CGMHI also has substantial borrowing arrangements consisting of facilities that CGMHI has been advised are available, but where no contractual lending obligation exists.
These arrangements are reviewed on an ongoing basis to ensure flexibility in meeting CGMHI’s short-term requirements.
The Company issues both fixed and variable rate debt in a range of currencies.
It uses derivative contracts, primarily interest rate swaps, to effectively convert a portion of its fixed rate debt to variable rate debt and variable rate debt to fixed rate debt.
The maturity structure of the derivatives generally corresponds to the maturity structure of the debt being hedged.
In addition, the Company uses other derivative contracts to manage the foreign exchange impact of certain debt issuances.
At December31, 2009, the Company’s overall weighted average interest rate for long-term debt was 3.51% on a contractual basis and 3.91% including the effects of derivative contracts.
Aggregate annual maturities of long-term debt obligations (based on final maturity dates) including trust preferred securities are as follows:
## Table 0 ##
Long-term debt at December31, 2009 and December31, 2008 includes $19,345 million and $24,060 million, respectively, of junior subordinated debt.
The Company formed statutory business trusts under the laws of the state of Delaware.
The trusts exist for the exclusive purposes of (i) issuing trust securities representing undivided beneficial interests in the assets of the Trust; (ii) investing the gross proceeds of the trust securities in junior subordinated deferrable interest debentures (subordinated debentures) of its parent; and (iii) engaging in only those activities necessary or incidental thereto.
Upon approval from the Federal Reserve, Citigroup has the right to redeem these securities.
Citigroup has contractually agreed not to redeem or purchase (i) the 6.50% Enhanced Trust Preferred securities of Citigroup Capital XV before September15, 2056, (ii) the 6.45% Enhanced Trust Preferred securities of Citigroup Capital XVI before December31, 2046, (iii) the 6.35% Enhanced Trust Preferred securities of Citigroup Capital XVII before March 15, 2057, (iv) the 6.829% Fixed Rate/Floating Rate Enhanced Trust Preferred securities of Citigroup Capital XVIII before June28, 2047, (v) the 7.250% Enhanced Trust Preferred securities of Citigroup Capital XIX before August15, 2047, (vi) the 7.875% Enhanced Trust Preferred securities of Citigroup Capital XX before December15, 2067, and (vii) the 8.300% Fixed Rate/Floating Rate Enhanced Trust Preferred securities of Citigroup Capital XXI before December21, 2067, unless certain conditions, described in Exhibit4.03 to Citigroup’s Current Report on Form 8-K filed on September18, 2006, in Exhibit4.02 to Citigroup’s Current Report on Form 8-K filed on November28, 2006, in Exhibit4.02 to Citigroup’s Current Report on Form 8-K filed on March 8, 2007, in Exhibit4.02 to Citigroup’s Current Report on Form 8-K filed on July2, 2007, in Exhibit4.02 to Citigroup’s Current Report on Form 8-K filed on August17, 2007, in Exhibit4.2 to Citigroup’s Current Report on Form 8-K filed on November27, 2007, and in Exhibit4.2 to Citigroup’s Current Report on Form 8-K filed on December21, 2007, respectively, are met.
These agreements are for the benefit of the holders of Citigroup’s 6.00% junior subordinated deferrable interest debentures due 2034.
Citigroup owns all of the voting securities of these subsidiary trusts.
These subsidiary trusts have no assets, operations, revenues or cash flows other than those related to the issuance, administration, and repayment of the subsidiary trusts and the subsidiary trusts’ common securities.
These subsidiary trusts’ obligations are fully and unconditionally guaranteed by Citigroup
Certain mortgage loans Citigroup has elected the fair value option for certain purchased and originated prime fixed-rate and conforming adjustable-rate first mortgage loans held-for-sale.
These loans are intended for sale or securitization and are hedged with derivative instruments.
The Company has elected the fair value option to mitigate accounting mismatches in cases where hedge accounting is complex and to achieve operational simplifications.
The fair value option was not elected for loans held-for-investment, as those loans are not hedged with derivative instruments.
The following table provides information about certain mortgage loans carried at fair value:
## Table 1 ##
The changes in fair values of these mortgage loans are reported in Other revenue in the Company’s Consolidated Statement of Income.
The changes in fair value during the years ended December 31, 2009 and 2008 due to instrument-specific credit risk resulted in a $10 million loss and $32 million loss, respectively.
Related interest income continues to be measured based on the contractual interest rates and reported as such in the Consolidated Statement of Income.
Mortgage servicing rights The Company accounts for mortgage servicing rights (MSRs) at fair value.
Fair value for MSRs is determined using an option-adjusted spread valuation approach.
This approach consists of projecting servicing cash flows under multiple interest-rate scenarios and discounting these cash flows using risk-adjusted rates.
The model assumptions used in the valuation of MSRs include mortgage prepayment speeds and discount rates.
The fair value of MSRs is primarily affected by changes in prepayments that result from shifts in mortgage interest rates.
In managing this risk, the Company hedges a significant portion of the values of its MSRs through the use of interest-rate derivative contracts, forward-purchase commitments of mortgage-backed securities, and purchased securities classified as trading.
See Note 23 to the Consolidated Financial Statements for further discussions regarding the accounting and reporting of MSRs.
These MSRs, which totaled $6.5 billion and $5.7 billion as of December31, 2009 and 2008, respectively, are classified as Mortgage servicing rights on Citigroup’s Consolidated Balance Sheet.
Changes in fair value of MSRs are recorded in Commissions and fees in the Company’s Consolidated Statement of Income.
Certain structured liabilities The Company has elected the fair value option for certain structured liabilities whose performance is linked to structured interest rates, inflation or currency risks (“structured liabilities”).
The Company elected the fair value option, because these exposures are considered to be trading-related positions and, therefore, are managed on a fair value basis.
These positions will continue to be classified as debt, deposits or derivatives (Trading account liabilities) on the Company’s Consolidated Balance Sheet according to their legal form.
For those structured liabilities classified as Long-term debt for which the fair value option has been elected, the aggregate unpaid principal balance exceeded the aggregate fair value by $125 million and $671 million as of December 31, 2009 and 2008, respectively.
The change in fair value for these structured liabilities is reported in Principal transactions in the Company’s Consolidated Statement of Income.
Related interest expense is measured based on the contractual interest rates and reported as such in the Consolidated Income Statement.
Certain non-structured liabilities The Company has elected the fair value option for certain non-structured liabilities with fixed and floating interest rates (“non-structured liabilities”).
The Company has elected the fair value option where the interest-rate risk of such liabilities is economically hedged with derivative contracts or the proceeds are used to purchase financial assets that will also be accounted for at fair value through earnings.
The election has been made to mitigate accounting mismatches and to achieve operational simplifications.
These positions are reported in Short-term borrowings and Long-term debt on the Company’s Consolidated Balance Sheet.
For those non-structured liabilities classified as Short-term borrowings for which the fair value option has been elected, the aggregate unpaid principal balance exceeded the aggregate fair value of such instruments by $220 million as of December31, 2008.
For non-structured liabilities classified as Long-term debt for which the fair value option has been elected, the aggregate unpaid principal balance exceeded the aggregate fair value by $1,542 million and $856 million as of December31, 2009 and 2008, respectively.
The change in fair value for these non-structured liabilities is reported in Principal transactions in the Company’s Consolidated Statement of Income.
Related interest expense continues to be measured based on the contractual interest rates and reported as such in the Consolidated Income Statement.
CITICORP Citicorp is the company’s global bank for consumers and businesses and represents Citi’s core franchise.
Citicorp is focused on providing best-in-class products and services to customers and leveraging Citigroup’s unparalleled global network.
Citicorp is physically present in nearly 100 countries, many for over 100 years, and offers services in over 140 countries.
Citi believes this global network provides a strong foundation for servicing the broad financial services needs of large multinational clients and for meeting the needs of retail, private banking and commercial customers around the world.
Citigroup’s global footprint provides coverage of the world’s emerging economies, which the company believes represents a strong area of growth.
As discussed in the “Executive Summary,” Citicorp remained profitable in 2008 and 2009, despite very difficult market conditions.
At December 31, 2009, Citicorp had approximately $1.1 trillion of assets and $731billion of deposits, representing approximately 60% of Citi’s total assets and approximately 90% of its deposits.
Citicorp consists of the following businesses: Regional Consumer Banking (which includes retail banking and Citi-branded cards in four regions—North America, EMEA, Latin America and Asia) and Institutional Clients Group (which includes Securities and Banking and Transaction Services).
## Table 2 ##
Consumer Loan Modification Programs Citigroup has instituted a variety of modification programs to assist borrowers with financial difficulties.
These programs include modifying the original loan terms, reducing interest rates, extending the remaining loan duration and/or waiving a portion of the remaining principal balance.
Citi’s programs consist of the U. S.  Treasury’s Home Affordable Modification Program (HAMP), as well as short-term forbearance and long-term modification programs, each summarized below.
HAMP.
The HAMP is designed to reduce monthly mortgage payments to a 31% housing debt ratio by lowering the interest rate, extending the term of the loan and forbearing principal of certain eligible borrowers who have defaulted on their mortgages or who are at risk of imminent default due to economic hardship.
In order to be entitled to loan modifications, borrowers must complete a three- to five-month trial period, make the agreed payments and provide the required documentation.
Effective June 1, 2010, documentation must be provided prior to beginning the trial period, whereas prior to that date, it was required to be provided before the end of the trial period.
This change generally means that Citi will be able to verify income up front for potential HAMP participants before they begin making lower monthly payments.
We believe this change will limit the number of borrowers who ultimately fall out from the trials and potentially mitigate the impact of HAMP trial participants on early bucket delinquency data.
During the trial period, Citi requires that the original terms of the loans remain in effect pending completion of the modification.
As of December 31, 2009, approximately $7.1 billion of first mortgages were enrolled in the HAMP trial period, while $300 million have successfully completed the trial period.
Upon completion of the trial period, the terms of the loan are contractually modified, and it is accounted for as a “troubled debt restructuring” (see “Long-Term Programs” below).
For additional information on HAMP, see “U.
S.  Consumer Lending— Mortgage Lending” below.
Short-term programs.
Citigroup has also instituted interest rate reduction programs (primarily in the United States) to assist borrowers experiencing temporary hardships.
These programs include short-term (12 months or less) interest rate reductions and deferrals of past due payments.
The loan volume under these short-term programs increased significantly during 2009, and loan loss reserves for these loans have been enhanced, giving consideration to the higher risk associated with those borrowers and reflecting the estimated future credit losses for those loans.
See Note 1 to the Consolidated Financial Statements for a further discussion of the allowance for loan losses for such modified loans.
The following table presents the amounts of gross loans modified under short-term interest rate reduction programs in the U. S.  as of December 31, 2009:
## Table 3 ##
Long-term programs.
Long-term modification programs, or “troubled debt restructurings” (TDRs), occur when the terms of a loan have been modified due to the borrowers’ financial difficulties and a long-term concession has been granted to the borrower.
Substantially all programs in place provide permanent interest rate reductions.
Valuation allowances for TDRs are determined by comparing estimated cash flows of the loans discounted at the loans’ original contractual interest rates to the carrying value of the loans.
See Note 1 to the Consolidated Financial Statements for a further discussion of the allowance for loan losses for such modified loans.
The following table presents the amounts of gross loans related to these TDRs as of December 31, 2009 and 2008:

Tables referenced above, in order (Table 0 first):
<table><tr><td>In millions of dollars</td><td>2010</td><td>2011</td><td>2012</td><td>2013</td><td>2014</td><td>Thereafter</td></tr><tr><td>Citigroup parent company</td><td>$18,030</td><td>$20,435</td><td>$29,706</td><td>$17,775</td><td>$18,916</td><td>$92,942</td></tr><tr><td>Other Citigroup subsidiaries</td><td>18,710</td><td>29,316</td><td>17,214</td><td>5,177</td><td>12,202</td><td>14,675</td></tr><tr><td>Citigroup Global Markets Holdings Inc.</td><td>1,315</td><td>1,030</td><td>1,686</td><td>388</td><td>522</td><td>8,481</td></tr><tr><td>Citigroup Funding Inc.</td><td>9,107</td><td>8,875</td><td>20,738</td><td>4,792</td><td>3,255</td><td>8,732</td></tr><tr><td>Total</td><td>$47,162</td><td>$59,656</td><td>$69,344</td><td>$28,132</td><td>$34,895</td><td>$124,830</td></tr></table>
<table><tr><td>In millions of dollars</td><td>December 31, 2009</td><td>December 31, 2008</td></tr><tr><td>Carrying amount reported on the Consolidated Balance Sheet</td><td>$3,338</td><td>$4,273</td></tr><tr><td>Aggregate fair value in excess of unpaid principalbalance</td><td>55</td><td>138</td></tr><tr><td>Balance of non-accrual loans or loans more than 90 days past due</td><td>4</td><td>9</td></tr><tr><td>Aggregate unpaid principal balance in excess of fair value for non-accrualloans or loans more than 90 days past due</td><td>3</td><td>2</td></tr></table>
<table><tr><td>In millions of dollars</td><td>2009</td><td>2008</td><td>2007</td><td>% Change 2009 vs. 2008</td><td>% Change 2008 vs. 2007</td></tr><tr><td>Net interest revenue</td><td>$33,263</td><td>$33,970</td><td>$25,600</td><td>-2%</td><td>33%</td></tr><tr><td>Non-interest revenue</td><td>26,943</td><td>26,585</td><td>34,497</td><td>1</td><td>-23</td></tr><tr><td>Total revenues, net of interest expense</td><td>$60,206</td><td>$60,555</td><td>$60,097</td><td>-1%</td><td>1%</td></tr><tr><td>Provisions for credit losses and for benefits and claims</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net credit losses</td><td>$6,079</td><td>$4,941</td><td>$2,700</td><td>23%</td><td>83%</td></tr><tr><td>Credit reserve build</td><td>2,562</td><td>3,219</td><td>1,069</td><td>-20</td><td>NM</td></tr><tr><td>Provision for loan losses</td><td>$8,641</td><td>$8,160</td><td>$3,769</td><td>6%</td><td>NM</td></tr><tr><td>Provision for benefits and claims</td><td>48</td><td>6</td><td>16</td><td>NM</td><td>-63%</td></tr><tr><td>Provision for unfunded lending commitments</td><td>138</td><td>-191</td><td>79</td><td>NM</td><td>NM</td></tr><tr><td>Total provisions for credit losses and for benefits and claims</td><td>$8,827</td><td>$7,975</td><td>$3,864</td><td>11%</td><td>NM</td></tr><tr><td>Total operating expenses</td><td>$31,725</td><td>$43,533</td><td>$36,437</td><td>-27%</td><td>19%</td></tr><tr><td>Income from continuing operations before taxes</td><td>$19,654</td><td>$9,047</td><td>$19,796</td><td>NM</td><td>-54%</td></tr><tr><td>Provisions for income taxes</td><td>4,875</td><td>2,882</td><td>5,238</td><td>69%</td><td>-45</td></tr><tr><td>Income from continuing operations</td><td>$14,779</td><td>$6,165</td><td>$14,558</td><td>NM</td><td>-58%</td></tr><tr><td>Net income attributable to noncontrolling interests</td><td>68</td><td>29</td><td>63</td><td>NM</td><td>-54</td></tr><tr><td>Citicorp’s net income</td><td>$14,711</td><td>$6,136</td><td>$14,495</td><td>NM</td><td>-58%</td></tr><tr><td>Balance sheet data(in billions of dollars)</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Total EOP assets</td><td>$1,079</td><td>$1,002</td><td>$1,222</td><td>8%</td><td>-18%</td></tr><tr><td>Average assets</td><td>$1,035</td><td>$1,256</td><td>$1,353</td><td>-18%</td><td>-7%</td></tr><tr><td>Total EOP deposits</td><td>$731</td><td>$673</td><td>$733</td><td>9%</td><td>-8%</td></tr></table>
<table><tr><td>In millions of dollars</td><td>December 31, 2009 Accrual</td><td>Non-accrual</td></tr><tr><td>Mortgage and real estate</td><td>$7,087</td><td>$398</td></tr><tr><td>Cards</td><td>813</td><td>—</td></tr><tr><td>Installment and other</td><td>1,734</td><td>29</td></tr></table>

Question: What's the sum of Citigroup parent company of 2011, and Mortgage and real estate of December 31, 2009 Accrual ?
Answer: 27522
Reasoning program: add(20435.0,7087.0)