Mobile Treasury and the Connected Bank

September 2014

Treasury and Trade Solutions

Digital Trends that are Shaping the Market

Social

Digital Impact to Banking Industry

Cloud

Data

Mobile

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Treasury and Trade Solutions (“TTS”): Digital Strategy and Priorities Citi’s global scale and commitment to a digital strategy, has made achieving a more efficient cash and trade management model more feasible than ever before.

Macro-Trend

Macro Economy

Low interest rate environment driving the need to create new fee based services.

TTS Digital Strategy

Optimize business performance for Citi and clients

through rich data and analytics

Expand channels and extend reach through mobile

technology

Deepen connections and bridge organizational

gaps through social collaboration tools

Deliver private cloud platforms and products that enable channel and device

expansion, and reduced cycle times

Regulation

Transparency requirements of regulators driving the imperative to provide more

standardized and granular data.

Competition

Banks and non-traditional competitors not subject to the same regulations are

expanding into transaction banking, and pricing to win.

Globalization

Automation, standardization and centralization of information across banking ecosystem; clients are moving towards new

channels with end-to-end processing.

TTS Strategic Priorities

Drive competitive differentiation through innovative digital products. Effectively leverage our global scale to capture and digitize financial flows. Enable our clients to realize greater organizational and commercial value.

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Executing on Our Digital Strategy: TTS Digital Services and Solutions

Tablet App targeted at senior executives who are driving global

business decisions.

CitiDirect BE Mobile Award-winning mobile banking

platform for institutional clients to conduct business anytime, anywhere – in real time.

CitiDirect BE Trade Trade clients can perform critical operational transactions: upload trade documentation, access Citi

Supplier Finance, and more.

eBAM Digital application for managing

account opening, signatory changes and maintenance,

enabling self service in 54 countries.

CitiDirect BESM

Deliver a consistent and enhanced

client experience across the network

Expand channels and capture new

flows

Deepen core digital platforms, products, and services

Optimize business performance for Citi and clients through rich data and analytics

CitiDirect BE Analytics CitiDirect BE Self Service Best in class self service capabilities

to gain the most current and relevant information about

accounts, inquiries and cut off times.

CitiConnectSM

Clients have a complete and consistent view of all of their

cash management capabilities.

CitiDirect BE Tablet

Access sophisticated payments and receivables solutions via

interactive dashboards

CitiConnect integrates payments, receivables and information with

clients’ data systems from anywhere in the world.

CitiConnect®

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The Mobility Phenomenon is… A sharp increase in global device penetration, over 6.8B devices, has driven 80% of companies to institute Bring Your Own Device policies.

7%

10%

18% 20%

1%

7%

22%

2%

6%

0%

5%

10%

15%

20%

25%

2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

Inst

alle

d D

evic

es a

s a

% o

f G

loba

l Pop

ulat

ion

PCs

Smartphones

Tablets

Source: Forbes, May 2014; BI Intelligence, Dec 2013; IBM Survey, Nov 2013; Financial Express, June 2014

Market Trends:

Citi Value Proposition:

CAGR

56%

12%

73%

CitiDirect BESM Mobile

CitiDirect BESM Tablet

Citi has delivered two new alternative channels for clients to access our best-in-class online corporate banking platform, CitiDirect BESM:

CitiDirect BE Mobile: Industry leading mobile platform that processed $113Bn in Mobile Payments from on-the-road ICG clients in 2013 alone! CitiDirect BE Tablet: Launched in September ‘13 in the App Store, targeted at C-level executives who are driving global business decisions

~80% of enterprise user access will be via mobile devices by 2020 (compared to only 5% today)

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…Transforming a Treasurer’s Typical Workday

Global Balance Analysis

Urgent Payment

Auth View trends – prepare

for treasury

team meeting

Authorize payments

Final Balances

CitiDirect BESM Tablet

CitiDirect BE Tablet

CitiDirect BE Analytics

Access and

decision financing

Reconcile prior day

activity

Payment Input /

Authorize

A day in the life…

CitiConnect® or CitiDirect BE

CitiConnect or CitiDirect BE

CitiDirect BE Analytics

2PM 4PM 8AM 10AM 9PM 7AM 6PM 12PM

Holistic digital experience delivering simplicity, channel choice and analytics reliability

CitiDirect BE Mobile

CitiDirect BE Mobile

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CitiDirect BESM Tablet: Overview

• TTS has introduced the first Tablet-specific online corporate banking tablet application in the market, CitiDirect BESM Tablet, providing financial analytics and transaction functionality through a next-gen user experience.

• Targeted at senior-level finance professionals, the user-experience is differentiated from traditional transaction banking offerings.

• CitiDirect BE Tablet is currently live on all three major app ecosystems; as of September 2014, it is live in 79 countries and 9 languages.

• The experience has resonated with our target audience, having realized engagement with a CEO, CFOs, Treasurers and Assistant Treasurers at Fortune 500 firms across geographies.

.

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CitiDirect BESM Tablet: Value Proposition Launched in September 2013 in the Apple App store, targeted at C-level executives who are driving global business decisions, currently live in 79 markets.

Macro View of Global Account Balances

Data Pivoting Capabilities

Transaction Authorization Ability

Since the September 2013 launch, consistent engagement from

Senior Executives (CEO, CFOs, Treasurers) has yielded approximately

+$5Bn of authorized payments via the Tablet App

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CitiDirect BESM Mobile: Anytime, Anywhere, Real-time Access

You need to authorize a payment today but do not know when the payment instruction will be completed

You have back-to-back meetings and can escape for a few minutes but cannot sit at your desk waiting

1 2 3 4

Your critical payment is due today and the bank closes in a few hours

The payment amount is high and therefore requires the Treasurer’s approval but he/she is traveling

You are the back-up authorizer for your company’s regional shared service center

They have requested your approval at 9:00 PM while you are attending a family dinner

A key customer has an urgent need for supplies but cannot receive goods until they send payment

The customer insists they remitted funds to cover the goods, and sales contacts you to confirm

You are out of the office

• Secure, easy-to-use, award-winning alternative to desktop banking for executives on the move

• Real-time notifications of pending activities

• Initiate, authorize and release payments; perform balance and transaction inquiries; monitor your global cash position; and authorize trade transactions on-the-go

• Live in 90 countries, 16 languages • Device agnostic, web-browser based solution

• Secure and robust: Over $200 BN transactions processed since launch (Aug 2011)

CitiDirect BESM Mobile

How will I know when payment can be authorized?

How can you ensure the transaction is approved?

How can you make the payment remotely?

How can you validate the transaction?

Conduct critical business anywhere, anytime via your mobile device for improved visibility, efficiency and control.

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CitiDirect BESM: Next Generation Overview

Initiate Transactions via CitiDirect BESM

Send files via CitiConnectSM

Or via CitiDirect BE file upload

Approve and Release Transactions

via CitiDirect BE Mobile

via CitiDirect BE Tablet

via CitiDirect BE

Pivot Critical Data and Analytics via CitiDirect BE

Tablet

View reports via CitiDirect BE

via ERP

Citi’s best-in-class platforms, channels and data help companies optimize working capital strategies and cash management across Citi’s global footprint in 90+ countries and 135+ currencies, 24 languages.

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CitiConnect®

CitiConnect ERP

Integrator

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