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					 Retail Banking Russia
Quality and convenience of retail banking products as a major
          advantage in a competitive environment

                    March 2nd – Moscow
Segmented Strategy
                                       Net Investible Assets

                                                                    High Net Worth                100M HH’s
                                                                     $250M-$1mm          IPB,
                                                                                     Wealth Mgmt
                                                                                   Gold Credit Card
                       CitiGold




                                                                  Affluent        CitiGold Executive     250M HH’s
                                                                                  Mortgage referrals
                                                               $100M - $250M
Global Consumer Bank




                                                          Mass Affluent
                                                                      Branch based RM, wealth management,450M HH’s
                                                          $50M - $100M
                                                                             Insurance, credit cards,
                                                                                Mortgage referrals

                                               Upper Middle
                       CitiOne




                                                $5M - $50M
                                                                     Sky branch relationship banking, insurance,
                                                                            loans, credit cards, overdrafts


                                            Middle
                       Citibank Acct




                                          $1M - $5M            Self-service txn banking, loans, credit cards, overdrafts



                                       Lower
                                        <$1M                     Self-service txn banking, consumer finance loans
The opportunity is in life stage segmentation.


                                     Emerging Affluent          Affluent             Mature Affluent

               Spending
                                                                                         Spending     Wealth
                                                                                                      transfer
                                                          Individually Held Securities




                                                                 Mutual    Pension
                                                                 Funds




                                                         CDs/Savings Transactional accounts




  10           18         23       28                    40                 50                65
         College     Recent     Young     Young               Mature        Empty        Retirement       Estate
                     Graduate   Married   Family              Family        Nester                        Planning
 Citibank is well positioned to be at the forefront:

       RUSSIAN MARKET                       CITIBANK SOLUTION

                                     Citigroup expertise and size in global
                                     marketplace
Safety and stability                 Photocard delivered to mailing address
                                     CitiAlert
                                     Fraud Early Warning System
                                         Personal Banker
Customer focus                           FNA/Wealth Planning process
                                         Debit card discounts
                                         Member get member programs

                                         24 hour CitiPhone banking
Customers services                       Internet Banking with online bill payment
                                         Widely distributed full function ATM’s


                                     -   Current Accounts, Savings Plans, Deposits
                                     -   MLD’s, Fixed Income, Mutual Funds
Product offer                        -   Offshore banking
                                     -   Personal Instalment Loans
                                     -   Credit Cards
                                     -   Insurance
One stop banking


  Any place…                                 24 hours a day
                                             365 days a year
                   M eans of payment

                                       Control over your
                                           finance
                      Debit/Credit
                        Cards
                                           Current
                                          accounts
                         Needs
                       Products


                    Assuring your
                       future


                      Insurance
                       products
              Citibank Account




                                               DEBIT CARDS
Debit Cards   Salary card - spending salary

              CitiOne
              + Personal RM
              + Variety of banking products
              + Discount with 100+ retailers

              CitiGold
              + Exclusive VIP service
              + Financial Planning
              + Distinctive benefits
              + Privileged service fees
              + CIWM London
Unsecured loans   + Up to 750,000 rub




                                               UNSECURED LOANS
                  + Any purpose

                  + Up to 5 years


                  + Easy document submission


                  + Alternative income proof
Credit Cards




                                                        CREDIT CARDS
               + FREE pre-embossed cards for banking
               customers
               + Grace period
               + Max limit RUB 600,000
               + Usage promotion and rewards programs
Investments            Available instruments:




                                                           INVESTMENTS AND SAVINGS
and savings
                       + Fixed income

                       + Market Linked Deposits

Individual Financial   + Mutual Funds
                          PIO Global
Planning with             Troika Dialog
personal Investment       Pallada Asset Management
Counselor
                       + Life Insurance Savings Programs
                     24 Hour service
                            CitiPhone
                        775-75-75
                     IVR
               Interactive Voice
                                      Experienced
               response system         Bankers


   Any inquiry on accounts and cards
   Payments over the phone
   Requesting statements
   PIN change
   Professional help from the bank’s employee


               CitiPhone – any place, any time
                        24 Hour service
                                 Citibank Online – Internet
                                      banking services


                                www.citibank.ru
   Balance viewing
   Payments processing
   Deposits booking
   Statement inquiries
   PIN code change
   Citibank Alerting Service


               Citibank Online – any place, any time
             24 Hour service
                                         ATMs


                 Free cash withdrawal
                 Access to all accounts
                 Cash deposits
                 Mini-statements
                 Balance check
                 Transactions between own accounts




Банкоматы Ситибанка - 24 часа / 365 дней в году
               Global Access



   ATMs
   Citiphone
   Internet
   Over 50 countries worlwide


    Global One Stop Banking
          Proposition
Thank You

				
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