1. Page # 1
GCG Bahrain was recently awarded the coveted title, ‘Best Workplace’ in EMEA, during a conference held at
Vienna. The award was presented to Mr. Ashish Bhugra, Citibank’s Consumer Bank Head of Bahrain by Mr.
George Awad during an event that was attended by 210 people across the 28 EMEA countries. Citibank Bah-
rain team was represented by Nader Moosa, Bilal alavi and Harpreet Arora.
Speaking about the honor, Ashish congratulated his staff by saying, “I'd like to extend my sincerest thanks to
each of you for your support, efforts and partnership in making GCG
Bahrain such a wonderful place to
work in. While we pursue to accom-
plish our business objectives, we must
always remember to embrace the hu-
man elements and values in our daily
interactions with our colleagues. Let's
continue to propel our franchise on the
strong foundation of the 5 point plan
and shared responsibilities that each of
you have helped build.”
Q4, 2006 Issue 16 Dec 31st, 2006
“Citibank Bahrain rated ‘Best workplace’ ”
Citibank launched the debit
card
2
Schroders' MultiManager
Funds Launched
2
Community Support 3
Long Service Award 3
CIB celebrated 2006 year 4
Employee of the month 5
Bake sale success story 5
New Staff List 6
Inside this issue:
Please send your suggestions to Deema Murad Tel +973-17-588-644 , Fax +973-17-588653 deema.murad@citigroup.com
Q4, 2006
Volunteers Spend Precious Time at Sal-
maniya Hospital
Citigroup Bahrain volunteers recently joined more than 40,000 Citigroup volun-
teers in 100 countries for the company’s first “Global Community Day.”
Citigroup’s first Global Community Day is a worldwide effort involving more
than 800 projects in over 400 cities around the world. Recognizing that many
Citigroup employees volunteer year-round in their communities, Global Commu-
nity Day celebrates Citigroup’s volunteer spirit on one-
day worldwide. Local volunteer teams worked on a vari-
ety of projects addressing specific community needs, in-
cluding literacy, housing, environmental protection, nu-
trition, and health care.
In Bahrain, more than 25 Citigroup volunteers spent time
with 130 patients at Salmaniya Hospital-Children Wards.
Cancer and leukemia patients were comforted and pro-
vided with token gifts at the end of the visit.
Mohammed Al-Shroogi, Division Head for Middle
East, Egypt and Levant, said: “We are committed to be
an integral part of the Middle Eastern societies where we
maintain a presence for almost half-a-century. The
Global Community Day is one way to demonstrate our
resolve to fulfill our duty as a responsible corporate citi-
zen in Bahrain and elsewhere.”

2. Page # 2
Schroders' MultiManager Funds Launched
Citibank recently launched the Citibank Debit Card which carries security and access features that will reduce
the need for carrying large amounts of cash for purchases across thousands of outlets.
Issued to Current, Savings & CitiBest Account holders, the Citibank Debit Card works as an ATM card which
can be used to get instant cash at over 800,000 ATM’s globally and to make purchases at more than 12 million
establishments in Bahrain and overseas which makes shopping with the card much more convenient than car-
rying cash.
“At Citibank, we offer best-in-class banking
service, evident in our range of superior prod-
ucts and services that are designed to maximize
value for customers as well as provide them
with the utmost convenience,” said Ashish
Bhugra. “The Citibank Debit Card is unique. Its
combination of strong security features, ATM
card and debit card usability and global accep-
tance, drastically reduces the need to carry
large amounts of cash, while also ensuring our
customers can buy anything, anywhere and at
anytime at their convenience.”
Citibank Launched “ Citibank Debit Card”
Q4, 2006
Citibank recently launched Schroders' MultiManager Funds, the only mutual funds to offer private investors an inte-
grated investment solution that includes access to alternative investments alongside traditional investment categories for
the first time in Bahrain. These features provide greater diversity in asset allocation, which are combined in one product
with six different portfolio types, so that investors can choose the investment solution that meets their specific needs.
With Schroders' MultiManager Funds, clients will be able to gain even more access to the top fund managers in the
world. Schroders' portfolios are highly diversified so investors may benefit from the best opportunities across markets.
Also, diversifying investments can help reduce risk.
Ashish Bhugra affirmed that, “Citibank already offers our
customers a wide range of local onshore and offshore sav-
ings, investment advisory and wealth management services,
including our premier Citigold service.” Ashish Bhugra fur-
ther stated that, “We constantly aspire to achieve
new benchmarks in customer service and new products. The
introduction of Schroders MultiManager Funds shows how
we are in a position to leverage on our global strengths,
strong business positioning, unrivalled scale and efficiency,
powerful branding and the broadest product offering for the
benefit of our customers in Bahrain.”

3. Page # 3Q4, 2006
Citigroup supported the community by training unemployed physically
challenged youth
Citigroup announced a new grant to the Bahrain Training Institute (BTI) which was dedicated to training the physi-
cally challenged youth of Bahrain.
The USD 35,000 grant by the Citigroup Foundation was utilised to finance the “Citibank Diploma in Banking for
the physically challenged”, a training programme which offered students high quality, lifelong vocational and en-
trepreneurship training in Banking and Finance to meet current and future employment requirements.
The training will cover teamwork skills, personal development, social skills and independent living skills that are
imperative to the physically challenged to help them gain a secure and permanent job.
Mr Mohammed Al Shroogi, Citigroup’s Division Head for Middle East, Egypt and Levant said, “Citigroup has
time and again, demonstrated its commitment towards helping the local community, especially to those who are dis-
advantaged.
“I believe that physically challenged youth, if provided with
the right training and education, can offer meaningful contri-
bution to the society and have successful careers,” said Mr
Shroogi.
The Citigroup Foundation focuses its grants primarily in three
areas: financial education, educating the next generation, and
building communities and entrepreneurs.
Commenting on Citibank’s support for the Institute and the
local community, BTI Director Hameed Saleh said, “This is
not the first time that Citigroup engages with BTI in support-
ing focussed training which aim at helping Bahraini nationals
to confidently enter the labour market.
“This gesture is aimed at paving the way for talented physi-
cally challenged youths to land secure careers in the banking and finance industry,” said Mr Saleh.
The induction for this program was held back in Dec 06.
Long Service Award
Long service award were pre-
sented to the following :
10years
Lata Swaminathan-V.Narayanan-
Syed Zeeshan Ali-Essam A.Jalil-
Tariq Ahmed-Yasser Khakwani–
15years
Mazin Manna-Terence Rodrigues-
Christopher Tampiraj
20years
Roxanne Jassim
25years
Abdulla Edham– Ali .Aziz
30years
A.Aziz Moosa—KK Hameed

4. Page # 4
CIB celebrated The “ 2006 YEAR OF SUCCESS”
To celebrate a successful 2006, Citibank Bahrain staff recently attended a special function at the Gulf Hotel. The event
highlights included a speech by Mr. Mohammed Al Shroogi, Division Head for the Middle East, Egypt and Levant. Long
service award were Fun filled games added to the excitement of the evening as winners took home fabulous prizes such
as cameras, mobile phones and jewellery.
Q4, 2006

5. Page # 5
Employee of the month
Narjis Ali from GCG has played a
great role as a Problem Resolution
Officer in the IMPR Unit in moni-
toring and tracking daily customer
complaints and inquiries to be re-
solve within tolerance timeframe
and achieving department goals to
reduce the resolution time frame
and eliminating unsuccessful clo-
sure of ECCMS. She has been the
only staff in the department after resignation of her
colleagues, she has proven over her ability and
skills to handle the work pressure and manage it to
the best efficiency. She has high commitment to her
job with high potential to grow.”
Dec 2006
“Mohammed Abbas from ICU, is a self
motivated employee, he is always
willing to accept assignments given
to him. He is an experienced staff in
ICU department; he has contributed
significantly in the Kuwait Flexcube
project and he strongly believes in
customer service by providing excel-
lent service to internal as well as ex-
ternal customers. In addition, he has
put an excellent effort in implemen-
tation of Recon trade in September,
2004 as well as Recon Fronteir in
2005 (Our Account Reconcilement system). He is hard
worker and has shown commitment to taking over new
responsibilities during 2005/2006. Mohammed has a
cheerful attitude that creates a friendly atmosphere in the
department; this is particularly important in the control
function that he handles. ”
Nov 2006
“Dana Fakhri has joined Product Con-
trol Team during March 2006. Within
a short time span she has successfully
contributed to the Centralization of
MENA CALM “ Citigroup Market
Risk / Transfer Pricing module ” Prod-
uct Control objectives. She is hard
working, highly motivated and excel-
lent team player and has shown com-
mitment towards taking over new re-
sponsibilities. She has put in a tremendous effort in stan-
dardizing Liquidity and Price Risk CALM processes
across the cluster and has been a key member of Product
Control team in supporting all the issues, queries and
projects initiated by MENA countries. During August
and September months, in the absence of two key staff
members, she has efficiently managed to take over addi-
tional responsibilities and have introduced various proc-
ess improvements. ” .
Oct 2006
Bake sale success story
Q4, 2006
Citibank staff took part in a Bake Sale for which they pre-
pared a variety of snacks that were sold to the bank’s staff.
The proceeds totaling BHD291 were presented to NBB
Home for Disabled Children on 5th
October in the form of
BD10 Al Muntazah Supermarket Vouchers to the needy
families of the disabled children, as well as, Gergaoon
giveaways to the children in the center.
The visit was arranged by Citiclub members,
Mrs Abeer Al Shehabi and Chrissy Kim. “I
feel that it was a great personal achievement
to contribute to such an activity” Abeer
commented.
Ameena Alwan, Mohammed Abbas, Huda Janahi, Batool
Madan, Arwan Al Sharaf,
Mardiyah Khalil and Sharon
Juan were recently honored by
Citigroup for their outstanding
commitment and accomplish-
ments of various tasks within
their departments.
Hard work rewarded
Special Offer from Teatro
We are happy to inform you that
all Citibank staff will receive a
25% discount on their total bill at
Teatro Restaurant in Dana Mall,
upon the presentation of your ID.
The offer is valid from Feb 1 un-
til end of April .

6. Page # 6
New Staff List
Ahmed Hamadi Ali Jaffar Hajj Noora Salman Jaafar Al Ganemi Tamer Fakhro
Wealth MGT -GCG Wealth MGT -GCG Wealth MGT -GCG Ops & Technology Ops & Technology
Reema Isa Uroosa Nabeel Imene Ghandoudi Fatima Al Shamlan Ahmed Asseri
Quality Assurance Wealth MGT -GCG e-Commerce NRI TI –CIB
Khulood Kalid Faqi Husain Mashaalla Rabab Habib Ebrahim Ahmed A.Hameed Nasralla
Ops & Tech Personal Loan-GCG Personal Loan-GCG Personal Loan-GCG Auto loans-GCG
Rezwana Rashid Dana Sison Ahmed Abdulla Rajat Srivastav Masroor Ahmed
Wealth MGT -GCG GCG Wealth MGT -GCG Credit Operation Asset Sales-GCG
Q4, 2006

7. Page # 7
InsideStoryHeadline
Q4, 2006
New Staff List
Ameera Ahmed Monther A.Rahman Sukhendu Sahu Ayman Brrada Ahmed Abbas
Ops & Tech ICU E-Commerce Treasury GCG
Shital Khanna Shahid Ahmed Marites Magday Suad Nasreldeen Smitha Dhanu
NRI GCG GCG NRI NRI
Gary Satur Rashid Liaquat Thirupathy Naraya-
nan
Prabue Kamalkkannan Kushang Seth
NRI GCG PCU Compliance NRI
Kirti Rajkumar
GCG
New Staff List