human
comparison of five-year cumulative total return the following graph compares the cumulative total return on citigroup 2019s common stock with the s&p 500 index and the s&p financial index over the five-year period extending through december 31, 2009. the graph assumes that $100 was invested on december 31, 2004 in citigroup 2019s common stock, the s&p 500 index and the s&p financial index and that all dividends were reinvested. citigroup s&p 500 index s&p financial index 2005 2006 2007 2008 2009 comparison of five-year cumulative total return for the years ended.
| DECEMBER 31 | CITIGROUP | S&P 500 INDEX | S&P FINANCIAL INDEX |
| --------- | --------- | --------- | --------- |
| 2005 | 104.38 | 104.83 | 106.30 |
| 2006 | 124.02 | 121.20 | 126.41 |
| 2007 | 70.36 | 127.85 | 103.47 |
| 2008 | 18.71 | 81.12 | 47.36 |
| 2009 | 9.26 | 102.15 | 55.27 |
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Please answer the following question with expressions if necessary.
what return rate does this represent?
assistant
subtract(9.26, 100), divide(#0, 100)