q 0 0 0 rg BT 463.22 353.10 Td (fs appealed. ) Tj ET Q q 0 0 0 rg BT 512.93 353.10 Td (Additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (information concerning this action is publicly available in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (court filings under the docket number 16-20725 \(S.D. Fla.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (\(Gayles, J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 305.10 Td (In 2017, a complaint was filed against Citigroup in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 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 324.00 281.10 Td (Y) Tj ET Q q 0 0 0 rg BT 330.22 281.10 Td (ork by OSA) Tj ET Q q 0 0 0 rg BT 378.00 281.10 Td ( and its controlling shareholder) Tj ET Q q 0 0 0 rg BT 502.02 281.10 Td (, ) Tj ET Q q 0 0 0 rg BT 506.47 281.10 Td (Amado ) Tj ET Q q 0 0 0 rg BT 538.03 281.10 Td (Yez ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (Osuna. ) Tj ET Q q 0 0 0 rg BT 356.87 269.10 Td (The complaint alleges that plaintif) Tj ET Q q 0 0 0 rg BT 493.87 269.10 Td (fs were injured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (when Citigroup made certain public statements about ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (receivable financings and other financing arrangements related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (to OSA. ) Tj ET Q q 0 0 0 rg BT 359.10 233.10 Td (The complaint asserts claims for malicious ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (prosecution and tortious interference with existing and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (prospective business relationships. Plaintif) Tj ET Q q 0 0 0 rg BT 494.35 209.10 Td (fs later filed an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (amended complaint adding CGMI, Citibank and Banco ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (Nacional de Mxico, or Banamex, as defendants and adding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (causes of action for fraud and breach of contract. On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (September 28, 2018, the court granted defendants motion to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (dismiss, which plaintif) Tj ET Q q 0 0 0 rg BT 414.65 149.10 Td (fs have appealed. ) Tj ET Q q 0 0 0 rg BT 488.23 149.10 Td (Additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (information concerning this action is publicly available in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (court filings under the docket number 1:17-cv-01434 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (\(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 360.77 113.10 Td (.\) \(Sullivan, J.\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (Parmalat Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (In 2004, an Italian commissioner appointed to oversee the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 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 53.10 Td (complaint against Citigroup and Related Parties alleging that ) Tj ET Q 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 (282) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (the defendants facilitated a number of frauds by Parmalat ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (insiders. In 2008, a jury rendered a verdict in Citigroup) Tj ET Q q 0 0 0 rg BT 259.55 737.10 Td (s favor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (and awarded Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.81 725.10 Td ($431 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.20 725.10 Td (. Citigroup has taken steps to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (enforce the judgment in Italian court. In 2014, an Italian court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (of appeal af) Tj ET Q q 0 0 0 rg BT 83.01 701.10 Td (firmed the decision in the full amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.42 701.10 Td ($431 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.89 689.10 Td (, which Parmalat has appealed to the Italian Supreme ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (Court. ) Tj ET Q q 0 0 0 rg BT 63.23 677.10 Td (Additional information concerning this action is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (publicly available in court filings under the docket number ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (27618/2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 641.10 Td (In 2015, Parmalat filed a claim in an Italian civil court in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (Milan claiming damages of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.19 629.10 Td (1.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.31 629.10 Td ( against Citigroup and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (Related Parties. On January 25, 2018, the Milan court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (dismissed Parmalat) Tj ET Q q 0 0 0 rg BT 116.27 605.10 Td (s claim on grounds that it was duplicative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (of Parmalat) Tj ET Q q 0 0 0 rg BT 85.15 593.10 Td (s previously unsuccessful claims.On March 2, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (2018, Parmalat filed an appeal to the Milan Court of ) Tj ET Q q 0 0 0 rg BT 247.34 581.10 Td (Appeal. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (Additional information concerning this action is publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (available in court filings under the docket number 1009/2018.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (Referral Hiring Practices Investigations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (Government and regulatory agencies in the U.S., including the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (SEC, are conducting investigations or making inquiries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (concerning compliance with the Foreign Corrupt Practices ) Tj ET Q q 0 0 0 rg BT 271.77 497.10 Td (Act ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (and other laws with respect to the hiring of candidates referred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (by or related to foreign government of) Tj ET Q q 0 0 0 rg BT 189.10 473.10 Td (ficials. Citigroup is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (cooperating with the investigations and inquiries.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (Sover) Tj ET Q q 0 0 0 rg BT 60.26 437.10 Td (eign Securities Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 82.75 425.10 Td (Actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.75 425.10 Td (: Government and regulatory agencies in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (the United States and in other jurisdictions are conducting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (investigations or making inquiries regarding Citigroup) Tj ET Q q 0 0 0 rg BT 256.80 401.10 Td (s sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (and trading activities in connection with sovereign and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (government-related securities. Citigroup is fully cooperating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (with these investigations and inquiries.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 353.10 Td (Antitrust and Other Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.29 353.10 Td (: Beginning in 2015, CGMI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (and numerous other U.S. ) Tj ET Q q 0 0 0 rg BT 138.03 341.10 Td (T) Tj ET Q q 0 0 0 rg BT 143.78 341.10 Td (reasury primary dealer banks were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (named as defendants in a number of substantially similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (putative class actions involving allegations that they colluded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (to manipulate U.S. ) Tj ET Q q 0 0 0 rg BT 113.31 305.10 Td (T) Tj ET Q q 0 0 0 rg BT 119.07 305.10 Td (reasury securities markets. ) Tj ET Q q 0 0 0 rg BT 227.73 305.10 Td (The cases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (were later consolidated in the United States District Court for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (the Southern District of New ) Tj ET Q q 0 0 0 rg BT 153.66 281.10 Td (Y) Tj ET Q q 0 0 0 rg BT 159.88 281.10 Td (ork. Plaintif) Tj ET Q q 0 0 0 rg BT 207.47 281.10 Td (fs then filed a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (consolidated complaint, which alleges that CGMI and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (primary dealer defendants colluded to fix ) Tj ET Q q 0 0 0 rg BT 203.53 257.10 Td (T) Tj ET Q q 0 0 0 rg BT 209.29 257.10 Td (reasury auction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (bids by sharing competitively sensitive information ahead of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (the auctions, in violation of the antitrust laws. ) Tj ET Q q 0 0 0 rg BT 221.34 233.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (consolidated complaint also alleges that CGMI and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (primary dealer defendants colluded to boycott and prevent the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (emer) Tj ET Q q 0 0 0 rg BT 55.80 197.10 Td (gence of an anonymous, all-to-all electronic trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (platform in the ) Tj ET Q q 0 0 0 rg BT 97.75 185.10 Td (T) Tj ET Q q 0 0 0 rg BT 103.50 185.10 Td (reasuries secondary market, and seeks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (damages, including treble damages where authorized by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (statute, and injunctive relief. Defendants filed motions to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (dismiss on February 23, 2018. ) Tj ET Q q 0 0 0 rg BT 159.06 149.10 Td (Additional information relating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (to 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 36.00 125.10 Td (docket number 15-MD-2673 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 190.24 125.10 Td (.\) \(Gardephe, J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 113.10 Td (Beginning in 2016, a number of substantially similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (putative class action complaints were filed against a number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (financial institutions and traders related to the supranational, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (sub-sovereign, and agency \(SSA\) bond market. ) Tj ET Q q 0 0 0 rg BT 227.44 77.10 Td (The actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (are based upon defendants) Tj ET Q q 0 0 0 rg BT 144.38 65.10 Td ( roles as market makers and traders ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (of SSA) Tj ET Q q 0 0 0 rg BT 64.62 53.10 Td ( bonds and assert claims of alleged collusion under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (antitrust laws and unjust enrichment and seek damages, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (including treble damages where authorized by statute, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (disgor) Tj ET Q q 0 0 0 rg BT 348.82 725.10 Td (gement. ) Tj ET Q q 0 0 0 rg BT 383.07 725.10 Td (These actions were later consolidated in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 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 324.00 701.10 Td (Y) Tj ET Q q 0 0 0 rg BT 330.22 701.10 Td (ork. Subsequently) Tj ET Q q 0 0 0 rg BT 401.79 701.10 Td (, plaintif) Tj ET Q q 0 0 0 rg BT 435.49 701.10 Td (fs filed a consolidated complaint ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (that names Citigroup, Citibank, CGMI and CGML) Tj ET Q q 0 0 0 rg BT 526.39 689.10 Td ( among the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (defendants. Plaintif) Tj ET Q q 0 0 0 rg BT 401.58 677.10 Td (fs filed a second amended consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (complaint on November 6, 2018, which defendants moved to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (dismiss. ) Tj ET Q q 0 0 0 rg BT 358.46 653.10 Td (Additional information relating to this action is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (publicly available in court filings under the docket number 16-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (cv-0371) Tj ET Q q 0 0 0 rg BT 356.40 629.10 Td (1 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 400.67 629.10 Td (.\) \(Ramos, J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 617.10 Td (In 2017, a class action related to the SSA) Tj ET Q q 0 0 0 rg BT 506.13 617.10 Td ( bond market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (was filed in the Ontario Court of Justice against Citigroup, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Citibank, CGMI, CGML, Citibank Canada and Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (Global Markets Canada, Inc., among other defendants, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (asserting claims for breach of contract, breach of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (competition act, breach of foreign law) Tj ET Q q 0 0 0 rg BT 476.07 557.10 Td (, unjust enrichment, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (civil conspiracy) Tj ET Q q 0 0 0 rg BT 386.94 545.10 Td (. Plaintif) Tj ET Q q 0 0 0 rg BT 421.20 545.10 Td (fs seek compensatory and punitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (damages, as well as declaratory relief. ) Tj ET Q q 0 0 0 rg BT 478.38 533.10 Td (Additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (relating to this action is publicly available in court filings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (under the docket number CV) Tj ET Q q 0 0 0 rg BT 439.16 509.10 Td (-17-586082-00CP) Tj ET Q q 0 0 0 rg BT 511.01 509.10 Td ( \(Ont. S.C.J.\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 497.10 Td (Also in 2017, a second similar action was initiated in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (Canadian Federal Court by the same law firm against the same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (Citi entities as the Ontario action, in addition to other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (defendants.) Tj ET Q q 0 0 0 rg BT 372.13 461.10 Td (The action asserts claims for breach of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (competition act and breach of foreign law) Tj ET Q q 0 0 0 rg BT 490.50 449.10 Td (.) Tj ET Q q 0 0 0 rg BT 494.95 449.10 Td (Additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (information relating to this action is publicly available in court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (filings under the docket number ) Tj ET Q q 0 0 0 rg BT 454.06 425.10 Td (T) Tj ET Q q 0 0 0 rg BT 459.25 425.10 Td (-1871-17 \(Fed. Ct.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 413.10 Td (Beginning in March 2018, six complaints \(later ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (consolidated\) were filed in the United States District Court for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (the Southern District of New ) Tj ET Q q 0 0 0 rg BT 441.66 389.10 Td (Y) Tj ET Q q 0 0 0 rg BT 447.88 389.10 Td (ork against numerous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (defendants, including Citigroup, CGMI, Citigroup Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (Products Inc., Citigroup Global Markets Holdings Inc., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (Citibanamex, and Grupo Banamex, related to the Mexican ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (sovereign bond market. ) Tj ET Q q 0 0 0 rg BT 420.46 341.10 Td (The complaints allege a conspiracy to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (fix prices in the Mexican sovereign bond market from January ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (1, 2006 to ) Tj ET Q q 0 0 0 rg BT 366.23 317.10 Td (April 19, 2017, and assert antitrust and unjust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (enrichment claims against the Citi defendants, as well as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (number of other banks. Plaintif) Tj ET Q q 0 0 0 rg BT 448.52 293.10 Td (fs seek statutory treble ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (damages, restitution, and injunctive relief. Defendants moved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (to dismiss the consolidated amended complaint. ) Tj ET Q q 0 0 0 rg BT 517.58 269.10 Td (Additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (information relating to this consolidated action is publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (available in court filings under the docket number 18 Civ) Tj ET Q q 0 0 0 rg BT 552.46 245.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (2830 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 383.27 233.10 Td (.\) \(Oetken, J.\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (Settlement Payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (Payments required in settlement agreements described above ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (have been made or are covered by existing litigation accruals.) Tj ET Q endstream endobj 567 0 obj <> endobj 568 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (283) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (28.CONDENSED CONSOLIDA) Tj ET Q q 0 0 0 rg BT 181.11 742.25 Td (TING FINANCIAL) Tj ET Q q 0 0 0 rg BT 265.29 742.25 Td ( ) 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 (A) Tj ET Q q 0 0 0 rg BT 53.97 730.25 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (Citigroup amended its Registration Statement on Form S-3 on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (file with the SEC \(File No. 33-192302\) to add its wholly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (owned subsidiary) Tj ET Q q 0 0 0 rg BT 105.62 682.25 Td (, Citigroup Global Markets Holdings Inc. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (\(CGMHI\), as a co-registrant. ) Tj ET Q q 0 0 0 rg BT 153.74 670.25 Td (Any securities issued by CGMHI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (under the Form S-3 will be fully and unconditionally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (guaranteed by Citigroup. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 634.25 Td (The following are the Condensed Consolidating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (Statements of Income and Comprehensive Income for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (years ended December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.56 610.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.56 610.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.56 610.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.56 610.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.00 610.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.00 610.25 Td (, Condensed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (Consolidating Balance Sheet as of December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.28 598.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.28 598.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 586.25 Td ( and Condensed Consolidating Statement of Cash Flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (for the years ended December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.44 574.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.44 574.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.44 574.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.44 574.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.88 574.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.88 574.25 Td ( for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (Citigroup Inc., the parent holding company \(Citigroup parent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (company\), CGMHI, other Citigroup subsidiaries and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (eliminations and total consolidating adjustments. 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.) 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0.9333333333333333 1 rg /GS0 gs 374.50 261.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 261.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 261.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 261.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 261.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 261.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 235.75 228.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 235.75 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 235.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 235.75 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 235.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 235.75 69.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 235.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 235.75 65.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 235.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 235.75 56.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 198.75 228.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 198.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 198.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 198.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 198.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 198.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 198.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 198.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 198.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 198.75 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 36.5 386.75 m 264.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 386.75 m 317.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 386.75 m 321.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 386.75 m 374.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 386.75 m 378.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 386.75 m 447.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 386.75 m 451.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 386.75 m 516.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 386.75 m 520.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 386.75 m 576.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 386.75 m 264.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 363.75 m 264.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 386.75 m 317.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 363.75 m 317.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 386.75 m 321.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 363.75 m 321.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 386.75 m 374.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 363.75 m 374.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 386.75 m 378.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 363.75 m 378.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 386.75 m 447.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 363.75 m 447.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 363.75 m 451.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 386.75 m 516.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 363.75 m 516.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 363.75 m 520.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 386.75 m 576.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 363.75 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 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 36.5 274.75 m 264.5 274.75 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 264.5 274.75 m 317.5 274.75 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 317.5 274.75 m 321.5 274.75 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 321.5 274.75 m 374.5 274.75 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 374.5 274.75 m 378.5 274.75 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 378.5 274.75 m 447.5 274.75 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 447.5 274.75 m 451.5 274.75 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 451.5 274.75 m 516.5 274.75 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 516.5 274.75 m 520.5 274.75 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 520.5 274.75 m 576.5 274.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 274.75 m 317.5 274.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 274.75 m 374.5 274.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 274.75 m 447.5 274.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 274.75 m 516.5 274.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 274.75 m 576.5 274.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 248.75 m 264.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 248.75 m 317.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 248.75 m 321.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 248.75 m 374.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 248.75 m 378.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 248.75 m 447.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 248.75 m 451.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 248.75 m 516.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 248.75 m 520.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 248.75 m 576.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 248.75 m 317.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 248.75 m 321.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 248.75 m 374.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 248.75 m 378.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 248.75 m 447.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 248.75 m 451.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 248.75 m 516.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 248.75 m 520.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 248.75 m 576.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 235.75 m 264.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 235.75 m 317.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 235.75 m 321.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 235.75 m 374.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 235.75 m 378.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 235.75 m 447.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 235.75 m 451.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 235.75 m 516.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 235.75 m 520.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 235.75 m 576.5 235.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 198.75 m 264.5 198.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 198.75 m 317.5 198.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 198.75 m 321.5 198.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 198.75 m 374.5 198.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 198.75 m 378.5 198.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 198.75 m 447.5 198.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 198.75 m 451.5 198.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 198.75 m 516.5 198.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 198.75 m 520.5 198.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 198.75 m 576.5 198.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 185.75 m 264.5 185.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 185.75 m 317.5 185.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 185.75 m 321.5 185.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 185.75 m 374.5 185.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 185.75 m 378.5 185.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 185.75 m 447.5 185.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 185.75 m 451.5 185.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 185.75 m 516.5 185.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 185.75 m 520.5 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 198.75 m 576.5 198.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 185.75 m 576.5 185.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.05 722.20 Td (Y) Tj ET Q q 0 0 0 rg BT 367.05 722.20 Td (ear) Tj ET Q q 0 0 0 rg BT 378.96 722.20 Td ( ended December) Tj ET Q q 0 0 0 rg BT 445.28 722.20 Td ( 31, 2018) 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 271.80 708.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 294.71 708.20 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.80 699.20 Td (par) Tj ET Q q 0 0 0 rg BT 291.22 699.20 Td (ent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.95 690.20 Td (company) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.25 690.20 Td (CGMHI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.25 708.20 Td (Other) Tj ET Q q 0 0 0 rg BT 404.16 708.20 Td ( Citigr) Tj ET Q q 0 0 0 rg BT 429.24 708.20 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.35 699.20 Td (subsidiaries and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.95 690.20 Td (eliminations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.70 699.20 Td (Consolidating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.95 690.20 Td (adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.30 699.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 552.13 699.20 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.95 690.20 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 664.15 Td (22,854) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 664.15 Td ($) 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 (\(22,854) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 664.15 Td (\)) 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 305.00 651.15 Td (67) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 651.15 Td (8,732) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 651.15 Td (62,029) 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 (70,828) 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 (4,933) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 638.15 Td (1,659) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 638.15 Td (\(6,592) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 638.15 Td (\)) 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 (4,783) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 625.15 Td (5,430) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 625.15 Td (14,053) 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 (24,266) 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 293.75 612.15 Td (1,198) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 612.15 Td (3,539) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 612.15 Td (\(4,737) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 612.15 Td (\)) 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 inter) Tj ET Q q 0 0 0 rg BT 73.15 599.15 Td (est r) Tj ET Q q 0 0 0 rg BT 89.73 599.15 Td (evenue) 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 297.50 599.15 Td (\(981) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 599.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 599.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 599.15 Td (1,422) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 599.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 599.15 Td (46,121) 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 (46,562) 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 (5,146) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 586.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 586.15 Td (6,71) Tj ET Q q 0 0 0 rg BT 439.50 586.15 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 586.15 Td ($) 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 (1) Tj ET Q q 0 0 0 rg BT 552.75 586.15 Td (1,857) 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 306.50 573.15 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 573.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 573.15 Td (237) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 573.15 Td (\(235) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 573.15 Td (\)) 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 290.75 560.15 Td (\(1,310) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 560.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 560.15 Td (1,599) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 560.15 Td (8,773) 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 (9,062) 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 297.50 547.15 Td (\(929) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 547.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 547.15 Td (1,328) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 547.15 Td (\(399) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 547.15 Td (\)) 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 (1,373) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 534.15 Td (710) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 534.15 Td (3,290) 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 552.75 534.15 Td (5,373) 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 297.50 521.15 Td (\(107) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 521.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 521.15 Td (143) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 521.15 Td (\(36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 521.15 Td (\)) 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 (T) Tj ET Q q 0 0 0 rg BT 44.59 508.15 Td (otal non-inter) Tj ET Q q 0 0 0 rg BT 96.84 508.15 Td (est r) Tj ET Q q 0 0 0 rg BT 113.42 508.15 Td (evenues) 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 (\(975) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 508.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 508.15 Td (9,163) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 508.15 Td (18,104) 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 (26,292) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 495.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 495.15 Td (otal r) Tj ET Q q 0 0 0 rg BT 64.84 495.15 Td (evenues, net of inter) Tj ET Q q 0 0 0 rg BT 141.66 495.15 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 495.15 Td (20,898) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.25 495.15 Td (10,585) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 495.15 Td (64,225) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 495.15 Td (\(22,854) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 495.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 495.15 Td (72,854) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 482.15 Td (Pr) Tj ET Q q 0 0 0 rg BT 48.41 482.15 Td (ovisions for) Tj ET Q q 0 0 0 rg BT 92.50 482.15 Td ( cr) Tj ET Q q 0 0 0 rg BT 102.58 482.15 Td (edit losses and for) Tj ET Q q 0 0 0 rg BT 171.17 482.15 Td ( benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 482.15 Td ($) 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 359.00 482.15 Td (\(22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 482.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 482.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 482.15 Td (7,590) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 482.15 Td ($) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 482.15 Td (7,568) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 469.15 Td (Operating expenses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 456.01 Td (Compensation and benefits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 456.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 456.15 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 456.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 456.15 Td (4,484) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 456.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 456.15 Td (16,666) 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 (21,154) 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 300.50 443.15 Td (1) Tj ET Q q 0 0 0 rg BT 305.00 443.15 Td (15) 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 427.50 443.15 Td (\(1) Tj ET Q q 0 0 0 rg BT 435.00 443.15 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 443.15 Td (\)) 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 297.50 430.15 Td (\(192) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 430.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 430.15 Td (2,224) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 430.15 Td (18,655) 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 (20,687) 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 305.00 417.15 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 417.15 Td (2,312) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 417.15 Td (\(2,361) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 417.15 Td (\)) 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 (T) Tj ET Q q 0 0 0 rg BT 44.59 404.15 Td (otal 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 302.00 404.15 Td (\(24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 404.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 404.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 404.15 Td (9,020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 404.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 404.15 Td (32,845) 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 (41,841) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 391.01 Td (Equity in undistributed income of subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 391.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 391.15 Td (\(2,163) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 391.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 391.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 391.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 391.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.00 391.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 391.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 391.15 Td (2,163) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 391.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 391.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 377.20 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 98.90 377.20 Td (om continuing operations befor) Tj ET Q q 0 0 0 rg BT 219.49 377.20 Td (e income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 368.20 Td (taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 368.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 368.20 Td (18,759) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 368.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 368.20 Td (1,587) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 368.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 368.20 Td (23,790) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 368.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 368.20 Td (\(20,691) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 368.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 368.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 368.20 Td (23,445) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 355.01 Td (Provision for income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 355.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 355.15 Td (714) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 355.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 355.15 Td (1,123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 355.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 355.15 Td (3,520) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 355.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 355.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 355.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 355.15 Td (5,357) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 342.15 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 98.90 342.15 Td (om continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 342.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 342.15 Td (18,045) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 342.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 342.15 Td (464) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 342.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 342.15 Td (20,270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 342.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 342.15 Td (\(20,691) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 342.15 Td (\)) 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 (18,088) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 329.15 Td (Loss fr) Tj ET Q q 0 0 0 rg BT 65.67 329.15 Td (om 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 436.50 329.15 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 329.15 Td (\)) 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 565.50 329.15 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 329.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 315.20 Td (Net income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 127.14 315.20 Td (e attribution of noncontr) Tj ET Q q 0 0 0 rg BT 222.23 315.20 Td (olling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 306.20 Td (inter) Tj ET Q q 0 0 0 rg BT 57.41 306.20 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 306.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 306.20 Td (18,045) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 306.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 306.20 Td (464) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 306.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 306.20 Td (20,262) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 306.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 306.20 Td (\(20,691) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 306.20 Td (\)) 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 (18,080) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 293.15 Td (Noncontr) Tj ET Q q 0 0 0 rg BT 75.42 293.15 Td (olling inter) Tj ET Q q 0 0 0 rg BT 117.50 293.15 Td (ests) 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 362.00 293.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.00 293.15 Td (35) 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 (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 279.20 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 279.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 279.20 Td (18,045) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 279.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 279.20 Td (464) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 279.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 279.20 Td (20,227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 279.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 279.20 Td (\(20,691) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 279.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 279.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 279.20 Td (18,045) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 266.15 Td (Compr) Tj ET Q q 0 0 0 rg BT 66.42 266.15 Td (ehensive income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 253.01 Td (Add: Other comprehensive income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 253.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 253.15 Td (\(2,499) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 253.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 253.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 253.15 Td (257) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 253.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 253.15 Td (3,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 253.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.75 253.15 Td (\(3,757) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 253.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 253.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 253.15 Td (\(2,499) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 253.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 240.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 240.15 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 83.83 240.15 Td (oup compr) Tj ET Q q 0 0 0 rg BT 125.42 240.15 Td (ehensive income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 240.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 240.15 Td (15,546) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 240.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 240.15 Td (721) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 240.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 240.15 Td (23,727) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 240.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 240.15 Td (\(24,448) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 240.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 240.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 240.15 Td (15,546) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 225.21 Td (Add: Other comprehensive income \(loss\) attributable to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 216.21 Td (noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 216.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 216.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 216.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 216.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 216.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 216.20 Td (\(43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 216.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 216.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 216.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 216.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.00 216.20 Td (\(43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 216.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 203.01 Td (Add: Net income attributable to noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 203.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 203.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.00 203.15 Td (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 203.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 203.15 Td (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 190.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 190.15 Td (otal compr) Tj ET Q q 0 0 0 rg BT 85.75 190.15 Td (ehensive income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 190.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 190.15 Td (15,546) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 190.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 190.15 Td (721) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 190.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 190.15 Td (23,719) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 190.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 190.15 Td (\(24,448) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 190.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 190.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 190.15 Td (15,538) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 571 0 obj <> endobj 572 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (285) 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 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1 rg /GS0 gs 449.50 560.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 560.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 560.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 534.75 225.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 534.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 534.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 534.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 534.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 534.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 534.75 6.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 534.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 534.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 534.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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1 rg /GS0 gs 519.50 316.75 56.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 280.75 225.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 280.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 280.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 280.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 280.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 280.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 280.75 6.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 280.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 280.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 280.75 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 253.75 225.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 253.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 253.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 253.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 253.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 253.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 253.75 6.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 253.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 253.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 253.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 227.75 225.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 227.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 227.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 227.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 227.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 227.75 69.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 227.75 6.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 227.75 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 227.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 227.75 56.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 191.75 225.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 191.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 191.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 191.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 191.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 191.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 191.75 6.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 191.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 191.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 191.75 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 260.5 709.75 m 313.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 677.75 m 260.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 709.75 m 313.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 677.75 m 313.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 709.75 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 313.5 677.75 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 370.5 709.75 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 370.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 709.75 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 370.5 677.75 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 443.5 709.75 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 443.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 709.75 m 449.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 677.75 m 449.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 709.75 m 515.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 677.75 m 515.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 709.75 m 519.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 677.75 m 519.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 709.75 m 575.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 677.75 m 575.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 599.75 m 260.5 599.75 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 260.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 599.75 m 313.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 586.75 m 313.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 599.75 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 313.5 586.75 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 370.5 599.75 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 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 370.5 599.75 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 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 35.5 378.75 m 260.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 378.75 m 313.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 378.75 m 317.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 378.75 m 370.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 378.75 m 374.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 378.75 m 443.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 378.75 m 449.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 378.75 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 515.5 378.75 m 519.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 378.75 m 575.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 378.75 m 260.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 355.75 m 260.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 378.75 m 313.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 355.75 m 313.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 355.75 m 317.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 378.75 m 370.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 355.75 m 370.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 355.75 m 374.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 378.75 m 443.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 355.75 m 443.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 355.75 m 449.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 378.75 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 449.5 355.75 m 515.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 355.75 m 519.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 378.75 m 575.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 355.75 m 575.5 355.75 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 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 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 35.5 266.75 m 260.5 266.75 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 260.5 266.75 m 313.5 266.75 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 313.5 266.75 m 317.5 266.75 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 317.5 266.75 m 370.5 266.75 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 370.5 266.75 m 374.5 266.75 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 374.5 266.75 m 443.5 266.75 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 443.5 266.75 m 449.5 266.75 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 449.5 266.75 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 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 515.5 266.75 m 519.5 266.75 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 519.5 266.75 m 575.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 266.75 m 313.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 266.75 m 370.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 266.75 m 443.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 266.75 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 519.5 266.75 m 575.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 240.75 m 260.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 240.75 m 313.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 240.75 m 317.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 240.75 m 370.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 240.75 m 374.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 240.75 m 443.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 240.75 m 449.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 240.75 m 515.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 240.75 m 519.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 240.75 m 575.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 240.75 m 313.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 240.75 m 317.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 240.75 m 370.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 240.75 m 374.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 240.75 m 443.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 240.75 m 449.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 240.75 m 515.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 240.75 m 519.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 240.75 m 575.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 227.75 m 260.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 227.75 m 313.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 227.75 m 317.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 227.75 m 370.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 227.75 m 374.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 227.75 m 443.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 227.75 m 449.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 227.75 m 515.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 227.75 m 519.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 227.75 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 35.5 191.75 m 260.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 191.75 m 313.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 191.75 m 317.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 191.75 m 370.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 191.75 m 374.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 191.75 m 443.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 191.75 m 449.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 191.75 m 515.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 191.75 m 519.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 191.75 m 575.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 178.75 m 260.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 178.75 m 313.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 178.75 m 317.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 178.75 m 370.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 178.75 m 374.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 178.75 m 443.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 178.75 m 449.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 178.75 m 515.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 178.75 m 519.5 178.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 191.75 m 575.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 178.75 m 575.5 178.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.85 714.21 Td (Y) Tj ET Q q 0 0 0 rg BT 366.90 714.21 Td (ear ended December 31, 2017) 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 /F1 9.00 Tf ET q 0 0 0 rg BT 269.20 700.21 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.25 691.21 Td (parent) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.00 682.21 Td (company) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.45 682.21 Td (CGMHI) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.85 700.21 Td (Other Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.60 691.21 Td (subsidiaries and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.25 682.21 Td (eliminations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.70 691.21 Td (Consolidating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.50 682.21 Td (adjustments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.70 691.21 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.25 682.21 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 285.25 656.01 Td (22,499) 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 484.25 656.01 Td (\(22,499) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 656.01 Td (\)) 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 305.50 643.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 643.01 Td (5,279) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 643.01 Td (56,299) 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 (61,579) 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 (3,972) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 630.01 Td (1,178) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 630.01 Td (\(5,150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 630.01 Td (\)) 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 (4,766) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 617.01 Td (2,340) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 617.01 Td (9,412) 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 (16,518) 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 296.50 604.01 Td (829) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 604.01 Td (2,297) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 604.01 Td (\(3,126) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 604.01 Td (\)) 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 inter) Tj ET Q q 0 0 0 rg BT 72.15 591.15 Td (est r) Tj ET Q q 0 0 0 rg BT 88.73 591.15 Td (evenue) 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 (\(1,622) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 591.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 591.01 Td (1,820) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 591.01 Td (44,863) 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 (45,061) 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 (5,366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 578.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 578.01 Td (7,341) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 578.01 Td ($) 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 (12,707) 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 302.50 565.01 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 565.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 565.01 Td (182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 565.01 Td (\(180) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 565.01 Td (\)) 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 289.75 552.01 Td (1,654) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 552.01 Td (1,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 552.01 Td (6,638) 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 (9,475) 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 296.50 539.01 Td (934) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 539.01 Td (1,200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 539.01 Td (\(2,134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 539.01 Td (\)) 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 286.75 526.01 Td (\(2,581) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 526.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 526.01 Td (867) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 526.01 Td (6,915) 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 (5,201) 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 305.50 513.01 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 513.01 Td (170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 513.01 Td (\(175) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 513.01 Td (\)) 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 (T) Tj ET Q q 0 0 0 rg BT 43.59 500.15 Td (otal non-inter) Tj ET Q q 0 0 0 rg BT 95.84 500.15 Td (est r) Tj ET Q q 0 0 0 rg BT 112.42 500.15 Td (evenues) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.00 500.01 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 500.01 Td (8,968) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 500.01 Td (18,405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 500.01 Td ($) 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 500.01 Td (27,383) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 487.15 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 487.15 Td (otal r) Tj ET Q q 0 0 0 rg BT 63.84 487.15 Td (evenues, net of inter) Tj ET Q q 0 0 0 rg BT 140.66 487.15 Td (est expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.25 487.01 Td (20,887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.25 487.01 Td (10,788) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 487.01 Td (63,268) 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 484.25 487.01 Td (\(22,499) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 487.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 487.01 Td (72,444) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 474.15 Td (Pr) Tj ET Q q 0 0 0 rg BT 47.41 474.15 Td (ovisions for) Tj ET Q q 0 0 0 rg BT 91.50 474.15 Td ( cr) Tj ET Q q 0 0 0 rg BT 101.58 474.15 Td (edit losses and for) Tj ET Q q 0 0 0 rg BT 170.17 474.15 Td ( benefits and claims) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 474.01 Td ($) 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 (7,451) 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 (7,451) 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 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 293.50 448.01 Td (\(107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 448.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 448.01 Td (4,403) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 448.01 Td (16,885) 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 (21,181) 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 296.50 435.01 Td (120) 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 423.50 435.01 Td (\(120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 435.01 Td (\)) 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 293.50 422.01 Td (\(318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 422.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 422.01 Td (2,184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 422.01 Td (19,185) 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 (21,051) 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 298.00 409.01 Td (\(35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 409.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 409.01 Td (2,231) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 409.01 Td (\(2,196) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 409.01 Td (\)) 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 (T) Tj ET Q q 0 0 0 rg BT 43.59 396.15 Td (otal 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 293.50 396.01 Td (\(340) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 396.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 396.01 Td (8,818) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 396.01 Td (33,754) 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 (42,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 383.01 Td (Equity in undistributed income of subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.25 383.01 Td (\(19,088) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 383.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 383.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 383.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 383.01 Td (19,088) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 383.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 369.20 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 97.90 369.20 Td (om continuing operations befor) Tj ET Q q 0 0 0 rg BT 218.49 369.20 Td (e income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 360.20 Td (taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 360.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 360.21 Td (2,139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 360.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 360.21 Td (1,970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 360.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 360.21 Td (22,063) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 360.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 360.21 Td (\(3,41) Tj ET Q q 0 0 0 rg BT 507.50 360.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 360.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 360.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 360.21 Td (22,761) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 347.01 Td (Provision for income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 347.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 347.01 Td (8,937) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 347.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 347.01 Td (873) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 347.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 347.01 Td (19,578) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 347.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 347.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 347.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 347.01 Td (29,388) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 334.15 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 97.90 334.15 Td (om 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 286.75 334.01 Td (\(6,798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 334.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 334.01 Td (1,097) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 334.01 Td (2,485) 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 (\(3,41) Tj ET Q q 0 0 0 rg BT 507.50 334.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 334.01 Td (\)) 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 548.75 334.01 Td (\(6,627) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 334.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 321.15 Td (Loss fr) Tj ET Q q 0 0 0 rg BT 64.67 321.15 Td (om 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 423.50 321.01 Td (\(1) Tj ET Q q 0 0 0 rg BT 431.00 321.01 Td (1) Tj ET Q q 0 0 0 rg BT 435.50 321.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 321.01 Td (\)) 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 555.50 321.01 Td (\(1) Tj ET Q q 0 0 0 rg BT 563.00 321.01 Td (1) Tj ET Q q 0 0 0 rg BT 567.50 321.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 321.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 307.20 Td (Net income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 126.14 307.20 Td (e attribution of noncontr) Tj ET Q q 0 0 0 rg BT 221.23 307.20 Td (olling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 298.20 Td (inter) Tj ET Q q 0 0 0 rg BT 56.41 298.20 Td (ests) 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 286.75 298.21 Td (\(6,798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 298.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 298.21 Td (1,097) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 298.21 Td (2,374) 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 (\(3,41) Tj ET Q q 0 0 0 rg BT 507.50 298.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 298.21 Td (\)) 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 548.75 298.21 Td (\(6,738) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 298.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 285.15 Td (Noncontr) Tj ET Q q 0 0 0 rg BT 74.42 285.15 Td (olling inter) Tj ET Q q 0 0 0 rg BT 116.50 285.15 Td (ests) 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 359.50 285.01 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 285.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 285.01 Td (61) 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 563.00 285.01 Td (60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 271.20 Td (Net income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.75 271.21 Td (\(6,798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 271.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 271.21 Td (1,098) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 271.21 Td (2,313) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 271.21 Td (\(3,41) Tj ET Q q 0 0 0 rg BT 507.50 271.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 271.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 271.21 Td (\(6,798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 271.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 258.15 Td (Compr) Tj ET Q q 0 0 0 rg BT 65.42 258.15 Td (ehensive income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 245.01 Td (Add: Other comprehensive income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 245.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.75 245.01 Td (\(2,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 245.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 245.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.50 245.01 Td (\(1) Tj ET Q q 0 0 0 rg BT 358.00 245.01 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 245.01 Td (\)) 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 416.75 245.01 Td (\(4,160) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 245.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 245.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 245.01 Td (4,277) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 245.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 245.01 Td (\(2,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 245.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 232.15 Td (T) Tj ET Q q 0 0 0 rg BT 43.59 232.15 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 82.83 232.15 Td (oup compr) Tj ET Q q 0 0 0 rg BT 124.42 232.15 Td (ehensive income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.75 232.01 Td (\(9,589) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 232.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 232.01 Td (981) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 232.01 Td (\(1,847) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 232.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 232.01 Td (866) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 232.01 Td (\(9,589) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 232.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 219.01 Td (Add: Other comprehensive income \(loss\) attributable to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 210.01 Td (noncontrolling interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.00 209.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 209.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.50 209.21 Td (1) Tj ET Q q 0 0 0 rg BT 431.00 209.21 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 209.21 Td () Tj ET 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516.50 253.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 253.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 227.75 228.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 227.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 227.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 227.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 227.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 227.75 69.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 227.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 227.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 227.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 227.75 56.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 191.75 228.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 191.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 191.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 191.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 191.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 191.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 191.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 191.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 191.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 191.75 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 36.5 378.75 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 264.5 378.75 m 317.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 378.75 m 321.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 378.75 m 374.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 378.75 m 378.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 378.75 m 447.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 378.75 m 451.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 378.75 m 516.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 378.75 m 520.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 378.75 m 576.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 378.75 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 36.5 355.75 m 264.5 355.75 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 317.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 355.75 m 317.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 355.75 m 321.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 378.75 m 374.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 355.75 m 374.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 355.75 m 378.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 378.75 m 447.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 355.75 m 447.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 355.75 m 451.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 378.75 m 516.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 355.75 m 516.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 355.75 m 520.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 378.75 m 576.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 355.75 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 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 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 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 36.5 266.75 m 264.5 266.75 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 264.5 266.75 m 317.5 266.75 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 317.5 266.75 m 321.5 266.75 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 321.5 266.75 m 374.5 266.75 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 374.5 266.75 m 378.5 266.75 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 378.5 266.75 m 447.5 266.75 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 447.5 266.75 m 451.5 266.75 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 451.5 266.75 m 516.5 266.75 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 516.5 266.75 m 520.5 266.75 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 520.5 266.75 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 264.5 266.75 m 317.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 266.75 m 374.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 266.75 m 447.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 266.75 m 516.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 266.75 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 264.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 240.75 m 317.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 240.75 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 374.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 240.75 m 378.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 240.75 m 447.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 240.75 m 451.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 240.75 m 516.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 240.75 m 520.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 240.75 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 264.5 240.75 m 317.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 240.75 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 374.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 240.75 m 378.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 240.75 m 447.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 240.75 m 451.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 240.75 m 516.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 240.75 m 520.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 240.75 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 36.5 227.75 m 264.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 227.75 m 317.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 227.75 m 321.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 227.75 m 374.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 227.75 m 378.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 227.75 m 447.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 227.75 m 451.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 227.75 m 516.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 227.75 m 520.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 227.75 m 576.5 227.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 191.75 m 264.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 191.75 m 317.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 191.75 m 321.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 191.75 m 374.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 191.75 m 378.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 191.75 m 447.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 191.75 m 451.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 191.75 m 516.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 191.75 m 520.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 191.75 m 576.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 178.75 m 264.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 178.75 m 317.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 178.75 m 321.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 178.75 m 374.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 178.75 m 378.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 178.75 m 447.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 178.75 m 451.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 178.75 m 516.5 178.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 178.75 m 520.5 178.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 191.75 m 576.5 191.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 178.75 m 576.5 178.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.35 714.61 Td (Y) Tj ET Q q 0 0 0 rg BT 368.95 714.61 Td (ear ended December 31, 2016) 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 /F1 9.00 Tf ET q 0 0 0 rg BT 273.20 700.21 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.25 691.21 Td (parent) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.00 682.21 Td (company) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.45 682.21 Td (CGMHI) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.85 700.21 Td (Other Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.60 691.21 Td (subsidiaries and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.25 682.21 Td (eliminations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.20 691.21 Td (Consolidating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 682.21 Td (adjustments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.70 691.21 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 682.21 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 656.01 Td (15,570) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 656.01 Td ($) 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 (\(15,570) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 656.01 Td (\)) 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 309.50 643.01 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 643.01 Td (4,590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 643.01 Td (53,391) 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 (57,988) 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 (3,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.50 630.01 Td (545) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 630.01 Td (\(3,553) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 630.01 Td (\)) 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 (4,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 617.01 Td (1,418) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 617.01 Td (6,675) 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 (12,512) 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 300.50 604.01 Td (209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 604.01 Td (1,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 604.01 Td (\(1,868) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 604.01 Td (\)) 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 inter) Tj ET Q q 0 0 0 rg BT 73.15 591.15 Td (est r) Tj ET Q q 0 0 0 rg BT 89.73 591.15 Td (evenue) 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 (\(1,613) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 591.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 591.01 Td (2,058) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 591.01 Td (45,031) 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 (45,476) 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 (4,536) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 578.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 578.01 Td (7,142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 578.01 Td ($) 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 (1) Tj ET Q q 0 0 0 rg BT 552.75 578.01 Td (1,678) 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 302.00 565.01 Td (\(20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 565.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.50 565.01 Td (246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 565.01 Td (\(226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 565.01 Td (\)) 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 290.75 552.01 Td (\(1,025) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 552.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 552.01 Td (5,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 552.01 Td (3,164) 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 (7,857) 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 305.00 539.01 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.75 539.01 Td (\(2,842) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 539.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 539.01 Td (2,818) 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 (2,599) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.50 526.01 Td (191) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 526.01 Td (2,996) 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 (5,786) 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 (\(2,095) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 513.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.50 513.01 Td (306) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 513.01 Td (1,789) 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 (T) Tj ET Q q 0 0 0 rg BT 44.59 500.15 Td (otal non-inter) Tj ET Q q 0 0 0 rg BT 96.84 500.15 Td (est r) Tj ET Q q 0 0 0 rg BT 113.42 500.15 Td (evenues) 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 297.50 500.01 Td (\(517) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 500.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 500.01 Td (8,155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 500.01 Td (17,683) 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 (25,321) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 487.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 487.15 Td (otal r) Tj ET Q q 0 0 0 rg BT 64.84 487.15 Td (evenues, net of inter) Tj ET Q q 0 0 0 rg BT 141.66 487.15 Td (est expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 487.01 Td (13,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.25 487.01 Td (10,213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 487.01 Td (62,714) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 487.01 Td (\(15,570) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 487.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 487.01 Td (70,797) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 474.15 Td (Pr) Tj ET Q q 0 0 0 rg BT 48.41 474.15 Td (ovisions for) Tj ET Q q 0 0 0 rg BT 92.50 474.15 Td ( cr) Tj ET Q q 0 0 0 rg BT 102.58 474.15 Td (edit losses and for) Tj ET Q q 0 0 0 rg BT 171.17 474.15 Td ( benefits and claims) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 474.01 Td ($) 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 474.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 474.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 474.01 Td (6,982) 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 (6,982) 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 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 448.01 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 448.01 Td (4,719) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 448.01 Td (16,229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 448.01 Td ($) 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 (20,970) 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 (36) 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 (\(36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 435.01 Td (\)) 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 (482) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 422.01 Td (1,983) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 422.01 Td (18,903) 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 (21,368) 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 (217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 409.01 Td (1,335) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 409.01 Td (\(1,552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 409.01 Td (\)) 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 (T) Tj ET Q q 0 0 0 rg BT 44.59 396.15 Td (otal operating expenses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.50 396.01 Td (757) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 396.01 Td (8,037) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 396.01 Td (33,544) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 396.01 Td ($) 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 396.01 Td (42,338) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 383.01 Td (Equity in undistributed income of subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.50 383.01 Td (871) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 383.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 383.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 383.01 Td (\(871) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 383.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 383.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 369.20 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 98.90 369.20 Td (om continuing operations befor) Tj ET Q q 0 0 0 rg BT 219.49 369.20 Td (e income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 360.20 Td (taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 360.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 360.21 Td (13,554) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 360.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 360.21 Td (2,176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 360.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 360.21 Td (22,188) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 360.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 360.21 Td (\(16,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 360.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 360.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 360.21 Td (21,477) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 347.01 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 347.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 347.01 Td (\(1,358) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 347.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 347.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.50 347.01 Td (746) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 347.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 347.01 Td (7,056) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 347.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 347.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 347.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 347.01 Td (6,444) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 334.15 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 98.90 334.15 Td (om continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 334.01 Td (14,912) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 334.01 Td (1,430) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 334.01 Td (15,132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 334.01 Td (\(16,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 334.01 Td (\)) 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 (15,033) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 321.15 Td (Loss fr) Tj ET Q q 0 0 0 rg BT 65.67 321.15 Td (om 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 432.00 321.01 Td (\(58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 321.01 Td (\)) 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 561.00 321.01 Td (\(58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 321.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 307.20 Td (Net income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 127.14 307.20 Td (e attribution of noncontr) Tj ET Q q 0 0 0 rg BT 222.23 307.20 Td (olling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 298.20 Td (inter) Tj ET Q q 0 0 0 rg BT 57.41 298.20 Td (ests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 298.21 Td (14,912) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 298.21 Td (1,430) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 298.21 Td (15,074) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 298.21 Td (\(16,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 298.21 Td (\)) 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 (14,975) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 285.15 Td (Noncontr) Tj ET Q q 0 0 0 rg BT 75.42 285.15 Td (olling inter) Tj ET Q q 0 0 0 rg BT 117.50 285.15 Td (ests) 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 359.00 285.01 Td (\(13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 285.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 285.01 Td (76) 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 564.00 285.01 Td (63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 271.20 Td (Net income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 271.21 Td (14,912) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 271.21 Td (1,443) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 271.21 Td (14,998) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 271.21 Td (\(16,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 271.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 271.21 Td (14,912) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 258.15 Td (Compr) Tj ET Q q 0 0 0 rg BT 66.42 258.15 Td (ehensive income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 245.01 Td (Add: Other comprehensive income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 245.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 245.01 Td (\(3,022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 245.01 Td (\)) 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 359.00 245.01 Td (\(26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 245.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 245.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 245.01 Td (2,364) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 245.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 245.01 Td (\(2,338) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 245.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 245.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 245.01 Td (\(3,022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 245.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 232.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 232.15 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 83.83 232.15 Td (oup compr) Tj ET Q q 0 0 0 rg BT 125.42 232.15 Td (ehensive income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 232.01 Td (1) Tj ET Q q 0 0 0 rg BT 293.75 232.01 Td (1,890) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 232.01 Td (1,417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 232.01 Td (17,362) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 232.01 Td (\(18,779) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 232.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 232.01 Td (1) Tj ET Q q 0 0 0 rg BT 552.75 232.01 Td (1,890) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 219.01 Td (Add: Other comprehensive income \(loss\) attributable to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 210.01 Td (noncontrolling interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 209.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 209.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 209.21 Td (\(56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 209.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 209.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 209.21 Td (\(56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 209.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 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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 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 221.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 221.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 221.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 221.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 221.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 221.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 221.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 221.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 221.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 221.75 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 36.5 490.75 m 279.5 490.75 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 279.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 490.75 m 332.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 477.75 m 332.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 490.75 m 336.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 477.75 m 336.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 490.75 m 385.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 477.75 m 385.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 490.75 m 389.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 477.75 m 389.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 490.75 m 444.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 477.75 m 444.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 490.75 m 448.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 477.75 m 448.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 490.75 m 510.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 477.75 m 510.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 490.75 m 514.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 477.75 m 514.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 490.75 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 514.5 477.75 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 36.5 425.75 m 279.5 425.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 412.75 m 279.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 425.75 m 332.5 425.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 412.75 m 332.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 425.75 m 336.5 425.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 412.75 m 336.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 425.75 m 385.5 425.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 412.75 m 385.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 425.75 m 389.5 425.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 412.75 m 389.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 425.75 m 444.5 425.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 412.75 m 444.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 425.75 m 448.5 425.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 412.75 m 448.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 425.75 m 510.5 425.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 412.75 m 510.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 425.75 m 514.5 425.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 412.75 m 514.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 425.75 m 576.5 425.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 412.75 m 576.5 412.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 412.75 m 385.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 208.75 m 510.5 208.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 208.75 m 279.5 208.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 195.75 m 279.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 208.75 m 332.5 208.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 195.75 m 332.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 208.75 m 336.5 208.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 195.75 m 336.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 208.75 m 385.5 208.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 195.75 m 385.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 208.75 m 389.5 208.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 195.75 m 389.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 208.75 m 444.5 208.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 195.75 m 444.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 208.75 m 448.5 208.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 195.75 m 448.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 208.75 m 510.5 208.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 195.75 m 510.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 208.75 m 514.5 208.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 195.75 m 514.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 208.75 m 576.5 208.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 195.75 m 576.5 195.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.20 714.20 Td (December) Tj ET Q q 0 0 0 rg BT 430.01 714.20 Td ( 31, 2018) 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 (Citigr) Tj ET Q q 0 0 0 rg BT 314.56 682.20 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.65 673.20 Td (par) Tj ET Q q 0 0 0 rg BT 317.07 673.20 Td (ent) 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 (Citigr) Tj ET Q q 0 0 0 rg BT 426.56 691.20 Td (oup) 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 (Citigr) Tj ET Q q 0 0 0 rg BT 558.48 673.20 Td (oup) 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 ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.50 638.15 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 638.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.50 638.15 Td (689) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 638.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 638.15 Td (22,955) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 638.15 Td ($) 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 (23,645) 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 320.00 625.15 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 625.15 Td (3,545) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 625.15 Td (\(3,564) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 625.15 Td (\)) 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 (Deposits with banks) 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 361.75 612.15 Td (4,915) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 612.15 Td (159,545) 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 (164,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 599.01 Td (Deposits with banksintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 599.15 Td (3,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 599.15 Td (6,528) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 599.15 Td (\(9,528) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 599.15 Td (\)) 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 (Federal funds sold and resale agreements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 586.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 586.15 Td (212,720) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 586.15 Td (57,964) 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 (270,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 573.01 Td (Federal funds sold and resale agreementsintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 573.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 573.15 Td (20,074) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 573.15 Td (\(20,074) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 573.15 Td (\)) 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 (T) Tj ET Q q 0 0 0 rg BT 44.34 560.01 Td (rading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 560.15 Td (302) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 560.15 Td (146,233) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 560.15 Td (109,582) 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 (256,1) Tj ET Q q 0 0 0 rg BT 564.00 560.15 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 547.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 547.01 Td (rading account assetsintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 547.15 Td (627) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 547.15 Td (1,728) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 547.15 Td (\(2,355) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 547.15 Td (\)) 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 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 (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.50 534.15 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.50 534.15 Td (224) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 534.15 Td (358,376) 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 543.75 534.15 Td (358,607) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 521.01 Td (Loans, net of unearned income) 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 361.75 521.15 Td (1,292) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 521.15 Td (682,904) 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 543.75 521.15 Td (684,196) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 508.01 Td (Loans, net of unearned incomeintercompany) 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 373.00 508.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 508.15 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 564.00 508.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 495.01 Td (Allowance for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 495.15 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 413.25 495.15 Td (\(12,315) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 495.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 495.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.25 495.15 Td (\(12,315) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 495.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 482.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 482.01 Td (otal loans, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 482.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 482.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 482.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 482.15 Td (1,292) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 482.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 482.15 Td (670,589) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 482.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 482.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 482.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 482.15 Td (671,881) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 469.01 Td (Advances to subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 469.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 469.15 Td (143,1) Tj ET Q q 0 0 0 rg BT 320.00 469.15 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 469.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 469.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 469.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.75 469.15 Td (\(143,1) Tj ET Q q 0 0 0 rg BT 432.00 469.15 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 469.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 469.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 469.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 469.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 469.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 456.01 Td (Investments in subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 456.15 Td (205,337) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 456.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 456.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.75 456.15 Td (\(205,337) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 456.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 456.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 443.01 Td (Other assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 82.74 447.09 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 443.15 Td (9,861) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 443.15 Td (59,734) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 443.15 Td (102,394) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 443.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 443.15 Td (171,989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 430.01 Td (Other assetsintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 430.15 Td (3,037) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 430.15 Td (44,255) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 430.15 Td (\(47,292) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 430.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 430.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 430.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 417.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 417.15 Td (otal assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 417.15 Td (365,310) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 417.15 Td (501,937) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 417.15 Td (1,255,473) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.75 417.15 Td (\(205,337) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 417.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.00 417.15 Td (1,917,383) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 404.15 Td (Liabilities and equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 391.01 Td (Deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 391.15 Td ($) 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 339.00 391.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 391.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 391.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 391.15 Td (1,013,170) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 391.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 391.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 391.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.00 391.15 Td (1,013,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 378.01 Td (Depositsintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 378.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 378.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 378.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 378.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 378.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 365.01 Td (Federal funds purchased and securities loaned and sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 365.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 365.15 Td (155,830) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 365.15 Td (21,938) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 365.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 365.15 Td (177,768) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 352.01 Td (Federal funds purchased and securities loaned and sold) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 343.01 Td (intercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 343.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 343.20 Td (21,109) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 343.20 Td (\(21,109) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 343.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 343.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 343.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 330.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 330.01 Td (rading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.50 330.15 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 330.15 Td (95,571) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 330.15 Td (48,733) 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 543.75 330.15 Td (144,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 317.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 317.01 Td (rading account liabilitiesintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 317.15 Td (410) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 317.15 Td (1,398) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 317.15 Td (\(1,808) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 317.15 Td (\)) 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 (Short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 304.15 Td (207) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 304.15 Td (3,656) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 304.15 Td (28,483) 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 548.25 304.15 Td (32,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 291.01 Td (Short-term borrowingsintercompany) 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 (1) Tj ET Q q 0 0 0 rg BT 361.75 291.15 Td (1,343) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 291.15 Td (\(1) Tj ET Q q 0 0 0 rg BT 420.75 291.15 Td (1,343) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 291.15 Td (\)) 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 (Long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 278.15 Td (143,768) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 278.15 Td (25,986) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 278.15 Td (62,245) 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 543.75 278.15 Td (231,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 265.01 Td (Long-term debtintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 265.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 265.15 Td (73,884) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 265.15 Td (\(73,884) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 265.15 Td (\)) 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 564.00 265.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 252.01 Td (Advances from subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 252.15 Td (21,471) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 252.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 252.15 Td (\(21,471) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 252.15 Td (\)) 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 (Other liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 239.15 Td (3,010) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 239.15 Td (66,732) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 239.15 Td (50,979) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 239.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 239.15 Td (120,721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 226.01 Td (Other liabilitiesintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 226.15 Td (223) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 226.15 Td (13,763) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 226.15 Td (\(13,986) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 226.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 226.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 226.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 213.01 Td (Stockholders) Tj ET Q q 0 0 0 rg BT 88.32 213.01 Td ( equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 213.15 Td (196,220) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 213.15 Td (32,665) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 213.15 Td (173,526) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.75 213.15 Td (\(205,337) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 213.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 213.15 Td (197,074) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 200.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 200.15 Td (otal liabilities and equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 200.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 200.15 Td (365,310) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 200.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 200.15 Td (501,937) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 200.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 200.15 Td (1,255,473) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 200.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.75 200.15 Td (\(205,337) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 200.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 200.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.00 200.15 Td (1,917,383) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 177.05 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 177.05 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 93.78 177.05 Td ( for Citigroup parent company at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 200.86 177.05 Td (December31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.73 177.05 Td ( included $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.27 177.05 Td (34.7 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 336.16 177.05 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 512.34 177.05 Td (22.4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.23 177.05 Td ( had a ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 167.45 Td (remaining term of less than 30 days. ) 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 31.60 Td (288) 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 36.50 637.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 637.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 637.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 637.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 637.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 637.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 637.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 637.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 637.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 637.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 611.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 611.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 611.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 611.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 611.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 611.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 611.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 611.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 611.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 611.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 585.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 585.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 585.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 585.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 585.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 585.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 585.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 585.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 585.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 585.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 559.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 559.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 559.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 559.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 559.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 559.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 559.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 559.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 559.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 559.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 533.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 533.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 533.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 533.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 533.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 533.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 533.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 533.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 533.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 533.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 507.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 507.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 507.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 507.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 507.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 507.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 507.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 507.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 507.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 507.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 481.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 481.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 481.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 481.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 481.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 481.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 481.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 481.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 481.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 481.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 455.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 455.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 455.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 455.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 455.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 455.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 455.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 455.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 455.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 455.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 429.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 429.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 429.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 429.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 429.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 429.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 429.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 429.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 429.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 429.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 403.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 403.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 403.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 403.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 403.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 403.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 403.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 403.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 403.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 403.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 377.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 377.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 377.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 377.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 377.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 377.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 377.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 377.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 377.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 377.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 351.75 247.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 351.75 53.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 351.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 351.75 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 351.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 351.75 56.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 351.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 351.75 64.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 351.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 351.75 55.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 316.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 316.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 316.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 316.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 316.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 316.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 316.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 316.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 316.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 316.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 290.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 290.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 290.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 290.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 290.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 290.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 290.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 290.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 290.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 290.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 264.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 264.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 264.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 264.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 264.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 264.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 264.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 264.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 264.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 264.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 238.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 238.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 238.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 238.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 238.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 238.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 238.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 238.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 238.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 238.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 212.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 212.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 212.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 212.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 212.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 212.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 212.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 212.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 212.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 212.75 55.00 -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 36.5 650.75 m 283.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 709.75 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 283.5 650.75 m 336.5 650.75 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 340.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 650.75 m 340.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 709.75 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 340.5 650.75 m 389.5 650.75 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 393.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 650.75 m 393.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 709.75 m 449.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 650.75 m 449.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 709.75 m 453.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 650.75 m 453.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 709.75 m 517.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 650.75 m 517.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 709.75 m 521.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 650.75 m 521.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 709.75 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 521.5 650.75 m 576.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 650.75 m 283.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 481.75 m 283.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 468.75 m 283.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 481.75 m 336.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 468.75 m 336.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 481.75 m 340.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 468.75 m 340.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 481.75 m 389.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 468.75 m 389.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 481.75 m 393.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 468.75 m 393.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 481.75 m 449.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 468.75 m 449.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 481.75 m 453.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 468.75 m 453.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 481.75 m 517.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 468.75 m 517.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 481.75 m 521.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 468.75 m 521.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 481.75 m 576.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 468.75 m 576.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 416.75 m 283.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 403.75 m 283.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 416.75 m 336.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 403.75 m 336.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 416.75 m 340.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 403.75 m 340.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 416.75 m 389.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 403.75 m 389.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 416.75 m 393.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 403.75 m 393.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 416.75 m 449.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 403.75 m 449.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 416.75 m 453.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 403.75 m 453.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 416.75 m 517.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 403.75 m 517.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 416.75 m 521.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 403.75 m 521.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 416.75 m 576.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 403.75 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 36.5 199.75 m 283.5 199.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 186.75 m 283.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 199.75 m 336.5 199.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 186.75 m 336.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 199.75 m 340.5 199.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 186.75 m 340.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 199.75 m 389.5 199.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 186.75 m 389.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 199.75 m 393.5 199.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 186.75 m 393.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 199.75 m 449.5 199.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 186.75 m 449.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 199.75 m 453.5 199.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 186.75 m 453.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 199.75 m 517.5 199.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 186.75 m 517.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 199.75 m 521.5 199.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 186.75 m 521.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 199.75 m 576.5 199.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 186.75 m 576.5 186.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.10 714.21 Td (December 31, 2017) 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 /F1 9.00 Tf ET q 0 0 0 rg BT 292.20 673.21 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 664.21 Td (parent) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 655.21 Td (company) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.45 655.21 Td (CGMHI) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.75 691.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.70 682.21 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 673.21 Td (subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 664.21 Td (and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.75 655.21 Td (eliminations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.70 664.21 Td (Consolidating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.50 655.21 Td (adjustments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.20 664.21 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.75 655.21 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 629.01 Td (378) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 629.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 629.01 Td (23,397) 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 (23,775) 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 324.00 616.01 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 616.01 Td (3,750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 616.01 Td (\(3,763) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 616.01 Td (\)) 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 (Deposits with banks) 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 365.75 603.01 Td (3,348) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 603.01 Td (153,393) 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 (156,741) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 590.01 Td (Deposits with banksintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 590.01 Td (1) Tj ET Q q 0 0 0 rg BT 312.75 590.01 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 590.01 Td (5,219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 590.01 Td (\(16,219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 590.01 Td (\)) 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 (Federal funds sold and resale agreements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 577.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 577.01 Td (182,685) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 577.01 Td (49,793) 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 (232,478) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 564.01 Td (Federal funds sold and resale agreementsintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 564.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 564.01 Td (16,091) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 564.01 Td (\(16,091) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 564.01 Td (\)) 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 (T) Tj ET Q q 0 0 0 rg BT 44.34 551.01 Td (rading account assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 551.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 551.01 Td (139,462) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 551.01 Td (1) Tj ET Q q 0 0 0 rg BT 421.25 551.01 Td (13,328) 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 (252,790) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 538.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 538.01 Td (rading account assetsintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 538.01 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 538.01 Td (2,71) Tj ET Q q 0 0 0 rg BT 381.50 538.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 538.01 Td (\(2,749) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 538.01 Td (\)) 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 564.00 538.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 525.01 Td (Investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 525.01 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 525.01 Td (181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 525.01 Td (352,082) 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 543.75 525.01 Td (352,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 512.01 Td (Loans, net of unearned income) 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 372.50 512.01 Td (900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 512.01 Td (666,134) 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 543.75 512.01 Td (667,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 499.01 Td (Loans, net of unearned incomeintercompany) 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 377.00 499.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 499.01 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 564.00 499.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 486.01 Td (Allowance for loan losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 486.01 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 418.25 486.01 Td (\(12,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 486.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 486.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 486.01 Td (\(12,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 486.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 473.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 473.01 Td (otal loans, net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 473.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 473.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 473.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 473.01 Td (900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 473.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 473.01 Td (653,779) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 473.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 473.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 473.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 473.01 Td (654,679) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 460.01 Td (Advances to subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 460.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 460.01 Td (139,722) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 460.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 460.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 460.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.75 460.01 Td (\(139,722) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 460.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 460.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 460.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 460.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 460.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 447.01 Td (Investments in subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 447.01 Td (210,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 447.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 447.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 447.01 Td (\(210,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 447.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 447.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 434.01 Td (Other assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 82.74 438.09 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 434.01 Td (10,844) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 434.01 Td (58,299) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 434.01 Td (100,569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 434.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 434.01 Td (169,712) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 421.01 Td (Other assetsintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 421.01 Td (3,428) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 421.01 Td (43,613) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 421.01 Td (\(47,041) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 421.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 421.01 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 /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 408.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.59 408.15 Td (otal assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 408.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 408.01 Td (375,609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 408.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 408.01 Td (456,637) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 408.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 408.01 Td (1,220,756) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 408.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 408.01 Td (\(210,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 408.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 408.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 408.01 Td (1,842,465) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 395.15 Td (Liabilities and equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 382.01 Td (Deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 382.01 Td ($) 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 343.00 382.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 382.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 382.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 382.01 Td (959,822) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 382.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 382.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 382.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 382.01 Td (959,822) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 369.01 Td (Depositsintercompany) 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 377.00 369.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 369.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 369.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 369.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 356.01 Td (Federal funds purchased and securities loaned and sold) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 356.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 356.01 Td (134,888) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 356.01 Td (21,389) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 356.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 356.01 Td (156,277) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 343.01 Td (Federal funds purchased and securities loaned and sold) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 334.01 Td (intercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 334.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 334.21 Td (18,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 334.21 Td (\(18,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 334.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 334.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 334.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 321.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 321.01 Td (rading account liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 321.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 321.01 Td (80,801) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 321.01 Td (44,369) 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 543.75 321.01 Td (125,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 308.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 308.01 Td (rading account liabilitiesintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 308.01 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 308.01 Td (2,182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 308.01 Td (\(2,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 308.01 Td (\)) 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 (Short-term borrowings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 295.01 Td (251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 295.01 Td (3,568) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 295.01 Td (40,633) 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 548.25 295.01 Td (44,452) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 282.01 Td (Short-term borrowingsintercompany) 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 (32,871) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 282.01 Td (\(32,871) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 282.01 Td (\)) 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 (Long-term debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 269.01 Td (152,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 269.01 Td (18,048) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 269.01 Td (66,498) 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 543.75 269.01 Td (236,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 256.01 Td (Long-term debtintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 256.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 256.01 Td (60,765) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 256.01 Td (\(60,765) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 256.01 Td (\)) 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 564.00 256.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 243.01 Td (Advances from subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 243.01 Td (19,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 243.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 243.01 Td (\(19,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 243.01 Td (\)) 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 (Other liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 230.01 Td (2,673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 230.01 Td (62,1) Tj ET Q q 0 0 0 rg BT 377.00 230.01 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 230.01 Td (53,577) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 230.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 230.01 Td (1) Tj ET Q q 0 0 0 rg BT 548.25 230.01 Td (18,363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 217.01 Td (Other liabilitiesintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 217.01 Td (631) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 217.01 Td (9,753) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 217.01 Td (\(10,384) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 217.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 217.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 217.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 204.01 Td (Stockholders) Tj ET Q q 0 0 0 rg BT 88.32 204.01 Td ( equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 204.01 Td (200,740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 204.01 Td (33,051) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 204.01 Td (178,418) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 204.01 Td (\(210,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 204.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 204.01 Td (201,672) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 191.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 191.15 Td (otal liabilities and equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 191.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 191.01 Td (375,609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 191.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 191.01 Td (456,637) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 191.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 191.01 Td (1,220,756) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 191.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 191.01 Td (\(210,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 191.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 191.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 191.01 Td (1,842,465) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 165.65 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 165.65 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 93.78 165.65 Td ( for Citigroup parent company at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 200.86 165.65 Td (December31, 2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.73 165.65 Td ( included ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 295.27 165.65 Td ($29.7 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 336.16 165.65 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 508.34 165.65 Td ($18.9 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.23 165.65 Td ( had a ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 156.05 Td (remaining term of less than 30 days. ) 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 31.60 Td (289) 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 /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 585.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 585.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 559.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 559.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 559.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 559.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 559.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 559.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 559.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 559.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 559.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 559.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 533.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 533.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 533.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 533.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 533.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 533.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 533.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 533.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 533.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 533.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 507.75 243.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 507.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 507.75 4.00 -14.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 444.50 480.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 480.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 480.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 480.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 454.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 454.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 454.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 454.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 454.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 454.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 454.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 454.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 454.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 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55.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 366.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 366.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 366.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 366.75 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 330.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 330.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 330.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 330.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 330.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 330.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 330.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 330.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 330.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 330.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 294.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 294.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 294.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 294.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 294.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 294.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 294.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 294.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 294.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 294.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 268.75 243.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 268.75 53.00 -23.00 re f /GS0 gs 0.8 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1 rg /GS0 gs 389.50 222.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 222.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 222.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 222.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 222.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 194.75 243.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 194.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 194.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 194.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 194.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 194.75 55.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 194.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 194.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 194.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 194.75 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 148.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 148.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 148.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 148.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 148.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 148.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 148.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 148.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 148.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 148.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 122.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 122.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 122.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 122.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 122.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 122.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 122.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 122.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 122.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 122.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 96.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 96.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 96.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 96.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 96.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 96.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 96.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 96.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 96.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 96.75 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 512.5 507.75 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 36.5 507.75 m 279.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 493.75 m 279.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 507.75 m 332.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 493.75 m 332.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 507.75 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 332.5 493.75 m 336.5 493.75 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 385.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 493.75 m 385.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 507.75 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 385.5 493.75 m 389.5 493.75 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 444.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 493.75 m 444.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 507.75 m 448.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 493.75 m 448.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 507.75 m 508.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 493.75 m 508.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 507.75 m 512.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 493.75 m 512.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 507.75 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 512.5 493.75 m 576.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 493.75 m 332.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 493.75 m 336.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 493.75 m 385.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 493.75 m 389.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 493.75 m 444.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 493.75 m 448.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 493.75 m 508.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 493.75 m 512.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 493.75 m 576.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 317.75 m 576.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 317.75 m 279.5 317.75 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 279.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 317.75 m 332.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 294.75 m 332.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 317.75 m 336.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 294.75 m 336.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 317.75 m 385.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 294.75 m 385.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 317.75 m 389.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 294.75 m 389.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 317.75 m 444.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 294.75 m 444.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 317.75 m 448.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 294.75 m 448.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 317.75 m 508.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 294.75 m 508.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 317.75 m 512.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 294.75 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 512.5 317.75 m 576.5 317.75 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 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 512.5 294.75 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 36.5 281.75 m 279.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 281.75 m 332.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 281.75 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 336.5 281.75 m 385.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 281.75 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 389.5 281.75 m 444.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 281.75 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 448.5 281.75 m 508.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 281.75 m 512.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 281.75 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 512.5 245.75 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 36.5 245.75 m 279.5 245.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 222.75 m 279.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 245.75 m 332.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 245.75 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 385.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 245.75 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 444.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 245.75 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 508.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 245.75 m 512.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 245.75 m 576.5 245.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 222.75 m 332.5 222.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 222.75 m 336.5 222.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 222.75 m 385.5 222.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 222.75 m 389.5 222.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 222.75 m 444.5 222.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 222.75 m 448.5 222.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 222.75 m 508.5 222.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 222.75 m 512.5 222.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 222.75 m 576.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 194.75 m 279.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 194.75 m 332.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 194.75 m 336.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 194.75 m 385.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 194.75 m 389.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 194.75 m 444.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 194.75 m 448.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 194.75 m 508.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 194.75 m 512.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 194.75 m 576.5 194.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 171.75 m 279.5 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 194.75 m 332.5 194.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 171.75 m 332.5 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 194.75 m 336.5 194.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 171.75 m 336.5 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 194.75 m 385.5 194.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 171.75 m 385.5 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 194.75 m 389.5 194.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 171.75 m 389.5 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 194.75 m 444.5 194.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 171.75 m 444.5 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 194.75 m 448.5 194.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 171.75 m 448.5 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 194.75 m 508.5 194.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 171.75 m 508.5 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 194.75 m 512.5 194.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 171.75 m 512.5 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 194.75 m 576.5 194.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 171.75 m 576.5 171.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 171.75 m 279.5 171.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 171.75 m 332.5 171.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 171.75 m 336.5 171.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 171.75 m 385.5 171.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 171.75 m 389.5 171.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 171.75 m 444.5 171.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 171.75 m 448.5 171.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 171.75 m 508.5 171.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 171.75 m 512.5 171.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 171.75 m 576.5 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 122.75 m 576.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 122.75 m 279.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 122.75 m 332.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 122.75 m 336.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 122.75 m 385.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 122.75 m 389.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 122.75 m 444.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 122.75 m 448.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 122.75 m 508.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 122.75 m 512.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 122.75 m 576.5 122.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 83.75 m 279.5 83.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 83.75 m 332.5 83.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 83.75 m 336.5 83.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 83.75 m 385.5 83.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 83.75 m 389.5 83.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 83.75 m 444.5 83.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 83.75 m 448.5 83.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 83.75 m 508.5 83.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 83.75 m 512.5 83.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 83.75 m 576.5 83.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.55 715.15 Td (Y) Tj ET Q q 0 0 0 rg BT 374.55 715.15 Td (ear) Tj ET Q q 0 0 0 rg BT 386.46 715.15 Td ( ended December) Tj ET Q q 0 0 0 rg BT 452.78 715.15 Td ( 31, 2018) 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 286.80 683.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 309.71 683.20 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.80 674.20 Td (par) Tj ET Q q 0 0 0 rg BT 306.22 674.20 Td (ent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.95 665.20 Td (company) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.25 665.20 Td (CGMHI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.05 701.20 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.80 692.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 420.71 692.20 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.70 683.20 Td (subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.20 674.20 Td (and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.95 665.20 Td (eliminations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.20 674.20 Td (Consolidating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.45 665.20 Td (adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.30 674.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 548.13 674.20 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.95 665.20 Td (consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 651.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 82.91 651.20 Td (ovided by operating activities of continuing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 642.20 Td (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 (21,314) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 642.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 642.20 Td (13,287) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 642.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 642.20 Td (2,351) 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 (36,952) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 629.15 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 89.92 629.15 Td (om 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 305.75 616.15 Td (\(7,955) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 616.15 Td (\)) 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 370.00 616.15 Td (\(18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 616.15 Td (\)) 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 (\(179,014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 616.15 Td (\)) 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 (\(186,987) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 616.15 Td (\)) 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 308.75 603.15 Td (7,634) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.50 603.15 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 603.15 Td (53,854) 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 548.25 603.15 Td (61,491) 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 320.00 590.15 Td () 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 411.75 590.15 Td (1) Tj ET Q q 0 0 0 rg BT 416.25 590.15 Td (18,104) 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 543.75 590.15 Td (1) Tj ET Q q 0 0 0 rg BT 548.25 590.15 Td (18,104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 577.01 Td (Change in loans) 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 373.00 577.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 577.15 Td (\(29,002) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 577.15 Td (\)) 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 545.25 577.15 Td (\(29,002) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 577.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 564.01 Td (Proceeds from sales and securitizations of loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 564.15 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 (4,549) 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 (4,549) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 551.01 Td (Proceeds from significant disposals) 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 427.50 551.15 Td (314) 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 559.50 551.15 Td (314) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 538.01 Td (Change in federal funds sold and resales) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 538.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 538.15 Td (\(34,018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 538.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 538.15 Td (\(4,188) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 538.15 Td (\)) 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 545.25 538.15 Td (\(38,206) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 538.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 525.01 Td (Changes in investments and advancesintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 525.15 Td (\(5,566) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 525.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.50 525.15 Td (\(832) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 525.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 525.15 Td (6,398) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 525.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 525.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 512.01 Td (Other investing activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 512.15 Td (556) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.00 512.15 Td (\(59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 512.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 512.15 Td (\(3,878) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 512.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 512.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 512.15 Td (\(3,381) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 512.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 498.20 Td (Net cash used in investing activities of continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 498.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 498.20 Td (\(5,331) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 498.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 498.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 498.20 Td (\(34,924) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 498.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 498.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 498.20 Td (\(32,863) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 498.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 498.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 498.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 498.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.25 498.20 Td (\(73,1) Tj ET Q q 0 0 0 rg BT 564.00 498.20 Td (18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 498.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 485.15 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 89.92 485.15 Td (om financing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 472.01 Td (Dividends paid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 472.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 472.15 Td (\(5,020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 472.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 472.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 472.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 472.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 472.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 472.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 472.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 472.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 472.15 Td (\(5,020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 472.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 459.01 Td (Redemption of preferred stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 459.15 Td (\(793) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 459.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 459.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 459.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 459.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.50 459.15 Td (\(793) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 459.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 446.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 446.01 Td (reasury stock acquired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.25 446.15 Td (\(14,433) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 446.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 446.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 446.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 446.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.25 446.15 Td (\(14,433) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 446.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 433.01 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 305.75 433.15 Td (\(5,099) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 433.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 433.15 Td (10,278) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 433.15 Td (\(2,656) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 433.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 433.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 433.15 Td (2,523) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 419.21 Td (Proceeds \(repayments\) from issuance of long-term debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 410.21 Td (intercompany) Tj ET Q q 0 0 0 rg BT 88.19 410.21 Td (, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 410.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 410.20 Td (10,708) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 410.20 Td (\(10,708) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 410.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 410.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 410.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 397.01 Td (Change in deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 397.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 397.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 397.15 Td (53,348) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 397.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 397.15 Td (53,348) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 384.01 Td (Change in federal funds purchased and repos) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 384.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 384.15 Td (23,454) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 384.15 Td (\(1,963) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 384.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 384.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 384.15 Td (21,491) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 371.01 Td (Change in short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 371.15 Td (32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 371.15 Td (88) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 371.15 Td (\(12,226) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 371.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 371.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.25 371.15 Td (\(12,106) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 371.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 357.21 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 39.00 348.21 Td (intercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 348.20 Td (1,819) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 348.20 Td (\(19,1) Tj ET Q q 0 0 0 rg BT 373.00 348.20 Td (1) Tj ET Q q 0 0 0 rg BT 377.50 348.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 348.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 348.20 Td (17,292) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 348.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 348.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 335.01 Td (Capital contributions from parent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 335.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.50 335.15 Td (\(798) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 335.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 335.15 Td (798) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 335.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 335.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 322.01 Td (Other financing activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 322.15 Td (\(482) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 322.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 322.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 322.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 322.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.50 322.15 Td (\(482) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 322.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 308.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 82.91 308.20 Td (ovided by \(used in\) financing activities of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 299.20 Td (continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 299.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.25 299.20 Td (\(23,976) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 299.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 299.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 299.20 Td (24,619) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 299.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 299.20 Td (43,885) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 299.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 299.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 299.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 299.20 Td (44,528) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 286.01 Td (Ef) Tj ET Q q 0 0 0 rg BT 47.41 286.01 Td (fect of exchange rate changes on cash and due from banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 286.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 286.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 286.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 286.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 286.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.50 286.15 Td (\(773) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 286.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 286.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 286.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 286.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.50 286.15 Td (\(773) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 286.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 273.15 Td (Change in cash and due fr) Tj ET Q q 0 0 0 rg BT 139.69 273.15 Td (om banks and deposits with banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 273.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 273.15 Td (\(7,993) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 273.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 273.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 273.15 Td (2,982) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 273.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 273.15 Td (12,600) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 273.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 273.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 273.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 273.15 Td (7,589) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 259.20 Td (Cash and due fr) Tj ET Q q 0 0 0 rg BT 100.60 259.20 Td (om banks and deposits with banks at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 250.20 Td (beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 250.20 Td (1) Tj ET Q q 0 0 0 rg BT 308.75 250.20 Td (1,013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 250.20 Td (12,695) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 250.20 Td (156,808) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 250.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 250.20 Td (180,516) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 236.20 Td (Cash and due fr) Tj ET Q q 0 0 0 rg BT 100.68 236.20 Td (om banks and deposits with banks at end of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 227.20 Td (period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 227.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 227.20 Td (3,020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 227.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 227.20 Td (15,677) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 227.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 227.20 Td (169,408) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 227.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 227.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 227.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 227.20 Td (188,105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 213.21 Td (Cash and due from banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 213.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 213.20 Td (20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 213.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 213.20 Td (4,234) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 213.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 213.20 Td (19,391) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 213.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 213.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 213.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 213.20 Td (23,645) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 199.21 Td (Deposits with banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 199.20 Td (3,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 199.20 Td (1) Tj ET Q q 0 0 0 rg BT 361.75 199.20 Td (1,443) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 199.20 Td (150,017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 199.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 199.20 Td (164,460) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 185.20 Td (Cash and due fr) Tj ET Q q 0 0 0 rg BT 100.68 185.20 Td (om banks and deposits with banks at end of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 176.20 Td (period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 176.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 176.20 Td (3,020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 176.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 176.20 Td (15,677) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 176.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 176.20 Td (169,408) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 176.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 176.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 176.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 176.20 Td (188,105) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 162.20 Td (Supplemental disclosur) Tj ET Q q 0 0 0 rg BT 128.60 162.20 Td (e of cash flow information for) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 153.20 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 140.01 Td (Cash paid during the year for income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 140.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 140.15 Td (\(783) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 140.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 140.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.50 140.15 Td (458) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 140.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 140.15 Td (4,638) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 140.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 140.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 140.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 140.15 Td (4,313) Tj ET Q BT 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514.50 192.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 192.75 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 146.75 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 146.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 146.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 146.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 146.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 146.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 146.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 146.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 146.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 146.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 119.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 119.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 119.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 119.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 119.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 119.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 119.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 119.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 119.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 119.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 93.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 93.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 93.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 93.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 93.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 93.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 93.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 93.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 93.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 93.75 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 518.5 515.75 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 36.5 515.75 m 283.5 515.75 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 283.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 515.75 m 336.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 492.75 m 336.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 515.75 m 340.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 492.75 m 340.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 515.75 m 389.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 492.75 m 389.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 515.75 m 393.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 492.75 m 393.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 515.75 m 448.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 492.75 m 448.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 515.75 m 452.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 492.75 m 452.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 515.75 m 514.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 492.75 m 514.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 515.75 m 518.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 492.75 m 518.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 515.75 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 518.5 492.75 m 576.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 316.75 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 283.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 293.75 m 283.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 316.75 m 336.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 293.75 m 336.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 316.75 m 340.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 293.75 m 340.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 316.75 m 389.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 293.75 m 389.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 316.75 m 393.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 293.75 m 393.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 316.75 m 448.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 293.75 m 448.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 316.75 m 452.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 293.75 m 452.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 316.75 m 514.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 293.75 m 514.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 316.75 m 518.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 293.75 m 518.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 316.75 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 518.5 293.75 m 576.5 293.75 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 283.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 280.75 m 336.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 280.75 m 340.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 280.75 m 389.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 280.75 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 448.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 280.75 m 452.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 280.75 m 514.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 280.75 m 518.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 280.75 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 518.5 243.75 m 576.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 243.75 m 283.5 243.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 220.75 m 283.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 243.75 m 336.5 243.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 220.75 m 336.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 243.75 m 340.5 243.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 220.75 m 340.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 243.75 m 389.5 243.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 220.75 m 389.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 243.75 m 393.5 243.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 220.75 m 393.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 243.75 m 448.5 243.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 220.75 m 448.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 243.75 m 452.5 243.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 220.75 m 452.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 243.75 m 514.5 243.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 220.75 m 514.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 243.75 m 518.5 243.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 220.75 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 518.5 243.75 m 576.5 243.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 220.75 m 576.5 220.75 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 283.5 192.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 169.75 m 283.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 192.75 m 336.5 192.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 169.75 m 336.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 192.75 m 340.5 192.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 169.75 m 340.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 192.75 m 389.5 192.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 169.75 m 389.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 192.75 m 393.5 192.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 169.75 m 393.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 192.75 m 448.5 192.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 169.75 m 448.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 192.75 m 452.5 192.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 169.75 m 452.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 192.75 m 514.5 192.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 169.75 m 514.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 192.75 m 518.5 192.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 169.75 m 518.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 192.75 m 576.5 192.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 169.75 m 576.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 169.75 m 283.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 169.75 m 336.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 169.75 m 340.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 169.75 m 389.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 169.75 m 393.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 169.75 m 448.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 169.75 m 452.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 169.75 m 514.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 169.75 m 518.5 169.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 169.75 m 576.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 119.75 m 576.5 119.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 119.75 m 283.5 119.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 119.75 m 336.5 119.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 119.75 m 340.5 119.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 119.75 m 389.5 119.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 119.75 m 393.5 119.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 119.75 m 448.5 119.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 119.75 m 452.5 119.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 119.75 m 514.5 119.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 119.75 m 518.5 119.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 119.75 m 576.5 119.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 80.75 m 283.5 80.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 80.75 m 336.5 80.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 80.75 m 340.5 80.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 80.75 m 389.5 80.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 80.75 m 393.5 80.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 80.75 m 448.5 80.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 80.75 m 452.5 80.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 80.75 m 514.5 80.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 80.75 m 518.5 80.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 80.75 m 576.5 80.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.85 723.01 Td (Y) Tj ET Q q 0 0 0 rg BT 378.90 723.01 Td (ear ended December 31, 2017) 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 /F1 9.00 Tf ET q 0 0 0 rg BT 292.20 691.21 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 682.21 Td (parent) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 673.21 Td (company) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.45 673.21 Td (CGMHI) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 709.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.20 700.21 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.25 691.21 Td (subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 682.21 Td (and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.25 673.21 Td (eliminations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.70 682.21 Td (Consolidating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.50 673.21 Td (adjustments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.70 682.21 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.25 673.21 Td (consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 659.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 82.83 659.20 Td (ovided 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 650.21 Td (25,270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.25 650.21 Td (\(33,365) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 650.21 Td (\)) 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 428.50 650.21 Td (\(679) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 650.21 Td (\)) 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 549.75 650.21 Td (\(8,774) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 650.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 637.15 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 89.92 637.15 Td (om 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 374.00 624.01 Td (\(14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 624.01 Td (\)) 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 (\(185,726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 624.01 Td (\)) 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 (\(185,740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 624.01 Td (\)) 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 319.50 611.01 Td (132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 611.01 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.75 611.01 Td (107,218) 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 (107,368) 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 324.00 598.01 Td () 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 (84,369) 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 (84,369) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 585.01 Td (Change in loans) 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 377.00 585.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 585.01 Td (\(58,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 585.01 Td (\)) 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 545.25 585.01 Td (\(58,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 585.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 572.01 Td (Proceeds from sales and securitizations of loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 572.01 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 (8,365) 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 (8,365) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 559.01 Td (Proceeds from significant disposals) 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 (3,41) Tj ET Q q 0 0 0 rg BT 440.50 559.01 Td (1) 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 (3,41) Tj ET Q q 0 0 0 rg BT 568.50 559.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 546.01 Td (Change in federal funds sold and resales) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 546.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 546.01 Td (9,731) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 546.01 Td (\(5,396) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 546.01 Td (\)) 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 552.75 546.01 Td (4,335) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 533.01 Td (Changes in investments and advancesintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 533.01 Td (\(899) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 533.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 533.01 Td (9,755) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 533.01 Td (\(8,856) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 533.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 533.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 533.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 520.01 Td (Other investing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 520.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.00 520.01 Td (\(24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 520.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 520.01 Td (\(2,773) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 520.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 520.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 520.01 Td (\(2,797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 520.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 506.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 82.91 506.20 Td (ovided by \(used in\) investing activities of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 497.20 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 497.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 497.21 Td (\(767) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 497.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 497.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 497.21 Td (19,466) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 497.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 497.21 Td (\(57,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 497.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 497.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 497.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 497.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 497.21 Td (\(38,751) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 497.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 484.15 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 89.92 484.15 Td (om financing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 471.01 Td (Dividends paid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 471.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 471.01 Td (\(3,797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 471.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 471.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 471.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 471.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 471.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 471.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 471.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 471.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 471.01 Td (\(3,797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 471.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 458.01 Td (Issuance of preferred stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 458.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 458.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 458.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 458.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 458.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 445.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 445.01 Td (reasury stock acquired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.25 445.01 Td (\(14,541) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 445.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 445.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 445.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 445.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 445.01 Td (\(14,541) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 445.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 432.01 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 312.75 432.01 Td (6,544) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 432.01 Td (4,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 432.01 Td (15,521) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 432.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 432.01 Td (26,974) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 418.21 Td (Proceeds \(repayments\) from issuance of long-term debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 409.21 Td (intercompany) Tj ET Q q 0 0 0 rg BT 88.19 409.21 Td (, net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 409.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.75 409.21 Td (\(2,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 409.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 409.21 Td (2,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 409.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 409.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 396.01 Td (Change in deposits) 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 377.00 396.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 396.01 Td (30,416) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 396.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 396.01 Td (30,416) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 383.01 Td (Change in federal funds purchased and repos) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 383.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 383.01 Td (5,748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 383.01 Td (8,708) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 383.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 383.01 Td (14,456) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 370.01 Td (Change in short-term borrowings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 370.01 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 370.01 Td (2,212) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 370.01 Td (1) Tj ET Q q 0 0 0 rg BT 424.75 370.01 Td (1,490) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 370.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 370.01 Td (13,751) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 356.21 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 39.00 347.21 Td (intercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.25 347.21 Td (\(22,152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 347.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.75 347.21 Td (\(8,615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 347.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 347.21 Td (30,767) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 347.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 347.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 334.01 Td (Capital contributions from parent) 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 369.50 334.01 Td (\(748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 334.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 334.01 Td (748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 334.01 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 (Other financing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 321.01 Td (\(405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 321.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 321.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 321.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 321.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 321.01 Td (\(405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 321.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 307.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 82.91 307.20 Td (ovided by \(used in\) financing activities of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 298.20 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.25 298.21 Td (\(34,302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 298.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 298.21 Td (1,475) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg 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9.00 Tf ET q 0 0 0 rg BT 521.00 285.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 285.01 Td (693) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 271.20 Td (Change in cash and due fr) Tj ET Q q 0 0 0 rg BT 139.69 271.20 Td (om banks and deposits with banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 271.21 Td (\(9,799) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 271.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.25 271.21 Td (\(12,424) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 271.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 271.21 Td (42,245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 271.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 271.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 271.21 Td (20,022) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 257.20 Td (Cash and due fr) Tj ET Q q 0 0 0 rg BT 100.60 257.20 Td (om banks and deposits with banks at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 248.20 Td (beginning of period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 248.21 Td (20,812) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 248.21 Td (25,1) Tj ET Q q 0 0 0 rg BT 377.00 248.21 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.75 248.21 Td (1) Tj ET Q q 0 0 0 rg BT 420.25 248.21 Td (14,563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 248.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 248.21 Td (160,494) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 234.20 Td (Cash and due fr) Tj ET Q q 0 0 0 rg BT 100.68 234.20 Td (om banks and deposits with banks at end of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 225.20 Td (period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 225.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 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420.25 211.21 Td (19,634) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 211.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 211.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 211.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 211.21 Td (23,775) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 197.21 Td (Deposits with banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 197.21 Td (1) Tj ET Q q 0 0 0 rg BT 312.75 197.21 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 197.21 Td (8,567) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.75 197.21 Td (137,174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 197.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 197.21 Td (156,741) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 183.20 Td (Cash and due fr) Tj ET Q q 0 0 0 rg BT 100.68 183.20 Td (om banks and deposits with banks at end of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 174.20 Td (period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 174.21 Td 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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 36.50 292.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 292.75 53.00 -13.00 re f /GS0 gs 0.8 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514.50 219.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 219.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 189.75 247.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 189.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 189.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 189.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 189.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 189.75 55.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 189.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 189.75 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 189.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 189.75 58.00 -23.00 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 90.75 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 90.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 90.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 90.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 90.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 90.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 90.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 90.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 90.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 90.75 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 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 518.5 492.75 m 576.5 492.75 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 283.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 478.75 m 283.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 492.75 m 336.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 478.75 m 336.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 492.75 m 340.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 478.75 m 340.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 492.75 m 389.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 478.75 m 389.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 492.75 m 393.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 478.75 m 393.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 492.75 m 448.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 478.75 m 448.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 492.75 m 452.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 478.75 m 452.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 492.75 m 514.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 478.75 m 514.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 492.75 m 518.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 478.75 m 518.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 492.75 m 576.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 478.75 m 576.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 315.75 m 576.5 315.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 315.75 m 283.5 315.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 292.75 m 283.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 315.75 m 336.5 315.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 292.75 m 336.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 315.75 m 340.5 315.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 292.75 m 340.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 315.75 m 389.5 315.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 292.75 m 389.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 315.75 m 393.5 315.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 292.75 m 393.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 315.75 m 448.5 315.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 292.75 m 448.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 315.75 m 452.5 315.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 292.75 m 452.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 315.75 m 514.5 315.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 292.75 m 514.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 315.75 m 518.5 315.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 292.75 m 518.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 315.75 m 576.5 315.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 292.75 m 576.5 292.75 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 283.5 279.75 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 336.5 279.75 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 340.5 279.75 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 389.5 279.75 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 393.5 279.75 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 448.5 279.75 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 452.5 279.75 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 514.5 279.75 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 518.5 279.75 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 36.5 279.75 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 283.5 279.75 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 336.5 279.75 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 340.5 279.75 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 389.5 279.75 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 393.5 279.75 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 448.5 279.75 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 452.5 279.75 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 514.5 279.75 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 518.5 279.75 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 518.5 242.75 m 576.5 242.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 242.75 m 283.5 242.75 l s 0 0 0 RG /GS0 gs 2.00 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 283.5 242.75 m 336.5 242.75 l s 0 0 0 RG /GS0 gs 2.00 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 336.5 242.75 m 340.5 242.75 l s 0 0 0 RG /GS0 gs 2.00 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 340.5 242.75 m 389.5 242.75 l s 0 0 0 RG /GS0 gs 2.00 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 389.5 242.75 m 393.5 242.75 l s 0 0 0 RG /GS0 gs 2.00 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 393.5 242.75 m 448.5 242.75 l s 0 0 0 RG /GS0 gs 2.00 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 448.5 242.75 m 452.5 242.75 l s 0 0 0 RG /GS0 gs 2.00 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 452.5 242.75 m 514.5 242.75 l s 0 0 0 RG /GS0 gs 2.00 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 514.5 242.75 m 518.5 242.75 l s 0 0 0 RG /GS0 gs 2.00 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 518.5 242.75 m 576.5 242.75 l s 0 0 0 RG /GS0 gs 2.00 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 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 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 189.75 m 283.5 189.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 166.75 m 283.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 189.75 m 336.5 189.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 166.75 m 336.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 189.75 m 340.5 189.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 166.75 m 340.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 189.75 m 389.5 189.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 166.75 m 389.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 189.75 m 393.5 189.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 166.75 m 393.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 189.75 m 448.5 189.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 166.75 m 448.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 189.75 m 452.5 189.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 166.75 m 452.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 189.75 m 514.5 189.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 166.75 m 514.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 189.75 m 518.5 189.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 166.75 m 518.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 189.75 m 576.5 189.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 166.75 m 576.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 117.75 m 576.5 117.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 117.75 m 283.5 117.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 117.75 m 336.5 117.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 117.75 m 340.5 117.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 117.75 m 389.5 117.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 117.75 m 393.5 117.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 117.75 m 448.5 117.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 117.75 m 452.5 117.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 117.75 m 514.5 117.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 117.75 m 518.5 117.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 117.75 m 576.5 117.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 76.75 m 283.5 76.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 76.75 m 336.5 76.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 76.75 m 340.5 76.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 76.75 m 389.5 76.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 76.75 m 393.5 76.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 76.75 m 448.5 76.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 76.75 m 452.5 76.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 76.75 m 514.5 76.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 76.75 m 518.5 76.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 76.75 m 576.5 76.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.85 723.01 Td (Y) Tj ET Q q 0 0 0 rg BT 378.90 723.01 Td (ear ended December 31, 2016) 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 /F1 9.00 Tf ET q 0 0 0 rg BT 292.20 691.21 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 682.21 Td (parent) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.00 673.21 Td (company) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.45 673.21 Td (CGMHI) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 709.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.20 700.21 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.25 691.21 Td (subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 682.21 Td (and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.25 673.21 Td (eliminations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.70 682.21 Td (Consolidating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.50 673.21 Td (adjustments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.70 682.21 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.25 673.21 Td (consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 659.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 82.83 659.20 Td (ovided by operating activities of continuing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 650.20 Td (operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 650.21 Td (1) Tj ET Q q 0 0 0 rg BT 312.75 650.21 Td (1,605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 650.21 Td (20,610) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 650.21 Td (21,518) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 650.21 Td ($) 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 ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 650.21 Td (53,733) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 636.20 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 89.92 636.20 Td (om investing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 623.01 Td (Purchases of investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 623.01 Td ($) 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 (\(14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 623.01 Td (\)) 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 (\(21) Tj ET Q q 0 0 0 rg BT 424.75 623.01 Td (1,388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 623.01 Td (\)) 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 (\(21) Tj ET Q q 0 0 0 rg BT 552.75 623.01 Td (1,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 623.01 Td (\)) 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 312.75 610.01 Td (3,024) 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 (129,159) 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 (132,183) 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 (234) 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 (65,291) 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 (65,525) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 584.01 Td (Change in loans) 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 377.00 584.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 584.01 Td (\(39,761) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 584.01 Td (\)) 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 (\(39,761) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 584.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 571.01 Td (Proceeds from sales and securitizations of 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 420.25 571.01 Td (18,140) 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 548.25 571.01 Td (18,140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 558.01 Td (Change in federal funds sold and resales) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 558.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.25 558.01 Td (\(15,294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 558.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 558.01 Td (\(1,844) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 558.01 Td (\)) 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 545.25 558.01 Td (\(17,138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 558.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 544.21 Td (Proceeds from significant disposals) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 544.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 544.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 544.21 Td (265) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 544.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 544.21 Td (265) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 531.01 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 39.00 522.01 Td (significant disposals) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 523.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 523.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 523.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 523.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 523.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 510.01 Td (Changes in investments and advancesintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.25 510.01 Td (\(18,083) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 510.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.75 510.01 Td (\(5,574) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 510.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 510.01 Td (23,657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 510.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 510.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 497.01 Td (Other investing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 497.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 497.01 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 497.01 Td (\(2,004) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 497.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 497.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 497.01 Td (\(1,947) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 497.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 483.20 Td (Net cash used in investing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 483.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.25 483.21 Td (\(14,825) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 483.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 483.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.25 483.21 Td (\(20,825) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 483.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 483.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 483.21 Td (\(18,485) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 483.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 483.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 483.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 483.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 483.21 Td (\(54,135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 483.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 470.15 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 89.92 470.15 Td (om financing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 457.01 Td (Dividends paid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 457.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 457.01 Td (\(2,287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 457.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 457.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 457.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 457.01 Td ($) 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 455.00 457.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 457.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 457.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 457.01 Td (\(2,287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 457.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 444.01 Td (Issuance of preferred stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 444.01 Td (2,498) 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 552.75 444.01 Td (2,498) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 431.01 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 431.01 Td (reasury stock acquired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 431.01 Td (\(9,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 431.01 Td (\)) 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 549.75 431.01 Td (\(9,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 431.01 Td (\)) 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 312.75 418.01 Td (7,005) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 418.01 Td (5,916) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 418.01 Td (\(4,575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 418.01 Td (\)) 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 552.75 418.01 Td (8,346) 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) Tj ET Q q 0 0 0 rg BT 88.19 395.21 Td (, 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 362.75 395.21 Td (\(9,453) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 395.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 395.21 Td (9,453) 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 (24,394) 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 (24,394) 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 (3,236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 369.01 Td (\(7,91) Tj ET Q q 0 0 0 rg BT 440.50 369.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 369.01 Td (\)) 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 (\(4,675) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 369.01 Td (\)) 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 (\(164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 356.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 356.01 Td (1,168) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 356.01 Td (8,618) 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 552.75 356.01 Td (9,622) 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 312.75 333.21 Td (4,620) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 333.21 Td (680) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 333.21 Td (\(5,300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 333.21 Td (\)) 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 (Other financing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 320.01 Td (\(316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 320.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 320.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 320.01 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 556.50 320.01 Td (\(316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 320.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 306.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 82.91 306.20 Td (ovided by financing activities of continuing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 297.20 Td (operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 297.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 297.21 Td (2,066) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 297.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 297.21 Td (6,557) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 297.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 297.21 Td (19,669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 297.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 297.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 297.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 297.21 Td (28,292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 284.01 Td (Ef) Tj ET Q q 0 0 0 rg BT 47.41 284.01 Td (fect of exchange rate changes on cash and due from banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 284.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 284.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 284.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 284.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 284.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 284.01 Td (\(493) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 284.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 284.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 284.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 284.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 284.01 Td (\(493) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 284.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 270.20 Td (Change in cash and due fr) Tj ET Q q 0 0 0 rg BT 139.69 270.20 Td (om banks and deposits with banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 270.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 270.21 Td (\(1,154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 270.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 270.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 270.21 Td (6,342) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 270.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 270.21 Td (22,209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 270.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 270.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 270.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 270.21 Td (27,397) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 256.20 Td (Cash and due fr) Tj ET Q q 0 0 0 rg BT 100.60 256.20 Td (om banks and deposits with banks at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 247.20 Td (beginning of period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 247.21 Td (21,966) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 247.21 Td (18,777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 247.21 Td (92,354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 247.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 247.21 Td (133,097) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 233.20 Td (Cash and due fr) Tj ET Q q 0 0 0 rg BT 100.68 233.20 Td (om banks and deposits with banks at end of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 224.20 Td (period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 224.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 224.21 Td (20,812) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 224.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 224.21 Td (25,1) Tj ET Q q 0 0 0 rg BT 377.00 224.21 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 224.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.75 224.21 Td (1) Tj ET Q q 0 0 0 rg BT 420.25 224.21 Td (14,563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 224.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 224.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 224.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 224.21 Td (160,494) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 209.21 Td (Cash and due from banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 209.21 Td (142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 209.21 Td (4,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 209.21 Td (18,21) Tj ET Q q 0 0 0 rg BT 440.50 209.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 209.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 209.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 209.21 Td (23,043) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 194.21 Td (Deposits with banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 194.21 Td (20,670) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 194.21 Td (20,429) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 194.21 Td (96,352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 194.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 194.21 Td (137,451) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 180.20 Td (Cash and due fr) Tj ET Q q 0 0 0 rg BT 100.68 180.20 Td (om banks and deposits with banks at end of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 171.20 Td (period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 171.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 171.21 Td (20,812) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 171.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 171.21 Td (25,1) Tj ET Q q 0 0 0 rg BT 377.00 171.21 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 171.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.75 171.21 Td (1) Tj ET Q q 0 0 0 rg BT 420.25 171.21 Td (14,563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 171.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 171.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 171.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 171.21 Td (160,494) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 157.20 Td (Supplemental disclosur) Tj ET Q q 0 0 0 rg BT 128.69 157.20 Td (e of cash flow information for) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 148.20 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 135.01 Td (Cash paid during the year for income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 135.01 Td (351) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 135.01 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 135.01 Td (3,916) 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 552.75 135.01 Td (4,359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 122.01 Td (Cash paid during the year for interest) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 122.01 Td (4,397) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 122.01 Td (3,1) Tj ET Q q 0 0 0 rg BT 377.00 122.01 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 122.01 Td (4,555) 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 (12,067) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 109.15 Td (Non-cash investing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 95.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.34 95.21 Td (ransfers to loans held-for) Tj ET Q q 0 0 0 rg BT 134.31 95.21 Td (-sale from loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 95.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 95.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg 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530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 544.75 m 323.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 530.75 m 323.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 544.75 m 364.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 530.75 m 364.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 544.75 m 406.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 544.75 m 406.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 530.75 m 406.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 544.75 m 449.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 530.75 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 449.5 544.75 m 490.5 544.75 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 490.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 544.75 m 532.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 530.75 m 532.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 544.75 m 575.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 530.75 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 35.5 530.75 m 241.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 530.75 m 281.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 530.75 m 323.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 530.75 m 364.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 530.75 m 406.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 530.75 m 406.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 516.75 m 406.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 502.75 m 406.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 488.75 m 406.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 474.75 m 406.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 460.75 m 406.5 446.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 432.75 m 241.5 432.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 432.75 m 281.5 432.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 432.75 m 323.5 432.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 432.75 m 364.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 446.75 m 406.5 432.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 432.75 m 406.5 432.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 432.75 m 449.5 432.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 432.75 m 490.5 432.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 432.75 m 532.5 432.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 432.75 m 575.5 432.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 717.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 717.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 717.21 Td (2017) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 702.00 Td (Inmillionsofdollars,exceptpershar) Tj ET Q q 0 0 0 rg BT 158.36 702.00 Td (eamounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.50 702.20 Td (Fourth) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.70 702.20 Td (Third) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.70 702.20 Td (Second) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.75 702.20 Td (First) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.55 702.20 Td (Fourth) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 437.55 706.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.20 702.20 Td (Third) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.20 702.20 Td (Second) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.25 702.20 Td (First) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 688.20 Td (Revenues, net of inter) Tj ET Q q 0 0 0 rg BT 121.40 688.20 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 688.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 688.20 Td (17,124) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.00 688.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.25 688.20 Td (18,389) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 688.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.25 688.20 Td (18,469) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.00 688.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.25 688.20 Td (18,872) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.00 688.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 688.21 Td (17,504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 688.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 688.21 Td (18,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 688.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 688.21 Td (18,155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 688.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 688.21 Td (18,366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 674.21 Td (Operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.75 674.20 Td (9,893) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.25 674.20 Td (10,31) Tj ET Q q 0 0 0 rg BT 315.50 674.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.25 674.20 Td (10,712) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.25 674.20 Td (10,925) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 674.21 Td (10,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 674.21 Td (10,417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 674.21 Td (10,760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 674.21 Td (10,723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 660.21 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 257.75 660.20 Td (1,925) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 660.20 Td (1,974) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.75 660.20 Td (1,812) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.75 660.20 Td (1,857) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 660.21 Td (2,073) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 660.21 Td (1,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 660.21 Td (1,717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 660.21 Td (1,662) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 646.20 Td (Income fr) Tj ET Q q 0 0 0 rg BT 75.65 646.20 Td (om continuing operations befor) Tj ET Q q 0 0 0 rg BT 196.24 646.20 Td (e income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 637.20 Td (taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 637.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.75 637.20 Td (5,306) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.00 637.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 637.20 Td (6,104) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 637.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.75 637.20 Td (5,945) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.00 637.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.75 637.20 Td (6,090) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.00 637.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 637.21 Td (5,099) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 637.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 637.21 Td (6,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 637.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 637.21 Td (5,678) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 637.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 637.21 Td (5,981) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 623.21 Td (Income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.75 623.20 Td (1,001) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 623.20 Td (1,471) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.75 623.20 Td (1,444) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.75 623.20 Td (1,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 623.21 Td (23,864) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 623.21 Td (1,866) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 623.21 Td (1,795) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 623.21 Td (1,863) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 609.20 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 97.90 609.20 Td (om continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 609.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.75 609.20 Td (4,305) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.00 609.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 609.20 Td (4,633) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 609.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.75 609.20 Td (4,501) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.00 609.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.75 609.20 Td (4,649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.00 609.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 609.21 Td (\(18,765) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 609.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 609.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 609.21 Td (4,137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 609.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 609.21 Td (3,883) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 609.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 609.21 Td (4,1) Tj ET Q q 0 0 0 rg BT 563.00 609.21 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 595.21 Td (Income \(loss\) from discontinued operations, net of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 586.21 Td (taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.50 586.20 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 586.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 586.20 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 586.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 586.20 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.50 586.20 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 586.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 586.21 Td (\(109) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 586.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 586.21 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 586.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 586.21 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 586.21 Td (\(18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 586.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 572.20 Td (Net income befor) Tj ET Q q 0 0 0 rg BT 103.89 572.20 Td (e attribution of noncontr) Tj ET Q q 0 0 0 rg BT 198.98 572.20 Td (olling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 563.20 Td (inter) Tj ET Q q 0 0 0 rg BT 56.41 563.20 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 563.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.75 563.20 Td (4,297) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.00 563.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 563.20 Td (4,625) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 563.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.75 563.20 Td (4,516) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.00 563.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.75 563.20 Td (4,642) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 563.21 Td (\(18,874) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 563.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 563.21 Td (4,132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 563.21 Td (3,904) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 563.21 Td (4,100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 549.21 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.00 549.20 Td (\(16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 549.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 549.20 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 549.20 Td (26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 549.20 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 549.21 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 549.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 549.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 549.21 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 549.21 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 535.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 60.91 535.20 Td (oup) Tj ET Q q 0 0 0 rg BT 78.17 535.20 Td (s net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 535.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.75 535.20 Td (4,313) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.00 535.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 535.20 Td (4,622) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 535.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.75 535.20 Td (4,490) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.00 535.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.75 535.20 Td (4,620) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.00 535.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 535.21 Td (\(18,893) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 535.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 535.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 535.21 Td (4,133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 535.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 535.21 Td (3,872) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 535.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 535.21 Td (4,090) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 521.20 Td (Earnings per) Tj ET Q q 0 0 0 rg BT 88.09 521.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 107.18 521.20 Td (e) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 111.18 525.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 521.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 521.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.00 521.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 521.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 521.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 521.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 521.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 521.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 507.20 Td (Basic) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 507.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 507.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.00 507.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 507.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 507.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 507.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 507.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 507.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 493.21 Td (Income \(loss\) from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 493.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.25 493.20 Td (1.65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.00 493.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 493.20 Td (1.74) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 493.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.25 493.20 Td (1.62) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.00 493.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.25 493.20 Td (1.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.00 493.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 493.21 Td (\(7.33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 493.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 493.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 493.21 Td (1.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 493.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 493.21 Td (1.27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 493.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 493.21 Td (1.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 479.21 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.25 479.20 Td (1.65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 479.20 Td (1.73) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.25 479.20 Td (1.63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.25 479.20 Td (1.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 479.21 Td (\(7.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 479.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 479.21 Td (1.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 479.21 Td (1.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 479.21 Td (1.35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 465.20 Td (Diluted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 465.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 465.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 465.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 465.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 451.21 Td (Income \(loss\) from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.25 451.20 Td (1.65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 451.20 Td (1.74) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.25 451.20 Td (1.62) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.25 451.20 Td (1.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 451.21 Td (\(7.33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 451.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 451.21 Td (1.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 451.21 Td (1.27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 451.21 Td (1.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 437.21 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.25 437.20 Td (1.64) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 437.20 Td (1.73) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.25 437.20 Td (1.63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.25 437.20 Td (1.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 437.21 Td (\(7.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 437.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 437.21 Td (1.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 437.21 Td (1.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 437.21 Td (1.35) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 414.05 Td (This Note to the Consolidated Financial Statements is unaudited due to the Company) Tj ET Q q 0 0 0 rg BT 310.63 414.05 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 36.00 404.45 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 404.45 Td (The fourth quarter of 2017 includes the one-time impact of ) Tj ET Q q 0 0 0 rg BT 244.46 404.45 Td (T) Tj ET Q q 0 0 0 rg BT 248.79 404.45 Td (ax Reform. See Notes 1 and 9 to the Consolidated Financial Statements.) 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 (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 395.66 394.85 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 109.60 363.65 Td ([End of Consolidated Financial Statements and Notes to Consolidated Financial Statements]) 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 (293) 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 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 653.40 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 653.40 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 653.40 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 607.40 132.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 607.40 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 607.40 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 607.40 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 36.5 699.4 m 168.5 699.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 699.4 m 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 248.5 699.4 m 288.5 699.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 699.4 m 168.5 699.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 699.4 m 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 179.00 703.85 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.00 703.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 703.86 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 689.86 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 76.00 689.86 Td (s 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 /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 69.00 684.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.25 680.85 Td (0.94) 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 (0.84) 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 (0.82) 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 (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.75 657.85 Td (9.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.25 657.86 Td (7.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 657.86 Td (6.6) 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 (\(1\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.75 634.85 Td (9.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.25 634.86 Td (7.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 634.86 Td (6.5) 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 (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.25 611.85 Td (10.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.75 611.86 Td (12.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 611.86 Td (12.6) 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 (\(1\)\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.25 597.85 Td (23.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.75 597.86 Td (18.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 597.86 Td (8.9) 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 (2017 excludes the one-time impact of ) Tj ET Q q 0 0 0 rg BT 176.48 576.30 Td (T) Tj ET Q q 0 0 0 rg BT 180.81 576.30 Td (ax Reform. See Significant ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 566.70 Td (Accounting Policies and EstimatesIncome ) Tj ET Q q 0 0 0 rg BT 199.16 566.70 Td (T) Tj ET Q q 0 0 0 rg BT 203.48 566.70 Td (axes above.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 557.10 Td (Based on Citigroup) Tj ET Q q 0 0 0 rg BT 118.44 557.10 Td (s net income less preferred stock dividends as a ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 547.50 Td (percentage of average common stockholders) Tj ET Q q 0 0 0 rg BT 198.68 547.50 Td ( equity) Tj ET Q q 0 0 0 rg BT 220.15 547.50 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 537.90 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 537.90 Td (Based on Citigroup) Tj ET Q q 0 0 0 rg BT 118.44 537.90 Td (s net income as a percentage of average total ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 528.30 Td (Citigroup stockholders) Tj ET Q q 0 0 0 rg BT 129.18 528.30 Td ( equity) Tj ET Q q 0 0 0 rg BT 150.65 528.30 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 518.70 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 518.70 Td (Based on average Citigroup stockholders) Tj ET Q q 0 0 0 rg BT 187.59 518.70 Td ( equity as a percentage of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 509.10 Td (average assets.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 499.50 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 499.50 Td (Dividends declared per common share as a percentage of net income per ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 489.90 Td (diluted share.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 456.30 Td (A) Tj ET Q q 0 0 0 rg BT 41.93 456.30 Td (VERAGE DEPOSIT) Tj ET Q q 0 0 0 rg BT 130.94 456.30 Td ( LIABILITIES IN OFFICES OUTSIDE ) Tj ET Q q 0 0 0 rg BT 304.42 456.30 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 345.82 460.83 Td (\(1\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 410.80 166.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 410.80 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 410.80 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 410.80 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 410.80 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 410.80 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 410.80 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 384.80 166.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 384.80 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 384.80 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 384.80 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 384.80 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 384.80 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 384.80 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 202.5 432.8 m 262.5 432.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 432.8 m 322.5 432.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 432.8 m 382.5 432.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 432.8 m 442.5 432.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 432.8 m 502.5 432.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 432.8 m 562.5 432.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 410.8 m 202.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 432.8 m 262.5 432.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 410.8 m 262.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 432.8 m 322.5 432.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 410.8 m 322.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 432.8 m 382.5 432.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 410.8 m 382.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 432.8 m 442.5 432.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 410.8 m 442.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 432.8 m 502.5 432.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 410.8 m 502.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 432.8 m 562.5 432.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 410.8 m 562.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 410.8 m 202.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 410.8 m 262.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 410.8 m 322.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 410.8 m 382.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 410.8 m 442.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 410.8 m 502.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 410.8 m 562.5 410.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 371.8 m 202.5 371.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 371.8 m 262.5 371.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 371.8 m 322.5 371.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 371.8 m 382.5 371.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 371.8 m 442.5 371.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 371.8 m 502.5 371.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 371.8 m 562.5 371.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 371.8 m 202.5 371.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 358.8 m 202.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 371.8 m 262.5 371.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 358.8 m 262.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 371.8 m 322.5 371.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 358.8 m 322.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 371.8 m 382.5 371.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 358.8 m 382.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 371.8 m 442.5 371.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 358.8 m 442.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 371.8 m 502.5 371.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 358.8 m 502.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 371.8 m 562.5 371.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 358.8 m 562.5 358.8 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.00 437.20 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 437.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 437.06 Td (2016) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 415.05 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 216.30 424.20 Td (A) Tj ET Q q 0 0 0 rg BT 222.47 424.20 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.70 415.20 Td (inter) Tj ET Q q 0 0 0 rg BT 227.11 415.20 Td (est rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.30 424.20 Td (A) Tj ET Q q 0 0 0 rg BT 282.13 424.20 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.20 415.20 Td (balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.05 424.06 Td (A) Tj ET Q q 0 0 0 rg BT 343.22 424.06 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.85 415.06 Td (interest rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.05 424.06 Td (A) Tj ET Q q 0 0 0 rg BT 403.22 424.06 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.25 415.06 Td (balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.05 424.06 Td (A) Tj ET Q q 0 0 0 rg BT 463.22 424.06 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.85 415.06 Td (interest rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.05 424.06 Td (A) Tj ET Q q 0 0 0 rg BT 522.88 424.06 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.25 415.06 Td (balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 402.06 Td (Banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.25 402.20 Td (1.35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 402.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.00 402.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.25 402.20 Td (44,426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 402.06 Td (0.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.50 402.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 402.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.25 402.06 Td (36,063) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 402.06 Td (0.34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 402.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 402.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 402.06 Td (36,983) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 389.06 Td (Other demand deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.25 389.20 Td (0.61) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 389.20 Td (287,665) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 389.06 Td (0.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 389.06 Td (293,389) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 389.06 Td (0.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 389.06 Td (278,745) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 376.06 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 153.98 380.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.25 376.20 Td (1.31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 376.20 Td (209,410) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 376.06 Td (1.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 376.06 Td (191,363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 376.06 Td (1.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 376.06 Td (189,049) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 363.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 363.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.25 363.20 Td (0.94) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 363.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.00 363.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 363.20 Td (541,501) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 363.06 Td (0.78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.50 363.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 363.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 363.06 Td (520,815) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 363.06 Td (0.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 363.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 363.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 363.06 Td (504,777) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 341.70 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 341.70 Td (Interest rates and amounts include the ef) Tj ET Q q 0 0 0 rg BT 183.14 341.70 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 36.00 332.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 332.10 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 36.00 296.10 Td (MA) Tj ET Q q 0 0 0 rg BT 51.92 296.10 Td (TURITY) Tj ET Q q 0 0 0 rg BT 90.44 296.10 Td ( PROFILE OF) Tj ET Q q 0 0 0 rg BT 153.41 296.10 Td ( ) Tj ET Q q 0 0 0 rg BT 155.73 296.10 Td (TIME DEPOSITS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.36 296.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.86 296.10 Td (IN U.S. OFFICES) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 249.60 166.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 249.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 249.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 249.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 249.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 221.60 166.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 221.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 221.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 221.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 221.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 193.60 166.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 193.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 193.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 193.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 193.60 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 36.5 249.60000000000002 m 202.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 249.60000000000002 m 262.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 249.60000000000002 m 322.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 249.60000000000002 m 382.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 249.60000000000002 m 442.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 249.60000000000002 m 202.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 249.60000000000002 m 262.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 249.60000000000002 m 322.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 249.60000000000002 m 382.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 249.60000000000002 m 442.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 235.60000000000002 m 202.5 235.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 235.60000000000002 m 262.5 235.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 235.60000000000002 m 322.5 235.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 235.60000000000002 m 382.5 235.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 235.60000000000002 m 442.5 235.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 207.60000000000002 m 202.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 207.60000000000002 m 262.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 207.60000000000002 m 322.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 207.60000000000002 m 382.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 207.60000000000002 m 442.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 193.60000000000002 m 202.5 193.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 193.60000000000002 m 262.5 193.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 193.60000000000002 m 322.5 193.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 193.60000000000002 m 382.5 193.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 193.60000000000002 m 442.5 193.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 165.60000000000002 m 202.5 165.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 165.60000000000002 m 262.5 165.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 165.60000000000002 m 322.5 165.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 165.60000000000002 m 382.5 165.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 165.60000000000002 m 442.5 165.60000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 253.85 Td (In millions of dollars at December 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.45 263.05 Td (Under) Tj ET Q q 0 0 0 rg BT 240.87 263.05 Td ( 3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.70 254.05 Td (months) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.70 263.05 Td (Over) Tj ET Q q 0 0 0 rg BT 290.11 263.05 Td ( 3 to 6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.70 254.05 Td (months) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.45 263.05 Td (Over) Tj ET Q q 0 0 0 rg BT 347.86 263.05 Td ( 6 to 12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.70 254.05 Td (months) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.70 263.05 Td (Over) Tj ET Q q 0 0 0 rg BT 416.03 263.05 Td ( 12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.70 254.05 Td (months) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 240.05 Td (Over) Tj ET Q q 0 0 0 rg BT 58.41 240.05 Td ( $100,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 226.06 Td (Certificates of deposit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 205.00 226.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.25 226.05 Td (18,858) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.00 226.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 226.05 Td (6,952) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.00 226.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 226.05 Td (4,761) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 226.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.75 226.05 Td (2,755) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 212.06 Td (Other time deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.75 212.05 Td (6,007) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.00 212.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.00 212.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.50 212.05 Td (717) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 198.05 Td (Over) Tj ET Q q 0 0 0 rg BT 58.33 198.05 Td ( $250,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 184.06 Td (Certificates of deposit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 205.00 184.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.25 184.05 Td (18,368) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.00 184.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 184.05 Td (5,455) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.00 184.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 184.05 Td (2,458) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 184.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.75 184.05 Td (1,613) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 170.06 Td (Other time deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.75 170.05 Td (6,022) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.00 170.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.00 170.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 170.05 Td (60) Tj ET Q BT /F1 10.00 Tf ET 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 (294) 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 (\(OCC\). ) Tj ET Q q 0 0 0 rg BT 68.04 591.90 Td (The Federal Deposit Insurance Corporation \(FDIC\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 579.90 Td (also has examination authority for banking subsidiaries whose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 567.90 Td (deposits it insures. Overseas branches of Citibank are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 555.90 Td (regulated and supervised by the Federal Reserve Board and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 543.90 Td (OCC and overseas subsidiary banks by the Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 531.90 Td (Board. ) Tj ET Q q 0 0 0 rg BT 65.26 531.90 Td (These overseas branches and subsidiary banks are also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 519.90 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 36.00 507.90 Td (countries. In addition, the Consumer Financial Protection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 495.90 Td (Bureau \(CFPB\) regulates consumer financial products and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 483.90 Td (services. Citi is also subject to laws and regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 471.90 Td (concerning the collection, use, sharing and disposition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.90 Td (certain customer) Tj ET Q q 0 0 0 rg BT 101.96 459.90 Td (, employee and other personal and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 447.90 Td (confidential information, including those imposed by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 435.90 Td (Gramm-Leach-Bliley ) Tj ET Q q 0 0 0 rg BT 124.02 435.90 Td (Act, the Fair Credit Reporting ) Tj ET Q q 0 0 0 rg BT 246.22 435.90 Td (Act and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 423.90 Td (the EU General Data Protection Regulation. For more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 411.90 Td (information on U.S. and foreign regulation af) Tj ET Q q 0 0 0 rg BT 217.44 411.90 Td (fecting or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 399.90 Td (potentially af) Tj ET Q q 0 0 0 rg BT 88.86 399.90 Td (fecting Citi, see Risk Factors above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 375.90 Td (Other) Tj ET Q q 0 0 0 rg BT 61.37 375.90 Td ( Bank and Bank Holding Company Regulation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 363.90 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 36.00 351.90 Td (limitations, including requirements for banks to maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 339.90 Td (reserves against deposits, requirements as to liquidity) Tj ET Q q 0 0 0 rg BT 248.92 339.90 Td (, risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 327.90 Td (based capital and leverage \(see Capital Resources above and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 315.90 Td (Note 18 to the Consolidated Financial Statements\), restrictions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 303.90 Td (on the types and amounts of loans that may be made and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 291.90 Td (interest that may be char) Tj ET Q q 0 0 0 rg BT 134.11 291.90 Td (ged and limitations on investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 279.90 Td (that can be made and services that can be of) Tj ET Q q 0 0 0 rg BT 211.57 279.90 Td (fered. ) Tj ET Q q 0 0 0 rg BT 236.93 279.90 Td (The Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 267.90 Td (Reserve 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 36.00 255.90 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 36.00 243.90 Td (to anti-money laundering and financial transparency laws, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 231.90 Td (including standards for verifying client identification at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 219.90 Td (account opening and obligations to monitor client transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 207.90 Td (and report suspicious activities.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 183.90 Td (Securities and Commodities Regulation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 171.90 Td (Citi conducts securities underwriting, brokerage and dealing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 159.90 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 36.00 147.90 Td (\(CGMI\), its primary broker) Tj ET Q q 0 0 0 rg BT 145.78 147.90 Td (-dealer) Tj ET Q q 0 0 0 rg BT 173.13 147.90 Td (, and other broker) Tj ET Q q 0 0 0 rg BT 244.01 147.90 Td (-dealer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 135.90 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 36.00 123.90 Td (Securities and Exchange Commission \(SEC\), the Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 111.90 Td (Industry Regulatory ) Tj ET Q q 0 0 0 rg BT 118.21 111.90 Td (Authority and certain exchanges. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 99.90 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 87.90 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 75.90 Td (af) Tj ET Q q 0 0 0 rg BT 43.59 75.90 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 63.90 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 51.90 Td (Financial Conduct ) Tj ET Q q 0 0 0 rg BT 111.55 51.90 Td (Authority \(FCA\), and Citigroup Global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (Markets Japan Inc. in ) Tj ET Q q 0 0 0 rg BT 412.40 749.10 Td (T) Tj ET Q q 0 0 0 rg BT 417.81 749.10 Td (okyo, which is regulated principally by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (the Financial Services ) Tj ET Q q 0 0 0 rg BT 414.25 737.10 Td (Agency of Japan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 725.10 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 324.00 713.10 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 324.00 701.10 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 324.00 689.10 Td (registered as futures commission merchants and commodity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (pool operators with the Commodity Futures ) Tj ET Q q 0 0 0 rg BT 501.58 677.10 Td (T) Tj ET Q q 0 0 0 rg BT 507.34 677.10 Td (rading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Commission \(CFTC\). Citibank, CGMI, Citigroup Ener) Tj ET Q q 0 0 0 rg BT 543.82 665.10 Td (gy Inc. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 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 324.00 641.10 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 324.00 629.10 Td (specify uniform minimum net capital requirements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 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 324.00 605.10 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 324.00 593.10 Td (the ability of broker) Tj ET Q q 0 0 0 rg BT 403.50 593.10 Td (-dealers to transfer lar) Tj ET Q q 0 0 0 rg BT 491.32 593.10 Td (ge amounts of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (capital to parent companies and other af) Tj ET Q q 0 0 0 rg BT 483.75 581.10 Td (filiates. See also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (Capital Resources and Note 18 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (Financial Statements for a further discussion of capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (considerations of Citi) Tj ET Q q 0 0 0 rg BT 412.88 545.10 Td (s non-banking subsidiaries.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.93 521.10 Td (ransactions with ) Tj ET Q q 0 0 0 rg BT 402.16 521.10 Td (Affiliates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.76 509.10 Td (ransactions between Citi) Tj ET Q q 0 0 0 rg BT 430.84 509.10 Td (s U.S. subsidiary depository ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (institutions and their non-bank af) Tj ET Q q 0 0 0 rg BT 456.57 497.10 Td (filiates are regulated by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 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 324.00 473.10 Td (arm) Tj ET Q q 0 0 0 rg BT 342.33 473.10 Td (s-length terms. See also Managing Global Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (Liquidity Risk above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (COMPETITION) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (The financial services industry is highly competitive. Citi) Tj ET Q q 0 0 0 rg BT 556.73 425.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (competitors include a variety of financial services and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (advisory companies. Citi competes for clients and capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (\(including deposits and funding in the short- and long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (debt markets\) with some of these competitors globally and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (with others on a regional or product basis. Citi) Tj ET Q q 0 0 0 rg BT 512.58 365.10 Td (s competitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (position depends on many factors, including, among others, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (the value of Citi) Tj ET Q q 0 0 0 rg BT 391.49 341.10 Td (s brand name, reputation, the types of clients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (and geographies served; the quality) Tj ET Q q 0 0 0 rg BT 464.97 329.10 Td (, range, performance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (innovation and pricing of products and services; the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 305.10 Td (fectiveness of and access to distribution channels, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (technology advances, customer service and convenience; the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 281.10 Td (fectiveness of transaction execution, interest rates and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (lending limits; and regulatory constraints. Citi) Tj ET Q q 0 0 0 rg BT 511.20 269.10 Td (s ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (compete ef) Tj ET Q q 0 0 0 rg BT 367.96 257.10 Td (fectively also depends upon its ability to attract ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (new employees and retain and motivate existing employees, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (while managing compensation and other costs. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (information on competitive factors and uncertainties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (impacting Citi) Tj ET Q q 0 0 0 rg BT 384.27 209.10 Td (s businesses, see Risk FactorsOperational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (Risks above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (PROPER) Tj ET Q q 0 0 0 rg BT 364.76 173.10 Td (TIES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 161.10 Td (s principal executive of) Tj ET Q q 0 0 0 rg BT 435.18 161.10 Td (fices are currently in New ) Tj ET Q q 0 0 0 rg BT 541.14 161.10 Td (Y) Tj ET Q q 0 0 0 rg BT 547.36 161.10 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (City at 388 Greenwich Street and are owned and fully ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (occupied by Citi.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 125.10 Td (Citigroup Global Markets Holdings Inc.) Tj ET Q q 0 0 0 rg BT 505.04 125.10 Td (s principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (executive of) Tj ET Q q 0 0 0 rg BT 372.96 113.10 Td (fices are in New ) Tj ET Q q 0 0 0 rg BT 440.33 113.10 Td (Y) Tj ET Q q 0 0 0 rg BT 446.55 113.10 Td (ork City at 388 Greenwich ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (Street and are owned and fully occupied by Citi.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 89.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 383.11 89.10 Td (s principal executive of) Tj ET Q q 0 0 0 rg BT 476.51 89.10 Td (fices in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 508.16 89.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.82 89.10 Td ( are at 25 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (and 33 Canada Square in London) Tj ET Q q 0 0 0 rg BT 460.36 77.10 Td (s Canary ) Tj ET Q q 0 0 0 rg BT 497.95 77.10 Td (Wharf, with both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (buildings subject to long-term leases.) 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 (295) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (In ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 64.83 749.10 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.61 749.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 105.39 749.10 Td (s principal executive of) Tj ET Q q 0 0 0 rg BT 198.79 749.10 Td (fices are in leased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (premises at Champion ) Tj ET Q q 0 0 0 rg BT 127.75 737.10 Td (T) Tj ET Q q 0 0 0 rg BT 133.16 737.10 Td (ower in Hong Kong. Citi has other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (significant leased premises, including in Singapore, Manila ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (and Japan. Citi has major or full ownership interests in country ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (headquarter locations in Shanghai, Seoul, Kuala Lumpur and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (Mumbai.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 677.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 677.10 Td (s principal executive of) Tj ET Q q 0 0 0 rg BT 165.18 677.10 Td (fices in Mexico, which also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (serve as the headquarters of Citibanamex, are owned and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (located in Mexico City) Tj ET Q q 0 0 0 rg BT 127.27 653.10 Td (. Citi) Tj ET Q q 0 0 0 rg BT 150.06 653.10 Td (s principal executive of) Tj ET Q q 0 0 0 rg BT 243.45 653.10 Td (fices for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (Latin ) Tj ET Q q 0 0 0 rg BT 59.44 641.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.31 641.10 Td ( \(other than Mexico\) are in leased premises in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (Miami.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 617.10 Td (Citi also owns or leases over 52 million square feet of real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (estate in 95 countries, consisting of over 7,500 properties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 593.10 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 36.00 581.10 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 36.00 569.10 Td (that certain of its premises are no longer necessary) Tj ET Q q 0 0 0 rg BT 237.49 569.10 Td (. ) Tj ET Q q 0 0 0 rg BT 242.31 569.10 Td (There is no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 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 36.00 545.10 Td (premises or that it will not incur char) Tj ET Q q 0 0 0 rg BT 183.84 545.10 Td (ges in connection with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (such dispositions, which could be material to Citi) Tj ET Q q 0 0 0 rg BT 236.53 533.10 Td (s operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (results in a given period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 509.10 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 36.00 497.10 Td (long-term ener) Tj ET Q q 0 0 0 rg BT 94.96 497.10 Td (gy ef) Tj ET Q q 0 0 0 rg BT 115.05 497.10 Td (ficiency objectives and reduce its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 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 36.00 473.10 Td (change. ) Tj ET Q q 0 0 0 rg BT 69.13 473.10 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 36.00 461.10 Td (eliminate, Citi) Tj ET Q q 0 0 0 rg BT 95.99 461.10 Td (s potential risk from future climate change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (regulatory requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 437.10 Td (For further information concerning leases, see Note 26 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 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, in its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (related quarterly report on Form 10-Q, previously disclosed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (reportable activities pursuant to Section 219 for the second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (and third quarters of 2018. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 557.25 Td (During the fourth quarter of 2018, Citibank Europe plc, a) 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 573.61 557.25 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 324.00 545.25 Td (subsidiary of Citibank, acting as an intermediary bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (processed a transaction between two Irish banks involving the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (Iranian Embassy in Ireland. ) Tj ET Q q 0 0 0 rg BT 436.84 521.25 Td (The total value of the payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (was EUR 90.00 \(USD 104.24\). ) Tj ET Q q 0 0 0 rg BT 451.04 509.25 Td (This transaction was for visa-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (related fees and is exempt pursuant to the travel exemption of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (the Iranian ) Tj ET Q q 0 0 0 rg BT 369.35 485.25 Td (T) Tj ET Q q 0 0 0 rg BT 375.11 485.25 Td (ransactions and Sanctions Regulations.Citibank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (Europe plc realized nominal fees for the processing of this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (payment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td () 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 (296) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (UNREGISTERED SALES OF) Tj ET Q q 0 0 0 rg BT 166.22 749.25 Td ( EQUITY) Tj ET Q q 0 0 0 rg BT 207.25 749.25 Td (, PURCHASES OF) Tj ET Q q 0 0 0 rg BT 288.84 749.25 Td ( EQUITY) Tj ET Q q 0 0 0 rg BT 330.42 749.25 Td ( SECURITIES, DIVIDENDS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 717.25 Td (Unr) Tj ET Q q 0 0 0 rg BT 53.04 717.25 Td (egister) Tj ET Q q 0 0 0 rg BT 81.18 717.25 Td (ed Sales of Equity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 705.25 Td (None.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 681.25 Td (Equity Security Repur) Tj ET Q q 0 0 0 rg BT 132.49 681.25 Td (chases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 669.25 Td (The following table summarizes Citi) Tj ET Q q 0 0 0 rg BT 185.41 669.25 Td (s common stock repurchases during the three months ended December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.33 669.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.33 669.25 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 596.75 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 596.75 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 596.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 596.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 568.75 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 568.75 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 568.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 568.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 540.75 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 540.75 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 540.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 540.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 512.75 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 512.75 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 512.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 512.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 484.75 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 484.75 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 484.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 484.75 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 36.5 596.75 m 365.5 596.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 596.75 m 421.5 596.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 596.75 m 469.5 596.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 596.75 m 562.5 596.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 470.75 m 365.5 470.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 455.75 m 365.5 455.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 470.75 m 421.5 470.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 455.75 m 421.5 455.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 470.75 m 469.5 470.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 455.75 m 469.5 455.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 470.75 m 562.5 470.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 455.75 m 562.5 455.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 601.00 Td (In millions, except per shar) Tj ET Q q 0 0 0 rg BT 126.46 601.00 Td (e amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.85 610.20 Td (T) Tj ET Q q 0 0 0 rg BT 375.03 610.20 Td (otal shar) Tj ET Q q 0 0 0 rg BT 408.61 610.20 Td (es) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.05 601.20 Td (pur) Tj ET Q q 0 0 0 rg BT 386.89 601.20 Td (chased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.30 619.20 Td (A) Tj ET Q q 0 0 0 rg BT 435.13 619.20 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.60 610.20 Td (price paid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 601.20 Td (per) Tj ET Q q 0 0 0 rg BT 439.83 601.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 458.92 601.20 Td (e) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.50 637.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 497.84 637.20 Td (oximate dollar) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.20 628.20 Td (value of shar) Tj ET Q q 0 0 0 rg BT 527.54 628.20 Td (es that) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.70 619.20 Td (may yet be pur) Tj ET Q q 0 0 0 rg BT 531.28 619.20 Td (chased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 610.20 Td (under) Tj ET Q q 0 0 0 rg BT 504.84 610.20 Td ( the plan or) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.80 601.20 Td (pr) Tj ET Q q 0 0 0 rg BT 505.64 601.20 Td (ograms) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 587.20 Td (October) Tj ET Q q 0 0 0 rg BT 70.41 587.20 Td ( 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 587.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 587.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.00 587.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 573.21 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 136.46 577.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.25 573.20 Td (32.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 573.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 573.20 Td (68.78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 573.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 573.20 Td (10,127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 559.21 Td (Employee transactions) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 126.73 563.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 559.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 559.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.95 559.20 Td (N/A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 545.20 Td (November) Tj ET Q q 0 0 0 rg BT 78.90 545.20 Td ( 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 545.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.00 545.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 531.21 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 136.46 535.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.25 531.20 Td (20.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 531.20 Td (64.81) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 531.20 Td (8,784) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 517.21 Td (Employee transactions) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 126.73 521.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 517.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 517.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.95 517.20 Td (N/A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 503.20 Td (December) Tj ET Q q 0 0 0 rg BT 77.89 503.20 Td ( 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 503.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 503.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.00 503.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 489.21 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 136.46 493.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.25 489.20 Td (21.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 489.20 Td (54.87) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 489.20 Td (7,630) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 475.21 Td (Employee transactions) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 126.73 479.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 475.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 475.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.95 475.20 Td (N/A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 460.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 460.20 Td (otal for) Tj ET Q q 0 0 0 rg BT 72.25 460.20 Td ( 4Q18 and r) Tj ET Q q 0 0 0 rg BT 117.85 460.20 Td (emaining pr) Tj ET Q q 0 0 0 rg BT 164.44 460.20 Td (ogram balance as of December) Tj ET Q q 0 0 0 rg BT 282.24 460.20 Td ( 31, 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.25 460.20 Td (73.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 460.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 460.20 Td (63.70) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 460.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 460.20 Td (7,630) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 438.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 438.65 Td (Represents repurchases under the $17.6billion 2018 common stock repurchase program \(2018 Repurchase Program\) that was approved by Citigroup) Tj ET Q q 0 0 0 rg BT 533.66 438.65 Td (s Board of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 429.05 Td (Directors and announced on June 28, 2018. ) Tj ET Q q 0 0 0 rg BT 194.49 429.05 Td (The 2018 Repurchase Program was part of the planned capital actions included by Citi in its 2018 Comprehensive ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 419.45 Td (Capital ) Tj ET Q q 0 0 0 rg BT 78.66 419.45 Td (Analysis and Review \(CCAR\). ) Tj ET Q q 0 0 0 rg BT 179.62 419.45 Td (The 2018 Repurchase Program expires on June 30, 2019. Shares repurchased under the 2018 Repurchase Program were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 409.85 Td (added to treasury stock.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 400.25 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 400.25 Td (Consisted of shares added to treasury stock related to \(i\)certain activity on employee stock option program exercises where the employee delivers existing shares ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 390.65 Td (to cover the option exercise, or \(ii\)under Citi) Tj ET Q q 0 0 0 rg BT 201.29 390.65 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 36.00 381.05 Td (N/A) Tj ET Q q 0 0 0 rg BT 49.34 381.05 Td ( Not applicable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 357.05 Td (Dividends) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 345.05 Td (In addition to Board of Directors) Tj ET Q q 0 0 0 rg BT 169.95 345.05 Td ( approval, Citi) Tj ET Q q 0 0 0 rg BT 230.21 345.05 Td (s ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 333.05 Td (pay common stock dividends substantially depends on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 321.05 Td (regulatory approval, including an annual regulatory review of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 309.05 Td (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 36.00 297.05 Td (Reserve Board and the supervisory stress tests required under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 285.05 Td (the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 101.55 285.05 Td (Act. For additional information regarding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 273.05 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 273.05 Td (s capital planning and stress testing, see Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 261.05 Td (ResourcesCurrent Regulatory Capital StandardsStress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 249.05 Td (T) Tj ET Q q 0 0 0 rg BT 41.41 249.05 Td (esting Component of Capital Planning and Risk Factors) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 237.05 Td (Strategic Risks above. ) Tj ET Q q 0 0 0 rg BT 131.54 237.05 Td (Any dividend on Citi) Tj ET Q q 0 0 0 rg BT 219.04 237.05 Td (s outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 225.05 Td (common stock would also need to be made in compliance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 213.05 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 213.05 Td (s obligations to its outstanding preferred stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 201.05 Td (For information on the ability of Citigroup) Tj ET Q q 0 0 0 rg BT 227.32 201.05 Td (s subsidiary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 189.05 Td (depository institutions to pay dividends, see Note 18 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 177.05 Td (Consolidated Financial Statements.) 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 (297) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (PERFORMANCE GRAPH) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Comparison of Five-Y) Tj ET Q q 0 0 0 rg BT 129.88 725.25 Td (ear) Tj ET Q q 0 0 0 rg BT 143.58 725.25 Td ( Cumulative ) Tj ET Q q 0 0 0 rg BT 198.40 725.25 Td (T) Tj ET Q q 0 0 0 rg BT 204.15 725.25 Td (otal Return) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 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 36.00 701.25 Td (return on Citi) Tj ET Q q 0 0 0 rg BT 92.66 701.25 Td (s common stock with the cumulative total return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (of the S&P) Tj ET Q q 0 0 0 rg BT 80.08 689.25 Td ( 500 Index and the S&P) Tj ET Q q 0 0 0 rg BT 175.53 689.25 Td ( Financial Index over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (five-year period through December 31, 2018. ) Tj ET Q q 0 0 0 rg BT 219.64 677.25 Td (The graph and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (table assume that $100 was invested on December 31, 2013 in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 653.25 Td (s common stock, the S&P) Tj ET Q q 0 0 0 rg BT 157.03 653.25 Td ( 500 Index and the S&P) Tj ET Q q 0 0 0 rg BT 252.48 653.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (Financial Index, and that all 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 36.5 618.75 m 288.5 618.75 l s BT /F6 8.00 Tf ET q 0 0 0 rg BT 39.00 610.43 Td (Comparison of Five-Y) Tj ET Q q 0 0 0 rg BT 121.23 610.43 Td (ear Cumulative T) Tj ET Q q 0 0 0 rg BT 185.11 610.43 Td (otal Return) Tj ET Q BT /F7 7.00 Tf ET q 0 0 0 rg BT 39.00 603.15 Td (For the years ended) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 245.50 0 0 258.00 36.00 337.25 cm /I51 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 36.5 297.75 m 94.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 94.5 297.75 m 157.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 157.5 297.75 m 215.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 297.75 m 275.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 297.75 m 94.5 297.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 302.21 Td (DA) Tj ET Q q 0 0 0 rg BT 51.50 302.21 Td (TE) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 116.75 302.21 Td (CITI) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 169.75 302.21 Td (S&P) Tj ET Q q 0 0 0 rg BT 186.59 302.21 Td ( 500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.65 311.01 Td (S&P) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.20 302.01 Td (FINANCIALS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 289.01 Td (31-Dec-2013) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 133.75 289.15 Td (100.0) Tj ET Q BT /F2 9.00 Tf ET q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 191.75 289.15 Td (100.0) Tj ET Q BT /F2 9.00 Tf ET q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 251.75 289.15 Td (100.0) 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 39.00 276.01 Td (31-Dec-2014) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 133.75 276.15 Td (103.9) Tj ET Q BT /F2 9.00 Tf ET q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 191.75 276.15 Td (1) Tj ET Q q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 196.25 276.15 Td (13.7) Tj ET Q BT /F2 9.00 Tf ET q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 251.75 276.15 Td (1) Tj ET Q q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 256.25 276.15 Td (15.2) 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 39.00 263.01 Td (31-Dec-2015) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 138.25 263.15 Td (99.7) Tj ET Q BT /F2 9.00 Tf ET q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 192.20 263.15 Td (1) Tj ET Q q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 196.45 263.15 Td (15.3) Tj ET Q BT /F2 9.00 Tf ET q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 252.20 263.15 Td (1) Tj ET Q q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 256.45 263.15 Td (13.4) 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 39.00 250.01 Td (31-Dec-2016) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 134.20 250.15 Td (1) Tj ET Q q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 138.45 250.15 Td (15.5) Tj ET Q BT /F2 9.00 Tf ET q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 191.75 250.15 Td (129.0) Tj ET Q BT /F2 9.00 Tf ET q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 251.75 250.15 Td (139.3) 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 39.00 237.01 Td (31-Dec-2017) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 133.75 237.15 Td (146.8) Tj ET Q BT /F2 9.00 Tf ET q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 191.75 237.15 Td (157.2) Tj ET Q BT /F2 9.00 Tf ET q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 251.75 237.15 Td (170.2) 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 39.00 224.01 Td (31-Dec-2018) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 133.75 224.15 Td (105.0) Tj ET Q BT /F2 9.00 Tf ET q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 191.75 224.15 Td (150.3) Tj ET Q BT /F2 9.00 Tf ET q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 251.75 224.15 Td (148.0) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 184.25 Td (Note: Citi) Tj ET Q q 0 0 0 rg BT 78.50 184.25 Td (s common stock is listed on the NYSE under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 172.25 Td (ticker symbol C and held by 70,194 common stockholders ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 160.25 Td (of record as of January 31, 2019.) 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 (298) 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 22, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.43 711.90 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.43 711.90 Td ( 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 35.5 475.4 m 115.5 475.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.5 475.4 m 136.5 475.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 136.5 475.4 m 287.5 475.4 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 139.00 692.80 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 (Raja J. ) Tj ET Q q 0 0 0 rg BT 64.50 679.66 Td (Akram) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 679.66 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 679.66 Td (Controller and Chief ) Tj ET Q q 0 0 0 rg BT 215.48 679.66 Td (Accounting) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 670.66 Td (Of) Tj ET Q q 0 0 0 rg BT 148.42 670.66 Td (ficer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 655.66 Td (Francisco) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 646.66 Td (Aristeguieta) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 655.66 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 655.66 Td (CEO, ) Tj ET Q q 0 0 0 rg BT 161.25 655.66 Td (Asia Pacific) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 631.66 Td (Stephen Bird) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 631.66 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 631.66 Td (CEO, Global Consumer Banking) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 618.66 Td (Michael L. Corbat) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 618.66 Td (58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 618.66 Td (Chief Executive Of) Tj ET Q q 0 0 0 rg BT 208.89 618.66 Td (ficer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 605.66 Td (James C. Cowles) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 605.66 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 605.66 Td (CEO, Europe, Middle East and ) Tj ET Q q 0 0 0 rg BT 252.98 605.66 Td (Africa) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 592.66 Td (Barbara Desoer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 592.66 Td (66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 592.66 Td (CEO, Citibank, N.A.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 579.66 Td (James ) Tj ET Q q 0 0 0 rg BT 62.00 579.66 Td (A. Forese) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 579.66 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 579.66 Td (President;) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 570.66 Td (CEO, Institutional Clients Group) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 556.66 Td (Jane Fraser) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 556.66 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 556.66 Td (CEO, Latin ) Tj ET Q q 0 0 0 rg BT 182.49 556.66 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 543.66 Td (John C. Gerspach) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 543.66 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 543.66 Td (Chief Financial Of) Tj ET Q q 0 0 0 rg BT 206.40 543.66 Td (ficer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 530.66 Td (Bradford Hu) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 530.66 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 530.66 Td (Chief Risk Of) Tj ET Q q 0 0 0 rg BT 189.42 530.66 Td (ficer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 517.66 Td (Sara ) Tj ET Q q 0 0 0 rg BT 56.16 517.66 Td (W) Tj ET Q q 0 0 0 rg BT 64.21 517.66 Td (echter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 517.66 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 517.66 Td (Head of Human Resources) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 504.66 Td (Rohan ) Tj ET Q q 0 0 0 rg BT 63.67 504.66 Td (W) Tj ET Q q 0 0 0 rg BT 71.72 504.66 Td (eerasinghe) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 504.66 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 504.66 Td (General Counsel and Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 495.66 Td (Secretary) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 479.86 Td (Mike ) Tj ET Q q 0 0 0 rg BT 59.08 479.86 Td (Whitaker) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 479.86 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 481.66 Td (Head of Operations and ) Tj ET Q q 0 0 0 rg BT 226.81 481.66 Td (T) Tj ET Q q 0 0 0 rg BT 231.68 481.66 Td (echnology) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 451.90 Td (Each executive of) Tj ET Q q 0 0 0 rg BT 107.45 451.90 Td (ficer has held executive or management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 439.90 Td (positions with Citigroup for at least five years, except that:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 415.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 415.90 Td (Ms. ) Tj ET Q q 0 0 0 rg BT 71.60 415.90 Td (W) Tj ET Q q 0 0 0 rg BT 80.24 415.90 Td (echter joined Citi in 2004 and assumed her current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 403.90 Td (position in July 2018. Previously) Tj ET Q q 0 0 0 rg BT 185.30 403.90 Td (, she had served as Citi's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 391.90 Td (Head of ) Tj ET Q q 0 0 0 rg BT 88.25 391.90 Td (T) Tj ET Q q 0 0 0 rg BT 93.66 391.90 Td (alent and Diversity as well as Chief of Staf) Tj ET Q q 0 0 0 rg BT 265.10 391.90 Td (f to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 379.90 Td (Citi CEO Michael Corbat. She served as Chief of Staf) Tj ET Q q 0 0 0 rg BT 269.89 379.90 Td (f to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 367.90 Td (both Michael O'Neill and Richard Parsons during their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 355.90 Td (terms as Chairman of Citi's Board of Directors. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 343.90 Td (addition, she held roles in Citi's ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 182.74 343.90 Td (Institutional Clients ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 331.90 Td (Gr) Tj ET Q q 0 0 0 rg BT 64.74 331.90 Td (oup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.74 331.90 Td (, including Corporate M&A) Tj ET Q q 0 0 0 rg BT 190.84 331.90 Td ( and Strategy and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 319.90 Td (Investment Banking,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 307.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 307.90 Td (Mr) Tj ET Q q 0 0 0 rg BT 65.67 307.90 Td (. ) Tj ET Q q 0 0 0 rg BT 70.12 307.90 Td (Akram joined Citi in 2006 and assumed his current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 295.90 Td (position in November 2017. Previously) Tj ET Q q 0 0 0 rg BT 210.84 295.90 Td (, he had served as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 283.90 Td (Deputy Controller since ) Tj ET Q q 0 0 0 rg BT 152.04 283.90 Td (April 2017. 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0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 74.89999999999998 m 575.5 74.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 61.89999999999998 m 575.5 61.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 61.89999999999998 m 35.5 61.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 61.89999999999998 m 82.5 61.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 61.89999999999998 m 82.5 61.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 61.89999999999998 m 82.5 61.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 61.89999999999998 m 107.5 61.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 61.89999999999998 m 107.5 61.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 61.89999999999998 m 107.5 61.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 61.89999999999998 m 575.5 61.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 61.89999999999998 m 575.5 61.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 61.39999999999998 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 61.39999999999998 m BT /F2 10.00 Tf ET q 0 0 0 rg BT 38.00 715.58 Td (Exhibit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 38.00 701.58 Td (Number) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 293.75 701.58 Td (Description of Exhibit) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 663.2333984375 m 61.1396484375 663.2333984375 l s q 0 0 1 rg BT 38.00 664.57 Td (3.01+) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 663.2333984375 m 503.8330078125 663.2333984375 l s q 0 0 1 rg BT 110.00 664.57 Td (Restated Certificate of Incorporation of Citigroup Inc., as amended, as in ef) Tj ET Q q 0 0 1 rg BT 411.94 664.57 Td (fect on the date hereof.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 624.2333984375 m 55.5 624.2333984375 l s q 0 0 1 rg BT 38.00 625.57 Td (3.02) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 634.2333984375 m 571.2255859375 634.2333984375 l s q 0 0 1 rg BT 110.00 635.57 Td (By-Laws of the Company) Tj ET Q q 0 0 1 rg BT 212.94 635.57 Td (, as amended, as in ef) Tj ET Q q 0 0 1 rg BT 298.56 635.57 Td (fect on the date hereof, incorporated by reference to the Company) Tj ET Q q 0 0 1 rg BT 564.83 635.57 Td (s ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 624.2333984375 m 407.177734375 624.2333984375 l s q 0 0 1 rg BT 110.00 625.57 Td (Current Report on Form 8-K filed January 18, 2019 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 574.2333984375 m 55.5 574.2333984375 l s q 0 0 1 rg BT 38.00 575.57 Td (4.01) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 594.2333984375 m 560.5517578125 594.2333984375 l s q 0 0 1 rg BT 110.00 595.57 Td (Form of Senior Indenture between the Company and ) Tj ET Q q 0 0 1 rg BT 323.10 595.57 Td (The Bank of New ) Tj ET Q q 0 0 1 rg BT 396.60 595.57 Td (Y) Tj ET Q q 0 0 1 rg BT 402.82 595.57 Td (ork Mellon, as trustee, incorporated by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 584.2333984375 m 568.5302734375 584.2333984375 l s q 0 0 1 rg BT 110.00 585.57 Td (reference to Exhibit 4.8 to the Company) Tj ET Q q 0 0 1 rg BT 273.56 585.57 Td (s Registration Statement on Form S-3 filed November 13, 2013 \(File No. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 574.2333984375 m 164.16015625 574.2333984375 l s q 0 0 1 rg BT 110.00 575.57 Td (333-192302\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 524.2333984375 m 55.5 524.2333984375 l s q 0 0 1 rg BT 38.00 525.57 Td (4.02) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 544.2333984375 m 573.9013671875 544.2333984375 l s q 0 0 1 rg BT 110.00 545.57 Td (First Supplemental Indenture, dated as of February 1, 2016, between Citigroup and ) Tj ET Q q 0 0 1 rg BT 444.47 545.57 Td (The Bank of New ) Tj ET Q q 0 0 1 rg BT 517.96 545.57 Td (Y) Tj ET Q q 0 0 1 rg BT 524.18 545.57 Td (ork Mellon, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 534.2333984375 m 543.7841796875 534.2333984375 l s q 0 0 1 rg BT 110.00 535.57 Td (as trustee, incorporated by reference to Exhibit 4.01 to the Company) Tj ET Q q 0 0 1 rg BT 386.58 535.57 Td (s Current Report on Form 8-K filed on ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 524.2333984375 m 263.8671875 524.2333984375 l s q 0 0 1 rg BT 110.00 525.57 Td (February 1, 2016 \(File No. 001-9924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 474.2333984375 m 55.5 474.2333984375 l s q 0 0 1 rg BT 38.00 475.57 Td (4.03) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 494.2333984375 m 561.0986328125 494.2333984375 l s q 0 0 1 rg BT 110.00 495.57 Td (Second Supplemental Indenture, dated as of December29, 2016, between Citigroup and ) Tj ET Q q 0 0 1 rg BT 465.55 495.57 Td (The Bank of New ) Tj ET Q q 0 0 1 rg BT 539.05 495.57 Td (Y) Tj ET Q q 0 0 1 rg BT 545.27 495.57 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 484.2333984375 m 565.1708984375 484.2333984375 l s q 0 0 1 rg BT 110.00 485.57 Td (Mellon, as trustee, incorporated by reference to Exhibit4.01 to the Company) Tj ET Q q 0 0 1 rg BT 420.47 485.57 Td (s Current Report on Form8-K filed ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 474.2333984375 m 286.3525390625 474.2333984375 l s q 0 0 1 rg BT 110.00 475.57 Td (on December29, 2016 \(File No. 001-9924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 413.2333984375 m 55.5 413.2333984375 l s q 0 0 1 rg BT 38.00 414.57 Td (4.04) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 443.2333984375 m 546.8603515625 443.2333984375 l s q 0 0 1 rg BT 110.00 444.57 Td (Third Supplemental Indenture dated as of June 26, 2017 among Citigroup Global Markets Holdings Inc., the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 433.2333984375 m 521.6796875 433.2333984375 l s q 0 0 1 rg BT 110.00 434.57 Td (Company and ) Tj ET Q q 0 0 1 rg BT 168.14 434.57 Td (The Bank of New ) Tj ET Q q 0 0 1 rg BT 241.64 434.57 Td (Y) Tj ET Q q 0 0 1 rg BT 247.86 434.57 Td (ork Mellon, as trustee, to Indenture dated as of November 13, 2013, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 423.2333984375 m 564.9072265625 423.2333984375 l s q 0 0 1 rg BT 110.00 424.57 Td (incorporated by reference to Exhibit 4.01 to the Company) Tj ET Q q 0 0 1 rg BT 344.10 424.57 Td (s Quarterly Report on Form 10-Q filed ) Tj ET Q q 0 0 1 rg BT 501.02 424.57 Td (August 1, 2017 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 413.2333984375 m 197.7685546875 413.2333984375 l s q 0 0 1 rg BT 110.00 414.57 Td (\(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 352.2333984375 m 55.5 352.2333984375 l s q 0 0 1 rg BT 38.00 353.57 Td (4.05) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 382.2333984375 m 544.1748046875 382.2333984375 l s q 0 0 1 rg BT 110.00 383.57 Td (Subordinated Debt Indenture, dated as of ) Tj ET Q q 0 0 1 rg BT 276.34 383.57 Td (April12, 2001, between the Company and ) Tj ET Q q 0 0 1 rg BT 448.63 383.57 Td (The Bank of New ) Tj ET Q q 0 0 1 rg BT 522.12 383.57 Td (Y) Tj ET Q q 0 0 1 rg BT 528.34 383.57 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 372.2333984375 m 522.080078125 372.2333984375 l s q 0 0 1 rg BT 110.00 373.57 Td (Mellon, as successor to JP) Tj ET Q q 0 0 1 rg BT 214.90 373.57 Td ( Mor) Tj ET Q q 0 0 1 rg BT 234.44 373.57 Td (gan Chase Bank \(formerly Bank One ) Tj ET Q q 0 0 1 rg BT 385.33 373.57 Td (T) Tj ET Q q 0 0 1 rg BT 391.08 373.57 Td (rust Company) Tj ET Q q 0 0 1 rg BT 446.82 373.57 Td (, N.A.\), as trustee, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 362.2333984375 m 561.845703125 362.2333984375 l s q 0 0 1 rg BT 110.00 363.57 Td (incorporated by reference to Exhibit 4.1 to the Company) Tj ET Q q 0 0 1 rg BT 339.10 363.57 Td (s Registration Statement on Form S-3 filed February 4, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 352.2333984375 m 207.2119140625 352.2333984375 l s q 0 0 1 rg BT 110.00 353.57 Td (2013 \(No. 333-186425\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 300.2333984375 m 55.5 300.2333984375 l s q 0 0 1 rg BT 38.00 301.57 Td (4.06) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 320.2333984375 m 568.2958984375 320.2333984375 l s q 0 0 1 rg BT 110.00 321.57 Td (First Supplemental Indenture, dated as of ) Tj ET Q q 0 0 1 rg BT 276.91 321.57 Td (August 2, 2004, between the Company and J.P) Tj ET Q q 0 0 1 rg BT 463.00 321.57 Td (. Mor) Tj ET Q q 0 0 1 rg BT 485.04 321.57 Td (gan ) Tj ET Q q 0 0 1 rg BT 501.80 321.57 Td (T) Tj ET Q q 0 0 1 rg BT 507.56 321.57 Td (rust Company) Tj ET Q q 0 0 1 rg BT 563.30 321.57 Td (, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 310.2333984375 m 544.53125 310.2333984375 l s q 0 0 1 rg BT 110.00 311.57 Td (N.A. \(formerly Bank One ) Tj ET Q q 0 0 1 rg BT 215.35 311.57 Td (T) Tj ET Q q 0 0 1 rg BT 221.10 311.57 Td (rust Company) Tj ET Q q 0 0 1 rg BT 276.84 311.57 Td (, N.A.\), as trustee, incorporated by reference to Exhibit 4.13 to the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 300.2333984375 m 477.9443359375 300.2333984375 l s q 0 0 1 rg BT 110.00 301.57 Td (Company) Tj ET Q q 0 0 1 rg BT 151.67 301.57 Td (s Registration Statement on Form S-3/A) Tj ET Q q 0 0 1 rg BT 311.94 301.57 Td ( filed ) Tj ET Q q 0 0 1 rg BT 334.71 301.57 Td (August 31, 2004 \(No. 333-1) Tj ET Q q 0 0 1 rg BT 447.11 301.57 Td (17615\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 239.2333984375 m 55.5 239.2333984375 l s q 0 0 1 rg BT 38.00 240.57 Td (4.07) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 269.2333984375 m 572.2314453125 269.2333984375 l s q 0 0 1 rg BT 110.00 270.57 Td (Second Supplemental Indenture, dated as of May 18, 2016, between Citigroup and ) Tj ET Q q 0 0 1 rg BT 442.80 270.57 Td (The Bank of New ) Tj ET Q q 0 0 1 rg BT 516.29 270.57 Td (Y) Tj ET Q q 0 0 1 rg BT 522.51 270.57 Td (ork Mellon, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 259.2333984375 m 530.166015625 259.2333984375 l s q 0 0 1 rg BT 110.00 260.57 Td (as successor to J.P) Tj ET Q q 0 0 1 rg BT 182.77 260.57 Td (. Mor) Tj ET Q q 0 0 1 rg BT 204.81 260.57 Td (gan ) Tj ET Q q 0 0 1 rg BT 221.57 260.57 Td (T) Tj ET Q q 0 0 1 rg BT 227.33 260.57 Td (rust Company) Tj ET Q q 0 0 1 rg BT 283.07 260.57 Td (, N.A. \(formerly Bank One ) Tj ET Q q 0 0 1 rg BT 393.41 260.57 Td (T) Tj ET Q q 0 0 1 rg BT 399.17 260.57 Td (rust Company) Tj ET Q q 0 0 1 rg BT 454.91 260.57 Td (, N.A.\), as trustee, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 249.2333984375 m 554.62890625 249.2333984375 l s q 0 0 1 rg BT 110.00 250.57 Td (incorporated by reference to Exhibit 4.2 to the Company) Tj ET Q q 0 0 1 rg BT 339.10 250.57 Td (s Current Report on Form8-K filed on May20, 2016 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 239.2333984375 m 174.7119140625 239.2333984375 l s q 0 0 1 rg BT 110.00 240.57 Td (\(No. 001-9924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 178.2333984375 m 55.5 178.2333984375 l s q 0 0 1 rg BT 38.00 179.57 Td (4.08) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 208.2333984375 m 567.7783203125 208.2333984375 l s q 0 0 1 rg BT 110.00 209.57 Td (Third Supplemental Indenture, dated as of March1, 2017, between Citigroup and ) Tj ET Q q 0 0 1 rg BT 438.34 209.57 Td (The Bank of New ) Tj ET Q q 0 0 1 rg BT 511.84 209.57 Td (Y) Tj ET Q q 0 0 1 rg BT 518.06 209.57 Td (ork Mellon, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 198.2333984375 m 530.166015625 198.2333984375 l s q 0 0 1 rg BT 110.00 199.57 Td (as successor to J.P) Tj ET Q q 0 0 1 rg BT 182.77 199.57 Td (. Mor) Tj ET Q q 0 0 1 rg BT 204.81 199.57 Td (gan ) Tj ET Q q 0 0 1 rg BT 221.57 199.57 Td (T) Tj ET Q q 0 0 1 rg BT 227.33 199.57 Td (rust Company) Tj ET Q q 0 0 1 rg BT 283.07 199.57 Td (, N.A. \(formerly Bank One ) Tj ET Q q 0 0 1 rg BT 393.41 199.57 Td (T) Tj ET Q q 0 0 1 rg BT 399.17 199.57 Td (rust Company) Tj ET Q q 0 0 1 rg BT 454.91 199.57 Td (, N.A.\), as trustee, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 188.2333984375 m 556.474609375 188.2333984375 l s q 0 0 1 rg BT 110.00 189.57 Td (incorporated by reference to Exhibit 4.1) Tj ET Q q 0 0 1 rg BT 269.57 189.57 Td (1 to the Company) Tj ET Q q 0 0 1 rg BT 343.73 189.57 Td (s Registration Statement on Form S-3 filed March 1, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 178.2333984375 m 207.2119140625 178.2333984375 l s q 0 0 1 rg BT 110.00 179.57 Td (2017 \(No. 333-216372\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 129.57 Td (4.09) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 149.57 Td (Indenture, dated as of March 15, 1987, between Primerica Corporation, a New Jersey corporation, and ) Tj ET Q q 0 0 0 rg BT 521.99 149.57 Td (The Bank of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 139.57 Td (New ) Tj ET Q q 0 0 0 rg BT 131.20 139.57 Td (Y) Tj ET Q q 0 0 0 rg BT 137.73 139.57 Td (ork, as trustee, incorporated by reference to Exhibit 4.01 to the Company) Tj ET Q q 0 0 0 rg BT 432.42 139.57 Td (s Registration Statement on Form) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 129.57 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 79.57 Td (4.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 99.57 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 89.57 Td (Inc. and ) Tj ET Q q 0 0 0 rg BT 144.53 89.57 Td (The Bank of New ) Tj ET Q q 0 0 0 rg BT 218.02 89.57 Td (Y) Tj ET Q q 0 0 0 rg BT 224.24 89.57 Td (ork, as trustee, incorporated by reference to Exhibit 4.02 to the Company) Tj ET Q q 0 0 0 rg BT 519.16 89.57 Td (s) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 79.57 Td (Registration Statement on Form S-3 filed December 8, 1992 \(No. 03355542\).) 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0 d 0 J 0 j 3 M 35.5 366.5 m 82.5 366.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 405.5 m 82.5 366.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 405.5 m 107.5 366.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 405.5 m 107.5 405.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 366.5 m 107.5 366.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 405.5 m 107.5 366.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 405.5 m 575.5 366.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 405.5 m 575.5 405.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 366.5 m 575.5 366.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 366.5 m 35.5 353.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 366.5 m 82.5 353.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 366.5 m 82.5 366.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 353.5 m 82.5 353.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 366.5 m 82.5 353.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 366.5 m 107.5 353.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 366.5 m 107.5 366.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 353.5 m 107.5 353.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 366.5 m 107.5 353.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 366.5 m 575.5 353.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 366.5 m 575.5 366.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 353.5 m 575.5 353.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 353.5 m 35.5 316.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 353.5 m 82.5 316.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 353.5 m 82.5 353.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 316.5 m 82.5 316.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 353.5 m 82.5 316.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 353.5 m 107.5 316.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 353.5 m 107.5 353.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 316.5 m 107.5 316.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 353.5 m 107.5 316.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 353.5 m 575.5 316.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 353.5 m 575.5 353.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 316.5 m 575.5 316.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 316.5 m 35.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 316.5 m 82.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 316.5 m 82.5 316.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 303.5 m 82.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 316.5 m 82.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 316.5 m 107.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 316.5 m 107.5 316.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 303.5 m 107.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 316.5 m 107.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 316.5 m 575.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 316.5 m 575.5 316.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 303.5 m 575.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 303.5 m 35.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 303.5 m 82.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 303.5 m 82.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 264.5 m 82.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 303.5 m 82.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 303.5 m 107.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 303.5 m 107.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 264.5 m 107.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 303.5 m 107.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 303.5 m 575.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 303.5 m 575.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 264.5 m 575.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 264.5 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 82.5 264.5 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 35.5 264.5 m 82.5 264.5 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 82.5 264.5 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 107.5 264.5 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 82.5 264.5 m 107.5 264.5 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 107.5 264.5 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 575.5 264.5 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 107.5 264.5 m 575.5 264.5 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 35.5 226.5 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 82.5 226.5 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 35.5 226.5 m 82.5 226.5 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 82.5 226.5 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 107.5 226.5 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 82.5 226.5 m 107.5 226.5 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 107.5 226.5 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 575.5 226.5 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 107.5 226.5 m 575.5 226.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 226.5 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 82.5 226.5 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 35.5 226.5 m 82.5 226.5 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 82.5 226.5 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 107.5 226.5 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 82.5 226.5 m 107.5 226.5 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 107.5 226.5 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 575.5 226.5 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 107.5 226.5 m 575.5 226.5 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 35.5 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 213.5 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 35.5 213.5 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 35.5 174.5 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 82.5 213.5 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 107.5 213.5 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 82.5 213.5 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 82.5 174.5 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 107.5 213.5 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 575.5 213.5 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 107.5 213.5 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 107.5 174.5 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 35.5 161.5 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 82.5 161.5 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 35.5 161.5 m 82.5 161.5 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 82.5 161.5 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 107.5 161.5 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 82.5 161.5 m 107.5 161.5 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 107.5 161.5 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 575.5 161.5 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 107.5 161.5 m 575.5 161.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 161.5 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 82.5 161.5 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 35.5 161.5 m 82.5 161.5 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 82.5 161.5 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 107.5 161.5 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 82.5 161.5 m 107.5 161.5 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 107.5 161.5 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 575.5 161.5 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 107.5 161.5 m 575.5 161.5 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 35.5 122.5 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 82.5 122.5 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 35.5 122.5 m 82.5 122.5 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 82.5 122.5 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 107.5 122.5 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 82.5 122.5 m 107.5 122.5 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 107.5 122.5 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 575.5 122.5 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 107.5 122.5 m 575.5 122.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 122.5 m 35.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 122.5 m 82.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 122.5 m 82.5 122.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 85.5 m 82.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 122.5 m 82.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 122.5 m 107.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 122.5 m 107.5 122.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 85.5 m 107.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 122.5 m 107.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 122.5 m 575.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 122.5 m 575.5 122.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 85.5 m 575.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 85.5 m 35.5 72.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 85.5 m 82.5 72.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 85.5 m 82.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 72.5 m 82.5 72.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 85.5 m 82.5 72.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 85.5 m 107.5 72.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 85.5 m 107.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 72.5 m 107.5 72.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 85.5 m 107.5 72.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 85.5 m 575.5 72.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 85.5 m 575.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 72.5 m 575.5 72.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 72.5 m 35.5 72 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 72.5 m 82.5 72 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 72.5 m 82.5 72.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 72 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 72.5 m 82.5 72 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 72.5 m 107.5 72 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 72.5 m 107.5 72.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 72 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 72.5 m 107.5 72 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 72.5 m 575.5 72 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 72.5 m 575.5 72.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 72 m BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 723.17 Td (4.1) Tj ET Q q 0 0 0 rg BT 50.50 723.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 743.17 Td (Second Supplemental Indenture, dated as of January 31, 1991, between Primerica Holdings, Inc. and ) Tj ET Q q 0 0 0 rg BT 515.63 743.17 Td (The Bank of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 733.17 Td (New ) Tj ET Q q 0 0 0 rg BT 131.20 733.17 Td (Y) Tj ET Q q 0 0 0 rg BT 137.73 733.17 Td (ork, as trustee, incorporated by reference to Exhibit 4.03 to the Company) Tj ET Q q 0 0 0 rg BT 432.42 733.17 Td (s Registration Statement on Form) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 723.17 Td (S-3 filed December 8, 1992 \(No. 03355542\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 671.17 Td (4.12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 691.17 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 110.00 681.17 Td (Corporation and ) Tj ET Q q 0 0 0 rg BT 177.58 681.17 Td (The Bank of New ) Tj ET Q q 0 0 0 rg BT 251.08 681.17 Td (Y) Tj ET Q q 0 0 0 rg BT 257.30 681.17 Td (ork, as trustee, incorporated by reference to Exhibit 5 to the Company) Tj ET Q q 0 0 0 rg BT 539.71 681.17 Td (s Form) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 671.17 Td (8-A) Tj ET Q q 0 0 0 rg BT 125.00 671.17 Td ( 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 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 619.8333984375 m 55.5 619.8333984375 l s q 0 0 1 rg BT 38.00 621.17 Td (4.13) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 639.8333984375 m 572.2216796875 639.8333984375 l s q 0 0 1 rg BT 110.00 641.17 Td (Fourth Supplemental Indenture, dated as of November 2, 1998, between the Company and ) Tj ET Q q 0 0 1 rg BT 474.17 641.17 Td (The Bank of New ) Tj ET Q q 0 0 1 rg BT 547.67 641.17 Td (Y) Tj ET Q q 0 0 1 rg BT 553.89 641.17 Td (ork, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 629.8333984375 m 552.1044921875 629.8333984375 l s q 0 0 1 rg BT 110.00 631.17 Td (as trustee, incorporated by reference to Exhibit 4.01 to the Company) Tj ET Q q 0 0 1 rg BT 386.58 631.17 Td (s Quarterly Report on Form 10-Q for the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 619.8333984375 m 319.66796875 619.8333984375 l s q 0 0 1 rg BT 110.00 621.17 Td (quarter ended September 30, 1998 \(No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 569.8333984375 m 55.5 569.8333984375 l s q 0 0 1 rg BT 38.00 571.17 Td (4.14) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 589.8333984375 m 561.376953125 589.8333984375 l s q 0 0 1 rg BT 110.00 591.17 Td (Fifth Supplemental Indenture, dated as of December 9, 2008, between the Company and ) Tj ET Q q 0 0 1 rg BT 465.83 591.17 Td (The Bank of New ) Tj ET Q q 0 0 1 rg BT 539.33 591.17 Td (Y) Tj ET Q q 0 0 1 rg BT 545.55 591.17 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 579.8333984375 m 565.1708984375 579.8333984375 l s q 0 0 1 rg BT 110.00 581.17 Td (Mellon, as trustee, incorporated by reference to Exhibit 4.04 to the Company) Tj ET Q q 0 0 1 rg BT 420.47 581.17 Td (s Current Report on Form 8-K filed ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 569.8333984375 m 260.4248046875 569.8333984375 l s q 0 0 1 rg BT 110.00 571.17 Td (December 1) Tj ET Q q 0 0 1 rg BT 158.21 571.17 Td (1, 2008 \(No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 519.8333984375 m 55.5 519.8333984375 l s q 0 0 1 rg BT 38.00 521.17 Td (4.15) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 539.8333984375 m 568.046875 539.8333984375 l s q 0 0 1 rg BT 110.00 541.17 Td (Sixth Supplemental Indenture, dated as of December 20, 2012, between the Company and ) Tj ET Q q 0 0 1 rg BT 472.50 541.17 Td (The Bank of New ) Tj ET Q q 0 0 1 rg BT 546.00 541.17 Td (Y) Tj ET Q q 0 0 1 rg BT 552.22 541.17 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 529.8333984375 m 553.7548828125 529.8333984375 l s q 0 0 1 rg BT 110.00 531.17 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 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 519.8333984375 m 447.1630859375 519.8333984375 l s q 0 0 1 rg BT 110.00 521.17 Td (Company) Tj ET Q q 0 0 1 rg BT 151.67 521.17 Td (s Current Report on Form 8-K filed December 21, 2012 \(No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 469.8333984375 m 55.5 469.8333984375 l s q 0 0 1 rg BT 38.00 471.17 Td (4.16) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 489.8333984375 m 558.8916015625 489.8333984375 l s q 0 0 1 rg BT 110.00 491.17 Td (Seventh Supplemental Indenture, dated as of May 18, 2016, between Citigroup Inc. and ) Tj ET Q q 0 0 1 rg BT 463.34 491.17 Td (The Bank of New ) Tj ET Q q 0 0 1 rg BT 536.84 491.17 Td (Y) Tj ET Q q 0 0 1 rg BT 543.06 491.17 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 479.8333984375 m 572.6708984375 479.8333984375 l s q 0 0 1 rg BT 110.00 481.17 Td (Mellon, as trustee, incorporated by reference to Exhibit 4.1 to the Company) Tj ET Q q 0 0 1 rg BT 415.47 481.17 Td (s Current Report on Form8-K filed on ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 469.8333984375 m 233.0419921875 469.8333984375 l s q 0 0 1 rg BT 110.00 471.17 Td (May 20, 2016 \(No. 001-9924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 421.8333984375 m 55.5 421.8333984375 l s q 0 0 1 rg BT 38.00 423.17 Td (4.17) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 441.8333984375 m 557.5146484375 441.8333984375 l s q 0 0 1 rg BT 110.00 443.17 Td (Senior Debt Indenture, dated as of June 1, 2005, among Citigroup Funding Inc., the Company and ) Tj ET Q q 0 0 1 rg BT 505.03 443.17 Td (The Bank of ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 431.8333984375 m 565.5517578125 431.8333984375 l s q 0 0 1 rg BT 110.00 433.17 Td (New ) Tj ET Q q 0 0 1 rg BT 131.01 433.17 Td (Y) Tj ET Q q 0 0 1 rg BT 137.23 433.17 Td (ork Mellon, as successor trustee to JPMor) Tj ET Q q 0 0 1 rg BT 304.53 433.17 Td (gan Chase Bank, N.A., incorporated by reference to Exhibit 4\(b\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 421.8333984375 m 504.951171875 421.8333984375 l s q 0 0 1 rg BT 110.00 423.17 Td (to the Company) Tj ET Q q 0 0 1 rg BT 176.66 423.17 Td (s Registration Statement on Form S-3 filed March 13, 2006 \(No. 333-132370-01\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 369.8333984374999 m 55.5 369.8333984374999 l s q 0 0 1 rg BT 38.00 371.17 Td (4.18) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 389.8333984375 m 571.845703125 389.8333984375 l s q 0 0 1 rg BT 110.00 391.17 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 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 379.8333984374999 m 566.93359375 379.8333984374999 l s q 0 0 1 rg BT 110.00 381.17 Td (The Bank of New ) Tj ET Q q 0 0 1 rg BT 183.50 381.17 Td (Y) Tj ET Q q 0 0 1 rg BT 189.72 381.17 Td (ork Mellon, as successor trustee to JPMor) Tj ET Q q 0 0 1 rg BT 357.01 381.17 Td (gan Chase Bank, N.A., incorporated by reference to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 369.8333984374999 m 519.1015625 369.8333984374999 l s q 0 0 1 rg BT 110.00 371.17 Td (Exhibit 4.2 to the Company) Tj ET Q q 0 0 1 rg BT 223.60 371.17 Td (s Current Report on Form 8-K filed December 21, 2012 \(No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 319.8333984374999 m 55.5 319.8333984374999 l s q 0 0 1 rg BT 38.00 321.17 Td (4.19) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 339.8333984374999 m 571.6552734375 339.8333984374999 l s q 0 0 1 rg BT 110.00 341.17 Td (Indenture, dated as of July 23, 2004, between the Company and JPMor) Tj ET Q q 0 0 1 rg BT 393.65 341.17 Td (gan Chase Bank, as trustee, incorporated by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 329.8333984374999 m 529.9365234375 329.8333984374999 l s q 0 0 1 rg BT 110.00 331.17 Td (reference to Exhibit 4.28 to the Company) Tj ET Q q 0 0 1 rg BT 278.56 331.17 Td (s Registration Statement on Form S-3 filed July 23, 2004 \(No. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 319.8333984374999 m 163.7890625 319.8333984374999 l s q 0 0 1 rg BT 110.00 321.17 Td (333-1) Tj ET Q q 0 0 1 rg BT 132.96 321.17 Td (17615\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 267.8333984374999 m 55.5 267.8333984374999 l s q 0 0 1 rg BT 38.00 269.17 Td (4.20) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 287.8333984374999 m 559.62890625 287.8333984374999 l s q 0 0 1 rg BT 110.00 289.17 Td (W) Tj ET Q q 0 0 1 rg BT 118.64 289.17 Td (arrant ) Tj ET Q q 0 0 1 rg BT 143.90 289.17 Td (Agreement \(relating to ) Tj ET Q q 0 0 1 rg BT 237.29 289.17 Td (W) Tj ET Q q 0 0 1 rg BT 245.93 289.17 Td (arrants \(expiring January 4, 2019\)\), dated as of January 25, 201) Tj ET Q q 0 0 1 rg BT 499.10 289.17 Td (1, between the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 277.8333984374999 m 560.498046875 277.8333984374999 l s q 0 0 1 rg BT 110.00 279.17 Td (Company and Computershare Inc. and Computershare ) Tj ET Q q 0 0 1 rg BT 330.04 279.17 Td (T) Tj ET Q q 0 0 1 rg BT 335.80 279.17 Td (rust Company) Tj ET Q q 0 0 1 rg BT 391.53 279.17 Td (, N.A., as ) Tj ET Q q 0 0 1 rg BT 431.63 279.17 Td (W) Tj ET Q q 0 0 1 rg BT 440.26 279.17 Td (arrant ) Tj ET Q q 0 0 1 rg BT 465.53 279.17 Td (Agent, incorporated by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 267.8333984374999 m 500.947265625 267.8333984374999 l s q 0 0 1 rg BT 110.00 269.17 Td (reference to Exhibit 4.1 to the Company) Tj ET Q q 0 0 1 rg BT 273.56 269.17 Td (s Form 8-A) Tj ET Q q 0 0 1 rg BT 319.13 269.17 Td ( filed January 26, 201) Tj ET Q q 0 0 1 rg BT 405.68 269.17 Td (1 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 229.8333984374999 m 55.5 229.8333984374999 l s q 0 0 1 rg BT 38.00 231.17 Td (4.21) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 239.8333984374999 m 570.6884765625 239.8333984374999 l s q 0 0 1 rg BT 110.00 241.17 Td (Specimen ) Tj ET Q q 0 0 1 rg BT 151.75 241.17 Td (W) Tj ET Q q 0 0 1 rg BT 160.39 241.17 Td (arrant for 255,033,142 ) Tj ET Q q 0 0 1 rg BT 252.69 241.17 Td (W) Tj ET Q q 0 0 1 rg BT 261.32 241.17 Td (arrants, incorporated by reference to Exhibit 4.2 to the Company) Tj ET Q q 0 0 1 rg BT 522.63 241.17 Td (s Form 8-A) Tj ET Q q 0 0 1 rg BT 568.19 241.17 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 229.8333984374999 m 289.3212890625 229.8333984374999 l s q 0 0 1 rg BT 110.00 231.17 Td (filed January 26, 201) Tj ET Q q 0 0 1 rg BT 194.05 231.17 Td (1 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 177.8333984374999 m 55.5 177.8333984374999 l s q 0 0 1 rg BT 38.00 179.17 Td (4.22) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 197.8333984374999 m 565.7373046875 197.8333984374999 l s q 0 0 1 rg BT 110.00 199.17 Td (W) Tj ET Q q 0 0 1 rg BT 118.64 199.17 Td (arrant ) Tj ET Q q 0 0 1 rg BT 143.90 199.17 Td (Agreement \(relating to ) Tj ET Q q 0 0 1 rg BT 237.29 199.17 Td (W) Tj ET Q q 0 0 1 rg BT 245.93 199.17 Td (arrants \(expiring October 28, 2018\)\), dated as of January 25, 201) Tj ET Q q 0 0 1 rg BT 505.21 199.17 Td (1, between the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 187.8333984374999 m 560.498046875 187.8333984374999 l s q 0 0 1 rg BT 110.00 189.17 Td (Company and Computershare Inc. and Computershare ) Tj ET Q q 0 0 1 rg BT 330.04 189.17 Td (T) Tj ET Q q 0 0 1 rg BT 335.80 189.17 Td (rust Company) Tj ET Q q 0 0 1 rg BT 391.53 189.17 Td (, N.A., as ) Tj ET Q q 0 0 1 rg BT 431.63 189.17 Td (W) Tj ET Q q 0 0 1 rg BT 440.26 189.17 Td (arrant ) Tj ET Q q 0 0 1 rg BT 465.53 189.17 Td (Agent, incorporated by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 177.8333984374999 m 500.947265625 177.8333984374999 l s q 0 0 1 rg BT 110.00 179.17 Td (reference to Exhibit 4.1 to the Company) Tj ET Q q 0 0 1 rg BT 273.56 179.17 Td (s Form 8-A) Tj ET Q q 0 0 1 rg BT 319.13 179.17 Td ( filed January 26, 201) Tj ET Q q 0 0 1 rg BT 405.68 179.17 Td (1 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 138.8333984374999 m 55.5 138.8333984374999 l s q 0 0 1 rg BT 38.00 140.17 Td (4.23) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 148.8333984374999 m 570.6884765625 148.8333984374999 l s q 0 0 1 rg BT 110.00 150.17 Td (Specimen ) Tj ET Q q 0 0 1 rg BT 151.75 150.17 Td (W) Tj ET Q q 0 0 1 rg BT 160.39 150.17 Td (arrant for 210,084,034 ) Tj ET Q q 0 0 1 rg BT 252.69 150.17 Td (W) Tj ET Q q 0 0 1 rg BT 261.32 150.17 Td (arrants, incorporated by reference to Exhibit 4.2 to the Company) Tj ET Q q 0 0 1 rg BT 522.63 150.17 Td (s Form 8-A) Tj ET Q q 0 0 1 rg BT 568.19 150.17 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 138.8333984374999 m 289.3212890625 138.8333984374999 l s q 0 0 1 rg BT 110.00 140.17 Td (filed January 26, 201) Tj ET Q q 0 0 1 rg BT 194.05 140.17 Td (1 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 88.83339843749991 m 55.5 88.83339843749991 l s q 0 0 1 rg BT 38.00 90.17 Td (4.24) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 108.83339843749991 m 570.3125 108.83339843749991 l s q 0 0 1 rg BT 110.00 110.17 Td (Form of Capital Securities Guarantee ) Tj ET Q q 0 0 1 rg BT 261.35 110.17 Td (Agreement between the Company) Tj ET Q q 0 0 1 rg BT 397.04 110.17 Td (, as Guarantor) Tj ET Q q 0 0 1 rg BT 453.01 110.17 Td (, and ) Tj ET Q q 0 0 1 rg BT 474.77 110.17 Td (The Bank of New ) Tj ET Q q 0 0 1 rg BT 548.26 110.17 Td (Y) Tj ET Q q 0 0 1 rg BT 554.48 110.17 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 98.83339843749991 m 567.1142578125 98.83339843749991 l s q 0 0 1 rg BT 110.00 100.17 Td (Mellon, as Guarantee ) Tj ET Q q 0 0 1 rg BT 198.12 100.17 Td (T) Tj ET Q q 0 0 1 rg BT 203.88 100.17 Td (rustee, incorporated by reference to Exhibit 4.32 to the Company) Tj ET Q q 0 0 1 rg BT 466.85 100.17 Td (s Registration Statement ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 88.83339843749991 m 327.9541015625 88.83339843749991 l s q 0 0 1 rg BT 110.00 90.17 Td (on Form S-3 filed July 2, 2004 \(File No. 333-1) Tj ET Q q 0 0 1 rg BT 297.12 90.17 Td (17615\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 607 0 obj <> endobj 608 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (303) 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 35.5 729.5 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 82.5 729.5 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 35.5 729.5 m 82.5 729.5 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 82.5 729.5 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 107.5 729.5 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 82.5 729.5 m 107.5 729.5 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 107.5 729.5 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 575.5 729.5 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 107.5 729.5 m 575.5 729.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 729.5 m 35.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 729.5 m 82.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 729.5 m 82.5 729.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 716.5 m 82.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 729.5 m 82.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 729.5 m 107.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 729.5 m 107.5 729.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 716.5 m 107.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 729.5 m 107.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 729.5 m 575.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 729.5 m 575.5 729.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 716.5 m 575.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 716.5 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 82.5 716.5 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 35.5 716.5 m 82.5 716.5 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 82.5 716.5 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 107.5 716.5 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 82.5 716.5 m 107.5 716.5 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 107.5 716.5 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 575.5 716.5 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 107.5 716.5 m 575.5 716.5 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 35.5 666.5 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 82.5 666.5 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 35.5 666.5 m 82.5 666.5 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 82.5 666.5 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 107.5 666.5 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 82.5 666.5 m 107.5 666.5 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 107.5 666.5 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 575.5 666.5 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 107.5 666.5 m 575.5 666.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 666.5 m 35.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 666.5 m 82.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 666.5 m 82.5 666.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 629.5 m 82.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 666.5 m 82.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 666.5 m 107.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 666.5 m 107.5 666.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 629.5 m 107.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 666.5 m 107.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 666.5 m 575.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 666.5 m 575.5 666.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 629.5 m 575.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 629.5 m 35.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 629.5 m 82.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 629.5 m 82.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 616.5 m 82.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 629.5 m 82.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 629.5 m 107.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 629.5 m 107.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 616.5 m 107.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 629.5 m 107.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 629.5 m 575.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 629.5 m 575.5 629.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 616.5 m 575.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 616.5 m 35.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 616.5 m 82.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 616.5 m 82.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 591.5 m 82.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 616.5 m 82.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 616.5 m 107.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 616.5 m 107.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 591.5 m 107.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 616.5 m 107.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 616.5 m 575.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 616.5 m 575.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 591.5 m 575.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 591.5 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 82.5 591.5 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 35.5 591.5 m 82.5 591.5 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 82.5 591.5 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 107.5 591.5 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 82.5 591.5 m 107.5 591.5 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 107.5 591.5 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 575.5 591.5 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 107.5 591.5 m 575.5 591.5 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 35.5 553.5 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 82.5 553.5 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 35.5 553.5 m 82.5 553.5 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 82.5 553.5 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 107.5 553.5 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 82.5 553.5 m 107.5 553.5 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 107.5 553.5 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 575.5 553.5 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 107.5 553.5 m 575.5 553.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 553.5 m 35.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 553.5 m 82.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 553.5 m 82.5 553.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 540.5 m 82.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 553.5 m 82.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 553.5 m 107.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 553.5 m 107.5 553.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 540.5 m 107.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 553.5 m 107.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 553.5 m 575.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 553.5 m 575.5 553.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 540.5 m 575.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 540.5 m 35.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 540.5 m 82.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 540.5 m 82.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 514.5 m 82.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 540.5 m 82.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 540.5 m 107.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 540.5 m 107.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 514.5 m 107.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 540.5 m 107.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 540.5 m 575.5 514.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 540.5 m 575.5 540.5 l s 0 0 0 RG /GS0 gs 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gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 374.5 m 107.5 374.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 361.5 m 107.5 361.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 374.5 m 107.5 361.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 374.5 m 575.5 361.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 374.5 m 575.5 374.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 361.5 m 575.5 361.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 361.5 m 35.5 327.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 361.5 m 82.5 327.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 361.5 m 82.5 361.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 327.5 m 82.5 327.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 361.5 m 82.5 327.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 361.5 m 107.5 327.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 361.5 m 107.5 361.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 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575.5 314.5 m 575.5 277.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 314.5 m 575.5 314.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 277.5 m 575.5 277.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 277.5 m 35.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 277.5 m 82.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 277.5 m 82.5 277.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 264.5 m 82.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 277.5 m 82.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 277.5 m 107.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 277.5 m 107.5 277.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 264.5 m 107.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 277.5 m 107.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 277.5 m 575.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 277.5 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238.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 238.5 m 35.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 238.5 m 82.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 238.5 m 82.5 238.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 225.5 m 82.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 238.5 m 82.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 238.5 m 107.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 238.5 m 107.5 238.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 225.5 m 107.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 238.5 m 107.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 238.5 m 575.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 238.5 m 575.5 238.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 225.5 m 575.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 225.5 m 35.5 188.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 225.5 m 82.5 188.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 225.5 m 82.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 188.5 m 82.5 188.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 225.5 m 82.5 188.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 225.5 m 107.5 188.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 225.5 m 107.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 188.5 m 107.5 188.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 225.5 m 107.5 188.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 225.5 m 575.5 188.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 225.5 m 575.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 188.5 m 575.5 188.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 188.5 m 35.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 188.5 m 82.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 188.5 m 82.5 188.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 175.5 m 82.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 188.5 m 82.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 188.5 m 107.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 188.5 m 107.5 188.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 175.5 m 107.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 188.5 m 107.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 188.5 m 575.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 188.5 m 575.5 188.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 175.5 m 575.5 175.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 175.5 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 82.5 175.5 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 35.5 175.5 m 82.5 175.5 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 82.5 175.5 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 107.5 175.5 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 82.5 175.5 m 107.5 175.5 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 107.5 175.5 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 575.5 175.5 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 107.5 175.5 m 575.5 175.5 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 35.5 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 138.5 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 35.5 138.5 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 35.5 125.5 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 82.5 138.5 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 107.5 138.5 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 82.5 138.5 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 82.5 125.5 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 107.5 138.5 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 575.5 138.5 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 107.5 138.5 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 107.5 125.5 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 88.5 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 88.5 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 88.5 m 82.5 88.5 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 88.5 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 88.5 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 88.5 m 107.5 88.5 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 88.5 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 88.5 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 88.5 m 575.5 88.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 88.5 m 35.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 88.5 m 82.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 88.5 m 82.5 88.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 75.5 m 82.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 88.5 m 82.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 88.5 m 107.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 88.5 m 107.5 88.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 75.5 m 107.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 88.5 m 107.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 88.5 m 575.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 88.5 m 575.5 88.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 75.5 m 575.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 75.5 m 35.5 75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 75.5 m 82.5 75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 75.5 m 82.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 75.5 m 82.5 75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 75.5 m 107.5 75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 75.5 m 107.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 75.5 m 107.5 75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 75.5 m 575.5 75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 75.5 m 575.5 75.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 75 m BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 732.8333984374999 m 55.5 732.8333984374999 l s q 0 0 1 rg BT 38.00 734.17 Td (4.25) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 742.8333984374999 m 554.23828125 742.8333984374999 l s q 0 0 1 rg BT 110.00 744.17 Td (Specimen Physical Common Stock Certificate of the Company) Tj ET Q q 0 0 1 rg BT 361.81 744.17 Td (, incorporated by reference to Exhibit 4.1 to the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 732.8333984374999 m 437.0947265625 732.8333984374999 l s q 0 0 1 rg BT 110.00 734.17 Td (Company) Tj ET Q q 0 0 1 rg BT 151.67 734.17 Td (s Current Report on Form 8-K filed May 9, 201) Tj ET Q q 0 0 1 rg BT 341.83 734.17 Td (1 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 682.8333984374999 m 65.5 682.8333984374999 l s q 0 0 1 rg BT 38.00 684.17 Td (10.01*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 702.8333984374999 m 572.3779296875 702.8333984374999 l s q 0 0 1 rg BT 110.00 704.17 Td (Citi Discretionary Incentive and Retention ) Tj ET Q q 0 0 1 rg BT 281.90 704.17 Td (A) Tj ET Q q 0 0 1 rg BT 288.20 704.17 Td (ward Plan \(as ) Tj ET Q q 0 0 1 rg BT 344.58 704.17 Td (Amended and Restated Ef) Tj ET Q q 0 0 1 rg BT 449.09 704.17 Td (fective as of January 1, 2015\), ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 692.8333984374999 m 549.052734375 692.8333984374999 l s q 0 0 1 rg BT 110.00 694.17 Td (incorporated by reference to Exhibit 10.01 to the Company) Tj ET Q q 0 0 1 rg BT 349.10 694.17 Td (s ) Tj ET Q q 0 0 1 rg BT 354.94 694.17 Td (Annual Report on Form 10-K for the fiscal year ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 682.8333984374999 m 429.091796875 682.8333984374999 l s q 0 0 1 rg BT 110.00 684.17 Td (ended December 31, 2014 \(File No. 001-09924\) \(the Company) Tj ET Q q 0 0 1 rg BT 369.38 684.17 Td (s 2014 10-K\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 632.8333984374999 m 73 632.8333984374999 l s q 0 0 1 rg BT 38.00 634.17 Td (10.02.1*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 652.8333984374999 m 536.630859375 652.8333984374999 l s q 0 0 1 rg BT 110.00 654.17 Td (Citigroup 1999 Stock Incentive Plan \(as amended and restated ef) Tj ET Q q 0 0 1 rg BT 369.47 654.17 Td (fective January 1, 2009\), incorporated by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 642.8333984374999 m 568.4814453125 642.8333984374999 l s q 0 0 1 rg BT 110.00 644.17 Td (reference to Exhibit 10.15 to the Company) Tj ET Q q 0 0 1 rg BT 283.56 644.17 Td (s ) Tj ET Q q 0 0 1 rg BT 289.40 644.17 Td (Annual Report on Form 10-K for the fiscal year ended December 31, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 632.8333984374999 m 344.130859375 632.8333984374999 l s q 0 0 1 rg BT 110.00 634.17 Td (2008 \(File No. 001-09924\) \(the Company) Tj ET Q q 0 0 1 rg BT 284.42 634.17 Td (s 2008 10-K\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 594.8333984374999 m 73 594.8333984374999 l s q 0 0 1 rg BT 38.00 596.17 Td (10.02.2*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 604.8333984374999 m 570.771484375 604.8333984374999 l s q 0 0 1 rg BT 110.00 606.17 Td (Citigroup 2009 Stock Incentive Plan \(as amended and restated ef) Tj ET Q q 0 0 1 rg BT 369.47 606.17 Td (fective ) Tj ET Q q 0 0 1 rg BT 398.62 606.17 Td (April 24, 2013\), incorporated by reference ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 594.8333984374999 m 531.9091796875 594.8333984374999 l s q 0 0 1 rg BT 110.00 596.17 Td (to Exhibit 10.1 to the Company) Tj ET Q q 0 0 1 rg BT 238.88 596.17 Td (s Current Report on Form 8-K filed ) Tj ET Q q 0 0 1 rg BT 383.03 596.17 Td (April 26, 2013 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 556.8333984374999 m 73 556.8333984374999 l s q 0 0 1 rg BT 38.00 558.17 Td (10.02.3*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 566.8333984374999 m 570.771484375 566.8333984374999 l s q 0 0 1 rg BT 110.00 568.17 Td (Citigroup 2014 Stock Incentive Plan \(as amended and restated ef) Tj ET Q q 0 0 1 rg BT 369.47 568.17 Td (fective ) Tj ET Q q 0 0 1 rg BT 398.62 568.17 Td (April 24, 2018\), incorporated by reference ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 556.8333984374999 m 544.4091796875 556.8333984374999 l s q 0 0 1 rg BT 110.00 558.17 Td (to Exhibit 10.1 to the Company) Tj ET Q q 0 0 1 rg BT 238.88 558.17 Td (s Current Report on Form 8-K filed on ) Tj ET Q q 0 0 1 rg BT 395.53 558.17 Td (April 30, 2018 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 517.8333984374999 m 65.5 517.8333984374999 l s q 0 0 1 rg BT 38.00 519.17 Td (10.03*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 527.8333984374999 m 572.08984375 527.8333984374999 l s q 0 0 1 rg BT 110.00 529.17 Td (Citigroup Inc. Deferred Cash ) Tj ET Q q 0 0 1 rg BT 228.58 529.17 Td (A) Tj ET Q q 0 0 1 rg BT 234.88 529.17 Td (ward Plan \(as ) Tj ET Q q 0 0 1 rg BT 291.26 529.17 Td (Amended and Restated Ef) Tj ET Q q 0 0 1 rg BT 395.77 529.17 Td (fective as of January 1, 2015\), incorporated ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 517.8333984374999 m 348.0078125 517.8333984374999 l s q 0 0 1 rg BT 110.00 519.17 Td (by reference to Exhibit 10.03 to the Company) Tj ET Q q 0 0 1 rg BT 296.06 519.17 Td (s 2014 10-K.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 479.8333984374999 m 65.5 479.8333984374999 l s q 0 0 1 rg BT 38.00 481.17 Td (10.04*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 489.8333984374999 m 548.9990234375 489.8333984374999 l s q 0 0 1 rg BT 110.00 491.17 Td (Form of Citigroup Inc. CAP/DCAP) Tj ET Q q 0 0 1 rg BT 252.14 491.17 Td ( ) Tj ET Q q 0 0 1 rg BT 254.09 491.17 Td (Agreement, incorporated by reference to Exhibit 10.01 to the Company) Tj ET Q q 0 0 1 rg BT 542.61 491.17 Td (s ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 479.8333984374999 m 532.6806640625 479.8333984374999 l s q 0 0 1 rg BT 110.00 481.17 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 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 427.8333984374999 m 65.5 427.8333984374999 l s q 0 0 1 rg BT 38.00 429.17 Td (10.06*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 447.8333984374999 m 573.935546875 447.8333984374999 l s q 0 0 1 rg BT 110.00 449.17 Td (The ) Tj ET Q q 0 0 1 rg BT 127.50 449.17 Td (Amended and Restated 201) Tj ET Q q 0 0 1 rg BT 237.37 449.17 Td (1 Citigroup Executive Performance Plan \(as amended and restated January 1, 2016, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 437.8333984374999 m 574.033203125 437.8333984374999 l s q 0 0 1 rg BT 110.00 439.17 Td (and as further amended on February 16, 2017\), incorporated by reference to Exhibit 10.2 to the Company) Tj ET Q q 0 0 1 rg BT 534.59 439.17 Td (s Current ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 427.8333984374999 m 498.525390625 427.8333984374999 l s q 0 0 1 rg BT 110.00 429.17 Td (Report on Form 10-Q filed for the quarterly period ended March 31, 2017 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 377.8333984374999 m 73 377.8333984374999 l s q 0 0 1 rg BT 38.00 379.17 Td (10.06.1*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 397.8333984374999 m 565.3466796875 397.8333984374999 l s q 0 0 1 rg BT 110.00 399.17 Td (Form of Citigroup Inc. Performance Share Unit ) Tj ET Q q 0 0 1 rg BT 302.18 399.17 Td (A) Tj ET Q q 0 0 1 rg BT 308.49 399.17 Td (ward ) Tj ET Q q 0 0 1 rg BT 330.42 399.17 Td (Agreement \(awards dated February 16, 2016 and in future ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 387.8333984374999 m 544.0478515625 387.8333984374999 l s q 0 0 1 rg BT 110.00 389.17 Td (years\), incorporated by reference to Exhibit 10.02 to the Company) Tj ET Q q 0 0 1 rg BT 378.53 389.17 Td (s Quarterly Report on Form 10-Q for the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 377.8333984374999 m 356.884765625 377.8333984374999 l s q 0 0 1 rg BT 110.00 379.17 Td (quarterly period ended March 31, 2016 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 330.8333984374999 m 73 330.8333984374999 l s q 0 0 1 rg BT 38.00 332.17 Td (10.06.2*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 350.7333984375 m 565.3466796875 350.7333984375 l s q 0 0 1 rg BT 110.00 352.07 Td (Form of Citigroup Inc. Performance Share Unit ) Tj ET Q q 0 0 1 rg BT 302.18 352.07 Td (A) Tj ET Q q 0 0 1 rg BT 308.49 352.07 Td (ward ) Tj ET Q q 0 0 1 rg BT 330.42 352.07 Td (Agreement \(awards dated February 16, 2017 and in future ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 340.7333984375 m 544.0478515625 340.7333984375 l s q 0 0 1 rg BT 110.00 342.07 Td (years\), incorporated by reference to Exhibit 10.01 to the Company) Tj ET Q q 0 0 1 rg BT 378.53 342.07 Td (s Quarterly Report on Form 10-Q for the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 330.7333984375 m 356.884765625 330.7333984375 l s q 0 0 1 rg BT 110.00 332.07 Td (quarterly period ended March 31, 2017 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 280.8333984374999 m 65.5 280.8333984374999 l s q 0 0 1 rg BT 38.00 282.17 Td (10.07*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 300.8333984374999 m 555.68359375 300.8333984374999 l s q 0 0 1 rg BT 110.00 302.17 Td (Citigroup Management Committee ) Tj ET Q q 0 0 1 rg BT 252.29 302.17 Td (T) Tj ET Q q 0 0 1 rg BT 257.71 302.17 Td (ermination Notice and Non-Solicitation Policy) Tj ET Q q 0 0 1 rg BT 443.69 302.17 Td (, ef) Tj ET Q q 0 0 1 rg BT 456.27 302.17 Td (fective October 2, 2006, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 290.8333984374999 m 556.005859375 290.8333984374999 l s q 0 0 1 rg BT 110.00 292.17 Td (incorporated by reference to Exhibit 10.1 to the Company) Tj ET Q q 0 0 1 rg BT 344.10 292.17 Td (s Current Report on Form 8-K filed October 6, 2006 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 280.8333984374999 m 197.7685546875 280.8333984374999 l s q 0 0 1 rg BT 110.00 282.17 Td (\(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 241.8333984374999 m 73 241.8333984374999 l s q 0 0 1 rg BT 38.00 243.17 Td (10.08.1*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 251.8333984374999 m 533.564453125 251.8333984374999 l s q 0 0 1 rg BT 110.00 253.17 Td (Citicorp Deferred Compensation Plan, ef) Tj ET Q q 0 0 1 rg BT 273.94 253.17 Td (fective October 1995, incorporated by reference to Exhibit 10 to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 241.8333984374999 m 483.5693359375 241.8333984374999 l s q 0 0 1 rg BT 110.00 243.17 Td (Citicorp) Tj ET Q q 0 0 1 rg BT 145.55 243.17 Td (s Registration Statement on Form S-8 filed February 15, 1996 \(File No. 333-00983\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 191.8333984374999 m 73 191.8333984374999 l s q 0 0 1 rg BT 38.00 193.17 Td (10.08.2*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 211.8333984374999 m 548.212890625 211.8333984374999 l s q 0 0 1 rg BT 110.00 213.17 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 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 201.8333984374999 m 564.8974609375 201.8333984374999 l s q 0 0 1 rg BT 110.00 203.17 Td (Company) Tj ET Q q 0 0 1 rg BT 151.67 203.17 Td (s ) Tj ET Q q 0 0 1 rg BT 157.50 203.17 Td (Annual Report on Form 10-K for the fiscal year ended December 31, 1999 \(File No. 001-09924\) \(the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 191.8333984374999 m 215.8154296875 191.8333984374999 l s q 0 0 1 rg BT 110.00 193.17 Td (Company) Tj ET Q q 0 0 1 rg BT 156.10 193.17 Td (s 1999 10-K\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 141.8333984374999 m 73 141.8333984374999 l s q 0 0 1 rg BT 38.00 143.17 Td (10.08.3*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 161.8333984374999 m 553.02734375 161.8333984374999 l s q 0 0 1 rg BT 110.00 163.17 Td (Amendment to the Citicorp Deferred Compensation Plan, ef) Tj ET Q q 0 0 1 rg BT 350.87 163.17 Td (fective as of September 28, 2001, incorporated by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 151.8333984374999 m 560.9814453125 151.8333984374999 l s q 0 0 1 rg BT 110.00 153.17 Td (reference to Exhibit 10.17.3 to the Company) Tj ET Q q 0 0 1 rg BT 291.06 153.17 Td (s ) Tj ET Q q 0 0 1 rg BT 296.90 153.17 Td (Annual Report on Form 10-K for the fiscal year ended December ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 141.8333984374999 m 235.2685546875 141.8333984374999 l s q 0 0 1 rg BT 110.00 143.17 Td (31, 2001 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 91.83339843749991 m 73 91.83339843749991 l s q 0 0 1 rg BT 38.00 93.17 Td (10.08.4*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 111.83339843749991 m 567.3583984375 111.83339843749991 l s q 0 0 1 rg BT 110.00 113.17 Td (Amendment to the Citicorp Deferred Compensation Plan, adopted November 22, 2009, incorporated by reference ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 101.83339843749991 m 558.798828125 101.83339843749991 l s q 0 0 1 rg BT 110.00 103.17 Td (to Exhibit 10.01.5 to the Company) Tj ET Q q 0 0 1 rg BT 251.38 103.17 Td (s ) Tj ET Q q 0 0 1 rg BT 257.22 103.17 Td (Annual Report on Form 10-K for the fiscal year ended December 31, 2009 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 91.83339843749991 m 321.630859375 91.83339843749991 l s q 0 0 1 rg BT 110.00 93.17 Td (\(File No. 001-09924\) \(the Company) Tj ET Q q 0 0 1 rg BT 261.92 93.17 Td (s 2009 10-K\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 609 0 obj <>] /Rotate 0 /Contents 610 0 R>> endobj 610 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (304) 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 35.5 717.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 754.5 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 35.5 754.5 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 35.5 717.5 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 82.5 754.5 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 107.5 754.5 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 82.5 754.5 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 82.5 717.5 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 107.5 754.5 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 575.5 754.5 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 107.5 754.5 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 107.5 717.5 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 35.5 704.5 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 82.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 717.5 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 35.5 704.5 m 82.5 704.5 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 82.5 704.5 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 107.5 704.5 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 82.5 704.5 m 107.5 704.5 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 107.5 704.5 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 575.5 704.5 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 107.5 704.5 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 35.5 704.5 m 35.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 704.5 m 82.5 678.5 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 82.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 678.5 m 82.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 704.5 m 82.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 704.5 m 107.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 704.5 m 107.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 678.5 m 107.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 704.5 m 107.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 704.5 m 575.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 704.5 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 107.5 678.5 m 575.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 678.5 m 35.5 665.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 678.5 m 82.5 665.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 678.5 m 82.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 665.5 m 82.5 665.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 678.5 m 82.5 665.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 678.5 m 107.5 665.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 678.5 m 107.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 665.5 m 107.5 665.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 678.5 m 107.5 665.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 678.5 m 575.5 665.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 678.5 m 575.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 665.5 m 575.5 665.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 665.5 m 35.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 665.5 m 82.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 665.5 m 82.5 665.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 640.5 m 82.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 665.5 m 82.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 665.5 m 107.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 665.5 m 107.5 665.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 640.5 m 107.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 665.5 m 107.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 665.5 m 575.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 665.5 m 575.5 665.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 640.5 m 575.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 640.5 m 35.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 640.5 m 82.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 640.5 m 82.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 627.5 m 82.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 640.5 m 82.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 640.5 m 107.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 640.5 m 107.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 627.5 m 107.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 640.5 m 107.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 640.5 m 575.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 640.5 m 575.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 627.5 m 575.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 627.5 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 82.5 627.5 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 35.5 627.5 m 82.5 627.5 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 82.5 627.5 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 107.5 627.5 m 107.5 602.5 l s 0 0 0 RG /GS0 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575.5 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 374.5 m 575.5 374.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 337.5 m 575.5 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 337.5 m 35.5 324.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 337.5 m 82.5 324.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 337.5 m 82.5 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 324.5 m 82.5 324.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 337.5 m 82.5 324.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 337.5 m 107.5 324.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 337.5 m 107.5 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 324.5 m 107.5 324.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 337.5 m 107.5 324.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 337.5 m 575.5 324.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 337.5 m 575.5 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 324.5 m 575.5 324.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 324.5 m 35.5 309.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 324.5 m 82.5 309.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 324.5 m 82.5 324.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 309.5 m 82.5 309.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 324.5 m 82.5 309.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 324.5 m 107.5 309.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 324.5 m 107.5 324.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 309.5 m 107.5 309.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 324.5 m 107.5 309.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 324.5 m 575.5 309.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 324.5 m 575.5 324.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 309.5 m 575.5 309.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 309.5 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 82.5 309.5 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 35.5 309.5 m 82.5 309.5 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 82.5 309.5 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 107.5 309.5 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 82.5 309.5 m 107.5 309.5 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 107.5 309.5 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 575.5 309.5 m 575.5 296.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 309.5 m 575.5 309.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 296.5 m 575.5 296.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 296.5 m 35.5 281.5 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 82.5 281.5 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 35.5 281.5 m 82.5 281.5 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 82.5 281.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 296.5 m 107.5 281.5 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 82.5 281.5 m 107.5 281.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 296.5 m 107.5 281.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 296.5 m 575.5 281.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 296.5 m 575.5 296.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 281.5 m 575.5 281.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 281.5 m 35.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 281.5 m 82.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 281.5 m 82.5 281.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 268.5 m 82.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 281.5 m 82.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 281.5 m 107.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 281.5 m 107.5 281.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 268.5 m 107.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 281.5 m 107.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 281.5 m 575.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 281.5 m 575.5 281.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 268.5 m 575.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 268.5 m 35.5 253.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 268.5 m 82.5 253.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 268.5 m 82.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 253.5 m 82.5 253.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 268.5 m 82.5 253.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 268.5 m 107.5 253.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 268.5 m 107.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 253.5 m 107.5 253.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 268.5 m 107.5 253.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 268.5 m 575.5 253.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 268.5 m 575.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 253.5 m 575.5 253.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 253.5 m 35.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 253.5 m 82.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 253.5 m 82.5 253.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 240.5 m 82.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 253.5 m 82.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 253.5 m 107.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 253.5 m 107.5 253.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 240.5 m 107.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 253.5 m 107.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 253.5 m 575.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 253.5 m 575.5 253.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 240.5 m 575.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 240.5 m 35.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 240.5 m 82.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 240.5 m 82.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 225.5 m 82.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 240.5 m 82.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 240.5 m 107.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 240.5 m 107.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 225.5 m 107.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 240.5 m 107.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 240.5 m 575.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 240.5 m 575.5 240.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 225.5 m 575.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 225.5 m 35.5 212.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 225.5 m 82.5 212.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 225.5 m 82.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 212.5 m 82.5 212.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 225.5 m 82.5 212.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 225.5 m 107.5 212.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 225.5 m 107.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 212.5 m 107.5 212.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 225.5 m 107.5 212.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 225.5 m 575.5 212.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 225.5 m 575.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 212.5 m 575.5 212.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 212.5 m 35.5 197.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 212.5 m 82.5 197.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 212.5 m 82.5 212.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 197.5 m 82.5 197.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 212.5 m 82.5 197.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 212.5 m 107.5 197.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 212.5 m 107.5 212.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 197.5 m 107.5 197.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 212.5 m 107.5 197.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 212.5 m 575.5 197.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 212.5 m 575.5 212.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 197.5 m 575.5 197.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 197.5 m 35.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 197.5 m 82.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 197.5 m 82.5 197.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 184.5 m 82.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 197.5 m 82.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 197.5 m 107.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 197.5 m 107.5 197.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 184.5 m 107.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 197.5 m 107.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 197.5 m 575.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 197.5 m 575.5 197.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 184.5 m 575.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 184.5 m 35.5 158.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 184.5 m 82.5 158.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 184.5 m 82.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 158.5 m 82.5 158.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 184.5 m 82.5 158.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 184.5 m 107.5 158.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 184.5 m 107.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 158.5 m 107.5 158.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 184.5 m 107.5 158.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 184.5 m 575.5 158.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 184.5 m 575.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 158.5 m 575.5 158.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 158.5 m 35.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 158.5 m 82.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 158.5 m 82.5 158.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 145.5 m 82.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 158.5 m 82.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 158.5 m 107.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 158.5 m 107.5 158.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 145.5 m 107.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 158.5 m 107.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 158.5 m 575.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 158.5 m 575.5 158.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 145.5 m 575.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 145.5 m 35.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 145.5 m 82.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 145.5 m 82.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 130.5 m 82.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 145.5 m 82.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 145.5 m 107.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 145.5 m 107.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 130.5 m 107.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 145.5 m 107.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 145.5 m 575.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 145.5 m 575.5 145.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 130.5 m 575.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 130.5 m 35.5 117.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 130.5 m 82.5 117.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 130.5 m 82.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 117.5 m 82.5 117.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 130.5 m 82.5 117.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 130.5 m 107.5 117.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 130.5 m 107.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 117.5 m 107.5 117.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 130.5 m 107.5 117.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 130.5 m 575.5 117.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 130.5 m 575.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 117.5 m 575.5 117.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 117.5 m 35.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 117.5 m 82.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 117.5 m 82.5 117.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 69.5 m 82.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 117.5 m 82.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 117.5 m 107.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 117.5 m 107.5 117.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 69.5 m 107.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 117.5 m 107.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 117.5 m 575.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 117.5 m 575.5 117.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 69.5 m 575.5 69.5 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 720.8333984374999 m 73 720.8333984374999 l s q 0 0 1 rg BT 38.00 722.17 Td (10.09.1*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 740.8333984374999 m 569.453125 740.8333984374999 l s q 0 0 1 rg BT 110.00 742.17 Td (Supplemental ERISA) Tj ET Q q 0 0 1 rg BT 195.83 742.17 Td ( Compensation Plan of Citibank, N.A. and ) Tj ET Q q 0 0 1 rg BT 367.49 742.17 Td (Af) Tj ET Q q 0 0 1 rg BT 377.86 742.17 Td (filiates, as amended and restated \(the Citibank ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 730.8333984374999 m 568.5205078125 730.8333984374999 l s q 0 0 1 rg BT 110.00 732.17 Td (Supplemental ERISA) Tj ET Q q 0 0 1 rg BT 195.83 732.17 Td ( Plan\), incorporated by reference to Exhibit 10.\(G\) to Citicorp) Tj ET Q q 0 0 1 rg BT 451.03 732.17 Td (s ) Tj ET Q q 0 0 1 rg BT 456.87 732.17 Td (Annual Report on Form 10-) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 720.8333984374999 m 387.6904296875 720.8333984374999 l s q 0 0 1 rg BT 110.00 722.17 Td (K for the fiscal year ended December 31, 1997 \(File No. 001-05378\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 681.8333984374999 m 73 681.8333984374999 l s q 0 0 1 rg BT 38.00 683.17 Td (10.09.2*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 691.8333984374999 m 556.3623046875 691.8333984374999 l s q 0 0 1 rg BT 110.00 693.17 Td (Amendment to the Citibank Supplemental ERISA) Tj ET Q q 0 0 1 rg BT 309.70 693.17 Td ( Plan, ef) Tj ET Q q 0 0 1 rg BT 342.57 693.17 Td (fective January 1, 2000, incorporated by reference to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 681.8333984374999 m 293.046875 681.8333984374999 l s q 0 0 1 rg BT 110.00 683.17 Td (Exhibit 10.21.2 to the Company) Tj ET Q q 0 0 1 rg BT 241.10 683.17 Td (s 1999 10-K.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 643.8333984374999 m 73 643.8333984374999 l s q 0 0 1 rg BT 38.00 645.17 Td (10.09.3*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 653.8333984374999 m 567.7001953125 653.8333984374999 l s q 0 0 1 rg BT 110.00 655.17 Td (Resolution ) Tj ET Q q 0 0 1 rg BT 155.28 655.17 Td (Amending the Citibank Supplemental ERISA) Tj ET Q q 0 0 1 rg BT 337.49 655.17 Td ( Plan, incorporated by reference to Exhibit 10.04.1 to the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 643.8333984374999 m 546.8505859375 643.8333984374999 l s q 0 0 1 rg BT 110.00 645.17 Td (Company) Tj ET Q q 0 0 1 rg BT 151.67 645.17 Td (s ) Tj ET Q q 0 0 1 rg BT 157.50 645.17 Td (Annual Report on Form 10-K for the fiscal year ended December 31, 2005 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 605.8333984374999 m 73 605.8333984374999 l s q 0 0 1 rg BT 38.00 607.17 Td (10.09.4*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 615.8333984374999 m 556.3623046875 615.8333984374999 l s q 0 0 1 rg BT 110.00 617.17 Td (Amendment to the Citibank Supplemental ERISA) Tj ET Q q 0 0 1 rg BT 309.70 617.17 Td ( Plan, ef) Tj ET Q q 0 0 1 rg BT 342.57 617.17 Td (fective January 1, 2009, incorporated by reference to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 605.8333984374999 m 293.046875 605.8333984374999 l s q 0 0 1 rg BT 110.00 607.17 Td (Exhibit 10.01.4 to the Company) Tj ET Q q 0 0 1 rg BT 241.10 607.17 Td (s 2009 10-K.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 566.8333984374999 m 73 566.8333984374999 l s q 0 0 1 rg BT 38.00 568.17 Td (10.09.5*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 576.8333984374999 m 572.470703125 576.8333984374999 l s q 0 0 1 rg BT 110.00 578.17 Td (Amendment to the Citibank Supplemental ERISA) Tj ET Q q 0 0 1 rg BT 309.70 578.17 Td ( Plan, ef) Tj ET Q q 0 0 1 rg BT 342.57 578.17 Td (fective November 22, 2009, incorporated by reference to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 566.8333984374999 m 293.046875 566.8333984374999 l s q 0 0 1 rg BT 110.00 568.17 Td (Exhibit 10.01.5 to the Company) Tj ET Q q 0 0 1 rg BT 241.10 568.17 Td (s 2009 10-K.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 516.8333984374999 m 73 516.8333984374999 l s q 0 0 1 rg BT 38.00 518.17 Td (10.09.6*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 536.8333984374999 m 571.34765625 536.8333984374999 l s q 0 0 1 rg BT 110.00 538.17 Td (Amendment to the Citibank Supplemental ERISA) Tj ET Q q 0 0 1 rg BT 309.70 538.17 Td ( Plan, ef) Tj ET Q q 0 0 1 rg BT 342.57 538.17 Td (fective December 31, 2012, incorporated by reference to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 526.8333984374999 m 569.9072265625 526.8333984374999 l s q 0 0 1 rg BT 110.00 528.17 Td (Exhibit 10.01.6 to the Company) Tj ET Q q 0 0 1 rg BT 241.10 528.17 Td (s ) Tj ET Q q 0 0 1 rg BT 246.94 528.17 Td (Annual Report on Form 10-K for the fiscal year ended December 31, 2012 \(File ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 516.8333984374999 m 176.3818359375 516.8333984374999 l s q 0 0 1 rg BT 110.00 518.17 Td (No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 489.7333984375 m 73.6396484375 489.7333984375 l s q 0 0 1 rg BT 38.00 491.07 Td (10.09.7+) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 489.7333984375 m 453.3544921875 489.7333984375 l s q 0 0 1 rg BT 110.00 491.07 Td (Amendment to the Citibank Supplemental ERISA) Tj ET Q q 0 0 1 rg BT 309.70 491.07 Td ( Plan, ef) Tj ET Q q 0 0 1 rg BT 342.57 491.07 Td (fective December 31, 2018.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 440.8333984374999 m 65.5 440.8333984374999 l s q 0 0 1 rg BT 38.00 442.17 Td (10.10*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 460.8333984374999 m 573.0224609375 460.8333984374999 l s q 0 0 1 rg BT 110.00 462.17 Td (Citigroup Inc. Omnibus Non-Qualified Plan ) Tj ET Q q 0 0 1 rg BT 288.32 462.17 Td (Amendment, ef) Tj ET Q q 0 0 1 rg BT 350.34 462.17 Td (fective as of June 2, 2014, incorporated by reference to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 450.8333984374999 m 571.8603515625 450.8333984374999 l s q 0 0 1 rg BT 110.00 452.17 Td (Exhibit 10.01 to the Company) Tj ET Q q 0 0 1 rg BT 233.60 452.17 Td (s Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2014 \(File ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 440.8333984374999 m 176.3818359375 440.8333984374999 l s q 0 0 1 rg BT 110.00 442.17 Td (No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 390.8333984374999 m 65.12890625 390.8333984374999 l s q 0 0 1 rg BT 38.00 392.17 Td (10.1) Tj ET Q q 0 0 1 rg BT 55.13 392.17 Td (1*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 410.8333984374999 m 536.982421875 410.8333984374999 l s q 0 0 1 rg BT 110.00 412.17 Td (Letter ) Tj ET Q q 0 0 1 rg BT 135.82 412.17 Td (Agreement, dated December 21, 201) Tj ET Q q 0 0 1 rg BT 282.61 412.17 Td (1, between Citigroup Inc. and Michael Corbat, incorporated by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 400.8333984374999 m 542.587890625 400.8333984374999 l s q 0 0 1 rg BT 110.00 402.17 Td (reference to Exhibit 10.1 to the Company) Tj ET Q q 0 0 1 rg BT 278.56 402.17 Td (s Current Report on Form 8-K filed December 22, 201) Tj ET Q q 0 0 1 rg BT 496.48 402.17 Td (1 \(File No. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 390.8333984374999 m 159.16015625 390.8333984374999 l s q 0 0 1 rg BT 110.00 392.17 Td (001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 340.8333984374999 m 65.5 340.8333984374999 l s q 0 0 1 rg BT 38.00 342.17 Td (10.12*) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 360.8333984374999 m 552.197265625 360.8333984374999 l s q 0 0 1 rg BT 110.00 362.17 Td (Citigroup Inc. Non-Employee Directors Compensation Plan \(ef) Tj ET Q q 0 0 1 rg BT 363.37 362.17 Td (fective as of January 1, 2008\), incorporated by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 350.8333984374999 m 542.1044921875 350.8333984374999 l s q 0 0 1 rg BT 110.00 352.17 Td (reference to Exhibit 10.01 to the Company) Tj ET Q q 0 0 1 rg BT 283.56 352.17 Td (s Quarterly Report on Form 10-Q for the quarterly period ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 340.8333984374999 m 280.5322265625 340.8333984374999 l s q 0 0 1 rg BT 110.00 342.17 Td (September 30, 2007 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 312.8333984374999 m 66.1396484375 312.8333984374999 l s q 0 0 1 rg BT 38.00 314.17 Td (21.01+) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 312.8333984374999 m 227.6708984375 312.8333984374999 l s q 0 0 1 rg BT 110.00 314.17 Td (Subsidiaries of the Company) Tj ET Q q 0 0 1 rg BT 225.17 314.17 Td (.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 284.8333984374999 m 66.1396484375 284.8333984374999 l s q 0 0 1 rg BT 38.00 286.17 Td (23.01+) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 284.8333984374999 m 404.970703125 284.8333984374999 l s q 0 0 1 rg BT 110.00 286.17 Td (Consent of KPMG LLP) Tj ET Q q 0 0 1 rg BT 204.17 286.17 Td (, Independent Registered Public ) Tj ET Q q 0 0 1 rg BT 333.87 286.17 Td (Accounting Firm.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 256.8333984374999 m 66.1396484375 256.8333984374999 l s q 0 0 1 rg BT 38.00 258.17 Td (24.01+) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 256.8333984374999 m 189.619140625 256.8333984374999 l s q 0 0 1 rg BT 110.00 258.17 Td (Powers of ) Tj ET Q q 0 0 1 rg BT 152.22 258.17 Td (Attorney) Tj ET Q q 0 0 1 rg BT 187.12 258.17 Td (.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 228.8333984374999 m 66.1396484375 228.8333984374999 l s q 0 0 1 rg BT 38.00 230.17 Td (31.01+) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 228.8333984374999 m 520.52734375 228.8333984374999 l s q 0 0 1 rg BT 110.00 230.17 Td (Certification of principal executive of) Tj ET Q q 0 0 1 rg BT 260.87 230.17 Td (ficer pursuant to Section 302 of the Sarbanes-Oxley ) Tj ET Q q 0 0 1 rg BT 470.26 230.17 Td (Act of 2002.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 200.8333984374999 m 66.1396484375 200.8333984374999 l s q 0 0 1 rg BT 38.00 202.17 Td (31.02+) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 200.8333984374999 m 517.197265625 200.8333984374999 l s q 0 0 1 rg BT 110.00 202.17 Td (Certification of principal financial of) Tj ET Q q 0 0 1 rg BT 257.54 202.17 Td (ficer pursuant to Section 302 of the Sarbanes-Oxley ) Tj ET Q q 0 0 1 rg BT 466.93 202.17 Td (Act of 2002.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 161.8333984374999 m 66.1396484375 161.8333984374999 l s q 0 0 1 rg BT 38.00 163.17 Td (32.01+) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 171.8333984374999 m 571.0302734375 171.8333984374999 l s q 0 0 1 rg BT 110.00 173.17 Td (Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley ) Tj ET Q q 0 0 1 rg BT 543.26 173.17 Td (Act of ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 161.8333984374999 m 132.5 161.8333984374999 l s q 0 0 1 rg BT 110.00 163.17 Td (2002.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 133.8333984374999 m 66.1396484375 133.8333984374999 l s q 0 0 1 rg BT 38.00 135.17 Td (99.01+) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 133.8333984374999 m 489.638671875 133.8333984374999 l s q 0 0 1 rg BT 110.00 135.17 Td (List of Securities Registered Pursuant to Section 12\(b\) of the Securities Exchange ) Tj ET Q q 0 0 1 rg BT 439.37 135.17 Td (Act of 1934.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 38 72.83339843749991 m 71.1396484375 72.83339843749991 l s q 0 0 1 rg BT 38.00 74.17 Td (101.01+) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 102.83339843749991 m 561.5380859375 102.83339843749991 l s q 0 0 1 rg BT 110.00 104.17 Td (Financial statements from the ) Tj ET Q q 0 0 1 rg BT 230.53 104.17 Td (Annual Report on Form 10-K of the Company for the fiscal year ended December ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 92.83339843749991 m 532.6904296875 92.83339843749991 l s q 0 0 1 rg BT 110.00 94.17 Td (31, 2018, filed February 22, 2019, formatted in XBRL: \(i\) the Consolidated Statement of Income, \(ii\) the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 82.83339843749991 m 533.1591796875 82.83339843749991 l s q 0 0 1 rg BT 110.00 84.17 Td (Consolidated Balance Sheet, \(iii\) the Consolidated Statement of Changes in Equity) Tj ET Q q 0 0 1 rg BT 441.23 84.17 Td (, \(iv\) the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 110 72.83339843749991 m 436.064453125 72.83339843749991 l s q 0 0 1 rg BT 110.00 74.17 Td (Statement of Cash Flows and \(v\) the Notes to Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET endstream endobj 611 0 obj <> endobj 612 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (305) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (The total amount of securities authorized pursuant to any instrument defining rights of holders of long-term debt of the Company does ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (not exceed 10% of the total assets of the Company and its consolidated subsidiaries. ) Tj ET Q q 0 0 0 rg BT 374.91 737.10 Td (The Company will furnish copies of any such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (instrument to the SEC upon request.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (Copies of any of the exhibits referred to above will be furnished at a cost of $0.25 per page \(although no char) Tj ET Q q 0 0 0 rg BT 472.90 701.10 Td (ge will be made for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 57.95 689.10 Td (Annual Report on Form 10-K\) to security holders who make written request to Citigroup Inc., Corporate Governance, 388 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (Greenwich Street, New ) Tj ET Q q 0 0 0 rg BT 131.70 677.10 Td (Y) Tj ET Q q 0 0 0 rg BT 137.92 677.10 Td (ork, NY) Tj ET Q q 0 0 0 rg BT 170.33 677.10 Td ( 10013.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (* Denotes a management contract or compensatory plan or arrangement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (+ Filed herewith.) 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