CITIGROUP INC. AND SUBSIDIARIES

Transcription

1 CITIGROUP INC. AND SUBSIDIARIES CONSOLIDATED STATEMENT OF INCOME Years ended 31 December, except per share amounts Revenues Interest revenue $ 61,683 $ 62,970 Interest expense 13,690 16,177 Net interest revenue $ 47,993 $ 46,793 Commissions and fees $ 13,032 $ 12,941 Principal transactions 6,698 7,302 Administration and other fiduciary fees 4,013 4,089 Realized gains on sales of investments, net Other-than-temporary impairment losses on investments Gross Impairment losses (432) (633) Less: Impairments recognized in AOCI 8 98 Net impairments losses recognized in earnings $ (424) $ (535) Insurance premiums $ 2,110 $ 2,395 Other revenue 2,890 2,801 Total non-interest revenues $ 28,889 $ 29,626 Total revenues, net of interest expense $ 76,882 $ 76,419 Provisions for credit losses and for benefits and claims Provision for loan losses $ 6,828 $ 7,604 Policy holder benefits and claims Provision (release) for unfunded lending commitments (162) 80 Total provisions for credit losses and for benefits and claims $ 7,467 $ 8,514 Operating expenses Compensation and benefits $ 23,959 $ 23,967 Premises and equipment 3,178 3,165 Technology/communication 6,436 6,136 Advertising and marketing 1,844 1,888 Other operating 19,634 13,252 Total operating expenses $ 55,051 $ 48,408 Income from continuing operations before income taxes $ 14,364 $ 19,497 Provision for income taxes 6,864 5,867 Income from continuing operations $ 7,500 $ 13,630 Discontinue operations Income (loss) from discontinued operations $ 10 $ (242) Gain (loss) on sale Provision (benefit) for income taxes 12 (244) Income (loss) from discontinued operations, net of taxes $ $ 270 Net income before attribution of non-controlling interests $ 7,498 $ 13,900 Non-controlling interests Citigroup s net income $ 7,313 $ 13,673 Basic earnings per share Income from continuing operations $ 2.21 $ 4.27 Net income $ 2.21 $ 4.35 Weighted average common shares outstanding 3, ,035.8 Diluted earnings per share Income from continuing operations $ 2.20 $ 4.26 Net income $ 2.20 $ 4.35 Adjusted weighted average common shares outstanding 3, ,041.6 Certain prior-period revenue and expense lines and totals were reclassified to conform to the current period s presentation. Due to rounding, earning per share on continuing operations and discontinued operations may not sum to earnings per share on net income. CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME CITIGROUP FINANCIAL SUMMARY In billions of dollars, except per-share amounts, ratios and direct staff Citicorp Net Revenues $ 71.1 $ 71.9 Citi Holdings Net Revenues Citigroup Net Revenues $ 76.9 $ 76.4 Citicorp Net Income Citi Holdings Net Loss (3.4 ) (1.9) Citigroup Net Income $ 7.3 $ 13.7 Diluted EPS - Net Income Diluted EPS - Income f rom Continuing Operations Citicorp Assets 1,745 1,763 Citi Holdings Assets Citigroup Assets $ 1843 $ 1880 Deposits Citigroup Stockholders' Equity Basel lll Common Equity Tier 1 Capital Ratio 10.6% 10.6% Basel lll Tier 1 Capital Ratio 11.5% 11.2% Basel lll Total Capital Ratio 12.8% 12.6% Estimated Basel lll Supplementary Leverage Ratio 5.9% 5.4% Book Value per Share $ $ Common Shares Outstanding (millions) 3, ,029.2 Market Capitalization $ 164 $ 158 Direct Staff (thousands) Totals may not sum due to rounding Net income before attribution of non-controllinq interests $ 7,498 $ 13,900 Citigroup's other comprehensive income (loss) Net change in unrealized gains and losses on investment securities, net of taxes $ 1,697 $ (2,237) Net change in cash flow hedges, net of taxes 336 1,048 Benefit plans liability adjustment, net of taxes (1,170 ) 1,281 Net change In foreign currency translation adjustment, net of taxes and hedges (4,946 ) (2,329) Citiqroup's total other comprehensive income(loss) $ (4,083 ) $ (2,237) Other comprehensive income (loss) attributable to non-conlrolling interests Net change in unrealized gains and losses on investment securities, net 0f taxes $ 6 $ (27) Net change in foreign currency translation adjustment, net of taxes (112 ) 10 Total other comprehensive income (loss) attributable to non-controlling interests $ (106 ) $ (17) Total comprehensive income before attribution of non-controlling interests $ 3,309 $ 11,646 Total net income attributable to non-controllinq interests Citigroup's comprehensive income $ 3,124 $ 11,419 Reflects adjustments based on the actuarial valuations of the Company's significant pension and post retirement plans, including changes in the mortality assumptions at December 31, 2014, and amortization of amounts previously recognized in Accumulated other comprehensive income (loss). CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS EQUITY Years ended 31 December Preferred stock at aggregate liquidation value Balance, beginning of year $ 6,738 $ 2,562 Issuance of new preferred stock 3,730 4,270 Redemption of preferred stock - (94) Balance, end of period $ 10,468 $ 6,738 Common stock and additional paid-in capital Balance, beginning of year $107,224 $ 106,421 Employee benefit plans Preferred stock issuance expense (31) (78) Issuance of shares and T-DEC for TARP repayment - - Other 19 3 Balance, end of period $108,010 $ 107,224 Retained earnings Adjusted balance, beginning of year $111,168 $ 97,809 Citigroup s net income 7,313 13,673 Common dividends (122) (120) Preferred dividends (511) (194) Tax benefit Other - - Balance, end of period $118,201 $ 111,168 Treasury stock, at cost Balance, beginning of year $ (1,658) $ (847) Employee benefit plans (39) 26 (3) Treasury stock acquired (1,232) (837) Balance, end of period $ (2,929) $ (1,658) Citigroup s accumulated other comprehensive income (loss) Balance, beginning of year $ (19,133) $ (16,896) Citigroup s total other comprehensive income (loss) (4,083) (2,237) Balance, end of period $(23,216) $ (19,133) Total Citigroup common stockholders equity $200,066 $ 197,601 Total Citigroup stockholders equity $210,534 $ 204,339 Non-controlling interest Balance, beginning of year $ 1,794 $ 1,948 Initial origination of a non-controlling interest - 6 Transactions between non-conrolling interest shareholders and the related consolidated subsidiary - Transactions between Citigroup and the non-controlling-interest shareholders (96) (118) Net income attributable to non-controlling-interest shareholders Dividends paid to non-controlling-interest shareholders (91) (63) Other comprehensive income (loss) attributable to non-controlling-interest shareholders (106) (17) Other (175) (187) Net change in non-controlling interests $ (283) $ (154) Balance, end of period $ 1,511 $ 1,794 Total equity $212,045 $ 206,133 Common dividends declared were $0.01 per share in each of the first, second, third and fourth quarters of 2014 and Includes treasury stock related to (i) certain activity on employee stock option programme exercises where the employee delivers existing shares to cover the option exercise, or (ii) under Citi s employee restricted or deferred stock programme where shares are withheld to satisfy tax requirements. (3) For 2014 and 2013, primarily consists of open market purchases under Citi s Board of Directors - approved common stock repurchase programme The consolidated income statement, the consolidated balance sheet and other financial information printed above are extracted from the 2014 Annual Report on Form 10-K. CONSOLIDATED BALANCE SHEET As at 31 December Assets Cash and due from banks (Including segregated cash and other deposits) $ 32,108 $ 29,885 Deposits with banks 128, ,005 Federal funds sold and securities borrowed or purchased under agreements to resell (including $144,191 and $144,083 as of December 31, 2014 and December 31,2013, respectively, at fair value) 242, ,037 Brokerage receivables 28,419 25,674 Trading account assets (including $106,217 and $106,695 pledged to creditors at December 31, 2014 and December 31, 2013, respectively) 296, ,928 Investments: Available for Sale (including $13,808 and $22,258 pledged to creditors as of December 31, 2014 and December 31, 2013, respectively) 300, ,511 Held to Maturity (including $2,974 and $4,730 pledged to creditors as of December 31, 2014 and December 31, 2013, respectively) 23,921 10,599 Non-marketable Equity Securities (including $2,758 and $4,705 at fair value as of December 31, 2014 and December 31, 2013 respectively) 9,379 11,870 Total Investments $ 333,443 $ 308,980 Loans: Consumer (including $43 and $957 as of December 31, 2014 and December 31,2013, respectively, at fair value) 369, ,831 Corporate (including $5,858 and $4,072 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 274, ,641 Loans, net unearned income $ 644,635 $ 665,472 Allowance for loan losses (15,994 ) (19,648 ) Total loans, net $ 628,641 $ 645,824 Goodwill 23,592 25,009 Intangible assets (other than MSRs) 4,566 5,056 Mortgage servicing rights (MSRs) 1,845 2,718 Other assets (including $7,762 and $7,123 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 122, ,266 Total assets $ 1,842,530 $ 1,880,382 Liabilities Non-interest-bearing deposits in U.S. offices $ 128,958 $ 128,399 Interest-bearing deposits in U.S. offices (including $994 and $988 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 284, ,164 Non-interest-bearing deposits in offices outside the U.S. 70,925 69,406 Interest-bearing deposits in offices outside the U.S. (including $690 and $689 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 414, ,304 Total deposits $ 899,332 $ 968,273 Federal funds purchased and securities loaned or sold under agreements to repurchase (including $36,725 and $54,147 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 173, ,512 Brokerage payables 52,180 53,707 Trading account liabilities 139, ,762 Short-term borrowings (including $1,496 and $3,692 as 0f December 31, 2014 and December 31, 2013, respectively, at fair value) 58,335 58,944 Long-term debt (including $26,180 and $26,877 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 223, ,116 Other liabilities (including $1,776 and $2,011 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 85,084 59,935 Total liabilities $ 1,630,485 $ 1,674,249 Stockholders' equity Preferred stock ($1.00 par value; authorized shares: 30 milli0n), issued shares: 418,720 as of December 31, 2014 and 269,520 as 0f December 31, 2013, at aggregate liquidation value $ 10,468 $ 6,738 Common stock ($0.01 par value; authorized shares: 6 billion), issued shares: 3,082,037,568 as of December 31,2014 and 3,062,098,976 as of December 31, Additional paid-in capital 107, ,193 Retained earnings 118, ,168 Treasury stock, at cost: December 31, ,119,993 shares and December 31, ,856,062 shares (2,929 ) (1,658 ) Accumulated other comprehensive income (loss) (23,216 ) (19,133 ) Total Citigroup stockholders' equity $ 210,534 $ 204,339 Non-controling interest 1,511 1,794 Total equity $ 212,045 $ 206,133 Total liabilities and equity $ 1,842,530 $ 1,880,382 DS??

2 CITIGROUP INC. AND SUBSIDIARIES CORPORATE INFORMATION/GOVERNANCE CITIGROUP EXECUTIVE OFFICERS Each executive officer has held executive or management positions with Citigroup for at least five years, except that: Citigroup s executive officers as of February 25, 2015 are: Name Age Position and office held Francisco Aristeguieta 49 CEO, Latin America Stephen Bird 48 CEO, Asia Pacific Don Callahan 58 Head of Operations and Technology, Chief Operations and Technology Officer Michael L. Corbat 54 Chief Executive Officer James C. Cowles 59 CEO, Europe, Middle East and Africa Barbara Desoer 62 CEO, Citibank, N.A. James A. Forese 52 Co-President; CEO, lnstitutional Clients Group John C. Gerspach 61 Chief Financial Officer Brad Hu 51 Chief Risk Officer Brian Leach 55 Head of Franchise Risk and Strategy Manuel Medina-Mora 64 Co-President; CEO, Global Consumer Banking; Chairman, Mexico William J. Mills 59 CEO, North America Michael Murray 50 Head of Human Resources and Talent Jeffrey R. Walsh 57 Controller and Chief Accounting Officer Rohan Weerasinghe 64 General Counsel and Corporate Secretary = Ms. Desoer joined Citi in April Prior to joining Citi, Ms. Desoer had a 35-year career at Bank of America, where she was President, Bank of America Home Loans, a Global Technology & Operations Executive, and President, Consumer Products, among other roles. = Mr.Weerasinghe joined Citi in June Prior to joining Citi, Mr. Weerasinghe was Senior partner at Shearman & Sterling. Code of Conduct, Code of Ethics Citi has a Code of Conduct that maintains its commitment to the highest standards of conduct. The Code of Conduct is supplemented by a Code of Ethics for Financial Professionals (including accounting controllers, financial reporting operations, financial planning and analysis, treasury, tax, strategy and M&A, investor relations and regional/product finance professionals and administrative staff) that applies worldwide. The Code of Ethics for Financial Professionals applies to Citi s principal executive officer, principal financial officer and principal accounting officer. Amendments and waivers, if any, to the Code of Ethics for Financial Professionals will be disclosed on Citi s website, Both the Code of Conduct and the Code of Ethics for Financial Professionals can be found on the Citi website by clicking on About Us, and then Corporate Governance. Citi s Corporate Governance Guidelines can also be found there, as well as the charters for the Audit Committee, the Ethics and Culture Committee, the Nomination, Governance and Public Affairs Committee, the Personnel and Compensation Committee and the Risk Management Committee of the Board. These materials are also available by writing to Citigroup Inc., Corporate Governance, 601, Lexington Avenue, 19th Floor, New York

3 CONSOLIDATED STATEMENT OF INCOME Years ended 31 December, except per share amounts Revenues Interest revenue $ 61,683 $ 62,970 Interest expense 13,690 16,177 Net interest revenue $ 47,993 $ 46,793 Commissions and fees $ 13,032 $ 12,941 Principal transactions 6,698 7,302 Administration and other fiduciary fees 4,013 4,089 Realized gains on sales of investments, net Other-than-temporary impairment losses on investments Gross Impairment losses (432) (633) Less: Impairments recognized in AOCI 8 98 Net impairments losses recognized in earnings $ (424) $ (535) Insurance premiums $ 2,110 $ 2,395 Other revenue 2,890 2,801 Total non-interest revenues $ 28,889 $ 29,626 Total revenues, net of interest expense $ 76,882 $ 76,419 Provisions for credit losses and for benefits and claims Provision for loan losses $ 6,828 $ 7,604 Policy holder benefits and claims Provision (release) for unfunded lending commitments (162) 80 Total provisions for credit losses and for benefits and claims $ 7,467 $ 8,514 Operating expenses Compensation and benefits $ 23,959 $ 23,967 Premises and equipment 3,178 3,165 Technology/communication 6,436 6,136 Advertising and marketing 1,844 1,888 Other operating 19,634 13,252 Total operating expenses $ 55,051 $ 48,408 Income from continuing operations before income taxes $ 14,364 $ 19,497 Provision for income taxes 6,864 5,867 Income from continuing operations $ 7,500 $ 13,630 Discontinue operations Income (loss) from discontinued operations $ 10 $ (242) Gain (loss) on sale Provision (benefit) for income taxes 12 (244) Income (loss) from discontinued operations, net of taxes $ $ 270 Net income before attribution of non-controlling interests $ 7,498 $ 13,900 Non-controlling interests Citigroup s net income $ 7,313 $ 13,673 Basic earnings per share Income from continuing operations $ 2.21 $ 4.27 Net income $ 2.21 $ 4.35 Weighted average common shares outstanding 3, ,035.8 Diluted earnings per share Income from continuing operations $ 2.20 $ 4.26 Net income $ 2.20 $ 4.35 Adjusted weighted average common shares outstanding 3, ,041.6 Certain prior-period revenue and expense lines and totals were reclassified to conform to the current period s presentation. Due to rounding, earning per share on continuing operations and discontinued operations may not sum to earnings per share on net income.

4 CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS EQUITY Years ended 31 December Preferred stock at aggregate liquidation value Balance, beginning of year $ 6,738 $ 2,562 Issuance of new preferred stock 3,730 4,270 Redemption of preferred stock - (94) Balance, end of period $ 10,468 $ 6,738 Common stock and additional paid-in capital Balance, beginning of year $107,224 $ 106,421 Employee benefit plans Preferred stock issuance expense (31) (78) Issuance of shares and T-DEC for TARP repayment - - Other 19 3 Balance, end of period $108,010 $ 107,224 Retained earnings Adjusted balance, beginning of year $111,168 $ 97,809 Citigroup s net income 7,313 13,673 Common dividends (122) (120) Preferred dividends (511) (194) Tax benefit Other - - Balance, end of period $118,201 $ 111,168 Treasury stock, at cost Balance, beginning of year $ (1,658) $ (847) Employee benefit plans (39) 26 (3) Treasury stock acquired (1,232) (837) Balance, end of period $ (2,929) $ (1,658) Citigroup s accumulated other comprehensive income (loss) Balance, beginning of year $ (19,133) $ (16,896) Citigroup s total other comprehensive income (loss) (4,083) (2,237) Balance, end of period $(23,216) $ (19,133) Total Citigroup common stockholders equity $200,066 $ 197,601 Total Citigroup stockholders equity $210,534 $ 204,339 Non-controlling interest Balance, beginning of year $ 1,794 $ 1,948 Initial origination of a non-controlling interest - 6 Transactions between non-conrolling interest shareholders and the related consolidated subsidiary - Transactions between Citigroup and the non-controlling-interest shareholders (96) (118) Net income attributable to non-controlling-interest shareholders Dividends paid to non-controlling-interest shareholders (91) (63) Other comprehensive income (loss) attributable to non-controlling-interest shareholders (106) (17) Other (175) (187) Net change in non-controlling interests $ (283) $ (154) Balance, end of period $ 1,511 $ 1,794 Total equity $212,045 $ 206,133 Common dividends declared were $0.01 per share in each of the first, second, third and fourth quarters of 2014 and Includes treasury stock related to (i) certain activity on employee stock option programme exercises where the employee delivers existing shares to cover the option exercise, or (ii) under Citi s employee restricted or deferred stock programme where shares are withheld to satisfy tax requirements. (3) For 2014 and 2013, primarily consists of open market purchases under Citi s Board of Directors - approved common stock repurchase programme The consolidated income statement, the consolidated balance sheet and other financial information printed above are extracted from the 2014 Annual Report on Form 10-K.

5 CONSOLIDATED BALANCE SHEET As at 31 December Assets Cash and due from banks (Including segregated cash and other deposits) $ 32,108 $ 29,885 Deposits with banks 128, ,005 Federal funds sold and securities borrowed or purchased under agreements to resell (including $144,191 and $144,083 as of December 31, 2014 and December 31,2013, respectively, at fair value) 242, ,037 Brokerage receivables 28,419 25,674 Trading account assets (including $106,217 and $106,695 pledged to creditors at December 31, 2014 and December 31, 2013, respectively) 296, ,928 Investments: Available for Sale (including $13,808 and $22,258 pledged to creditors as of December 31, 2014 and December 31, 2013, respectively) 300, ,511 Held to Maturity (including $2,974 and $4,730 pledged to creditors as of December 31, 2014 and December 31, 2013, respectively) 23,921 10,599 Non-marketable Equity Securities (including $2,758 and $4,705 at fair value as of December 31, 2014 and December 31, 2013 respectively) 9,379 11,870 Total Investments $ 333,443 $ 308,980 Loans: Consumer (including $43 and $957 as of December 31, 2014 and December 31,2013, respectively, at fair value) 369, ,831 Corporate (including $5,858 and $4,072 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 274, ,641 Loans, net unearned income $ 644,635 $ 665,472 Allowance for loan losses (15,994 ) (19,648 ) Total loans, net $ 628,641 $ 645,824 Goodwill 23,592 25,009 Intangible assets (other than MSRs) 4,566 5,056 Mortgage servicing rights (MSRs) 1,845 2,718 Other assets (including $7,762 and $7,123 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 122, ,266 Total assets $ 1,842,530 $ 1,880,382 Liabilities Non-interest-bearing deposits in U.S. offices $ 128,958 $ 128,399 Interest-bearing deposits in U.S. offices (including $994 and $988 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 284, ,164 Non-interest-bearing deposits in offices outside the U.S. 70,925 69,406 Interest-bearing deposits in offices outside the U.S. (including $690 and $689 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 414, ,304 Total deposits $ 899,332 $ 968,273 Federal funds purchased and securities loaned or sold under agreements to repurchase (including $36,725 and $54,147 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 173, ,512 Brokerage payables 52,180 53,707 Trading account liabilities 139, ,762 Short-term borrowings (including $1,496 and $3,692 as 0f December 31, 2014 and December 31, 2013, respectively, at fair value) 58,335 58,944 Long-term debt (including $26,180 and $26,877 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 223, ,116 Other liabilities (including $1,776 and $2,011 as of December 31, 2014 and December 31, 2013, respectively, at fair value) 85,084 59,935 Total liabilities $ 1,630,485 $ 1,674,249 Stockholders' equity Preferred stock ($1.00 par value; authorized shares: 30 milli0n), issued shares: 418,720 as of December 31, 2014 and 269,520 as 0f December 31, 2013, at aggregate liquidation value $ 10,468 $ 6,738 Common stock ($0.01 par value; authorized shares: 6 billion), issued shares: 3,082,037,568 as of December 31,2014 and 3,062,098,976 as of December 31, Additional paid-in capital 107, ,193 Retained earnings 118, ,168 Treasury stock, at cost: December 31, ,119,993 shares and December 31, ,856,062 shares (2,929 ) (1,658 ) Accumulated other comprehensive income (loss) (23,216 ) (19,133 ) Total Citigroup stockholders' equity $ 210,534 $ 204,339 Non-controling interest 1,511 1,794 Total equity $ 212,045 $ 206,133 Total liabilities and equity $ 1,842,530 $ 1,880,382

6 CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME Net income before attribution of non-controllinq interests $ 7,498 $ 13,900 Citigroup's other comprehensive income (loss) Net change in unrealized gains and losses on investment securities, net of taxes $ 1,697 $ (2,237) Net change in cash flow hedges, net of taxes 336 1,048 Benefit plans liability adjustment, net of taxes (1,170 ) 1,281 Net change In foreign currency translation adjustment, net of taxes and hedges (4,946 ) (2,329) Citiqroup's total other comprehensive income(loss) $ (4,083 ) $ (2,237) Other comprehensive income (loss) attributable to non-conlrolling interests Net change in unrealized gains and losses on investment securities, net 0f taxes $ 6 $ (27) Net change in foreign currency translation adjustment, net of taxes (112 ) 10 Total other comprehensive income (loss) attributable to non-controlling interests $ (106 ) $ (17) Total comprehensive income before attribution of non-controlling interests $ 3,309 $ 11,646 Total net income attributable to non-controllinq interests Citigroup's comprehensive income $ 3,124 $ 11,419 Reflects adjustments based on the actuarial valuations of the Company's significant pension and post retirement plans, including changes in the mortality assumptions at December 31, 2014, and amortization of amounts previously recognized in Accumulated other comprehensive income (loss).

7 CITIGROUP FINANCIAL SUMMARY In billions of dollars, except per-share amounts, ratios and direct staff Citicorp Net Revenues $ 71.1 $ 71.9 Citi Holdings Net Revenues Citigroup Net Revenues $ 76.9 $ 76.4 Citicorp Net Income Citi Holdings Net Loss (3.4 ) (1.9) Citigroup Net Income $ 7.3 $ 13.7 Diluted EPS - Net Income Diluted EPS - Income f rom Continuing Operations Citicorp Assets 1,745 1,763 Citi Holdings Assets Citigroup Assets $ 1843 $ 1880 Deposits Citigroup Stockholders' Equity Basel lll Common Equity Tier 1 Capital Ratio 10.6% 10.6% Basel lll Tier 1 Capital Ratio 11.5% 11.2% Basel lll Total Capital Ratio 12.8% 12.6% Estimated Basel lll Supplementary Leverage Ratio 5.9% 5.4% Book Value per Share $ $ Common Shares Outstanding (millions) 3, ,029.2 Market Capitalization $ 164 $ 158 Direct Staff (thousands) Totals may not sum due to rounding