 Financial metrics

Net Income of $5.0 Billion ($2.15 per Share) Revenues of $18.4 Billion. Returned
$6.2 Billion of Capital to Common Shareholders ($22.3 Billion in Full Year 2019)
Repurchased 69 Million Common Shares (264 Million in Full Year 2019)

2019 Efficient Ratio56.5%

ROE 10.3% (Return on equity)

CITI Capital Ratio 11.7%

SLR 6.2% (Statutory Liquidity Ratio)

2019 Payout Ratio 122%

 Whether your product solves a key customer need

Citi's Global Consumer Bank (GCB), a global digital banking leader in credit ... issues and

continued to pace strategic investments in key growth areas. ... brought
together product leadership globally to unify strategy across products, ... continues to
reflect customers' evolving needs and delivers in the areas they value most.

 Current strengths of Citi as a local and global bank in Australia

 Citi’s Global Consumer Bank has been operating in Australia for more than 30 years.
By combining local experience with the strength of Citi’s worldwide consumer
banking network, Citi offers its clients a range of financial services products that
includes transaction accounts, term deposits, foreign currency deposits, investments,
credit cards, mortgages and wealth management solutions.

 The Global Consumer Bank in Australia has recently under-gone considerable

transformation. Determined to deliver a remarkable experience for its clients, Citi has
invested in its digital capabilities, responding to the rapid adoption of mobile
technology which has transformed how Australians transact, invest and manage their
finances.

 Citi’s innovative approach extends to its rewards programs, including the Citibank
Dining Program, rewarding customer loyalty with a range of differentiated service
propositions. Citi’s clients also benefit from access to regular wealth seminars where
analysts provide an over‐view of global market trends and investment opportunities.
  strengthening or diversification of Citi’s current product line

SUITE OF WEALTH PRODUCTS

 Choose from a range of comprehensive private banking products encompassing
mutual funds, bonds, structured notes, portfolio management services and alternate
investment funds.
 Suite of Wealth Products
 Citi distributes several investment products for you to choose from, depending on
your investment objectives and your risk appetite. These products have been
carefully chosen to help you benefit from professional management and intelligent
investing. Our holistic product suite provides you with a plethora of products for you
to create a diversified investment portfolio. You can reach out to your Relationship
Manager for information on the products that are available to you.

INSURANCE
Our protection and saving plans safeguard what's important to you, at every stage of your
life. These solutions, in collaboration with our Insurance partners, are designed to address
your needs and aid in achieving various milestones of your life, including legacy planning.

Medical Protection
Life Insurance
Health & Accident Insurance
Non Life Insurance

CITIBUSINESS
CitiBusiness gives you a full suite of Business Banking products, with solutions that are
tailor made specifically to help maximise your business potential along with access to
business insights customised through experiences across 100+ countries.

Overview
Transaction Banking and Working Capital Management
Forex Solutions
Trade Services
Commercial Loans
 CITIBUSINESS ONEWORLD
Feel at home with our distinguished proposition and service delivery, making us one of the
most preferred banks for Indian subsidiaries of Micro and Small MNCs.

Citibusiness Oneworld
 Service Support for Capital Account transactions (FDI/ECB/ODI)
 Step-by-step guidance on regulatory requirements
 Regulatory approvals for setting up liaison/branch office in India
 Expat and Employee accounts with Corporate Credit Cards facility
 Bank account set-up for different currencies
 FX Market Advisory
 Funding against SBLC from parent

Citibusiness Leap
 No Net Relationship Value commitment for the first 12 months
 Team of experts comprising of certified Relationship Managers assisted by experienced CitiBusiness Specialists
and a dedicated service support
 Treasury and foreign exchange services to manage business requirements and currency risks
 Wide range of payments and collections solutions for your business needs
 Regulatory reporting support for capital account transactions

HOME FINANCE
Be it purchase financing or refinancing of local properties, enjoy
preferential interest rates on your home loans.

Citi Mortgage Loans

When looking at financing for a residential property, or taking a loan against
a property, benefit from a wide range of mortgage solutions with Citi.
Choose our Treasury Bill linked mortgage loan option to avail a reference
rate for your loan which is simple to understand and easy to track. You may
also avail our Home Credit option which helps you to save on interest and
to repay your loan faster.