花旗银行介绍PPT
《花旗银行活动方案》课件
提高业绩
通过活动推动银行客户和业务 的增长。
活动内容
1
活动时间及地点
2022年6月，在上海、北京、深圳、
参与人群
2
天津、广州举行。
个人、小微企业和机构客户。
3
活动形式
一场全面的、创意的银行体验活动， 涵盖VR、AR、交互式体验、云端服 务等。
活动亮点
1 互动环节
定制化银行体验和互动游戏，让客户参与进来，亲身感受花旗银行的服务和理念。
市场需求
市场对于创新体验的需求与日俱增。
品牌提升
花旗希望通过此次活动提升品牌知名度和影 响力。
银行业态
传统银行业态逐渐落后，需要寻找更多元化 的发展策略。
用户挽留
在新业态下，提升忠诚度是当前银行行业的 共同任务。
活动目的
启发创新
通过活动启发客户创新思维， 同时激励银行的创新与探索。
建立互动
为客户、部门和供应商提供一 个互动的平台。
《花旗银行活动方案》 PPT课件
本次花旗活动将为您呈现一次非凡的银行体验，让您感受创新体验的魅力。
要
成立于1812年，总部位于纽约， 个人、商业和企业银行业务以
是全球四大银行之一。
及信用卡自有品牌Citi Card。
分布情况
遍布全球，拥有160多个国家 和地区。
活动背景
• 客户对花旗银行品牌 提升的效果非常积极
• 业界较为看好花旗银 行的发展前景
改进建议
• 简化活动内容和规则， 提高用户体验
• 优化奖项设置，提高 吸引力
• 加强推广和宣传，提 高活动影响力
后续计划
1
活动总结
进行活动总结，总结活动的亮点，查
精美简约花旗银行专用PPT模板
PART THREE 进度安排
PART FOUR 预算需求
01
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02
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“开始”面板中可以对字体、字号、颜色、行距等进行修改。建议正文10号字，1.3 倍字间距。
CONTENTS 目录
PART ONE 行业分析
PART TWO 项目目的
PART THREE 进度安排
PART FOUR 预算需求
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01
关键词
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花旗银行个人银行业务简介及风险管理工具案例分析ppt课件
• 而在这种管理机制下,花旗集团的利润是由几十个业务单元所组成的利润中心来获得. 各业务单元CEO都有独立人事权,财权及 P &L (利润和损失职责). 相关的几个业务单 元又组成一个更大的利润中心
信用卡总裁 (2004年利润) 三千万客户 389 亿净利润
Russell Schaub 个人金融业务总经理
个人汽车贷款, 个人房产净价值抵押贷款
个人定期定额贷款
个人资产业务总裁 P & L 职能
个人资产业务首 席财务官
CFO
个人房 贷
CEO
学生贷款 CEO
个人资产业务 人事总监
HR Head, S.V.P
花旗银行个人银行业务 简介及风险管理工具案例分析
邓凯 二00五年三月
;.
1
Sandy Weill 花旗集团董事长兼总裁
Robert Willumstad 花旗集团美国个人业务总裁
Carl Levinson 个人资产业务总裁
个人房贷总裁 五千亿余额
花旗集团1999年 图表
学生贷款 总裁
邓凯 市场营销经理
一九九九年五月, 花旗银行 个人金融业务面临严峻挑战
• 无抵押个人信贷 “定期定额贷款” 严重亏损 • 当初预计每年信贷损失低于5.5%,而实际现每年信贷损失高于6.6% • “定期定额贷款”占总贷款额的80% (除汽车贷款以外) • Robert Willumstad 下令停止此业务 • 个人金融业务总经理饭茶不思 (很郁闷!)
花旗银行战略转型分析页PPT文档
客户拓展战略 从“外”行变 为“内”行
业务竞争战略
战略体系提出
现状分析 整体战略 市场扩张 客户拓展 业务竞争
市场扩张
战略体系
如何成功本 土化转型
客户拓展
业务竞争
战略地图绘制
参股本土银行，解决网点瓶颈 存款立行，进军农村信贷市场 关注监管动向，考虑A股上市 围绕三大目标客户开展竞争 采取积极进取型的差异化策略
中国内地已成外资 银行隐重形要市利场润壁来垒源
自当 前201国9 年内1的2 月诚1信1 日管 起理 ，体 中制尚国 不银完行 业备进，入由全于面外 开资放银 时行 代对 。本 外土文资 化银和行 全商面业经环营境了人 解民程币 业度 不务 如， 中外 资资银法行人， 银在行业成务立扩展和 上布将点 速面度对加更快加。复 杂的 环境。
数据来源：银监会
中国银行业
花旗Байду номын сангаас行
SWOT分析
与此同时，中资银行业整体规模及盈利能力在不断攀升，中间 业务，但主宏要观是经理济财形产势品给的银发行行业快的速盈扩利张构，成各了类巨银大行压间力市。场份额 也相当稳固。
潜在的压力还包括： 1、多层次资本市场逐步完善，分流银行业务 2019 年以来，随着政策放宽，资本市场高效的融资效率和较高 的估值吸引了大量企业通过直接融资的方式再融资。 大量的创投也开始涌现，创业板的即将推出为中小企业的融资 提供了平台， 随着我国直接融资市场的逐步完善，商业银行依 赖于息差的传统的盈利模式将受到较大冲击。 2、贷款增速过快，潜在风险已经显现 从2019年三季度以来，央行实施适当宽松的货币政策使得商业 银行新增贷款过快，从而使不良贷款率表面上出现了下降的现 象，但其风险实质上暂时还难以评估。
国际企业-花旗银行共22页PPT资料
1865年，花旗银行加入新组建的美国国民银行系统， 英 文名称改为：The National City Bank of New York。
花 旗 银行
银行历史 业务介绍 企业文化 花旗在中国
银行历史
1812年6月16日， 纽约州特许设立花旗银行， 其英文名称 为“City Bank of New York”.9月14日，花旗银行在华尔街52号开 业，为纽约的一些商户提供服务。银行总裁是塞缪尔.奥斯古 德上校，他曾在独立战争中与乔治.华盛顿并肩作战。
企业文化
以人为本：企业文化的核心花旗银行自创业 初始就确立了“以人为本”的战略，十分注重对 人才的培养与使用。它的人力资源政策主要是不 断创造出“事业留人、待遇留人、感情留人”的 亲情化企业氛围，让员工与企业同步成长，让员 工在花旗有“成就感”、“家园感”。花旗银行 CEO森地威尔的年薪高达1.52亿美元，遥居美国 CEO的前列。即是它“待遇留人”口号的体现。
1955年，花旗银行英文名称更改为The First National CitiBank of New York。
1961年，花旗银行创立可转让定期存单。 新成立的花旗 银行海外投资公司成为该银行境外分支机构的控股公司。，使 其可以扩展并提供新的金融服务。 其他银行纷纷效仿。
1893年，花旗银行就其存款及资产而言， 名列纽约市各 银行之首。
1897年，花旗银行在美国银行业率先设立外汇部， 开始 从事外汇买卖业务。
1902年，在伦敦、上海、香港、横滨、马尼拉、 新加坡 及旧金山开设分行， 成为1918 年收购的International Banking Corporation的国际业务网络的核心。
花旗银行历史背景和产业发展PPT课件
开设分行
• 20世纪初，纽约国民银行开始积极发展海外业务， 1902年，该行在伦敦开设了它的第一家国外分行， 到1915年持有万国宝通银行之前，纽约国民城市 银行已在拉美、远东及欧洲建立了37家分支机构 （Muro，1984，p.47）。万国宝通银行成立于 1901年，当时主要是为了发展对中国及菲律宾的 贸易，次年它在上海成立了美国在华的第一家银 行分行，不久又相继在远东其他地区设立海外分 行32家。通过兼并万国宝通银行，纽约城市银行 的海外分支网络扩大了近一倍。到1939年，花旗 银行（1927年以后，纽约城市国民银行的中文行 名改为花旗银行）在海外的分支机构已达到100家。
THANK
YOU
SUCCESS
2019/4/26
开拓新业务
• 20世纪20年代花旗银行开始 开拓零售银行业务。1921年成 立了第一家专对个人服务的分 行，1928年成为首家提供个人 贷款的商业银行，70年代花旗 银行的零售银行业务又获得了 新的发展，它成为美国VISA卡 与万事达卡的最主要发行者之 一。1977年，花旗银行率先大 规模将ATM机引入银行系统，目 前，花旗银行已是美国最大的 信用卡发行者。为把零售金融 业务推向全球化同时扩展分销 渠道，花旗集团于2000年11月 收购Associates First Capital设于15个国家的共2， 600家分行，成为全球首屈一指 的零售金融企业。
itibank
花旗银行（ Citibank ）是 花旗集团（Citigroup） 属下的一家零 售银行，其主要前身是 1812 年 6 月 16 日 成立的“纽约城市银行”（ City Bank of New York ），经过近两个世纪的发 展、并购，已成为美国最大的银行，也 是一间在全球近五十个国家及地区设有 分支机构的国际大银行，总部位于纽约 市公园大道399号。 2005 年 3 月 31 日，花旗集团 控股的12家美国花旗银行的国内存款总 额 为 2043.5 亿 美 元 ， 资 产 总 额 为 9352.36 亿美元；这些数字并不包括花 旗银行的海外机构。 2009年1月17日花旗集团一分为二： 花旗公司和花旗控股公司。 花旗银行在2008年度《财富》全球 最大五百家公司排名中名列第十七。
花旗银行
第一花旗银行大楼
ห้องสมุดไป่ตู้
花旗银行是在中国开办业务的第一家美国银行.1902年5月15日,花旗银行的前身之 一「国际银行公司」(International Banking Corporation)在上海开设分行,这 也是花旗银行在亚洲的第一家机构.同年,国际银行公司于7月1日在新加坡与马尼 拉,于10月8日在横滨,于12月8日在香港分别开设另外四家机构.1964年8月3日, 花旗银行在台北开设分行.花旗银行在澳门的业务则开始于1983年5月27日.1995年, 在离开45年后,花旗银行重新在中国大陆常规办理业务,已在北京, 广州,上海, 深圳,天津,成都开设了分行. 在中国大陆和台湾,Citibank均译作「花旗银行」, 在香港与纽约的华人小区则使用「万国宝通银行」(可能源自 International Banking的名字);2001年年底,香港使用的中文名改为与中国及台 湾相通的「花旗银行」.
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美国花 旗银行: 旗银行 中国A股 中国 股 2007年 年 将下跌 20%
据媒体报道,花旗银行副总裁兼投资策 略及研究部主管潘国光表示,过去两年A股 指数基金溢价偏高,较A股本身溢价30-50%, 反映外资对A股需求殷切;不过,他预期, 即使今年资金不会从亚洲股市大幅抽走,亦 不会再高增长地流入区内. 他续指出,现时内地A股与本港H股的升 势,主要是基金流向主导,其中包含很多情 绪因素,但股市升幅将不会持续由资金追逐 去推动,相信今年投资者会转回以股份基本 因素及基本价值选股,股市再由估值主导去 向;该行认为,内地与香港股市较全球及新 兴市场平均估值偏高,内部更估计恒指合理 价值在20,000点以下;然而,散户仍有时机 入市短炒,只是他预料今年内地股市会大幅 调整近20%水平.
citibank 花旗银行全方位分析
Datamonitor USA 245 5th Avenue4th Floor Datamonitor EuropeCharles House108-110 Finchley RoadDatamonitor GermanyKastor & PolluxPlatz der Einheit 1Datamonitor Hong Kong2802-2803 Admiralty CentreTower 1Citibank, N.A.Company ProfileReference Code: 12678Publication Date: Jul 2004ABOUT DATAMONITORDatamonitor is a leading business information company specializing in industryanalysis.Through its proprietary databases and wealth of expertise, Datamonitor providesclients with unbiased expert analysis and in depth forecasts for six industry sectors:Healthcare, Technology, Automotive, Energy, Consumer Markets, and FinancialServices.The company also advises clients on the impact that new technology and eCommercewill have on their businesses. Datamonitor maintains its headquarters in London, andregional offices in New York, Frankfurt, and Hong Kong. The company serves theworld's largest 5000 companies.Datamonitor's premium reports are based on primary research with industry panelsand consumers. We gather information on market segmentation, market growth andpricing, competitors and products. Our experts then interpret this data to producedetailed forecasts and actionable recommendations, helping you create new businessopportunities and ideas.Our series of company, industry and country profiles complements our premiumproducts, providing top-level information on 10,000 companies, 2,500 industries and50 countries. While they do not contain the highly detailed breakdowns found inpremium reports, profiles give you the most important qualitative and quantitativesummary information you need - including predictions and forecasts.All Rights Reserved.No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior permission of the publisher, Datamonitor plc.The facts of this profile are believed to be correct at the time of publication but cannot be guaranteed. Please note that the findings, conclusions and recommendations that Datamonitor delivers will be based on information gathered in good faith from both primary and secondary sources, whose accuracy we are not always in a position to guarantee. As such Datamonitor can accept no liability whatever for actions taken based on any information that may subsequently prove to be incorrect.TABLE OF CONTENTSCompany Overview (4)Key Facts (4)Business Description (5)History (6)Key Employees (8)Major Products And Services (10)Products And Services Analysis (11)SWOT Analysis (15)Top Competitors (20)Locations and Subsidiaries (21)Company OverviewCOMPANY OVERVIEWCitibank is the consumer and corporate banking division of leading financial servicescompany Citigroup. The company has operations in around 1,700 locations, in morethan 40 countries worldwide. Citibank offers such banking staples as basic bankingaccounts and investment services, through such brands as Citicorp InvestmentServices, CitiTerm life insurance and CitiPhone banking. The firm also cross-sellsproducts form its parent company, and other subsidiaries of Citigroup. Citibank isheadquartered in New York.Citibank has no published revenues for 2003. The company’s revenues are detailedwithin the Citigroup (Parent company) published accounts for 2003.KEY FACTSHead Office Citibank, N.A.399 Park AvenueNew YorkNY 10022United StatesPhone+1 212 559 1000Fax+1 212 793 3946Web Address Revenues/turnover45883(US$ Mn)Financial Year End DecemberEmployees129545SIC Codes SIC 6011 Federal Reserve BanksSIC 6019 Central Reserve Depository Institutions, NECSIC 6021 National Commercial BanksSIC 6712 Offices of Bank Holding CompaniesNAICS Codes52111, 522298, 52211, 52221, 551111Business DescriptionBUSINESS DESCRIPTIONCitibank delivers a wide array of banking, lending and investment services toindividual consumers, small businesses, large corporations and governments, as wellas institutional and individual investors.The company divides its operations into three sectors: personal finance, smallbusiness and corporate/institutional. There is some overlap in the products betweenthe divisions. For example, products such as credit cards and insurance are offered inmore than one sector, but this is all part of Citibank’s policy to offer solutions to caterfor any financial situation.Citibank’s financial center network is comprised of local offices and complemented bythe group’s electronic delivery systems, including ATMs and the World Wide Web.Specific products and services include basic banking accounts and investmentservices offered through Citicorp Investment Services, CitiTerm life insurance,CitiPhone banking, and CitiGold accounts, which integrate banking, borrowing, andinvestment services. Among the many credit card solutions for individuals andbusinesses are the Citi Smart Card, Citi Advantage Card, Citi Platinum Select Card,and Citi Platinum Select Advantage Business Card.Citibank also operates an Internet banking site offering consumer and small businessproducts and services. At , consumers may sign onto their Citi card,bank and brokerage accounts, locate Citibank Financial Centers and ATMs globally,access personal finance content and use a wide variety of financial tools, among otherfunctions.As well as operating within its domestic market, the company has extensiveoperations in Asia, covering China, Hong Kong, India, Japan, the Philippines andSingapore. It also has offices in Europe, Latin America, the Middle East and Africa.Citibank focuses substantial resources on growth in emerging markets. The companyoffers two transaction banking businesses for these areas - eBusiness, eCommerce,cash-management and electronic-banking business; and Citibank global securitiesservices, which provides securities-related services such as custody, clearing, agencyand trust, and depositary receipts. In addition, its sales and trading business providescapital markets products to clients.HISTORYCitibank was founded in 1812 as the City Bank of New York. City Bank joined the newUS national banking system in 1865 and became The National City Bank of New York.By 1894, the company had become the largest bank in the US.The company began its international operations in 1902 with the opening of offices inAsia, including Shanghai and Manila. Meanwhile in 1914, National City inauguratedthe first foreign branch of any US national bank, in Buenos Aires. An office in Rio deJaneiro opened in 1915.Citibank expanded its operations in 1918 with the acquisition of International BankingCorporation, a US overseas bank. By 1929, the bank had become the largestcommercial bank in the world. Expansion was accelerated that year with a merger: theFarmers’ Loan and Trust Company became the City Bank Farmers Trust Company.Meanwhile, in 1955, the bank changed its name to The First National City Bank ofNew York. 1961 saw First National City Overseas Investment Corporation become thebank’s holding company for non-US-based subsidiaries and affiliates. The bankmarked its 150th anniversary in 1962 by shortening its name to First National CityBank.In the 1970s, the company changed its name again. First National City Bank becameCitibank, N.A. (for National Association) in 1976, while the First National CityCorporation holding company changed its name to Citicorp to better suit its globalbusinesses.The company further expanded its businesses in 1981 with the purchase of DinersClub. By 1992, Citibank, N.A. had become the largest bank in the US. Meanwhile, in1993, the company merged the savings banks it acquired in the 1980s and beganoperating them as Citibank, FSB under a single charter.International expansion in the 1990s included the opening of the first fully foreignowned commercial bank in Russia (1994), and the first full service branch in China(1995). It also opened branches in Vietnam and South Africa.Citibank was merged into Citigroup in 1998 after all Citicorp and Travelers Groupdivisions merged to become Citigroup Inc.1999 saw Citibank enhance international growth with the purchase of FinancieroAtlas, the second largest consumer finance company in Chile. The following year sawthe company become the first international bank to open a full-service branch in Israel. Further international purchases that year included the Hungarian retail activities of ING Bank.In 2001, Citibank and China Merchants Bank issued China’s first international travel cash card, Visa Travel Money. Moreover, in 2002 Citibank announced it was to open retail-banking operations in Moscow, making it the first US bank to launch commercial operations in the country.In April 2002, Citibank announced a cooperation agreement with Galaxy Securities, China’s leading brokerage. The pact entailed Citibank providing advice to Galaxy, sharing expertise on securities and banking issues, as Galaxy prepared for the influx of competition spawned from China’s entry into the World Trade Organization. In return, Citibank waited for the relaxation of Chinese laws before it made a significant impact in the marketplace.In early November 2002, Citibank’s parent Citigroup announced the completion of the acquisition of Golden State Bancorp for $2.3 billion. Golden State was subsequently merged into Citibank. This move succeeded in expanding Citibank’s branch network in California fourfold.In January 2003, Citibank’s interest in the Chinese banking sector was furthered when it emerged that it was to purchase a minority stake in China-based Shanghai Pudong Development Bank.In December 2003, was ranked number one in online banking in the recent 2003 fourth quarter scorecard by Gómez, the Internet benchmarking and improvement strategies firm.Citibank, in February 2004, launched Citibanking, a new proposition aimed to providing more comprehensive banking services and sophisticated tools to meet the financial needs of the middle-income group in Hong Kong. The company also launched Citibanking in Malaysia in March 2004.In May 2004 Citibank and Cathay Pacific Airways launched the first co-brand credit card for frequent travelers.In June 2004 opened its first dedicated CitiGold Wealth Management Center. The new center was opened to meet growing demand fro wealth management services in Shanghai.KEY EMPLOYEESName Job Title Board Compensation Robert B. Willumstad President, CEO and Director Executive BoardWilliam R. Rhodes Chairman Non Executive BoardAlan S. MacDonald Vice Chairman Non Executive BoardTodd S. Thomson Director Non Executive BoardSir Deryck Maughan Director Non Executive BoardThomas W. Jones Director Non Executive BoardMarjorie Magner Director Non Executive BoardAnne MacDonald Head of Marketing Senior ManagementKEY EMPLOYEE BIOGRAPHIESRobert B. WillumstadBoard: Executive BoardJob Title: President, CEO and DirectorBob Willumstad is the president and COO of Citigroup. He is a member of theCitigroup management and business heads committee. Mr. Willumstad is on theboard of directors of Citigroup and is CEO and president of Citibank NA and serves onits board of directors.Alan S. MacDonaldBoard: Non Executive BoardJob Title: Vice ChairmanAlan S. MacDonald is the vice chairman of Citibank and Citicorp. He is also a memberof Citigroup’s corporate and investment bank operating committee, Internet operatingcommittee and Citigroup management committee.MAJOR PRODUCTS AND SERVICESCitibank is the consumer and corporate banking division of leading financial servicescompany Citigroup. The company has operations in around 1,700 locations, in morethan 40 countries worldwide. Citibank offers the following products and services:- Banking services- Credit cards- Mortgages- Loans- Investments- Planning/Retirement solutions- Insurance- Small business services- Corporate/Institutional services:- Asset management- Government services- Business Insurance- Private bankingPRODUCTS AND SERVICES ANALYSISThe following analysis is of the finances of Citigroup, Citibank’s parent, for the full year2003:In 2003, Citigroup’s revenues increased 9% on 2002, reaching $77.4 billion,outpacing expense growth of 5%. The majority of this growth was organic, largely as aresult of continued momentum with clients in an improved market environment. Netincome from continuing operations of $17.85 billion was up 33% from the prior year.In 2003 the company segmented its operations into five main groups; Globalconsumer group; Global Corporate & Investment group; Global InvestmentManagement; Private Client Services and Proprietary Investment Activities.Global Consumer groupThe Global Consumer group generated revenues of $41,195 million in 2003, up 8.5%on the previous year accounting for 53.2% of total revenues. Global Consumerreported net income of $9.648 billion in 2003, up $1.396 billion or 17% from 2002,driven by double-digit growth in Retail Banking and Cards, that was partially offset bya decline in Consumer Finance. Retail Banking net income increased $1.145 billion or38% in 2003 primarily due to the impact of the Golden State Bancorp (GSB)acquisition and strong international growth including improvement in Argentina.Cards net income increased $550 million or 18% in 2003 mainly reflecting the additionof the Sears and Home Depot portfolios, growth in Citi Cards and Asia, and lowercredit losses in Latin America. Consumer Finance net income decreased $271 millionor 12% in 2003 primarily due to continued weakness in Japan, partially offset bygrowth in North America, including the acquisition of GSB, and in EMEA. The Globalconsumer group accounted for 55% of total net income in 2003.Consumer Finance reported net income of $1.928 billion in 2003, down $271 millionor 12% from 2002, principally reflecting a decline in International Consumer Financeresulting from continued weakness in Japan. Thee decline was partially offset by theacquisition of GSB in November of 2002 and a $94 million release of a tax reserverelated to a settlement with tax authorities, which increased income in Japan.Net income of $2.199 billion in 2002 grew $294 million or 15% from 2001, primarilyreflecting revenue growth and continued efficiencies resulting from the integration ofAssociates in North America, partially offset by higher net credit losses in the US andJapan. The consumer finance segment accounted for 19.8% of total Consumer group income and 24.3% of Consumer group revenue.Revenues, net of interest expense, of $10.003 billion in 2003 increased $196 million or 2% from 2002. The increase in revenue reflected growth of $490 million or 8% in North America, partially offset by a decline of $294 million or 8% in International Consumer Finance. Revenue growth in North America was primarily driven by growth in receivables, which included the addition of the GSB auto portfolio, partially offset by declines in insurance-related revenue.Global Corporate & Investment Banking groupThe Global Corporate & Investment Banking group generated revenues of $20,040 million in 2003 accounting for 25.9% of total revenues. The group reported net income of $5.387 billion, $3.159 billion, and $4.392 billion in 2003, 2002, and 2001, respectively. The increase in 2003 net income reflects increases of $1.379 billion in Other Corporate, primarily reflecting the absence of a $1.3 billion after-tax charge in 2002 related to the establishment of reserves for regulatory settlements and related civil litigation, $637 million or 16% in Capital Markets and Banking, and $212 million or 38% in Transaction Services. This segment accounted for 31% of total income in 2003.Private Client servicesPrivate Client Services reported net income of $778 million in 2003 compared to $799 million in 2002 and total revenues of $5,827 million accounting for 7.5% of total revenues. Private Client Services net income decreased $21 million or 3% during 2003, primarily due to a higher effective tax rate and increased legal, advertising and marketing costs. This segment accounted for 4% of total income in 2003.Global Investment ManagementThe Global Investment management segment generated revenues of $8,688 million in 2003 accounting for 11.2% of total revenues. Global Investment Management reported net income of $1.696 billion in 2003, which was up $173 million or 11% from 2002. Life Insurance and Annuities net income of $751 million in 2003 increased $134 million compared to 2002, reflecting a $219 million or 39% increase in Travelers Life and Annuity (TLA) to $781 million, partially offset by a decrease of $85 million in International Insurance Manufacturing (IIM).The increase in TLA’s income was primarily driven by higher net realized insurance investment portfolio gains of $236 million, higher business volumes, and lower taxes, partially offset by higher deferred acquisition cost (DAC) amortization and reduced investment yields. The IIM net loss of $30 million in 2003 represented a decrease in income of $85 million from 2002, driven by impairments of Argentina Government Promissory Notes (GPNs) of $114 million and the impact of certain liability restructuring actions taken in the Argentina voluntary annuity business of $20 million, partially offset by increases in Asia of $24 million and Mexico of $20 million.Private Bank net income of $551 million in 2003 was up $88 million or 19% from 2002, primarily reflecting increased investment management and capital markets activity, lending activity, and a lower provision for credit losses, partially offset by higher expenses, reflecting incentive compensation expense associated with higher revenues and higher other employee-related costs, and the impact of narrowing interest rate spreads. Asset Management net income of $394 million in 2003 was down $49 million or 11% from 2002, primarily reflecting the impact of impairments in Argentina and reduced fee revenues, partially offset by the cumulative impact of positive net flows and lower expenses. Global Investment management accounted for 10% of total income in 2003.Proprietary Investment activitiesProprietary Investment Activities reported revenues, net of interest expense, of $1.008 billion in 2003, increased $1.043 billion from 2002 reflecting higher Private Equity results of $1.420 billion, primarily from higher net mark-to-market gains on public securities, higher net impairment/ valuation revenues, higher fee revenues and lower funding costs, partially offset by lower Other Investment Activities revenues of $377 million. The decline in Other Investment Activities was driven by the absence of the 2002 gain on the sale of 399 Park Avenue of $527 million, partially offset by higher fee revenues in CAI and dividends from TPC shares. This segment accounted for 1.3% of total revenues in 2003.Corporate/OtherCorporate/Other reported revenues, net of interest expense, of $687 million in 2003, which decreased $98 million from 2002, were primarily due to lower intersegment eliminations, partially offset by higher net treasury results. The treasury increase resulted from a gain on the sale of a convertible bond and favorable interest rate positioning, partially offset by lower realized gains on fixed income investments. This segment accounted for the remaining 0.9% of total revenues.Geographical breakdownThe US represents the biggest market of Citigroup accounting for 64% of total net income in 2003. Asia accounted for 10%; Japan 4%; Mexico 8%; EMEA 10% andLatin America 4%.SWOT ANALYSISCitibank is the consumer and corporate banking subsidiary owned by Citigroup. The company has operations in over 100 countries, providing a range of financial solutions aimed at individual clients, small business, and larger corporations and institutions.StrengthsGlobal networkThrough its operation in around 100 countries, Citibank has created a global network that has proved robust in the face of economic slumps affecting many Western economies. Although hindered by loan defaults particularly in Argentina and Brazil,and the subsequent rises in provisions, the bank has been buoyant in certain European markets and furthered its geographical reach through strategic positioning in Russia and the Pacific Rim, particularly China.Backing of the CitigroupCitibank has the undoubted advantage over many of its rivals, of having the financial backing and support of Citigroup, the hugely successful financial services company.The support this company provides means Citibank can approach ventures and business opportunities with considerably less trepidation than independent companies. The group is likely to benefit from an adventurous strategy, so long as it has the sustainability to survive the consequences when the group’s ventures do not StrengthsWeaknesses Global networkBacking of the CitigroupInnovative product offering Tarnished brand name Online operations are geared towards US clients Branding problemsOpportunitiesThreats Growth marketsChinese marketOnline presenceClick Citi Foreign exchange fluctuations Market conditions Regulatory forcesgo to plan. Citigroup provides Citibank with the sustainability required in suchcircumstances.Innovative product offeringInnovative product offerings enable Citibank to remain at the forefront of numerousmarkets. The bank has continually developed partnerships to enhance itsgeographical and sector reach. For example, the bank formed a partnership withWestdeutsche Landesbank Girozentrale. The aim of the deal was to reduce thesettlement risk with foreign exchange transactions resulting from trading acrossvarious time zones.In addition, in 2003 the bank announced its intentions to develop products specific tothe US Hispanic population, in a move designed to capitalize further on the group’sacquisition of Mexican bank Banamex in 2001. This ever-proliferating array ofofferings has enabled Citibank to attract a diversity of customers and have highcustomer retention rates.WeaknessesTarnished brand nameAlthough Citigroup has been one of Wall Street’s strongest performers over recentyears, and has achieved strong shareholder value since its creation, its brand hasbeen severely tarnished since 2002 due to the ongoing investigations into its bankingpractices, particularly in its investment banking subsidiary, Salomon Smith Barney.After examinations into a number of Wall Street banks regarding conflicts of interests,regulators indicated that Citigroup, due to wrongdoings at its Salomon Smith Barneyinvestment banking operation, will be hit with the hardest punishment, with the finelikely to be around $500 million. Although this is punishment for the group as a whole,particularly its investment banking operations, such a high-profile investigation shedsinvestor doubt over all practices of the group, ultimately also tarnishing the Citibankbrand.Online operations are geared towards US clientsMuch of Citibank’s online operations are geared towards US clients. This is a majorweakness in Citibank’s armory, as it has worldwide operations, but not a sufficientInternet presence to compliment its branch business. In the increasingly competitivemarket that is online banking, Citibank needs to improve its online facilities for itsinternational customers, or risk losing them to more dedicated companies.Branding problemsCitigroup learned the hard way about the importance of branding for onlineoperations. When its Internet-only bank operation, Citi f/i failed, part of the reason wasbecause of poor branding tactics. Citigroup executives thought that by making Citi f/icompletely separate from other banking operations, customers would be moreattracted to an Internet-only operation. For its payments business, the bank chose thename "c2it by Citibank". It wanted non-Citigroup customers to feel that they could usethe service just as much as Citigroup customers could. Its success in the past taughtthe bank to make certain that the ’Citi’ name is leveraged as much as possible. OpportunitiesGrowth marketsCitibank is continuingly focusing on growth markets. Although in some, less liberalizedmarketplaces risk is potentially higher, the bank has sought strategic positioning toattempt to reap the advantages of being one of the first-to-market players. This isexemplified clearly by the launch in of retail banking operations in Moscow. Althoughits presence to date remains minor, the bank is one of the first Western banks to seeka foothold in the country. The Russian banking market remains embattled andfollowing the defaults of domestic banks in 1998, much of the population prefer tokeep their savings at home.However, Citibank is seeking to benefit on two fronts. Firstly, the Russian governmentis currently implementing a number of liberalizing measures as condition for thecountry’s joining of WTO, which will drive the bank’s ease of operation and thenumber of functions it is able to conduct. Secondly, as much of the population stillexpress concerns over the financial foundations of domestic banks, including state-owned Sberbank, Citibank can exploit its standing as a financial titan, offering securityto savings deposits.Chinese marketIn addition, and perhaps most significantly, Citibank is positioning itself within the fast-liberalizing Chinese market. In April 2002 Citibank announced a deal of co-operationwith Galaxy Securities, where it is sharing expertise on securities and banking issues.Citigroup will wait until a relaxation in the Chinese laws before it can make asignificant impact in the market, and will use Galaxy to leverage its full entry.Online presenceCitibank is heavily focused on the US, its largest market. Often Citibank uses the USas a test market for various business ventures before expanding internationally. But italso has a number of initiatives in other countries. The bank is now trying to integrateinternational capabilities with what it does in the US (B2B transfers from one countryto another, for example). Citibank recognizes that around the world the Internet isused differently from the way it is used in America. For instance, mobile telephony(WAP phones) is larger in other parts of the world such as Europe and Asia. Citibankhas a number of pilots in other countries that are centered on these WAPtechnologies. It has rolled out its online banking service, Citibank Online, across theglobe and will continue to expand its online presence on a worldwide scale.Click CitiCitibank felt that traditional credit cards did not necessarily meet all the needs thatconsumers had for online shopping. Click Citi debuted as a niche product aimed atexisting cardholders who were nervous about revealing card information on the Web. ThreatsForeign exchange fluctuationsCitibank, due to its geographical spread, can be rendered vulnerable to foreignexchange fluctuations and also recessions in certain markets. At worst, for instance inArgentina and Brazil, this has landed Citibank with substantial losses and increasedprovisions. In addition, exposure to high-risk sectors, including telecom and techstocks, has led the bank to suffer sizable losses on its equity portfolios.Market conditionsThe company has been operating in tough market conditions, and its financialperformance during these times is testament to its strength. The last fiscal year wasan extremely difficult operating environment for Citibank and other companies - thelongest bear market in a generation. Furthermore, a number of corporate revelationsfrom a small number of companies tainted all of corporate America, putting thecompany under more pressure.Regulatory forcesThe company’s consumer finance business operates in a highly regulatedenvironment. These businesses are subject to laws relating to consumer protection,discrimination in extending credit, use of credit reports, privacy matters, disclosure ofcredit terms and correction of billing errors. They also are subject to certain。
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2.全方位产品，灵活选择
3 .环球花旗，近在咫尺
4.两百年专业全球经营历史， 你值得信赖
Our Philosophy &Offering
金融市场部
环球企业银行部
金融机构业务部
国际企业金融业务部
全方位
公共部门银行业务部
商业银行部
环球交易服务部
企业、政府和机构业务
Achievements
花旗的成绩
十三家企业银行分行 45家零售银行网点 四家贷款公司 24个奖项
我们的文化 我们的理念
我们的使命
个人业务 我们的服务 企业、政府和机构业务
Our Philosophy &Offering
以人为本
花旗 在花旗 始终认为人永远 大至发展战略、小 是第一位的要素，人 到服务形式都在不断 才是保证企业领先的关键。 进行创新。
客户至上 寻求创新
我们的文化
以人为本
客户至上
花旗贵宾理财
环球银行服务 海外留学一站式服务 专业理财咨询 贵宾客户专享礼遇
花旗睿智理财
定制理财方案 个人理财经理 便捷服务渠道 环球银行服务
花旗环球旅行家俱乐部
海外旅行金融服务 环球商户礼遇 机场贵宾厅服务 海外租车优惠
Our Philosophy &Offering
个人业务
1.精英团队服务方式
2007年4月2日
THANK YOU
2007年、2008年、2009年、2010年中国最佳银行《资产杂志》 中国公司评选的2010年中国最佳现金管理外资银行《亚洲货币》 2009年最佳外资银行《卓越理财》 2009年最具创新精神金融服务奖《华夏时报》 2009年最佳外汇服务国际银行《亚洲货币》 2010中国最佳证券服务银行《亚洲投资者》 2010年中国最佳贸易服务国际银行 《贸易融资》 2008年、2010年中国最佳外资银行《经济观察报》 2011中国十佳理想雇主（优信咨询）
Edward Zhang 2012年11月1日
Agenda
200 Yeas CITI 花旗两百年
Citi Bank in China 花旗在中国
Our Philosophy &Offering 我们的理念和服务
Achievements 我们的成绩
2
200 Years CITI
1812年，斯提耳曼家族创立了花旗银行的前身：纽约城市银行 1865年该行取得美国政府第29号特许状，国民银行执照，改为花旗银行。 1928年成为首家提供个人贷款的商业银行。 1955年兼并了摩根财团的第二大银行更名为第一花旗银行， 1998年4月6日，花旗公司与旅行者集团宣布合并，合并组成的新公司称为“花旗集团”，其商标为 旅行者集团的红雨伞和花旗集团的蓝色字标。
寻求创新
花旗银行企业文化的最优之处就是 把提高服务质量和以客户为中心 作为银行的长期策略，并充 分认识到实施这一战略 的关键是要有吸引 客户的品牌 。
Our Philosophy &Offering
通过金融包容性 花旗创造了经济价值
花旗致力于建设更加贯通、 可持续程度更高的城市
我们的使命
花旗帮助社区及维和部队 着眼于未来
Our Philosophy &Offering
个人业务 我们的服务
企业、政府和机构业务
Our Philosophy &Offering
个人业务
信用卡业务 专属理财
存贷款业务
一站式
保险业务
投资业务
借记卡
Our Philosophy &Offering 个人业务
花旗私人客户业务
资深金融服务团队 全球网络优势 高品位生活 最佳财务方案与服务
200 Years CITI
CITIBank in China
1902年
CITI Bank in China
2012年 13个城市 45个网点
CITI Bank in China
1902—2012 过去的成就 未来的起点
Our Philosophy &Offering