Present - Citigroup

Citicorp – International Consumer Banking Focus on Emerging Markets20 countries represent over 80%of Emerging Markets revenue pool (1)– EM countries represented ~90% of 2009Rest of EM18% 21%ChinaInternational RCB revenuesNext 5 (2)10%S. Africa 2%13% Brazil– Critical mass in key cities throughTurkey2%10%branches, enhanced using alternativeThailand 3%5% 9% Russiachannels and perceptual scaleTaiwan 4%4%KoreaIndia Mexico Targeting the mass affluent Leader in cards– Top 3 in 20 countries– 10% share in emerging markets2009 Citi Int’l RCB Revenues: $15.5B5BRest of Int’lRCB 23% 24% Mexico– Co-branding with top local and globalcorporations Citigold – strong mass affluentpropositionpNext 5 (3) 9% 9% BrazilIndonesia 2% 4% 6%Australia5% Japan5%5%India4%4% TaiwanKoreaSingapore HongKong(1) 2010 estimated financial services revenue pool including retail banking, cards and LCB 2008 revenue pool (source McKinsey). (2) Next 5: Hong Kong,Indonesia, Poland, United Arab Emirates, Saudi Arabia. (3) RCB next 5: Poland, Malaysia, Thailand, Turkey, Colombia.Note: Developed markets comprise the U.S., Canada, Western Europe, Japan, Australia and New Zealand.22