Citi Wide Press Release

Key Metrics	FY 19-20	FY 18-19
Net NPA Ratio	0.6%	0.5%
CASA Ratio	55.8%	60.3%
CRAR	15.9%	16.5%

Key Metrics	FY 19-20	FY 18-19
Net NPA Ratio	0.6%	0.5%
CASA Ratio	55.8%	60.3%
CRAR	15.9%	16.5%

Key Metrics	FY 18-19	FY 17-18
Net NPA Ratio	0.5%	0.5%
CASA Ratio	60.3%	58.2%
CRAR	16.5%	17.0%

Key Metrics	FY 18-19	FY 17-18
Net NPA Ratio	0.5%	0.5%
CASA Ratio	60.3%	58.2%
CRAR	16.5%	17.0%

Key Metrics	FY 17-18	FY 16-17
Net NPA Ratio	0.5%	0.5%
CASA Ratio	58.2%	58.2%
CRAR	17.0%	17.6%

Institution	Solution
Tungsten Network	Tungsten Network is a secure e-invoicing, purchase order services and workflow platform that brings together businesses & their suppliers with unique technology that revolutionizes invoice processing, maximizes efficiency & improves cash flow management. They also provide invoice financing, analytics & e-billing.
Ezetap	Ezetap offers a seamless experience across multitude of financial instruments (cards, cash, UPI, net banking, wallets) and interfaces (in-store, field, self-service, kiosk, mobile app, online). With deep integration with the CRM, ERP, and backend systems of businesses, Ezetap allows businesses to accept payments anytime, anywhere, and supports last-mile connectivity. This can support sectors such as e-commerce, logistics, insurance and financial services, pharma amongst others.
KrypC	KrypC integrates and connects real world business applications to the DLT Network. Using their proprietary connectors, businesses can create digital assets, build business rules for asset flow and obtain validation information of transactions and digital assets in the DLT network. Specialized connectors for financial industry are custom built for money transfer, trade finance and pre-approved loans.
Active Intelligence	Active.ai runs on a proprietary artificial intelligence engine, Triniti, which enables financial institutions to have a meaningful, intuitive engagement with customers across multiple apertures, using messaging, voice, and IoT devices. This unique solution includes Machine Learning, Natural Language Processing, and Natural Language Generation. Active Intelligence manages and builds low- cost, customer-centric digital channels with out-of-the- box support for Current Accounts, Loans, Trade Finance, Treasury, Transfers, Payments, Service Requests, Virtual Agents, lead Generation for Corporate and SMB Banking.
GIEOM	GIEOM Validator is a sophisticated Artificial Intelligence-powered document verification and form completeness checking engine, which uses Computer Vision and Machine learning. Meanwhile, the Intelligent Compliance Solution enables additional controls/attestation/interactive dashboards/downloadable reports and can be used for items that have a regulatory impact/perspective.
Karza Technologies	TotalKYC is a cloud-based tool and API that can be actively used by banks and insurers to read, authenticate, score and enrich 15+ KYC documents in real-time through Government databases. The tool can identify and verify varied government documents of individuals as well as corporates digitally without any manual intervention. Karza’s OCR technology is rated highest in the industry. The company’s technology can help in consumer ID validation and document validation.
Paymate	Paymate’s solution is PCI DSS 3.2 certified and available in cloud, app and API form. It automates B2B business payments to real-time digital payments with 24x7 processing. The solution offers easy and quick access to working capital and supplier chain finance. It supports card payments, NEFT, RTGS, IMPS, and Net banking and can be accessed via desktop, mobile web, and Android/iOS app.
Nearby Technologies	The company partners with neighborhood retail stores to offer the PayNearby app which supports digital financial services, including Aadhaar ATM and deposits, SMS payment, Khata service, utility payments, prepaid cards, mutual funds and insurance, money transfer, hyperlocal service and payments, including Bharat QR and UPI. This supports last-mile reach and digitization, important to FMCGs, financial services, amongst others.

Institution	Solution
Tungsten Network	Tungsten Network is a secure e-invoicing, purchase order services and workflow platform that brings together businesses & their suppliers with unique technology that revolutionizes invoice processing, maximizes efficiency & improves cash flow management. They also provide invoice financing, analytics & e-billing.
Ezetap	Ezetap offers a seamless experience across multitude of financial instruments (cards, cash, UPI, net banking, wallets) and interfaces (in-store, field, self-service, kiosk, mobile app, online). With deep integration with the CRM, ERP, and backend systems of businesses, Ezetap allows businesses to accept payments anytime, anywhere, and supports last-mile connectivity. This can support sectors such as e-commerce, logistics, insurance and financial services, pharma amongst others.
KrypC	KrypC integrates and connects real world business applications to the DLT Network. Using their proprietary connectors, businesses can create digital assets, build business rules for asset flow and obtain validation information of transactions and digital assets in the DLT network. Specialized connectors for financial industry are custom built for money transfer, trade finance and pre-approved loans.
Active Intelligence	Active.ai runs on a proprietary artificial intelligence engine, Triniti, which enables financial institutions to have a meaningful, intuitive engagement with customers across multiple apertures, using messaging, voice, and IoT devices. This unique solution includes Machine Learning, Natural Language Processing, and Natural Language Generation. Active Intelligence manages and builds low- cost, customer-centric digital channels with out-of-the- box support for Current Accounts, Loans, Trade Finance, Treasury, Transfers, Payments, Service Requests, Virtual Agents, lead Generation for Corporate and SMB Banking.
GIEOM	GIEOM Validator is a sophisticated Artificial Intelligence-powered document verification and form completeness checking engine, which uses Computer Vision and Machine learning. Meanwhile, the Intelligent Compliance Solution enables additional controls/attestation/interactive dashboards/downloadable reports and can be used for items that have a regulatory impact/perspective.
Karza Technologies	TotalKYC is a cloud-based tool and API that can be actively used by banks and insurers to read, authenticate, score and enrich 15+ KYC documents in real-time through Government databases. The tool can identify and verify varied government documents of individuals as well as corporates digitally without any manual intervention. Karza’s OCR technology is rated highest in the industry. The company’s technology can help in consumer ID validation and document validation.
Paymate	Paymate’s solution is PCI DSS 3.2 certified and available in cloud, app and API form. It automates B2B business payments to real-time digital payments with 24x7 processing. The solution offers easy and quick access to working capital and supplier chain finance. It supports card payments, NEFT, RTGS, IMPS, and Net banking and can be accessed via desktop, mobile web, and Android/iOS app.
Nearby Technologies	The company partners with neighborhood retail stores to offer the PayNearby app which supports digital financial services, including Aadhaar ATM and deposits, SMS payment, Khata service, utility payments, prepaid cards, mutual funds and insurance, money transfer, hyperlocal service and payments, including Bharat QR and UPI. This supports last-mile reach and digitization, important to FMCGs, financial services, amongst others.

Key Metrics	FY 17-18	FY 16-17
Net NPA Ratio	0.5%	0.5%
CASA Ratio	58.2%	58.2%
CRAR	17.0%	17.6%

Nov 28: Applications Open for Citi Journalistic Excellence Award 2018

For Immediate Release
Citigroup Inc. (NYSE: C)
November 28, 2017

Applications Open for Citi Journalistic Excellence Award 2018

Open to journalists in India to recognize their work in financial, economic and business topics Two journalists to represent India in an international study seminar administered by the Columbia University Graduate School of Journalism, New York

Mumbai: Citi India today announced the launch of the Citi Journalistic Excellence Award (CJEA) 2018. The program recognizes outstanding business and financial reporting across the globe in the countries Citi operates in, to further support and advance quality journalism. Winners from each country get the opportunity to attend a rigorous 8-day seminar on the principals of business and finance in New York, administered by the prestigious Columbia University Graduate School of Journalism.

At the commencement of the fourth year of CJEA in India, Citi India Public Affairs Officer Debasis Ghosh said, “We introduced CJEA to India in 2015 to honour outstanding reporting in economics, finance and business news across print, wire, electronic and online platforms. CJEA offers media professionals the opportunity to participate on a global platform for talent as well as enhance their journalistic skills along with reporters, correspondents and editors from over 20 other countries. We are extremely encouraged by the quality of articles and the increasing interest from the fraternity since the program’s launch in India.”

Since the inception of CJEA in 1982, more than 340 journalists from over 100 media outlets in 39 countries have attended the seminar. Over the last three years, four journalists from India have participated in the program in New York.

Applicants may enter CJEA in India by submitting an article of at least 750-words published within the 2017 calendar year. An independent judging panel, made up of senior editors, academicians and/or business leaders, will draw up a shortlist, which will then be sent to Columbia University Graduate School of Journalism for their consideration. Citi India will sponsor the scholarship for two selected recipients, which includes travel and incidental costs to attend the study course, to be held between May 29 and June 7, 2018 in New York.

The winners, who will be announced by the end of March, will participate in workshops on various subjects including principles of accounting and finance and will be exposed to wide-ranging views on global financial and economic issues, as well as those which affect their own countries. The selected participants partake in sessions with leading Columbia University faculty members, engage in discussions with senior academicians and policy-makers, and visit key financial institutions and U.S. Government departments.

Journalists may apply to the program until January 19, 2018. The application must include:

Completed application form
Autobiographical essay of no more than 1,000 words. Written in English, describing your journalistic accomplishments and future plans; as well as a paragraph about what one hopes to get out of the seminar in New York
Headshot photograph
Article, with a financial/business/economic focus, of a minimum 750 words, published between January 1, 2017 and December 31, 2017 – Original and translated to English (if published in any Indian language)
Editor’s letter authorizing attendance at the Columbia seminar

Please note, previous award winners, owners and directors of media companies are not eligible. For any questions and to make an entry, applicants may write to cjea.india@citi.com. Entry requirements and the application form may also be found on Citi India’s website under the ‘about us’ section at Citi Journalistic Excellence Award at www.citibank.co.in

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Citi India offers consumers including Non Resident Indians, corporates and financial institutions, a comprehensive range of financial products and services. These include retail banking, mortgage finance, credit cards, personal loans, corporate and investment banking, foreign exchange, securities brokerage, transaction services and wealth management. Citi is an employer of choice and serves more than 2.3 million customers ranging from India's top corporate houses, multinationals operating in India, SMEs, self-employed entrepreneurs, households and individuals. Citi India has leading market shares in a number of areas in India's banking industry, including in credit cards, distribution of mutual funds, e-commerce banking, investment banking and foreign exchange. In addition, Citi India, through its network of Citi Service Centers, has been a leading offshoring unit for Citigroup globally, providing employment opportunities in the areas of technology, processing, analytics and financial processes.

Citi India is also committed to enabling socio-economic progress in the communities where we live and work. Since 1999, Citi Foundation through its partnerships, has helped further the financial inclusion agenda through education, and has created livelihood opportunities for youth and marginalized families in India. In addition, Citi has been committed to preserving India’s heritage through its programs focused on art and culture. These efforts, over the past 16 years, have benefited more than 2.5 million people across the country. Citi India continues to promote an inclusive and responsible society through its various CSR initiatives.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

Oct 12: Citi Appoints Stephen Cronin as Chief Human Resources Officer India, Bangladesh & Sri Lanka

For Immediate Release
Citigroup Inc. (NYSE: C)
October 12, 2017

Citi Appoints Stephen Cronin as Chief Human Resources Officer India, Bangladesh & Sri Lanka

Mumbai: Citi today announced the appointment of Stephen Cronin as Chief Human Resources Officer (CHRO), India, Bangladesh and Sri Lanka. Stephen will be responsible for leading the HR strategy and talent development of the India Franchise, and is expected to join Citi India in December, pending completion of all necessary requirements.

Stephen has over 30 years of industry experience, 22 of which are with Citi. He joined the Operations & Technology (O&T) HR team based in New York, in 1995. Shortly after, in 1997, Stephen accepted the role of CHRO for Singapore, marking his first move to the region. After three years, Stephen joined Citi in Europe as the HR Head for the Global Transaction Services EMEA business. In 2004 he became CHRO for Citi Japan before moving to the role of CHRO India in 2010. Currently, Stephen is the Global HR Advisor for ICG O&T, a role that he moved to in 2012.

Stephen will report to Terry Endsor, Head of Human Resources, Asia Pacific, Citi and Pramit Jhaveri, CEO, Citi India. He will closely partner with Pramit and his leadership team and will be a great asset in leveraging his deep global and regional knowledge. He will also continue to progress the transformation and culture evolution of the Franchise in India and the region.

Citi is an employer of choice in India to around 15,600 employees and serves the full spectrum of clients—from helping India’s top global corporations commit capital, make markets and manage their global cash positions to supporting the growth ambitions of the country's small and mid-sized enterprises and enabling individuals and households to save, invest, spend, borrow and protect their money with trust and confidence. Citi India's products and services are organized under two major segments: Institutional Clients Group (ICG) and Global Consumer Banking (GCB).

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Citi India offers consumers including Non Resident Indians, corporates and financial institutions, a comprehensive range of financial products and services. These include retail banking, mortgage finance, credit cards, personal loans, corporate and investment banking, foreign exchange, securities brokerage, transaction services and wealth management. Citi is an employer of choice and serves more than 2.3 million customers ranging from India's top corporate houses, multinationals operating in India, SMEs, self-employed entrepreneurs, households and individuals. Citi India has leading market shares in a number of areas in India's banking industry, including in credit cards, distribution of mutual funds, e-commerce banking, investment banking and foreign exchange. In addition, Citi India, through its network of Citi Service Centres, has been a leading offshoring unit for Citigroup globally, providing employment opportunities in the areas of technology, processing, analytics and financial processes.

Citi India is also committed to enabling socio-economic progress in the communities where we live and work. Since 1999, Citi Foundation through its partnerships, has helped further the financial inclusion agenda through education, and has created livelihood opportunities for youth and marginalized families in India. In addition, Citi has been committed to preserving India’s heritage through its programs focused on art and culture. These efforts, over the past 16 years, have benefited more than 2.5 million people across the country. Citi India continues to promote an inclusive and responsible society through its various CSR initiatives.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

Sep 07: Citi appoints K Balasubramanian as Head of Corporate Banking, India‎ Subcontinent

For Immediate Release
Citigroup Inc. (NYSE: C)
September 07, 2017

Citi appoints K Balasubramanian as Head of Corporate Banking, India‎ Subcontinent

Mumbai: Citi today announced the appointment of K Balasubramanian (Bala), as Head of Corporate Banking, Indian subcontinent, comprising of India, Bangladesh and Sri Lanka, effective December 1, 2017.

Bala, who started his career as a Management Associate at Citi in 1996, is a seasoned Citi veteran of 20 years. He is a commerce graduate from Calcutta and holds a Chartered Accountant and ICWA degree. Bala was the Head of India Local Corporate Bank for Citi, prior to joining HDFC Bank as Head of Corporate Banking in May 2016.

In his new role, Bala’s focus will be to continue the strong growth momentum in corporate banking across the Indian subcontinent, while driving new initiatives around Structured Trade, Commodities, Payments, and Small Finance Banks for Citi.

Citi India’s Corporate Banking is a leading provider of financial services to local Indian corporates, public sector and government institutions, financial institutions and MNC’s operating in India, serving the financial needs of the country’s prominent corporations and financial institutions. Bala's client connectivity and deep expertise of the Citi platform will be critical to the franchise’s success.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinance, Enterprise Development, and Youth, Education & Livelihoods.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

July 04: Citi India Reports Earnings for the Year Ended March 31, 2017

For Immediate Release
Citigroup Inc. (NYSE: C)
July 04, 2017

Citi India Reports Earnings for the Year Ended March 31, 2017

Mumbai: Citi India today announced its financial results for the year ended March 31, 2017. During the period, Profit before Tax for Citibank India stood at INR 6,185 crores versus INR 5,777 crores in the previous financial year. Profit after Tax stood at INR 3,626 crores versus INR 3,233 crores in the previous year. Key Financial Metrics are:

Key Metrics	FY 16-17	FY 15-16
NIM	5.4%	5.1%
Net NPA Ratio	0.5%	0.5%
CASA Ratio	58.2%	49.7%
CRAR	17.6%	15.8%

For Citi India in aggregate, total assets, including credit extended to Indian corporate clients from offshore Citi entities, stood at INR 202,855 crores.

During FY 16-17, Citi India disbursed INR 234,181 crores of loans, including those booked in offshore locations, representing a 13.4% growth over the prior year.

On the results, Citi India CFO Niraj Parekh said, “Citi India is pleased to have delivered yet another year of consistently strong results and improved profitability while continuing to maintain high asset quality and a robust capital position. Our results are a consequence of our execution focus, judicious expense controls and sound risk management. Citi in India is well placed and committed to supporting our clients’ investments and growth.”

Business Highlights 2016-17

Citi India added 2,039 employees during the fiscal year, bringing the total number of employees to 14,543 as on March 31, 2017. Of the total employee base, Citi Service Centers housed under Citicorp Services India Private Limited (CSIPL), engage 8,748 professionals. Citi India made 381 new hires for its various Associate Programs from the best business and graduate schools and technical institutes.
Citibank India extended loans of INR 13,700 crores to agriculture, affordable housing, empowerment of weaker sections and micro, small and medium enterprises as well as over INR 6,500 crores towards export credit for the fiscal year through March 31, 2017, as part of its Priority Sector Lending obligations.
Citi India maintained its dominant position across equity and debt capital raising, loan financing and M&A. Citi India helped raise over INR 172,935 crores of equity and debt capital for its clients, preserving its status as the preferred investment bank in the country during this period¹. Citi India was the No. 1 investment bank in ECM and No. 1 in DCM for G3 bonds². Citi India was also the No.1 investment bank in M&A, with completed deals worth approximately INR 63,360 crores during this period^1,3.
Citibank India held a 6.9 percent market share of India's domestic payment flows⁴ and 6.6 percent of India's merchandise and software services trade flows⁵.
Citibank India holds a 14.8 percent market share in Foreign Exchange merchant flows as on March 31, 2017⁶. Citibank India is a leading custodian managing approximately 30 percent of Foreign Portfolio Investor flows in India as on March 31, 2017⁷.
Citibank India serves 2.5 million retail customers with 1.2 million bank accounts and 2.4 million cards nationally. Citibank India is amongst the leaders in credit cards with 13 percent market share of retail credit card spends in the country⁸, while average spends per card per year is 1.4 times higher than the industry average⁹. Citi is also a leader in wealth management, with an AUM of around INR 32,000 crores¹⁰.
Citibank India launched a host of innovative products and services during the financial year, namely instant personal loans, instant credit cards, instant loan on credit card, voice biometrics authentication on CitiPhone, live post log-in chat, video banking for wealth management, amongst others. Citibank in India has pioneered market-first solutions such as instant redemption of credit card points at a varied set of leading partners, direct OTP entry at leading online sites, instant wallet recharge, both online and via the Citi app, and snapshot of account details on the Citi app to its customers.
Citi launched the Citi Tech for Integrity Challenge (T4I) in February 2017, as part of its effort to encourage technology innovators from around the world to create solutions in the public sector. This initiative from Citi, in collaboration with private and public sector partners, offered technology companies an opportunity to innovate in the areas of financial transactions, cyber security, financial education, grievance redressal, cutting red tape, and other such spaces.
Citi India has been recognized as Best Foreign Bank and as Best Foreign Investment Bank, by Finance Asia's Country Awards for Achievement 2017. Citi India also received the Best Bank - Global and the Best Corporate and Institutional Bank, Global, at The Asset Triple A Country Awards, 2016. Citi was also named Best e-Bank in India at The Triple A Digital Awards 2016.

¹ Fx rate: USD – INR66 for DCM and M&A

² Dealogic; ranking basis split credit when joint bookrunners involved

³ Dealogic; ranking basis split credit when joint bookrunners involved

⁴ Determined based on internal data and data from Reserve Bank of India

⁵ Determined based on internal data and data from Government of India, Ministry of Commerce, and Reserve Bank of India

⁶ Determined based on Reserve Bank of India data

⁷ Determined based on market and internal data

⁸ Determined based on data from Reserve Bank of India

⁹ Determined based on data from Reserve Bank of India

¹⁰ Determined based on internal data

Corporate Citizenship

Citi is committed to enabling socio-economic progress in the communities it serves. Corporate Citizenship is an integral part of the Bank’s daily functioning. Citibank India has developed its Corporate Social Responsibility program to comply with the requirements of Section 135 of the Act and the Companies Rules, 2014, and has aligned its projects and programs across some of the areas indicated in Schedule VII of the Act and the Rules for the fiscal year ended March 31, 2017.

The Bank supports projects of national importance through strategic grants in the broad areas of education, financial inclusion, youth skilling, entrepreneurship and employability, economic empowerment, preservation of India’s cultural heritage, primary healthcare, and environmental sustainability.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinanc e, Enterprise Development, and Youth, Education & Livelihoods.

Citi India is also committed to enabling socio-economic progress in the communities where we live and work. Since 1999, Citi Foundation through its partnerships, has helped further the financial inclusion agenda through education, and has created livelihood opportunities for youth and marginalized families in India. In addition, Citi has been committed to preserving India’s heritage through its programs focused on art and culture. These efforts, over the past 16 years, have benefited more than 2.5 million people across the country. Citi India continues to promote an inclusive and responsible society through its various CSR initiatives.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

June 16: Citi Announces Tech for Integrity Challenge (T4I) winners in India

FOR IMMEDIATE RELEASE
Citigroup Inc. (NYSE: C)
June 16, 2017

Citi Announces Tech for Integrity Challenge (T4I) winners in India

Mumbai:Citi announced the award recipients of Tech for Integrity (T4I) Challenge in India. In Hyderabad, 19 shortlisted technology companies presented their solutions to the esteemed jury at the Demo Day on June 13. The initiative from Citi, in collaboration with private and public sector partners, offered technology companies an opportunity to innovate in the areas of financial transactions, cyber security, financial education, grievance redressal, cutting red tape, and other such spaces.

The award recipients included:

Citi T4I Award - Transparency International Ukraine

Prozorro.Sale is an e-auction system that enables Governments to auction and sell state-owned assets in a transparent, effective and fair manner. This solution was built in partnership with the international anti-corruption organization, Transparency International.

Audience Choice Award - Janaagraha Centre for Citizenship and Democracy

IPaidABribe.com is a citizen-driven reporting platform for tracking bribe payment activity, as well as a channel for dissemination of information related to citizen services.

Telangana State Government Special Award announced by IT Secretary, Mr. Jayesh Ranjan - Crediwatch Information Analytics Pvt. Limited

Peer Choice Award - Crediwatch Information Analytics Pvt. Limited

Crediwatch platform helps businesses and Governments make data-driven procurement decisions about potential vendors and partners. The platform curates data from distributed and unstructured sources, and uses computational techniques like machine learning, NLP (natural language processing) and visualization to enable these decisions.

In India, T4I was supported by the Ministry of Electronics and Information Technology (MeitY), the Digital India Foundation, and several leading private sector companies including IBM, PwC, Microsoft, Mastercard, Facebook, Let’s Talk Payments and Wipro. The tech solutions received were evaluated by a jury and the selected finalists then showcased their innovations to a wide and knowledgeable audience at the ‘Demo Day’ in Hyderabad. Out of the 19 shortlisted teams, 16 teams that presented were from India, two from Kenya and one from Ukraine. They were judged on six criteria – Global Reach, Innovation, Scalability, Integrity Impact, Functionality, and Implementation Feasibility.

"T4I successfully brought all stakeholders onto one common platform in a bid to accelerate solutions that are required in today’s increasingly digital environment. This initiative gave our partners and the Government the opportunity to tap into new ideas and projects for public services," said Anand Chopra, Head of Operations and Technology, Citi South Asia, at the press conference that presented the shortlisted finalists.

Out of the 1000+ applications received from across the world, 213 teams qualified for the accelerator program and 103 finalists presented across the six demo days hosted in Mexico, Buenos Aires, Dublin, Singapore and Abu Dhabi, besides Hyderabad. India received 309 entries.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Citi India offers consumers including Non Resident Indians, corporates and financial institutions, a comprehensive range of financial products and services. These include retail banking, mortgage finance, credit cards, personal loans, corporate and investment banking, foreign exchange, securities brokerage, transaction services and wealth management. Citi is an employer of choice and serves more than 2.3 million customers ranging from India's top corporate houses, multinationals operating in India, SMEs, self-employed entrepreneurs, households and individuals. Citi India has leading market shares in a number of areas in India's banking industry, including in credit cards, distribution of mutual funds, e-commerce banking, investment banking and foreign exchange. In addition, Citi India, through its network of Citi Service Centres, has been a leading offshoring unit for Citigroup globally, providing employment opportunities in the areas of technology, processing, analytics and financial processes.

Citi India is also committed to enabling socio-economic progress in the communities where we live and work. Since 1999, Citi Foundation through its partnerships, has helped further the financial inclusion agenda through education, and has created livelihood opportunities for youth and marginalized families in India. In addition, Citi has been committed to preserving India’s heritage through its programs focused on art and culture. These efforts, over the past 16 years, have benefited more than 2.5 million people across the country. Citi India continues to promote an inclusive and responsible society through its various CSR initiatives.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

June 13: Citi Announces Shortlist of Citi Tech for Integrity Challenge (T4I) in India

For Immediate Release
Citigroup Inc. (NYSE: C)
June 13, 2017

Citi Announces Shortlist of Citi Tech for Integrity Challenge (T4I) in India
19 technology companies present their solutions in Hyderabad, India
India receives the highest number of applications at 309

Hyderabad: Citi today announced 19 technology companies presented their solutions in India for the Citi Tech for Integrity Challenge (T4I). T4I is a global program from Citi that encourages technology innovators from around the world to create solutions in the public sector. This initiative from Citi, in collaboration with private and public sector partners, offered technology companies an opportunity to innovate in the areas of financial transactions, cyber security, financial education, grievance redressal, cutting red tape, and other such spaces.

In India, T4I was supported by the Ministry of Electronics and Information Technology (MeitY), the Digital India Foundation, and several leading private sector companies including IBM, PwC, Microsoft, MasterCard, Facebook, Let’s Talk Payments and Wipro. The tech solutions received were evaluated by a jury and the selected finalists then showcased their innovations to a wide and knowledgeable audience at the ‘Demo Day’ in Hyderabad. Here, 16 teams that presented are from India, two are from Kenya and one is from the Ukraine.

Out of the +1000 applications received from across the world, 213 teams qualified for the accelerator program and 103 finalists are presenting across the six demo days being hosted in Mexico, Buenos Aires, Dublin, Singapore and Abu Dhabi, besides Hyderabad. India received 309 entries.

AasPaas Digital Citizen Technologies, Bill Cloud Pvt. Ltd., Crediwatch Information Analytics Pvt. Ltd., Element42, FRSLABS Research Systems Pvt. Ltd., JamboPay, Janaagraha Centre for Citizenship and Democracy, Manipal Technologies Ltd., Mindgate Solutions Pvt. Ltd, Mobiticket, Moxtra Solutions Pvt. Ltd., Myndgenie, Transparency International Ukraine, Salucro, Superwise Solutions Pvt Ltd, TCS, Tharakan Web Innovations, Toolyt SFA and VA Tech Ventures Pvt. Ltd. presented in Hyderabad and were judged on six criteria – Global Reach, Innovation, Scalability, Integrity Impact, Functionality, Implementation Feasibility.

Speaking on the occasion, Anand Chopra, Head of Operations & Technology, Citi South Asia, said, “The presentations we’ve seen have been extraordinary. We believe that platforms such as these are in the best interest of all stakeholders as they not only lead to sophisticated problem-solving solutions that have real use cases, but also help further perpetuate a culture of innovation, dialogue and openness between all those involved.”

Sridhar Iyer, Head of Customer Franchise and Digital Banking, Citi India, said, “This is a unique initiative that crowdsources pain points from the public sector and encourages innovators to come up with solutions that foster transparency and integrity in public life. The solutions showcased have truly been well thought out, indicating a real understanding for the need of the hour for the public sector. Citi will continue to be a partner and be an enabler in initiatives such as T4I.”

In 2015, Citi had launched the Citi Mobile Challenge in India and introduced the concept of open innovation in digital banking in the country. The launch of T4I extends this concept to the public sector and beyond. As part of the T4I program, Citi and its partners offered innovators a structured virtual accelerator program including mentorship, webinars and workshops covering the commercial and technical aspects of their propositions.

Shortlist of Citi Tech for Integrity Challenge (T4I) in India

Institution	Solution	Pillars	Descriptor of solution
AasPaas Digital Citizen Technologies	AasPaas	Culture Ethics and engagement	An intuitive one-stop hyperlocal social media that allows citizens, authorities, elected reps and civil bodies to collaborate on local issues while abstracting complexities, introducing transparency.
Bill Cloud Pvt. Ltd.	Bill Cloud	Analytics Reporting and transparency Cutting the red tape Government transactions	A cloud-based software service that allows urban local bodies to make their bills available to a large number of online and offline collection channels.
Crediwatch Information Analytics Pvt. Limited	Crediwatch	Financial crimes & Illicit activities Analytics Reporting & Transparency Cutting the Red Tape	Using proven computational techniques like machine learning, NLP (natural language processing) and visualization, the platform curates data from distributed and unstructured sources into proprietary models of contextual information and derives amplified insights to help businesses and organizations make data-driven decisions.
Element42	e-Paper	Cutting the Red Tape Financial crimes & Illicit activities Government transactions	‘ePaper’ helps solve fraud by making it impossible to duplicate a document and by providing the ability to verify with 100% confidence, and with ease, by using a smart phone. It also mitigates the operational risk in document issuance.
FRSLABS Research Systems Private Limited	Atlas	Government transactions Information security & Identity Financial crimes & Illicit activities	Providing a simple unassisted, paperless and seamless onboarding process on mobile devices using a trusted 3-factor authentication model (Aadhaar, one-time password and Face Biometric matches against Aadhaar photograph).
JamboPay	eJijiPAY@jambopay	Government transactions	A revenue collection service that enables residents and organisations within Nairobi to pay for various services and taxes through mobile phone, web and a network of agents.
Janaagraha Centre for Citizenship and Democracy	www.ipaidabribe.com	Analytics Reporting & transparency Government transactions	It is a citizen-driven reporting platform for tracking bribe payment activity, as well as a channel for dissemination of information related to citizen services.
Manipal Technologies Limited	Manipala	Information security and identity	Virtual Card reduces the risk of payment fraud by removing confidential consumer credit/debit card data from the payment ecosystem.
Mindgate Solutions Pvt. Limited	Mindgate	Government transactions Cutting the Red Tape Analytics Reporting and transparency	Provides for a comprehensive beneficiary and scheme-based payments, with configurable rule engine to map rules for event-based triggers for payments, as well as electronic fund transfers.
Mobiticket	Mobiticket	Analytics Reporting and transparency Cutting the Red Tape	An organized SMS-based ticketing service that allows commuters to text to check where their bus is, text to book by paying through mobile money and text to ride.
Moxtra Solutions Pvt. Ltd.	Moxtra	Cutting the Red Tape Crisis Management & Aid Culture, ethics and engagement	Enabling institutions to earn “citizen trust” by delivering breakthrough omni-channel citizen engagement via collaboration platform.
Myndgenie	Beneficiary Entitlement Tracking Solution (BETS)	Crisis Management & Aid Government transactions	Digitization of welfare schemes for efficient benefit delivery directly to intended beneficiaries, while bringing visibility, simplicity and speed via a mobile application and Aadhaar compliant biometric device
Transparency International Ukraine	ProZorro.sale	Analytics Reporting and transparency	A transparent e-auction system consisting of a central database, (OCDS)-compliant and a multitude of commercial e-platforms connected via API
Salucro	Unified Payment Solution for Healthcare	Cutting the Red Tape Culture ethics & engagement Information Security & Identity Government transactions	Cloud-based payment processing solution that targets patient responsibility. A unique way to integrate all the payment types into a single network of payments that removes manual intervention and brings in transparency.
Superwise Solutions Pvt Ltd	SuperWise	Analytics Reporting & Transparency	A real-time mobile SaaS (Software as a Service) for construction management that brings transparency and timeliness to the construction industry.
TCS	TRAP	Government transactions	Blockchain-based distributed ledger system that allows for proper managing and usage of funds meant for recovery.
Tharakan Web Innovations	Myeasydocs	Government transactions Information security & Identity Cutting the Red Tape	A digital document vault, wherein digitally certified documents can be stored and shared for visa applications, employment, higher studies and trade applications.
Toolyt SFA	Toolyt SFA	Government transactions Culture ethics & engagement Cutting the Red Tape	Helps organizations to increase their field force productivity by automating workflow, time on field, and expenses.
VA Tech Ventures Pvt. Ltd.	Happay	Crisis Management & Aid Government transactions	Prepaid/Credit card-linked, multi-wallet platform that helps Governments and Corporates track and manage cash payouts, digitally and online.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Citi India offers consumers including Non Resident Indians, corporates and financial institutions, a comprehensive range of financial products and services. These include retail banking, mortgage finance, credit cards, personal loans, corporate and investment banking, foreign exchange, securities brokerage, transaction services and wealth management. Citi is an employer of choice and serves more than 2.3 million customers ranging from India's top corporate houses, multinationals operating in India, SMEs, self-employed entrepreneurs, households and individuals. Citi India has leading market shares in a number of areas in India's banking industry, including in credit cards, distribution of mutual funds, e-commerce banking, investment banking and foreign exchange. In addition, Citi India, through its network of Citi Service Centres, has been a leading offshoring unit for Citigroup globally, providing employment opportunities in the areas of technology, processing, analytics and financial processes.

Citi India is also committed to enabling socio-economic progress in the communities where we live and work. Since 1999, Citi Foundation through its partnerships, has helped further the financial inclusion agenda through education, and has created livelihood opportunities for youth and marginalized families in India. In addition, Citi has been committed to preserving India’s heritage through its programs focused on art and culture. These efforts, over the past 16 years, have benefited more than 2.5 million people across the country. Citi India continues to promote an inclusive and responsible society through its various CSR initiatives.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

June 01: Citi Appoints Shinjini Kumar as Head of Consumer Banking, India

FOR IMMEDIATE RELEASE
Citigroup Inc. (NYSE: C)
June 01, 2017

Citi Appoints Shinjini Kumar as Head of Consumer Banking, India

Mumbai:Citi today announced the appointment of Shinjini Kumar as Consumer Business Manager (CBM), Global Consumer Banking, India, effective June 24, 2017. Shinjini will manage all of Citi's consumer businesses including retail banking, wealth management, cards and mortgages in India. She will join the Asia Consumer Leadership team, ensuring alignment with global and regional priorities and attracting the right talent to build world class teams. She will report to Anand Selvakesari, Head of Consumer Banking, for Citi Asia Pacific and Pramit Jhaveri, CEO, Citi India. Shinjini succeeds Kartik Kaushik, who was appointed Global Consumer Head of Credit Initiation, Core Operations and Branch Operations based in the US.

Shinjini joins Citi India from Paytm, where she served as Chief Executive Officer. At Paytm, Shinjini was responsible for spearheading the payments bank, which included regulatory approvals, technology integration, business development as well as building a strong team. Prior to this, she spent over five years with PwC, where she was leading the Banking and Capital Markets practice, working with multinational banks on governance and regulatory matters, and companies in the FinTech, Microfinance, NBFC and Telecom industries on their payments, distribution and banking plans. Shinjini also spent over two years with Bank of America Merrill Lynch as the Head of Compliance where she was a member of the country leadership team handling the merger of Bank of America and Merrill Lynch. Prior to these roles, Shinjini spent 17 years with The Reserve Bank of India (RBI) where she handled foreign direct investments, technology transfer, external borrowings and conducted on site and off site supervision of banks and NBFCs.

Mr. Anand Selvakesari, Head of Consumer Banking for Asia Pacific said: "India is a key market for our consumer banking franchise in Asia and globally. We are truly excited to have Shinjini lead our successful consumer franchise in India. With over 25 years of diverse experience in banking and financial services, Shinjini has a deep understanding of the Indian market and evolving consumer behavior and trends. I am confident under Shinjini's leadership we will further accelerate our efforts in innovation and digitization, and continue to grow from strength to strength."

Shinjini holds a Master of Arts in Public Policy from the University of Texas at Austin and a Master of Arts in English Literature from the University of Delhi.

Citi India's Consumer Banking brings best-in-class product propositions and experiences to its customers. Citi follows a segment-led strategy with a clear focus on digitisation of the entire banking life cycle, from acquisition through transactions and servicing, resulting in strong growth in new-to-bank clients, volume and wallet share. Citi in India is the largest foreign bank in wealth management and credit cards. Over 30 percent of all its new cards are acquired online and Citi has a 12 percent market share in card spends, the highest amongst foreign banks in India. Digital payments account for more than 88 percent of total card payments it receives. Also, Citi has a 5 percent market share (in value terms) of IMPS amongst banks, despite a 0.1 percent share of total banking accounts in India. In the last one year, Citi in India launched a host of innovative products and services, which includes instant personal loans, instant credit cards, instant loan on credit card, voice biometrics authentication on CitiPhone, live post log-in chat, video banking for wealth management, amongst others. Citi has pioneered market-first solutions such as instant redemption of credit card points at a varied set of leading partners, direct OTP entry at leading online sites, instant wallet recharge, both online and via the Citi app, and snapshot of account details on the Citi app to its customers.

The Consumer Banking business has been acknowledged for Best payment initiatives at IBA Technology Banking Awards 2017, Best e-bank in India at The Asset Triple A Digital Awards 2016, Best Bank - Global at The Asset Triple A Country Awards 2016, Best Foreign Bank - Retail at Dun & Bradstreet – Cedar Management Consulting Banking Awards 2016, Best Consumer Digital Bank in India at Global Finance Best Digital Banks Awards 2016, Best Foreign Bank and Best Foreign Investment Bank at FinanceAsia Country Awards for Achievement 2017.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Citi India offers consumers including Non Resident Indians, corporates and financial institutions, a comprehensive range of financial products and services. These include retail banking, mortgage finance, credit cards, personal loans, corporate and investment banking, foreign exchange, securities brokerage, transaction services and wealth management. Citi is an employer of choice and serves more than 2.3 million customers ranging from India's top corporate houses, multinationals operating in India, SMEs, self-employed entrepreneurs, households and individuals. Citi India has leading market shares in a number of areas in India's banking industry, including in credit cards, distribution of mutual funds, e-commerce banking, investment banking and foreign exchange. In addition, Citi India, through its network of Citi Service Centres, has been a leading offshoring unit for Citigroup globally, providing employment opportunities in the areas of technology, processing, analytics and financial processes.

Citi India is also committed to enabling socio-economic progress in the communities where we live and work. Since 1999, Citi Foundation through its partnerships, has helped further the financial inclusion agenda through education, and has created livelihood opportunities for youth and marginalized families in India. In addition, Citi has been committed to preserving India’s heritage through its programs focused on art and culture. These efforts, over the past 16 years, have benefited more than 2.5 million people across the country. Citi India continues to promote an inclusive and responsible society through its various CSR initiatives.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

May 27: Citi India hosts its 12^th Global Community Day

FOR IMMEDIATE RELEASE
Citigroup Inc. (NYSE: C)
May 27, 2017

Citi India hosts its 12^th Global Community Day
5000 individuals to participate in 13 events over 2 weeks across 8 cities in India

Mumbai:On the occasion of Citi’s 12th Global Community Day, Citi India once again adopted ‘Swachh Bharat’ as its theme for its volunteering initiative. Over 5000 individuals engaged in 14 volunteering activities, across seven cities to demonstrate their commitment towards a Clean India. The activities included partnering with environmentalists for a meaningful beach clean-up in Mumbai; cleaning and greening schools to enable a progressively clean environment for education; providing a much needed face-lift to two iconic zoos in Pune and Chennai, among others.

The 2017 Citi Community Day continued on the lines of Citi’s efforts to involve local communities to consciously work together to ensure sustainable results at each of the locations that have its own requirements

The coast of Mumbai for instance, is battling a grave problem of garbage winding up on its beaches. Over 500 tons of garbage is believed to be dumped into the sea each day and most of these turn-up on the beaches surrounding the city. With the success of the previous year’s beach cleaning efforts in Dadar in Mumbai, Citi India has partnered with Afroz Shah a recipient of the top UN environmental honor, ‘Champions of the Earth Award’ for a more meaningful engagement at Versova beach. The objective is to not only scientifically employ Citi volunteers to clean-up, but to also raise awareness on the need of effective garbage disposal – especially plastic to ensure the preservation of the city’s environmental ecosystem.

In Pune, the Katraj Zoo is a 130 acre zoological park that houses an animal orphanage, a snake park as well as the zoo itself that is the only zoo in Maharashtra that shelters two pure-bred Asiatic lions that currently is the most sought attraction. With increased footfalls, the need is to revamp the exteriors of the zoo and re-establish its presence in the immediate communities as well as an iconic ‘go to’ place in the city. Recouping in the aftermath of cyclone ‘Vardah’ in December 2016, the Vandalur Zoo in Chennai on the other hand has been struggling to efficiently manage costs of preservation of its natural ecosystem, over the regular upkeep and maintenance of the animals and the place itself. Citi volunteers stepped-in to help streamline the scientific segregation of bio degradable and non-degradable waste to help preserve the natural ecosystem at the zoo. 1200 Citi volunteers stepped forward in support of the two events.

Besides this, at 8 locations across Bengaluru, Chennai Delhi, Gurugram, Hyderabad, Kolkata, Mumbai and Pune, over 3000 Citi Volunteers continued on its ‘Swacch Pathshala’ mission with activities involving children in their schools painting walls, cleaning corridors, planting trees, setting up or re-organising a school library, creating ‘Swacch Bharat’ collaterals and creating wall graffiti with the ‘Clean India’ message to ensure the propagation of the theme.

These initiatives continue to increase awareness and involvement among the local communities and encourage local citizens to step-in on the national mission of a clean and green India by 2019. This is the third year that Citi India has pledged its efforts to Swacch Bharat. Progressively, the initiative has seen participation increase threefold, with voluntary involvement not only from Citi employees, but also from Citi’s partners including - Tata Consultancy Services, HCL, Vitruosa Polaris, Wipro, Bloomberg and Larsen & Toubro.

"Global Community Day is one of the many ways Citi reinforces its commitment to make a difference in the communities it serves. This year, over 5000 Citi volunteers along with their families, friends and business associates worked alongside community partners across 7 locations in India, to support the Government’s mission to achieve the ultimate goal of cleanliness and hygiene for all, as defined by the Swachh Bharat Abhiyan," said Public Affairs Officer, Debasis Ghosh. "Over the last two years, over 4,800 Citi volunteers along with their friends and families have spent over 19,000 hours during Global Community Day to further the cause of the Swachh Bharat Mission," added Ghosh.

This year, Citi’s 12th annual Global Community Day will see Citi volunteers throughout the Asia Pacific, North America, South America, Europe, the Middle East and Africa leading in service of local communities.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinanc e, Enterprise Development, and Youth, Education & Livelihoods.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

Press Contacts:

George Koshy

Tel: +91 22 61756380

Email: george.koshy@citi.com

Apr 25: Citi India launches first completely ‘paperless’ cross-border payment solution for corporates

FOR IMMEDIATE RELEASE
Citigroup Inc. (NYSE symbol: C)
April 25, 2017

Citi India launches first completely ‘paperless’ cross-border payment solution for corporates

Aligns with the national agenda of improving ‘Ease of Doing Business’

Payment solution focuses on ‘Open Account” cross-border trade which increases transparency, efficiency and reduces turnaround time to less than three hours from the current same day processing

Citi India announces the launch of a new digital cross border payment solution that eliminates the need for multiple, underlying physical documents for cross-border trade payments. The solution substantially reduces time-, effort and cost of each transaction by facilitating quicker trade payments.

With Open Account import payments, Citi’s customers can now directly share import payment information with the bank, by simply quoting Reserve Bank of India’s (RBI) Import Data Payment and Monitoring System (IDPMS) number as against the earlier process of sharing multiple documents to support a single payment. This will be made available on Citi’s online banking platform – CitiDirect BE® for clients to initiate and authorize payments.

Trade Payment Process

Citi India worked closely with the Government of India and leveraged RBI’s IDPMS platform that digitally tracks imports to come up with this solution reducing the turnaround for cross border payments to less than three hours from the earlier same day processing. India’s $ 660 billion* cross border trade is currently ranked 143 in the World Bank’s ‘Ease of Doing Business’ report and could significantly benefit from solutions like these.

Debopama Sen, Head - Treasury and Trade Solutions, Citi South Asia said, "This is one giant step towards simplifying cross border trade payments which significantly improves efficiencies for our customers and enhances the digital experience. We are constantly on the look out to provide our institutional clients with solutions that help better manage their working capital, financial position, supply chains worldwide and securities portfolios.”

A partner who has already transitioned into the new solution,Sanjay Bhargava, Director, CFO and Company Secretary for Sony India said, “We are pleased to partner and implement Paperless import payments through Citibank. This will strategically help us to manage things better from our existing voluminous process of physical record keeping. It's always great to automate and streamline manual processes. We are confident that this good solution is a step in the right direction.”

Citi India handles trade transactions for over 6,000 large, medium and small corporates across industries. Globally, the industry analytics firm Coalition ranked Citi as the top bank last year in transaction banking, comprising trade finance and cash management services. The latest solution follows in-line with Citi’s continuous market leading digital solutions for its clients including being the first foreign bank to enable SWIFT as a channel for India’s corporate treasurers, and also the first foreign bank to launch a soft token smartphone solution to its multinational corporate clients across 80+ countries globally.

* As per the Ministry of Commerce’s March 31, 2017 data

About Citi Treasury and Trade Solutions

Citi Treasury and Trade Solutions (TTS), provides integrated cash management and trade finance services to multinational corporations, financial institutions and public sector organizations across the globe. With a full range of digital and mobile enabled platforms, tools and analytics, TTS continues to lead the way in delivering innovative and tailored solutions to its clients. It offers the industry’s most comprehensive suite of treasury and trade solutions including cash management, payments, receivables, liquidity management and investment services, working capital solutions, commercial and prepaid card programs, trade finance and services.

About Citi

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinance, Enterprise Development, and Youth, Education & Livelihoods.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

Apr 20: Swadhaar FinAccess Pilots Money Management App for Low Income Communities in Mumbai

FOR IMMEDIATE RELEASE
Citigroup Inc. (NYSE symbol: C)
April 20, 2017

Swadhaar FinAccess Pilots Money Management App for Low Income Communities in Mumbai

Mumbai:Citi Foundation and Swadhaar FinAccess, an NGO that works with low income communities, launched the pilot for a money management app ‘Swadhaar Saathi’, amongst 180 women from low income population across Ghatkopar, Bhandup and Thane areas. These selected women will be given mobile phones and data for three months to help understand their usage pattern, the support required in furthering their usage and the enablers and limitations in using the application. Citi Foundation helped support the development of the app along with bearing the cost for the data connections required to access and use it, while the 110 handsets for the pilot project are being sponsored by FIS payment solutions.

‘Empowering women to manage finances digitally’ by Swadhaar Saathi is a program spearheaded in partnership with the Citi Foundation as part of the 2015 India Innovation Grant Program. The program - encourages women in Mumbai to increase their bank account usage. The app will capture the socio-economic information of households or individuals, will suggest appropriate financial products The interface of the ‘Swadhaar Saathi’ app is graphic and simple and therefore can be easily used even by people with low literacy levels. The app can help keep track of their finances, help them to save for their goals, provide reminders for repayments, and suggest pension, loan, insurance and savings products for the future. Alongside the closed pilot, the application can be downloaded by other users within the Swadhaar FinAccess intervention locations in Mumbai, Gujarat and Rajasthan. The application will be available to everyone on Google Play Store after a few weeks of the pilot launch.

Veena Manakar, Founder and Director Swadhaar FinAccess said, “The digital financial infrastructure in India is being established at a blistering pace and supply of financial services for the mass market is exploding, outpacing any other market globally. The opportunity to mainstream the financially underserved is here. However, to do so, tools and trainers are needed to build the ability of consumers to use digital channels and services. The aim of our Money Management app- which has a Trainer app attached, is to help low income, low literacy clients to manage their financial health, be able to make appropriate choices and actively use formal financial services.”

Preeti Telang, CEO, Swadhaar FinAccess further added that, “The App will empower low income communities to make informed decisions when choosing products and will understand their financial health better. The app helps train the client for the digital India, and helps break the digital literacy barrier.”

Debasis Ghosh, Public Affairs Officer, Citi India said, “We believe it is important that weaker sections of our society participate and benefit from the larger digital ecosystem being created by the Government, in their journey to create a less cash society. Citi Foundation’s partnership with Swadhaar FinAccess to develop the ‘Swadhaar Saathi app’, helps to bridge the digital divide and in the long run, has the potential to become a financial planning companion for women from low income households”.

Further reiterating the commitment from Citi Foundation in furthering innovation in the Corporate Social Responsibility (CSR) space, he said, “The India Innovation Grant Program supports the talent and ingenuity of our development sector, and we are encouraged by the constant innovation being pursued to make India a more inclusive society”

About Swadhaar FinAccess

Swadhaar FinAccess (SFA) is not for profit organization (Est. 2005) based in Mumbai, India aiming for financial inclusion through the imparting of financial education and the facilitation of access to financial services to the urban low-income communities, predominantly through women.

About Citi Foundation:

The Citi Foundation works to promote economic progress and improve the lives of people in low-income communities around the world. We invest in efforts that increase financial inclusion, catalyze job opportunities for youth, and reimagine approaches to building economically vibrant cities. The Citi Foundation’s “More than Philanthropy” approach leverages the enormous expertise of Citi and its people to fulfill our mission and drive thought leadership and innovation. For more information, visit www.citifoundation.com

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Citi India offers consumers including Non Resident Indians, corporates and financial institutions, a comprehensive range of financial products and services. These include retail banking, mortgage finance, credit cards, personal loans, corporate and investment banking, foreign exchange, securities brokerage, transaction services and wealth management. Citi is an employer of choice and serves more than 2.3 million customers ranging from India's top corporate houses, multinationals operating in India, SME's, self-employed entrepreneurs, households and individuals. Citi India has leading market shares in a number of areas in India's banking industry, including credit cards, distribution of mutual funds, e-commerce banking, investment banking and foreign exchange. In addition, Citi India through its network of Citi Service Centres has been a leading offshoring unit for Citigroup globally, providing employment opportunities in the areas of technology, processing, analytics and financial processes.

Citi India is also committed to enabling socio-economic progress in the communities where we live and work. Since 1999, Citi Foundation through its partnerships, has helped further the financial inclusion agenda through education, and has created livelihood opportunities for youth and marginalized families in India. In addition, Citi has been committed to preserving India’s heritage through its programs focused on art and culture. These efforts, over the past 16 years, have benefited more than 2.5 million people across the country. Citi India continues to promote an inclusive and responsible society through its various CSR initiatives.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

For media queries:

George Koshy | george.koshy@citi.com | +91 9819808042

Apr 06: History textbooks to come alive in 3D for over 3 lakh students across 1000+ BMC schools in Mumbai

For Immediate Release
Citigroup Inc. (NYSE: C)
April 06, 2017

History textbooks to come alive in 3D for over 3 lakh students across 1000+ BMC schools in Mumbai

The 3rd Edition of the ‘Citi-CSMVS Museum on Wheels’ traveling exhibition to take the theme – ‘As it Happened: Historical Sources and How to Read Them’ to their doorsteps

Other Educational institutions can Invite the bus over by registering at http://citi.asia/INciticsmvs

Citi – CSMVS Partnership

‘The Museum on Wheels’ is a dedicated Museum bus carrying travelling exhibitions of the Museum to distant places in a customized air-conditioned bus. This bus is fully equipped with display cases for objects, interactive demo kits, art supplies, audio-visual equipment and digital media such as touch screens and digital tablets to set up exhibitions in semi urban and rural areas, aimed at providing information and insights into a wide range of subjects in a fun and interactive manner.

Conservation-Restoration of 150 important art objects

Publication and dissemination of case studies at the end of each year.

An Exhibition of the conserved objects at the end of each year that will be opened to the public and to invitees showing dramatic visuals of before and after treatment shots and processes.

Conferences to share learnings in the second and third year.

Invite the Bus by Registering here:
http://citi.asia/INciticsmvs

Mumbai: Citi India and the Chhatrapati Shivaji Maharaj Vastu Sangrahalaya (CSMVS) (formerly the Prince of Wales Museum of Western India) today kicked off the third edition of new exhibition this March on Indian History, ‘As It Happened: Historical Sources and How to Read Them’. The new exhibition brings history out of the school textbook and presents it in 3D. The bus now has the permission to reach out to over 1000 schools of the Brihan Mumbai Municipal Corporation (BMC) and aims to reach out to over 300,000 students from these schools alone, besides being accessible to other schools and educational institutions in and around Mumbai and Pune.

‘AS IT HAPPENED’ is a literal English translation of the Sanskrit word ‘Itihas’ meaning history. History leaves clues in its wake through objects of various materials. Different Indian cultures of different time periods have made specific use of these materials to create their own identity which became synonymous with that period, for example, the Bronze Age. Using sciences such as archaeology, numismatics, epigraphy, anthropology, oral histories and ethnography we are able to examine these objects as sources or clues that help us reconstruct history in its various aspects such as power and politics, social norms and faith, daily life, trade and art.

This exhibition highlights important developments in the history of India through objects and the scientific process of investigation which help in the reconstruction of history using material and oral sources. The exhibition will display various historical sources such as stone tools, pottery, coins, sculptures, manuscripts, textiles and archival materials. A copy of the Ashokan Edict and a 5th century Shiva sculpture from Parel will be displayed in this exhibition. The exhibition will also display some rare original first day covers and postal stamps from the Independence period. A copy of Laur Chanda manuscript will be juxtaposed with audio-visuals of members of the Rawat community singing the Laur Chanda ballads.

This exhibition also lays importance on the preserving these sources of historical studies for the future, thus talking about the Museum’s role in doing so, particularly ConservArte, the other Citi-CSMVS joint project. The project entails the restoration of 150 objects of national significance from the CSMVS Collection of various types and technologies. This exhibition aims to create educational interaction that would encourage imagination and articulate on topics that would otherwise be textual.

Bilwa Kulkarni, Education Officer, CSMVS said, “History is often thought to be boring and dull. The new exhibition aims to excite students into donning their detective glasses and looking closely at objects as history clues which helps them unravel the mysteries of the past.”

Debasis Ghosh, Public Affairs Officer, Citi India, said, “History is the bedrock on which our nation’s story, customs and traditions are built on and keep evolving, shaping our present and future. Therefore, it is our responsibility to promote awareness about our rich heritage. We are delighted by the encouraging response we receive with each passing journey the ‘Museum on Wheels’ makes, and are confident that the newest exhibition, will bring to life our past and inform our future with much creativity and adventure. Look forward to more schools and institutions inviting to their doorstep, the Museum on Wheels, as it embarks on this new journey.

The exhibition will roll out from 14th March 2017 and will travel to schools, colleges and various cultural and educational institutions. The Museum on Wheels team will also roll out a vibrant and engaging educational programme alongside the exhibition.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About the Chhatrapati Shivaji Maharaj Vastu Sangrahalaya (CSMVS)

The Chhatrapati Shivaji Maharaj Vastu Sangrahalaya, CSMVS Museum, is a premier museum and cultural institution of India. It is a not-for-profit organization opened to the public in 1922 and is governed by a Board of Trustees. Designed by George Wittet, a British architect in 1909, the museum building is a Grade I Heritage Structure and is a fine example of the Indo Saracenic style of architecture. The Museum houses a 60,000-strong multicultural collection of artifacts from Asia and Europe.

Feb 28: Citi Redefines the Gold Standard in Relationship Management

For Immediate Release
Citigroup Inc. (NYSE: C)
February 28, 2017

Citi Redefines the Gold Standard in Relationship Management

Mumbai: Citi, the global leader in wealth management services, today announced it is redefining the gold standard in relationship management with a unique and multi-dimensional digital value proposition for its high net worth customers. This next-generation tool is integrated on the Citi Mobile app and connects clients with their Relationship Manager instantly through in-app chat, audio and video calls that are archived for future reference. Clients can also converse with product experts, service relationship managers and branch managers, perform real-time and secure transactions, and upload documents.

“There has been a significant increase in wealth creation over the last decade across Asia, including India. At the same time, consumer expectations are rapidly being shaped by digitization trends, leading to digital channels becoming an integral part of daily lives. This presents us with a significant opportunity to engage with our Citigold clients, leveraging the power of the digital world, in a way that has never been done before,” said Anand Selvakesari, Asia Pacific Head, Global Consumer Banking, Citi.

Citi’s proprietary research indicated that affluent clients desire a higher degree of control over their finances and expect personalized services that seamlessly integrate with their connected lives. The research further highlights that clients look forward to engaging with Relationship Managers, instead of generic customer service representatives.

Speaking on the occasion, Kartik Kaushik, Country Business Manager, Global Consumer Bank, Citi India said, “Social media has redefined the way people engage personally and professionally, and clients expect their banks to provide a similar experience. They also believe that trust and human connect are as critical to wealth-related discussions, as are security and confidentiality. Citi now combines the power of social and digital with its rich global expertise in wealth management, to unleash a new paradigm in Citigold relationship management.”

This launch is part of a series of innovative solutions introduced by Citi, combining consumer insights and emerging technologies. Recently, the Bank launched voice biometrics authentication, e-chat on Citibank Online, wallet integration on digital platforms and Snapshot on Citi Mobile. Last week, the Bank announced the Citi Tech for Integrity Challenge.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinance, Enterprise Development, and Youth, Education & Livelihoods.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

Feb 20: Citi today announced the launch of Citi Tech for Integrity Challenge (T4I) in India

For Immediate Release
Citigroup Inc. (NYSE: C)
February 20, 2017

Citi today announced the launch of Citi Tech for Integrity Challenge (T4I) in India

Mumbai: Citi today announced the launch of Citi Tech for Integrity Challenge (T4I) in India. Tech for Integrity Challenge (T4I) is a global program from Citi that encourages technology innovators from around the world to create solutions to promote integrity, accountability and transparency in the public sector. This initiative from Citi, in collaboration with private and public sector partners, will offer technology companies an opportunity to innovate in the areas of financial transactions, cyber security, financial education, grievance redressal, cutting red tape, and other such areas.

In India, T4I is supported by the Ministry of Electronics and Information Technology (MeitY), the Digital India Foundation, and several leading private sector companies including IBM, PwC, Microsoft, MasterCard, Facebook, Let’s Talk Payments and Wipro. In 2015, Citi had launched the Citi Mobile Challenge in India and introduced the concept of open innovation in digital banking in the country. The launch of T4I extends this concept to the public sector and beyond.

Speaking on the occasion, Kartik Kaushik, Country Business Manager, Global Consumer Bank, Citi India, said, “We are delighted to bring the T4I initiative to India. The opportunity to leverage new technologies and introduce innovations that will accelerate digitization and foster transparency in the country, is unique and very satisfying. Encouraging open innovation and supporting innovators will continue to remain a strategic priority for Citi,”

As part of the T4I program, Citi and its partners will offer a structured virtual accelerator program including mentorship, webinars and workshops to innovators covering the commercial and technical aspects of their propositions. The tech solutions received through this program will be evaluated by a jury, and selected finalists will have an opportunity to showcase their innovations to a wide and knowledgeable audience at ‘Demo Day’ events to be held in June in Hyderabad for India, and in four other countries.

For more details including the application process for the Citi Tech for Integrity Challenge, please refer to the T4I website: www.techforintegritychallenge.com. Applications will be accepted until March 6, 2017.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinance, Enterprise Development, and Youth, Education & Livelihoods.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

Feb 15: Citi India Extends Live Chat Services for Customers

For Immediate Release
Citigroup Inc. (NYSE: C)
February 15, 2017

Citi India Extends Live Chat Services for Customers

Mumbai: Citi today announced the launch of instant chat services for customers logged in to Citibank Online (CBOL) in India. The real-time chat facility focuses on resolving queries instantly, in a safe environment, across cards, domestic and non-resident accounts, and loans, for clients as they transact online.

"The live chat functionality will transform the post login experience of our customers as they will be able to instantly connect with our service team while they bank on our secure site. The chat facility will address the customer’s need for help or clarification while logged into CBOL," said Kartik Kaushik, Country Business Manager, Global Consumer Bank, Citi India.

CBOL also features a regular chat facility for generic query resolutions. This was introduced to support non-account centric queries, such as requests for product features, branch locations and log-in assistance, amongst others. India is the first country in Asia Pacific within the Citi network, which spans 12 countries in the region, to launch the generic chat capabilities.

"The new chat facility does not require additional verification for the customer once logged in and authenticated. This feature, coupled with the recently launched voice biometrics authentication solution for CitiPhone, will transform the service paradigm for our customers. We believe these two chat options support digital penetration as online users can have a deeper engagement with the bank," said Anand Chopra, Head of Operations & Technology, Citi South Asia.

After logging in to CBOL, a customer who would like to use the post-login chat facility will need to click on the chat icon under the 'your queries' tab. An authentication OTP will be sent to the customer’s registered mobile number. Within a minute, a CitiPhone Officer can chat with the customer to help him or her navigate and transact on CBOL. The service will be available from 9.00 am to 9.00 pm.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinance, Enterprise Development, and Youth, Education & Livelihoods.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

Jan 13: The Citi Journalistic Excellence Award 2017: Recognizing Outstanding Business Reporting Around the World

For Immediate Release
Citigroup Inc. (NYSE: C)
January 13, 2017

The Citi Journalistic Excellence Award 2017: Recognizing Outstanding Business Reporting Around the World
Open to journalists in India to recognize their work in financial, economic and business topics; Winner to represent India in an international study seminar administered by the Columbia University Graduate School of Journalism, New York

Mumbai: Citi today announced the launch of the Citi Journalistic Excellence Award (CJEA) program. The program recognizes outstanding business reporting across the globe in the countries Citi operates in, to further support and advance quality journalism. Each country winner is provided the opportunity to attend a rigorous 8-day business and financial seminar in New York, administered by the prestigious Columbia University Graduate School of Journalism.

“We are extremely pleased with the level of interest from journalists in CJEA and the quality of applications received since the program’s launch in India. Given India’s growing importance in the global community, we believe international recognitions such as CJEA will continue to inspire young journalists to attain excellence in business reporting," said Citi India CEO Pramit Jhaveri.

Since CJEA’s inception in 1982, more than 300 talented journalists from over 100 media outlets in close to 40 countries have enhanced their professional development through participation in the study seminar. Journalists in India may enter CJEA by submitting an article of at least 750-words published within the 2016 calendar year. An independent judging panel, made up of academics and business leaders in the country, will draw up a shortlist of three individuals, which will then be sent to Columbia University Graduate School of Journalism for their consideration. Citi India will sponsor the scholarship, which includes travel and incidental costs to attend the study course, while the study course is administered by Columbia University Graduate School of Journalism.

The winner will be announced by the end of March and the study seminar will be held between May 30, 2017, and June 8, 2017, in New York. Selected journalists under the CJEA program will assemble in New York for the opportunity to participate in rigorous workshops in the principles of accounting and finance and exposure to a wide-ranging view of financial and economic issues, including those which affect their own countries. Journalists participate in sessions with leading Columbia University faculty members, engage in discussions with senior academicians and policy-makers, and visit key financial institutions and U.S. Government departments.

Journalists may apply to the program until February 10, 2017. The application must include:

Completed application form
Autobiographical essay of no more than 1,000 words WRITTEN IN ENGLISH describing your journalistic accomplishments and future plans; as well as a paragraph about what one hopes to get out of the seminar in New York
Headshot photograph
One sample of a published article of a minimum 750 words in the calendar year 2016 – Original and translated to English (if published in any Indian language)
Editor letter authorizing attendance at the Columbia seminar

Please note, previous award winners, and owners and directors of media companies are not eligible. For any questions and to make an entry, applicants may write to cjea.india@citi.com. Entry requirements and the application form may also be found on Citi India’s website (under the ‘about us’ section at Citi Journalistic Excellence Award at www.citibank.co.in)

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinance, Enterprise Development, and Youth, Education & Livelihoods.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

Jan 10: Citi India Launches Voice Biometrics Authentication

For Immediate Circulation
Citigroup Inc. (NYSE: C)
January 10, 2016

Citi India Launches Voice Biometrics Authentication
Voice Biometrics offers enhanced security, faster and more convenient authentication experience for consumer banking clients
Your Voice is Now your Password

Mumbai: Citi India today announced the launch of voice biometrics authentication for its consumer banking clients. The new technology allows clients to use their voiceprints for authentication rather than having to remember multiple PINs or respond to questions used for verifying their identities.

The voice biometrics authentication capability uses voiceprint, similar to fingerprint, which is unique to each person. The new authentication solution is fast, secure and convenient to use as verification is automatically completed within 15 seconds while clients speak with our CitiPhone officers when they call CitiPhone Banking, our 24-hour service hotline. This is a reduction from the average 45 seconds spent verifying their details currently. CitiPhone in India receives an average of 12.5 million calls annually.

When clients call CitiPhone Banking, they can choose to enroll for this service by having their voice recorded to generate their unique voiceprint. Each voiceprint will be uniquely tagged and cannot be emulated or reused once stored.

"This is another step to simplify our client experience and drive efficiencies for the bank. Voice biometrics authentication, coupled with our already launched e-Chat and Virtual Assistant features, are transforming the way we service the Citi customer in India. We anticipate a very high uptake for the use of voice biometrics authentication amongst our customers," Anand Chopra, Head of Operations & Technology for Citi South Asia.

"Voice Biometrics authentication can greatly add to the overall customer experience over the phone by allowing customers to focus on their work with the bank and learn more about our service offerings, rather than spending their time to recall information, in order to start transacting," said Kartik Kaushik, Country Business Manager, Global Consumer Bank, Citi India.

Voice biometrics authentication is being rolled out in phases in all 12 of Citi’s consumer banking markets in Asia Pacific, representing more than half of the bank’s 19 consumer markets globally.

Clients can enroll for the voice biometrics authentication by calling CitiPhone Banking, our 24-hour service hotline. Upon clients’ agreement, a recording will be made of their voice while speaking with a CitiPhone officer. The authentication system will analyze clients’ recording and create their unique voiceprint, which will be securely stored in the system. Thereafter, whenever clients call CitiPhone Banking, the voice biometrics authentication system will use the voiceprint to match the client’s identity at the start of any call, so that clients can directly proceed to banking services. The CitiPhone officer may ask additional security questions basis the nature of the transaction. For further details or to register for voice biometrics authentication, please call 1860 210 2484.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinanc e, Enterprise Development, and Youth, Education & Livelihoods.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

Jan 06: Citi Reduces Home Loan Rate to 8.8% from 9.5%

For Immediate Release
Citigroup Inc. (NYSE: C)
January 06, 2017

Citi Reduces Home Loan Rate to 8.8% from 9.5%
New rate effective January 9, 2017

Mumbai: Citi India today announced it will reduce its home loan rate to 8.80 percent from 9.50 percent, effective January 9, 2017. Citi offers a wide range of mortgage products and features to complement different life stages and financial goals for customers in India.

“The reduction in the home loan rate is reflective of our commitment to consumers who may be interested in purchasing under-construction or ready-to-move-in property,” Rohit Ranjan, Head of Secured Lending, Citi India said.

The final pricing on the loan will be based on the loan amount, product or facility type offered, and internal Citi loan risk assessment parameters.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinanc e, Enterprise Development, and Youth, Education & Livelihoods.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

Debasis Ghosh	Tel: +91-22-6175-6385	Email: debasis.ghosh@citi.com
Jasudha Kirpalani	Tel: +91-22-6175-6384	Email: jasudha.kirpalani@citi.com

Debasis Ghosh	Tel: +91-22-6175-6385	Email: debasis.ghosh@citi.com
Jasudha Kirpalani	Tel: +91-22-6175-6384	Email: jasudha.kirpalani@citi.com

Citi India
Debasis Ghosh	Tel: +91-22-6175-6385	Email: debasis.ghosh@citi.com
Jasudha Kirpalani	Tel: +91-22-6175-6384	Email: jasudha.kirpalani@citi.com
MasterCard
Deepali Grover	Tel: +91-12-4483-6037	Email: deepali_grover@mastercard.com

Citi India
Debasis Ghosh	Tel: +91-22-6175-6385	Email: debasis.ghosh@citi.com
Jasudha Kirpalani	Tel: +91-22-6175-6384	Email: jasudha.kirpalani@citi.com
MasterCard
Deepali Grover	Tel: +91-12-4483-6037	Email: deepali_grover@mastercard.com

Participant Name	Institute
Aparajita Puri	Faculty of Management Studies, Delhi
Namratha B Swamy	IIM, Bengaluru
Anusha Bhushan	IIM, Kolkata
Wamika Mimani	IIM, Lucknow
Aditi Sholapurkar	IIM, Ahmedabad
Nupur Gupta	IIM, Kozhikode
Tasneem Nawab	JBIMS, Mumbai
Abha Ajmeera	SPJIMR, Mumbai
Priya Jain	XLRI, Jamshedpur

Debasis Ghosh	Tel: +91 22 61756385	Email: debasis.ghosh@citi.com
George Koshy	Tel: +91 9819808042	Email: george.koshy@citi.com

Jasudha Kirpalani	Tel: +91 22 61756384	Email: jasudha.kirpalani@citi.com
George Koshy	Tel: +91 22 61756380	Email: george.koshy@citi.com

Participant Name	Institute
Prerna Sharma	Faculty of Management Studies, Delhi
V Shiva Nanditha	IIM, Bengaluru
Surbhi Kant	IIM, Kolkata
Sruti Kesari	IIM, Lucknow
Soumi Ghosh	IIM, Ahmedabad
Janani Ganesh	IIM, Kozhikode
Prajakta Ramteke	JBIMS, Mumbai
Aditi Agarwal	SPJIMR, Mumbai
Malvika Verma	XLRI, Jamshedpur

Participant Name	Institute
Neha Garg	Faculty of Management Studies, Delhi
Reema Mukherjee	IIM, Bengaluru
Maanvi Ahuja	IIM, Calicut
Ipsita Pal	IIM, Lucknow
Saumya Sen	IIM, Ahmedabad
Sruti Ravi	IIM, Kolkata
Reena Damani	JBIMS, Mumbai
Aditi Sharma	SPJIMR, Mumbai
Bhavna Khar	XLRI, Jamshedpur

Participant Name	Institute
Radhika Agarwal	Faculty of Management Studies, Delhi
Khushboo Saraf	IIM, Bengaluru
Aparna Girdhar	IIM, Calicut
Kritika Tandon	IIM, Lucknow
Divya Suresh	IIM, Ahmedabad
Aparna N Pillai	IIM, Kolkata
Pradnyesha Rode	JBIMS, Mumbai
Prarthana Bagrodia	SPJIMR, Mumbai
Tania Roychowdhury	XLRI, Jamshedpur

Asset Recognition	Deal	Citi’s Role
Best sustainability-linked bond - Financial institution	Axis Bank US$600 million sustainable Basel III-compliant additional tier 1 perpetual securities	Global coordinator, bookrunner and lead manager
Best green bond - Renewable energy / Hydro	JSW Hydro Energy US$707 million senior green notes	Bookrunner and lead manager
Best green bond - Transport	Cliffton Limited US$450 million secured green notes	Global coordinator and bookrunner
Best IPO	Zomato US$1.3 billion IPO	Bookrunning lead manager
Best corporate bond	Bharti Airtel US$1.25 billion senior notes & subordinated perpetual securities	Bookrunner and lead manager
Best bank capital bond	HDFC Bank US$1 billion additional tier 1 subordinated notes	Global coordinator, bookrunner and lead manager
Best new bond	Wipro Limited US$750 million senior notes	Global coordinator and lead manager
Most innovative deal	Summit Digitel Infrastructure Private Limited US$500 million senior secured notes	Global coordinator and bookrunner
Best leveraged buyout	Blackstone US$820 acquisition financing for the purchase of 82% stake in Mphasis Limited	Mandated lead arranger, underwriter and bookrunner

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