4. SUBSIDISRIES OF
THE CITI GROUP
Grupo Financiero Banamex
Citi Commerce Solutions
Citibank
Citicorp Venture Capital Ltd., Inc.
Hoover Materials Handling Group, Inc.
CitiFinancial
Citigroup Geneva Capital Strategies Inc.
Citigroup Global Markets Holdings Inc.
Citigroup Global Markets Europe Limited
Citigroup Private Bank
CitiMortgage, Inc.
CitiStreet LLC
Nikko Citigroup Limited
Primerica Financial Services, Inc.
Remy International, Inc.
6. Another day, another dollar -- 47 million of
them. That's approximately what Citigroup, the
world's largest financial services firm, reaped in
net profits -- that’s profits -- every single day of
2004. The first domestic bank with more than
$1 trillion in assets, Citigroup and its myriad
subsidiaries offer deposits and loans (mainly
through Citibank), asset management,
insurance, investment banking, and practically
every other retail and corporate financial
service you can think of. The company has more
than 3,000 bank branches & consumer finance
offices in the US and Canada, plus an additional
1,500 locations in about 100 other countries.
7.
8. MISSION STATEMENT
CitiBank's mission is to improve
the quality of life for children,
families, and the neighborhood
where we all live and do
business. We in Kenya share in
this mission and are committed
to achieving it.
9. GOVERNING BODY
Chairman
Sanford I. (Sandy) Weill
CEO& Director
Charles O. (Chuck) Prince
III
President, COO,& Director
Robert B. (Bob) Willumstad
10. Company Type Public
(NYSE: C)
Fiscal Year-End December
2004 Sales (mil.) $108,276.0
1-Year Sales Growth 14.3%
2004 Net Income (mil.) $17,046.0
1-Year Net Income (4.5%)
Growth
2004 Employees 294,000
1-Year Employee Growth 13.5%
12. History of World #1 Bank
• Introductory Stage 16 june
1812
• Total Assets $2 million
• Growth Stage 1894
• First Bank In Assets $1 Billion
• Citibank Incorporated 1998
• Highest Accounts of the world 20 Crore
• Total Assets In 2004 6 Trillion
13.
14. Citibank Pakistan's Milestones of the 90's
The nineties were a decade of
domination and leadership for
Citibank in the Pakistani marketplace
and the trend continues into the new
millennium.
15. 1990
Consumer Bank was established.
1992
•Consumer Asset Business is launched.
•Car Financing is introduced.
•CitiGold Priority Banking is established.
•CitiPhone Banking launched.
1994
Citibank Visa Card (Gold and Silver) is
launched
16. 1995
Self-Service Banking launched.
1996
•Citibank, N.A. launches its Intranet System
in April.
•First bank to launch a Photo Credit Card.
1997
•Citibank wins over 35 awards under the
Euromoney Excellence Awards. These awards
included "Best Bank" and "Best Emerging
Market Bank" for two successive years.
•Citibank Credit Cards acquire 100,000
members in less than 3 years
17.
18.
19. Citibank
Gold Credit Card
The Citibank Gold Credit Card is specially
designed for you, your exclusive life style
and your special needs. As a Gold Credit
Card member you enjoy a higher Credit
Limit and a preferred status throughout the
world. If you have a monthly income of
Rs.50,000 or above, and you are a Pakistani
citizen, then you are eligible to apply for a
Citibank Gold Credit Card.
20. Citibank
Silver Credit Card
The Citibank Silver brings you the convenience
and financial flexibility you can expect from the
World's No. 1 Credit Card. The Silver Card is a
truly international Credit Card offering
unmatched features and benefits and complete
peace of mind. If you have a monthly income of
Rs.16,000 (Rs 8,000 for selected corporate
employees) and are a citizen of Pakistan then
you are eligible to apply for a Citibank Silver
Credit Card.
21. Citibank
Shaheen Credit
Card
The Citibank-Shaheen Credit Card is the first
Affinity Card in Pakistan, offered exclusively
to Pakistan Air force and Shaheen Foundation
personnel. Out of every rupee spent on a
Citibank-Shaheen Credit Card, Citibank will
contribute a percentage to Shaheen
Foundation and to the welfare of our Air force
personnel.
22.
23. Owning A Home Was Never So Easy
Turn your dreams into reality. With Citibank's Own a
Home you can purchase your own home on low monthly
installments through a simple and hassle free process
24. If you can't find your dream home we'll
help you build one and furnish it too
With Citibank Home Maker loans, you
can construct and furnish your ideal
home.
25. Your Home is More Resourceful Than You
Think.....
Have you invested your life savings into
your house? With Citibank s Home Power
let your home finance your family's
future..... Loans against residential
property for the purchase of business
assets, furnishing or home improvement
and financing of children's education.
26. Highest Loan Amounts
You can avail a loan from Rs. 3 lacs to Rs. 75 lacs to purchase
the perfect home.
Easy Monthly Installments
You can pay back your loan in easy and affordable monthly
installments spread over 3 to 20 years.
High Loan to Values
Citibank finances upto 70% of loan against value of property.
Lowest Rates on Property & Life Insurance
We have made special arrangements with major Insurance
Companies to provide you with very low and attractive
Property and Life Insurance rates.
Business man upto 12.24% &Salaried Class upto 10.74%
27. •Pricing
Choose the mark-up rate that suits you best. We offer
three different kinds of mark-up rates – the Adjustable
Rate and Flexi Fixed Rate
Flexible Payments
Citibank Home Loans gives you the unique option of
reducing your principal balance through partial and full
pre-payments or through the step-up payment plan for a
nominal fee. This will allow you to reduce your overall
mark-up costs as and when you have access to additional
funds.
28. Minimum Processing Fees
We offer you your dream home at a minimal processing
fee. Our panel of experts take care of legal and appraisal
formalities. They strive to ensure that the property you
are purchasing is at the right price and has proper
documentation. Our process guide gives you the breakup
of our processing fees.
Clubbing of Spouses income
To avail the facility of obtaining a higher loan amount,
Citibank Home Loans offer you the option of adding
your spouse's income to arrive at the maximum loan
amount.
31. Citibank Car Financing
Special Offer
No Documents Required, all you need is
your Computerized National Identity
Card duly attested by a gazettes officer.
Low Down Payment
Special Insurance Option
Affordable to suit your pocket
No more first year insurance to
be paid up front, Citibank Car
Financing offers you first
year's insurance premium as
part of the loan.
32. Citibank Car Financing
Additional Benefits
24-hours access to CitiPhone
Banking.
Wide range of dealership
network.
Value added comprehensive
insurance at competitive rates.
Pre-approved* Citibank Credit
Card.
Application Processing Charges
Rs 4,000 in case application is
not approved
34. Eligibility
You are at least 21 years of age at
the time of financing and will be
less than 65 years for self-
employed or 60 years for salaried
before full repayment of loan.
Other eligibility conditions also
apply
Processing Charges: Rs 4,000
Vehicle Evaluation Charges (non-
refundable)
Rs 1,000 (if applicable)
35. With Citibank Cash Against Car get a loan and
use it for anything you want.
So while you get the cash you need now, you
also keep your vehicle.
Mark-up rates as low as 12.99%*.
Upto 7.5 lacs of cash.
Upto 5 years payback period.
36. Eligibility
You are at least 21 years of age at the time of financing
and will be less than 65 years for self-employed or 60
years for salaried before full repayment of loan.
Maximum age of the car at loan maturity should not
exceed 6 for upto 1000cc vehicles and 8 years for greater
then 1000cc vehicles.
Maximum age of the vehicle at the time of loan inception
should not exceed 5 yrs.
Different pricing may apply to different types of
customers and tenors.
Other eligibility conditions also apply.
Call Citiphone for further details.
Processing Charges (non-refundable): Rs 4,000
Vehicle Evaluation Charges (non-refundable): Rs 1,000
38. Flexible Tenure
Take a loan for a period ranging from
12-60 months depending on your needs
Loan Amount
Get loan amounts starting from Rs 25,000
and going up to a maximum of Rs.
500,000
Easy Monthly Installments
As you will be paying in equal monthly
installments over the period of your
tenor, there is no need to stress about
your next monthly installment.
39. No Collateral/ Guarantor required
As a Personal Loan is an unsecured loan, you do not have
to provide us with a collateral or a guarantor to avail this
facility.
Easy Documentation & Quick Disbursal
You do not have to worry about excessive documentation
to get the loan, just provide us with an attested copy of
your CNIC and a salary certificate and/or bank statement
and on approval the cash would be at your doorsteps at
the earliest.
Affordable Pricing & Excellent Service
We offer extremely competitive and affordable pricing
which goes hand in hand with our Best in Class Service.
40.
41.
42. Resident and Non-Resident Pakistanis
Local and foreign companies (except
banks and financial institutions)
Foreign nationals residing in Pakistan.
•Resident and Non-Resident Pakistanis
•Local and foreign companies (except
banks and financial institutions)
•Foreign nationals residing in Pakistan.
43.
44.
45. CORPOTRATE SECTOR
• Areas of facilities &
services given by The
Citibank in Pakistan for
corporate sector are as
given
46. Client Amount Date
USD
Government of
150.0 1996
Pakistan
million
USD
Dewan Salman
45.0 1994
Fibre Limited
million
USD
DG Khan 20.0 1994
million
Pakistan USD
Telecommunication 15.0 1994
s Company Ltd. million
47. Amoun
Client Date
t
Pakistan Mobile
1,400
Communication 2000
million
(Pvt.) Ltd
Pakistan
3,000
International 1999
million
Airlines
200
Clariant 1999
million
Askari Leasing 146
1998
Limited million
650
Dewan Group 1998
million
48. 1,000
Daewoo Corporation 1998
million
1,500
Daewoo Corporation 1998
million
Pakistan
Tobacountry 200
1998
corporate officer Co. million
Ltd
Engro Chemicals 6.6
1997
Pakistan Limited* billion
Dawood Hercules 4.5
1997
Chemicals Limited* billion
Kot Adu Power 4,500
1997
Company million
49. Sui Northern Gas 500.0
1996
Pipelines Limited million
International Brands 410.0
1995
Limited million
300.0
Pakland Cement 1995
million
Water and Power
1,150
Development 1994
million
Authority
Water and Power
1,195
Development 1993
million
Authority
Pakistan
1,075
Telecommunications 1993
million
Corporation
53. RISK MANAGEMENT
Banks have information
systems and analytical
techniques that enable
management to measure
the credit risk inherent in
all on- and off-balance
sheet activities.
Banks have in place a
system for monitoring the
overall composition and
quality of the credit
portfolio.
54. PRINCIPLES FOR THE
MANAGEMENT OF
CREDIT RISK
• Credit risk is the potential
that a bank borrower or
counter party will fail to meet
its obligations in accordance
with agreed terms.
• The goal of credit risk
management is to maximize a
bank’s risk-adjusted rate of
return by maintaining credit
risk exposure within
acceptable parameters.
55. How To Assess
Bank’s Management
Of Credit Risk
• The board of directors have
responsibility for periodically
(at least annually) reviewing
the credit risk strategies.
• Senior management have
responsibility for
implementing the credit risk
strategy which approved by
the board of directors.
56. • Banks operates within sound,
well-defined credit-granting
criteria.
• Banks establish overall credit
limits at the level of individual
borrowers and counter parties.
•Banks have in place a system
for the ongoing administration
of there various credit risk-
bearing portfolios.
•Banks have in place a system
for monitoring the condition of
individual.
57. •Banks have information
systems and analytical
techniques that enable
management to measure
the credit risk inherent in
all on- and off-balance
sheet activities.
•Banks have in place a
system for monitoring the
overall composition and
quality of the credit
portfolio.
