IDC 17th November 2013

REGIONAL CONSUMER BANK (RCB) INSTITUTIONAL CLIENTS GROUP (ICG) What we do here Retail Banking Local Commercial Banking Citi-branded Cards Investment Banking Corporate Banking Sales & Trading Capital Markets Origination Citi Private Bank Investment Research Group Transaction Services CITI HOLDINGS CITICORP REGIONAL CONSUMER BANK (RCB) INSTITUTIONAL CLIENTS GROUP (ICG) CORPORATE FUNCTIONS Human Resources Risk Management Finance Legal Audit Operations & Technology Compliance Key Facts One of the world’s largest financial services providers, more than 200 million customers Operations in more than 100 countries Approx. 260,000 employees This slide is to give some more information on Citi to increase general understanding. Minimal mention can be made of Citi Holdings. Can take this opportunity to give a brief introduction on the business represented by the speaker BUT to encourage students to head to the website www.oncampus.citi.com to find out more about other divisions. Also encourage students to keep an open mind and look beyond just the departments they are familiar with. Below are some pointers on our financial performance if needed: Citi achieved another solid quarter of operating performance as we continued to execute our strategy We produced growth in both loans and deposit in Citicorp, reduced assets in Citi Holdings, continued to invest in our course business and improved our financial strength Citi is consistently profitable, and we remain focused on producing responsible growth

Citi’s Global Footprint Citi is present on the ground in more than 100 countries and territories. It employs over 260,000 people, has in excess of 4,200 retail bank branches world-wide, and interacts with over 65,000 corporate clients. US$2.0 trillion in assets, US$613 billion in loans and US$866 billion in deposits Citi is one of the largest processors of cash flows globally, with payments going to and from over 190 countries in more than 135 currencies The value of payments processed daily is more than US$3 trillion on an average day, with peaks in excess of US$9 trillion As a custodian, Citi holds in excess of US$13 trillion worth of assets We serve many government and public sector entities in major infrastructural flows, such as pension and social security payments, and provide custody and liquidity services to a multitude of central banks and government agencies Citi acts as issuing and paying agent for the debt programmes of a number of sovereigns and agencies Europe Middle East Africa North America Canada US Central and South America Asia/Pacific Presence Countries Non-presence Covered Countries 5 3

Citi - Preeminent Global Bank in Israel Largest presence of any global bank servicing the Israeli market, channeling the strength of Citi's global platform to the benefit of our Israeli based clients. Active in Israel since the early 1990s The first foreign bank to obtain a full banking license in 2000 and to offer a full range of client services Approximately 160 personnel focused on investment, corporate and commercial banking, fixed income and currency trading, equity brokerage and private banking By far the largest presence of any foreign bank operating in Israel Citi boasts one of the largest research coverage universes of the large global banks covering close to 20 Israeli companies through sector specific and local analysts Top 3 trading ranking in 20 of TASE 25 members Recently established a Technology Innovation R&D Center which will add additional hundreds of employees to Citi operations in Israel in the coming years

Transaction Services Treasury and Trade Solutions (TTS) Securities and Fund Services (SFS)

CTS works at the heart of Transactions What is a “Transaction”? It is defined as an exchange between 2 parties, resulting in the flow of assets, payments and information CTS works at the heart of Transactions We are in the business of facilitating financial transactions across the globe 6

Providing Complete Balance Sheet Solutions for Institutions Post-Closing Administration Closing Working Capital Documentation CTS – SFS Capital Management Structuring Global Banking CTS – TTS Advisory Uses Source Use Value to Clients and Citi Provide seamless access to global markets for raising and managing capital Reduce operational inefficiencies and risks resulting from multiple transaction providers Create multiple revenue streams from single deal by servicing capital at each stage of lifecycle Differentiate service capabilities from competitors by utilizing internal synergies Client Citi 7

Treasury and Trade Solutions Citi’s Treasury and Trade Solutions is the leading provider of Cash Management and Trade Services, providing services in over 100 countries globally. Treasury and Trade Solutions (TTS) Securities and Fund Services (SFS) Cash Management Trade Services Investor Services (Buy side) Fund Administration Global Custody Securities Finance Alternative Investments Transfer Agency Intermediary Services (Sell side) Direct Custody and Clearing access in all countries Issuer Services (Episodic) Agency and Trust Depositary Receipts Global Payments Domestic Payments Cross-border Payments Global Receivables Domestic Collections Cross-border Collections Liquidity and Investments Netting/Pooling Investments Information Services Wholesale Cards Commercial Cards Prepaid Cards Trade Finance Supply Chain Finance Export/Import Financing Commodity Financing Trade Services Purchase Order Processing Document Outsourcing Letters of Credit and Collections Insured Letters of Credit Standbys and Guarantees Export Agency Finance Finance Commercial Flows, Mitigate Risk and Optimise Working Capital Reduce Risks, Increase Efficiency and Lower Costs Optimise Working Capital, Mitigate Risk and Enhance EPS

Transaction Services in Context CTS’ global footprint is as wide as some of the world’s best known global organizations CTS McDonalds WTO Countries: 95 Countries: 100+ Members: 150 CTS Net Income would rank 37th among the Fortune 500 CTS Walt Disney Co. Ford Motor Co. NI: $3.7B Rank: 37 Rank: 41 Rank: 50 CTS Revenue would rank 241st among the Fortune 500 CTS Ebay Yahoo Rev: $9.8B Rank: 241 Rank: 267 Rank: 343 9

Investment & Corporate Banking

An Overview of the Banking Division Banking is made up of the Corporate Bank and the Investment Bank who work together in client relationship teams serving major corporations, financial institutions and governments around the World. Banking Division Citi Platform Investment Bank and Corporate Bank M&A Loans, Cash Management, FX, Trade Finance, Custody, Derivatives, Structured Products Debt Capital Markets Equity Capital Markets Our Corporate Bankers drive the relationship with clients delivering insightful corporate finance, capitals markets and working capital management solutions by leveraging Citi’s unique global network while managing client risk exposures Our Investment Bankers are responsible for delivering the highest quality strategic advice and ideas to our clients in M&A, capital raising and business development Clients Corporations Financial Institutions Sovereigns Financial Sponsors 11 11

How Banking is Organised in EMEA Industry Teams Country Coverage Consumer and Healthcare Energy, Power & Chemicals Financial Institutions Industrials Real Estate Technology, Media and Telecom Alternative Assets Group Financial Strategy Group Public Sector Group UK Italy France Germany Iberia Nordics Russia Turkey Switzerland Israel Etc. Deal Team Product Teams Sell Side Mergers & Acquisitions Equity Capital Markets Debt Capital Markets Leverage Finance 7

Managing Director / Director Banking Value Chain Marketing/ Pitching Ideas Execution Closing Managing Director / Director Institutionalise client relationships Win new business Senior client relationships Negotiate/strategic decision making Client follow-up Vice President Understand client needs Develop and organise Overall project management Monitor smooth closing Associate Structure of pitch Choice of analysis used Organise and co-ordinate Modelling Organise closing procedures Analyst Research Analysis Production/Writing Information processing Graphics Printing/delivery Internal procedures (memos) Client requests Further research and modelling Due diligence Presentations Satisfaction of seeing your transaction on the front page of the Financial Times... and telling your friends **The above are general roles in Banking that may vary by country. 15

Markets

Markets – Organisation Citi Markets Fixed Income Markets Equities Global Rates & Currencies Foreign Exchange G10 Rates Trading / RT Local Markets Credit Portfolio & Exotics EM Credit Trading Global Credit Trading Commodities Securitization ABF, MBS, CMBS Municipals Cash Trading & Programs Traditional Electronic Derivatives Institutional Sales and Trading Corporate Derivatives Convertibles Prime Finance Securities Borrow and Loan Prime Brokerage Multi Asset Group

Markets Global Presence – Competitive Advantage Global network – presence in over 100 markets Market leader in Emerging Markets Trading floors in over 80 countries Leading global corporate client franchise Physical Infrastructure Serving Clients / No Physical Infrastructure Trading Floor

What is Sales & Trading? The Sales &Trading division of Citi focuses on advising investors about investment opportunities in the equity, fixed income, currency and commodity markets and on transacting business on behalf of our clients. Our professionals buy, sell, structure and research. Our clients include the largest institutional investment managers, mutual funds, pension funds, hedge funds, risk arbitrage funds, sector-specific funds, retail intermediaries, corporates, public sector and sovereigns. Typical roles in Sales & Trading include: Sales - The Sales team is responsible for building and managing client relationships. They understand clients’ needs through clear and frequent communication, and help to action clients’ needs through problem-solving. Trading – Traders manage customer-driven business and generate profits through market making, and by taking positions. Astute risk management and a strong quantitative background are required for this role. Structuring – The Structuring team utilises problem-solving skills and innovation as they construct new products. Communication of ideas and responsiveness to investor appetite is crucial.  Quantitative Analysis – Rigorous financial modelling and analysis to understand and replicate exposures and returns for proprietary and marketable purposes are key to this role.

Sales & Trading- Interaction between Desks

Career Opportunities

Join us here Participants in our Analyst Program benefit from: Experience: The opportunity to work with industry experts and leading global organizations as you explore the myriad of career paths available. Expertise: A comprehensive curriculum of classroom, web-based and on-the-job training to expand your business, technical, functional and industry knowledge. In addition, our senior speaker series will provide you with the opportunity to hear from and network with a variety of senior leaders across the business. Guidance: A buddy from the business who is aligned with your interests and career aspirations to provide with insight and guidance throughout your career at Citi. Growth: Our cutting-edge career development programs are designed to provide you with the tools, resources and experiences to enhance your leadership skills, maximize your potential and accelerate your career. 20

Opportunities here The above table lists the opportunities we have here. Encourage the students to learn more about these areas during the drinks reception after the presentation. Summer internships are for penultimate year students Full time roles are for those in their final year Sprint insight programmes are for first years (on a 3 year course) or second years (on a 4 year course). We encourage early applications. 21

Apply here Submit your CV and Cover Letter to www.oncampus.citi.com We open for applications at the beginning of September and review all applications on a rolling basis. We strongly advise that interested applicants apply as early as possible. Some pointers to share with the audience – HR to be available to answer questions after the presentation at networking 22

Q&A