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GLOBALITY
BREADTH
INNOVATION
2
Our Footprint
UK
New York
USA
London
Canada
Dubai
Bahrain
Kenya
Singapore
Australia
1.7 million credit card customers and 1.2 million retail customers
Ludhiana
Chandigarh
Gurgaon
Delhi
Noida
Jaipur
Ahmedabad
Baroda
Surat
Lucknow
Bhopal
Indore
Vapi
Nasik
Mumbai
Akola
Kolkata
Bhubaneswar
Nanded
Pune
Hyderabad
Kurnool
Bangalore
Citi helped clients raise $15.6 billion of equity and debt capital in 2013
Coimbatore
Kochi
Chennai
Citibank Branch
Citi Back Offices
Centres of Excellence
Citi Front Offices
Citi Non Resident Indian Offices1
Citi India Desks
Korea Desk
Japan Desk
1. NRI Offices in Canada and Kenya are proposed to be shut (will be covered by US and Bahrain Offices resp.); Australia Centre is proposed to be absorbed by the local Consumer franchise.
Client Profile
Consumer
(Net Investible Surplus)
(~2.6 million Customers)
Corporate
(Revenue Bucket)
(~51,500 Clients)
120,000
2,100
Global Banking
(>$500 million)1
(Local Corporates, 577)
(Global Subsidiaries Group, 990)
Affluent
($60,0001 million)
(Citigold, 85,000)
(Cards/Asset Customers, 68,000)
Emerging Affluent
and Mass Market
($4,00060,000)
(Citibanking, 0.95 million)
(Cards/Asset Customers,
1.5 million)
1.4 million
4,200
Private Enterprises
($50250 million)
(MME ~400)
61,0002
Small Businesses
($1050 million)
(SME ~3,000)
26 million
155,0002
Citibusiness
($210 million)
(~47,000)
Coverage
What we do
Corporate Banking
Investment Banking
Capital Markets
Large Corporates
Large Corporates
Global Corporates
Global Corporates
Client Coverage
Equity Offerings
Loans
Debt Offerings
Treasury
Capital Markets
Syndicated Loans
Trade Services
Administration
Closing
Working Capital
Documentation
Capital
Management
SFS
Structuring
Advisory
Global
Banking
TTS
Source
Uses
Use
Citi
Client
Securities
Securities&&Fund
FundServices
ServicesininIndia
India
30%
50%
50%
17%
Custodian to 50% of
Indian asset managers
12
Top-rated by Global
Custodian for 12 years
SEBIs
Foreign
Investment
Committee
SEBIs Core
Committee of
Market
Intermediaries
Advisory
committee of
NSCCL (NSE
Clearing
Corporation)
FICCI
Capital
Markets
Committee
PASLA and
Regulators on
Securities
Lending
Market Leadership
Dominant market share across FII, QFI & local mutual funds
100%
Settlement Rate
2
Live processing from two cities
>99%
STP Rate
110
AUC (USD Billion)
70%
Capacity kept below 70%
850,000
Transactions per year
Investor
Services
Intermediary
Services
Issuer Services
Wealth
Management
Services
9
Clients
Products
Value Proposition
Pensions/SWF
Asset Managers
HFs, FoF, PE
Insurance Cos.
Central Banks
Broker-Dealers
MTFs/Infra
HFT/ Algo Trader
Global Custodian
Direct Custody
Clearing
Corporate
Governments
Financial Institutions
Open Wealth
Open SMA
Alternative Wealth
Private Banks
Family Offices
RIAs
Private Client Services
Middle Office
Fund Services/ TA
Agent Sec. Lending
Global Custody
Conventional Debt
Structured Finance
Specialized Paying Agent
Depository Receipts
Treasury Flows
Key Client Value Proposition:
Seamless global platform enabled
by proprietary network in 90+
countries
Trade Flows
10
Trade
Cash Management
Corporates, Public Sector, FIs
Asia
11
Trade Services
Liquidity &
Investments
Payments
Commercial Cards
Information Services
EMEA
Latin America
Receivables
North America
12
Global
Consumer
Banking
Consumer
Business Highlights
No.1 Consumer Bank amongst Foreign Banks. Strong business momentum across all key businesses with continued focus on client
excellence, compliance and controls
Leader in NRI Banking: raised > $1.7Bn deposits in the past 5 months
Awarded the best digital bank in India for the past five years
NPS- Ranked 4 across segments. High Absolute score with low detractors
13
Perceptual Scale
Hot Spots
Sales Force
Value Added
Communications
Client Excellence
POS
Technology
Sales Model
Distribution
14
14
Memory +
Seamless
connectivity
Embracing
Retail
Behavior
Intelligent Technology
Service as the Human Enabler
15
15
Everywhere Experience
Global
Single Underwriting
multiple products
Bringing Private Bank
/ Institutional
Products to Retail
Customers
16
16
17
Operating Model
India Footprint
42 Branches, 600+ ATMs and 480+
Correspondent Bank locations
Scale of Operations
Product
Volumes
Growth %
TTS Cash
137 MM
25%
TTS Trade
1.3 MM
19%
SFS
1.6 MM
15%
FXLM
1.3 MM
20%
CGM
207 MM
311%
Consumer
632 MM
7%
Total
980 MM
Business
CB
LCB
Branch Banking/CG/CGS
Citi@Work
Cards
PL and Mortgage
CWA
NR
Total
Payments transformation
High level of outsourcing
Technology resiliency
Talent development and retention
Customer Base
3M
4M
180 M
819 M
1,699 M
115 M
7M
27 M
2,854 M
Product
Development
19
Marketing/
Sales
Delivery
Enhancement/
Innovation
Service
Product teams
Sales teams
Operations
Customer Service
Product teams
Legal
Relationship teams
Technology
Operations
Operations
Compliance
Credit
Credit
Product Teams
Technology
Credit
Finance
Control/ QA
Relationship teams
Credit
Technology
Legal
Finance
Operations
Finance
Legal/ Compliance
Operational Coverage
ICG Operations
Client Operations
Payments Drafts, RTGS, NEFT, LCY Transfers, Deposits
Collections Cheque collections and Clearing
Trade Exports, Imports, Guarantees, Local Trade
FTU FCY Remittances and Collections
DAS Account opening and maintenances
SFS Operations
Fund Accounting
Direct Clearing and Custody
20
Consumer Operations
Card Operations
Payments customer and merchant
Settlement interchange and chargeback
Maintenance backend processing and collection operations
Card dispatch and statement rendition
Liabilities Operations
Account opening and maintenance
Salary and ATM operations
Insurance and Investment
Ready credit
FICC Operations
Foreign Exchange (FX)
Derivatives (FX, Rates, Commodity & Credit)
Fixed Income
Funding & Gapping, Debt Capital Markets
Broker Finance, Agency & Trust and Collateralized lending
Asset Operations
Loans Mortgage and Personal loans
Share finance and Demat
Securitization and Microfinance
eBiz and Collections
CGM Operations
Equities Execution and Clearing
Exchange Traded Futures and Options
Investment banking
Primary Market Offerings IPOs, QIPs
NR Operations
Account opening and transaction processing
Governance of outsourced activities
Query resolution for NRI clients
Statement and advise dispatch
8-week program designed to expose you to the vibrancy and challenges of the corporate world
Strong PPI/ PPO policy- About 60% of 2013 MA batch is through summer internship
Benefits
21
Others To & fro airfare from Inst. to project location and back
22
Consumer Ops
Communication Rationalization for Consumer Ops - Review all communications being triggered to retail bank
customers for mode ( Email , Physical, SMS) being used and rationalize
Technology
Central Bank Reporting - Engaging with various stakeholders on the reporting formats & help in preparing the
reports for automation
E Biz
1) Identify the market for various payments and segregate them into existing method of payments (E.g P2P/ P2E/
BillPay/International Outward/ International Inward/Mobile Comm / Digital collections) etc.
2) Identify key customer gap and willingness for conversion to online
Client Excellence
1) Critically evaluate feedback received from 2013 NPS Top Down survey and 2014 year to date NPS Bottoms Up
survey for improvement areas
2) Drive and deliver on the initiatives identified by CE as improvement areas for 2014
TTS
Opportunity Sizing for Priority Sector Lending under the new RBI guidelines - Identifying the opportunity for TTS
Trade in terms of eligible structures and clients
SFS
23