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Business Description
Citigroup Inc. is a financial services holding company that conducts its activities through the Global Consumer, Global Corporate and Investment Bank (GCIB), Private Client Services, Global Investment Management (GIM) and Proprietary Investment Activities segments. Global Consumer includes a global, full-service consumer franchise delivering banking, lending, insurance and investment services through a network of branches, offices and electronic delivery systems. The businesses included in the GCIB segment provide a range of banking and financial products and services. Private Client Services provides investment advice, financial planning and brokerage services to affluent individuals, small and mid-size companies, non-profits and large corporations. GIM offers life insurance, annuity, asset management and personalized wealth management products and services. The Proprietary Investment Activities segment includes the Company's venture capital activities and other investments.

Financial Information
For the six months ended 6/04, total interest income rose 13% to $31.99 billion. Net interest income after LLP rose 24% to $18.70 billion. Net income applicable to Comm. fell 24% to $6.38 billion. Net interest income reflect increased loan interest and fees received and lower provision for credit losses. Earnings were offset by higher other operating cost.