CITIGROUP INC
10-Q, EX-27.01, 2000-11-13
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM CITIGROUP'S FORM 10-Q FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2000
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS AND ACCOMPANYING DISCLOSURES.
</LEGEND>
<CIK>                           0000831001
<NAME>                      CITIGROUP 2000
<MULTIPLIER>                     1,000,000

<S>                                         <C>
<PERIOD-TYPE>                               9-MOS
<FISCAL-YEAR-END>                           DEC-31-2000
<PERIOD-START>                              JAN-01-2000
<PERIOD-END>                                SEP-30-2000
<CASH>                                           11,740
<INT-BEARING-DEPOSITS>                           16,621
<FED-FUNDS-SOLD>                                122,664<F1>
<TRADING-ASSETS>                                122,452
<INVESTMENTS-HELD-FOR-SALE>                     109,610
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                         287,357
<ALLOWANCE>                                       6,679<F2>
<TOTAL-ASSETS>                                  804,286
<DEPOSITS>                                      293,251
<SHORT-TERM>                                     19,485<F3>
<LIABILITIES-OTHER>                              40,359
<LONG-TERM>                                      58,801
                             4,920
                                       1,775
<COMMON>                                             48<F4>
<OTHER-SE>                                       51,818<F4>
<TOTAL-LIABILITIES-AND-EQUITY>                  804,286
<INTEREST-LOAN>                                  19,636
<INTEREST-INVEST>                                     0<F5>
<INTEREST-OTHER>                                 19,526
<INTEREST-TOTAL>                                 39,162
<INTEREST-DEPOSIT>                                    0<F5>
<INTEREST-EXPENSE>                               23,252
<INTEREST-INCOME-NET>                            15,910
<LOAN-LOSSES>                                     2,095
<SECURITIES-GAINS>                                  618
<EXPENSE-OTHER>                                   9,907
<INCOME-PRETAX>                                  15,152
<INCOME-PRE-EXTRAORDINARY>                        9,683
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      9,683
<EPS-BASIC>                                        2.16<F4>
<EPS-DILUTED>                                      2.09<F4>
<YIELD-ACTUAL>                                        0<F5>
<LOANS-NON>                                       3,778<F6>
<LOANS-PAST>                                      1,183<F7>
<LOANS-TROUBLED>                                     22
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  6,679
<CHARGE-OFFS>                                     2,684
<RECOVERIES>                                        553
<ALLOWANCE-CLOSE>                                 6,679<F2>
<ALLOWANCE-DOMESTIC>                                  0<F8>
<ALLOWANCE-FOREIGN>                                   0<F8>
<ALLOWANCE-UNALLOCATED>                               0<F8>

<FN>
<F1>
Includes securities borrowed or purchased under agreements to resell.
<F2>
Allowance activity for the first three-quarters of 2000 includes $36MM in other
changes, principally foreign currency translation effects and the addition of
allowance for credit losses related to acquisitions.
<F3>
Commercial paper and other short-term borrowings.
<F4>
The Board of Directors on July 18, 2000 declared a four-for-three split in
Citigroup's common stock, effective August 25, 2000. Earnings per share
information has been restated to reflect the stock split.
<F5>
Not disclosed.
<F6>
Includes $1,682MM of cash-basis commercial loans and $2,096MM of consumer loans
on which accrual of interest has been suspended.
<F7>
Accruing loans 90 or more days delinquent.
<F8>
No portion of Citigroup's credit loss allowance is specifically allocated to any
individual loan or group of loans.
</FN>



</TABLE>


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