4.  BUSINESS SEGMENTS Citigroup is a diversified bank holding company whose businesses provide a broad range of financial services to Consumer and Corporate customers around the world.
The Company’s activities are conducted through the Regional Consumer Banking, Institutional Clients Group (ICG), Citi Holdings and Corporate/Other business segments.
The Regional Consumer Banking segment includes a global, fullservice Consumer franchise delivering a wide array of banking, credit card lending, and investment services through a network of local branches, offices and electronic delivery systems The Company’s ICG segment is composed of Securities and Banking and Transaction Services and provides corporations, governments, institutions and investors in approximately 100 countries with a broad range of banking and financial products and services.
The Citi Holdings segment is composed of the Brokerage and Asset Management, Local Consumer Lending and Special Asset Pool.
Corporate/Other includes net treasury results, unallocated corporate expenses, offsets to certain line-item reclassifications (eliminations), the results of discontinued operations and unallocated taxes.
The accounting policies of these reportable segments are the same as those disclosed in Note 1 to the Consolidated Financial Statements.
The following table presents certain information regarding the Company’s continuing operations by segment:
## Table 0 ##
(1) Includes Citicorp total revenues, net of interest expense, in North America of $26.7 billion, $19.9 billion and $21.6 billion; in EMEA of $11.7 billion, $15.0 billion and $11.5 billion; in Latin America of $12.8 billion, $12.7 billion and $13.3 billion; and in Asia of $14.4 billion, $14.1 billion and $15.7 billion in 2010, 2009 and 2008, respectively.
Regional numbers exclude Citi Holdings and Corporate/Other, which largely operate within the U. S.  (2) Includes pretax provisions (credits) for credit losses and for benefits and claims in the Regional Consumer Banking results of $9.8 billion, $7.4 billion and $6.3 billion; in the ICG results of $(84) million, $1.8 billion and $2.0 billion; and in the Citi Holdings results of $16.3 billion, $31.1 billion and $26.3 billion for 2010, 2009 and 2008, respectively.
(3) Corporate/Other reflects the restructuring charge, net of changes in estimates of $1.5 billion for 2008.
Of the total charge, $890 million is attributable to Citicorp; $267 million to Citi Holdings; and $373 million to Corporate/Other.
Secured financing is primarily conducted through Citi’s broker-dealer subsidiaries to facilitate customer matched-book activity and to efficiently fund a portion of the trading inventory.
Secured financing appears as a liability on Citi’s Consolidated Balance Sheet (“Securities Loaned or Sold Under Agreements to Repurchase”).
As of December 31, 2010, secured financing was $189.6 billion and averaged approximately $207 billion during the quarter ended December 31, 2010.
Secured financing at December31, 2010 increased by $35 billion from $154.3 billion at December31, 2009.
During the same period, reverse repos and securities borrowing increased by $25 billion.
The majority of secured financing is collateralized by highly liquid government, government-backed and government agency securities.
This collateral comes primarily from Citi’s trading assets and its secured lending, and is part of Citi’s client matched-book activity given that Citi both borrows and lends similar asset types on a secured basis.
The minority of secured financing is collateralized by less liquid collateral, and supports both Citi’s trading assets as well as the business of secured lending to customers, which is also part of Citi’s client matched-book activity.
The less liquid secured borrowing is carefully calibrated by asset quality, tenor and counterparty exposure, including those that might be sensitive to ratings stresses, in order to increase the reliability of the funding.
Citi believes there are several potential mitigants available to it in the event of stress on the secured financing markets for less liquid collateral.
Citi’s significant liquidity resources in its non-bank entities as of December 31, 2010, supplemented by collateralized liquidity transfers between entities, provide a cushion.
Within the matched-book activity, the secured lending positions, which are carefully managed in terms of collateral and tenor, could be unwound to provide additional liquidity under stress.
Citi also has excess funding capacity for less liquid collateral with existing counterparties that can be accessed during potential dislocation.
In addition, Citi has the ability to adjust the size of select trading books to provide further mitigation.
At December 31, 2010, commercial paper outstanding for Citigroup’s nonbank entities and bank subsidiaries, respectively, was as follows:
## Table 1 ##
Other short-term borrowings of approximately $54 billion (as set forth in the Secured Financing and Short-Term Borrowings table above) include $42.4 billion of borrowings from banks and other market participants, which includes borrowings from the Federal Home Loan Banks.
This represented a decrease of approximately $11 billion as compared to year-end 2009.
The average balance of borrowings from banks and other market participants for the quarter ended December 31, 2010 was approximately $43 billion.
Other short-term borrowings also include $11.7 billion of broker borrowings at December 31, 2010, which averaged approximately $13 billion for the quarter ended December 31, 2010.
See Notes 12 and 19 to the Consolidated Financial Statements for further information on Citigroup’s and its affiliates’ outstanding long-term debt and short-term borrowings.
Liquidity Transfer Between Entities Liquidity is generally transferable within the non-bank, subject to regulatory restrictions (if any) and standard legal terms.
Similarly, the non-bank can generally transfer excess liquidity into Citi’s bank subsidiaries, such as Citibank, N. A.
In addition, Citigroup’s bank subsidiaries, including Citibank, N. A. , can lend to the Citigroup parent and broker-dealer in accordance with Section 23A of the Federal Reserve Act.
As of December 31, 2010, the amount available for lending under Section 23A was approximately $26.6 billion, provided the funds are collateralized appropriately
Information Systems and Technology supplies network-modernization and IT infrastructure services to U. S.  government customers, commercial wireless network providers and federal, state and local public safety agencies.
We work closely with our customers to ensure these network infrastructures are secure, efficient, scalable and costeffective.
We are currently providing full enterprise support in the relocation of the Department of Homeland Security’s headquarters to the St.  Elizabeths campus in Washington, D. C. , including establishing a state-of-the-art IT infrastructure.
The group is also a leading provider of IT solutions in the fastgrowing market for government and commercial healthcare technology modernization.
Our offerings include data management, analytics, fraud prevention and detection software, decision support, process automation solutions and program management solutions for deployed IT military health systems.
For the Centers for Medicare & Medicaid Services, we are supporting the government’s implementation of healthcare reform and medical benefits programs by delivering an automated Medicare claim adjudication system that efficiently manages the large volume of medical and healthcare claims.
We also provide critical citizen services, including support for Medicare claims, contact center services, and student loan processing and administration for the Department of Education.
Intelligence, surveillance and reconnaissance systems – We provide mission systems development, integration and operations support to customers in the U. S.  defense, intelligence and homeland security communities, and to U. S.  allies.
These offerings include: ?
cyber security services and products; ?
open-architecture mission systems; ?
signals and information collection, processing and distribution systems; ?
imagery solutions, sensors and cameras; and ?
special-purpose computing.
Information Systems and Technology’s experience in securing and protecting government organizations from network attacks has resulted in a market-leading position in cyber security.
The group offers a range of cyber security services and products that help government and commercial customers protect their networks and prevent data breaches by providing real-time network visibility.
For example, we are a principal support contractor for the Department of Homeland Security’s U. S.  Computer Emergency Readiness Team, which provides defense against and response to cyber attacks for U. S.  executive branch agencies.
We also leverage our expertise to provide investigative, forensic and network remediation services to commercial victims of cyber attacks, including retail and financial services firms.
Information Systems and Technology has a 50-year legacy of providing advanced fire control systems for Navy submarine programs and is developing and integrating commercial off-the-shelf software and hardware upgrades to improve the tactical control capabilities for several submarine classes.
This initiative leads the implementation of the Navy’s open-architecture approach on submarines with a design that emphasizes shared standards, providing greater interoperability, scalability and supplier independence.
Capitalizing on this expertise and open-architecture approach, we developed the combat and seaframe control systems and are the lead systems integrator for the Navy’s Independence-class Littoral Combat Ship (LCS).
We are also designing, integrating and testing the electronic systems for the Navy’s 10-ship Joint High Speed Vessel program.
The group’s three principal markets continue to be driven by the expanding needs of our diverse customer base, including improved mobile communications and real-time intelligence, IT network and business system consolidation and modernization, cyber security services and emergency response systems and services.
Revenues for the Information Systems and Technology group were 36 percent of our consolidated revenues in 2010, 34 percent in 2011 and 32 percent in 2012.
Revenues by major products and services were as follows:
## Table 2 ##
CUSTOMERS In 2012, 66 percent of our revenues were from the U. S.  government, 13 percent were from U. S.  commercial customers, 8 percent were from international defense customers, and the remaining 13 percent were from international commercial customers.
U. S.  GOVERNMENT Our primary customers are the U. S.  Department of Defense (DoD) and intelligence community.
We also contract with other U. S.  government customers, including the Department of Homeland Security, Department of Health and Human Services, Centers for Medicare & Medicaid Services and several first-responder agencies.

<table><tr><td></td><td colspan="3">Revenues, net of interest expense-1</td><td colspan="3">Provision (benefit) for income taxes</td><td colspan="3">Income (loss) from continuing operations(1)(2)(3)</td><td colspan="2">Identifiable assets at year end</td></tr><tr><td>In millions of dollars, except</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>identifiable assets in billions</td><td>2010</td><td>2009</td><td>2008</td><td>2010</td><td>2009</td><td>2008</td><td>2010</td><td>2009</td><td>2008</td><td>2010</td><td>2009</td></tr><tr><td>Regional Consumer Banking</td><td>$32,442</td><td>$24,814</td><td>$27,421</td><td>$1,396</td><td>$-98</td><td>$235</td><td>$4,767</td><td>$2,478</td><td>$-2,767</td><td>$330</td><td>$256</td></tr><tr><td>Institutional Clients Group</td><td>33,118</td><td>36,898</td><td>34,674</td><td>3,544</td><td>4,599</td><td>2,209</td><td>10,253</td><td>12,921</td><td>9,419</td><td>953</td><td>882</td></tr><tr><td>Subtotal Citicorp</td><td>$65,560</td><td>$61,712</td><td>$62,095</td><td>$4,940</td><td>$4,501</td><td>$2,444</td><td>$15,020</td><td>$15,399</td><td>$6,652</td><td>$1,283</td><td>$1,138</td></tr><tr><td>Citi Holdings</td><td>19,287</td><td>29,128</td><td>-8,238</td><td>-2,554</td><td>-6,878</td><td>-22,185</td><td>-4,023</td><td>-8,848</td><td>-36,497</td><td>359</td><td>487</td></tr><tr><td>Corporate/Other</td><td>1,754</td><td>-10,555</td><td>-2,258</td><td>-153</td><td>-4,356</td><td>-585</td><td>-46</td><td>-7,617</td><td>-2,184</td><td>272</td><td>232</td></tr><tr><td>Total</td><td>$86,601</td><td>$80,285</td><td>$51,599</td><td>$2,233</td><td>$-6,733</td><td>$-20,326</td><td>$10,951</td><td>$-1,066</td><td>$-32,029</td><td>$1,914</td><td>$1,857</td></tr></table>
<table><tr><td>In billions of dollars</td><td>Non-bank</td><td>Bank</td><td>-1</td><td>Total Citigroup</td></tr><tr><td>Commercial paper</td><td>$9.7</td><td>$15.0</td><td></td><td>$24.7</td></tr></table>
<table><tr><td>Year Ended December 31</td><td>2010</td><td>2011</td><td>2012</td></tr><tr><td>Mobile communication systems</td><td>$5,134</td><td>$4,511</td><td>$3,425</td></tr><tr><td>IT solutions and mission support services</td><td>4,262</td><td>4,601</td><td>4,545</td></tr><tr><td>Intelligence, surveillance and reconnaissance systems</td><td>2,216</td><td>2,109</td><td>2,047</td></tr><tr><td>Total Information Systems and Technology</td><td>$11,612</td><td>$11,221</td><td>$10,017</td></tr></table>

Question: What is the percentage of Regional Consumer Banking of Revenues, net of interest expense in relation to the total in 2010?