Such precision is a far cry from the lending practices of the 1980's.

"Now that the numbers are public, it has made us a lot more attentive to our lending practices," she said.

It is not the first time that Citigroup has found itself at the center of controversy over its lending practices.

For one thing, Federal regulators would supervise the lending practices.

Never before have so many powerful agricultural organizations challenged international lending practices.

After being ranked the third worst state in 1995, it moved up to the middle only 12 months later, largely because of new lending practices.

But some financial experts say the bank's problems - and those of Berlin itself - involve much more bad lending practices.

Their conservative lending practices allowed the bank to ride out every panic and depression.

The bank that had been so generous to them collapsed in 1990, a victim of its own poor lending practices.

These are the same neighborhoods where bank data shows a high level of subprime lending practices in recent years.