Funding & Liquidity Overview

Citigroup's banking and financial services lines cross many different product lines, legal entities, and geographies. As a result, Citigroup raises funding and capital from a multitude of sources globally through capital markets activities, institutional and retail customer relationships, and secured financing.

The primary objectives of Citigroup's funding and capital raising activities are to support the execution of our business strategies while ensuring:

• Sufficient sources of funding and capital to support business objectives and future growth plans and
• Liquidity across market cycles, and through periods of financial stress

Funding

The primary objective of Citigroup's funding activities is to support business activities through the most efficient methods while ensuring that appropriate regulatory and management guidelines are observed.

For a brief overview of how Citigroup funds its various businesses, please click on the image to the right.

For a more thorough description of our funding, please see the section titled Funding as provided in our annual form 10-K and quarterly 10-Q SEC filings

Liquidity

Management of liquidity at Citigroup is the responsibility of Corporate Treasury. A uniform liquidity risk management policy exists for Citigroup and its major operating subsidiaries. Under this policy, there is a single set of standards for the measurement of liquidity risk in order to ensure consistency across businesses, stability in methodologies and transparency of risk. Management of liquidity at each operating subsidiary and/or country is performed on a daily basis and is monitored by Corporate Treasury.

For an overview of our liquidity management process, please click on the image to the right.

For a more thorough description of our liquidity management, please see the section titled Liquidity as provided in our annual form 10-K and quarterly 10-Q SEC filings.