Sincerely, Globally, we continued to introduce industry-leading digital capabilities, redesign the client experience, and embed our services in the most popular social and e-commerce platforms, enabling customers to bank anytime, anywhere, on their channel of choice. We think about our people in much the same way. Mr T.T. For more information on our sustainability efforts, please visit citi.com/citi/sustainability. Included among our latest evolutions is the Private Capital Group, serving 1,400 family-owned businesses, family offices and private capital firms in 75 countries. Download. Contact Us . Treasury and Trade Solutions provides integrated cash management, working capital and trade finance solutions to multinational corporations, financial institutions and public sector organizations around the globe. Because Citigroup's common stock is listed on the NYSE, the Chief Executive Officer is required to make an annual certification to the NYSE stating that he was not aware of any violation by Citigroup of the corporate governance listing standards of the NYSE. 13 summary of five-year growth. Citi is serving as lead financial advisor to Raytheon on its all-stock merger with United Technologies' aerospace business. A growing number of our clients seek to align their investments with their personal values. Please use the above public link if you want to share this noodl on another website. With every action we take, we strive to demonstrate the value we contribute and the values we uphold. Through Citi Priority, we serve the needs of emerging affluent clients. 100% of the electricity used to manufacture McCoy is Green-e® certified renewable energy. Appendixes 7.749MB. We advise people on how to invest for future needs, such as their children's education and their own retirement, and help them buy securities such as stocks and bonds. The year concluded with several economic storm clouds lifting. About us; Services; Careers; News; Contact us; Our History; Our Values; Public documentation; Public documentation . We generated double-digit growth in digital and mobile users globally, and client engagement and satisfaction meaningfully improved. We ask our colleagues to ensure that their decisions pass three tests: they are in our clients' interests, create economic value, and are always systemically responsible. Display mode (Doesn't show in master page preview). Branded Cards provides payment, credit and lending solutions to consumers and small businesses, with 55 million accounts globally. Investing with Purpose is our philosophy and methodology for sustainable and impactful investing. In 2019, we exceeded our $100 billion goal, more than four years ahead of schedule, thanks to increasing focus on the need to solve the problem, growth in environmental finance activity in the global market, and the development of new and innovative financial products such as lending linked to key environmental, social and governance indicators. Citi also structured a convertible equity portfolio financing solution for NextEra Energy Partners (NEP) and KKR to fund a renewables portfolio, a unique structure that met the strategic, corporate finance and return objectives of both clients. Users can perform these transactions directly from mobile phone to mobile phone. In 2019, Branded Cards generated annual purchase sales of $476 billion and ended the year with a loan portfolio of $122 billion. Download . Our digital channel, Citi VelocitySM, gives unprecedented access to capital markets intelligence and execution. Part 2 (Page 1-307) Financial Statements. english; khmer; 1 corporate mission. A year after we aligned our structure to create a holistic client coverage model in the form of the unified Banking, Capital Markets and Advisory (BCMA) team, our share rose year-over-year across mergers and acquisitions (M&A) and equity and debt capital markets. View all annual reports of Amãna Bank PLC, Sri Lanka. Chinese PDF 20.96MB. ANZ Capel Court Limited 1 5. 14 board of directors. Company Name: PUBLIC BANK BERHAD Stock Name : … Stockholder inquiries can also be directed by e-mail to shareholderrelations@citi.com. And in Jordan, Citi provided $5 million to Microfund for Women, which will now be able to give loans to an additional 10,000 underserved Jordanian women. Download Full Annual Report 2019. Louisville, KY 40233-5004 In 2019, we committed to work with the DFC, the U.S. Agency for International Development and private sector partners to mobilize an additional $500 million for women in Latin America. In the first two transactions under Scaling Enterprise, the partners have committed $5 million in financing to InI Farms to help smallholder banana and pomegranate farmers in India access export markets and increase incomes by up to 20%, as well as $5 million in financing to d.light to expand access to off-grid solar energy in Kenya. Citi's 2019 Form 10-K filed with the SEC, as well as other annual and quarterly reports, are available from Citi Document Services toll free at 877 936 2737 (outside the United States at 716 730 8055), by e-mailing a request to docserve@citi.com or by writing to: Citi Document Services This transaction is expected to close in mid-2020. Citi strives to create the best outcomes for our clients and customers with financial solutions that are simple, creative and responsible. 4 Introduction This booklet brings together, on the one hand, the summary of twelve follow-up investigations carried out by the Cour and by the RTCAs. The G20 has estimated that nearly $100 trillion is needed for global infrastructure spending by 2040, but there is a spending gap of $18 trillion. Financed by Citi. This new alignment leverages the full breadth of solutions provided by our client network and gives us new opportunities to continue to build and develop our top talent. The strong revenue growth we saw in Branded Cards and $6 billion in U.S. digital deposit sales - five times that of the previous year - are signs that our integrated client-centric strategy is working. 2019 Annual Report. Annual Report and Audited Accounts 2018-19 In accordance with the provision of Section 32(3) of the Bank of Mauritius Act 2004, I transmit herewith the fifty-second Annual Report of the Bank, which also contains the audited Accounts of the Bank for the year ended 30 June 2019. And third, we develop proprietary solutions through our internal D10X incubation program and network of Innovation Labs. Overview PPI investment in 2019 totalled US$96.7 billion across 409 projects, a decrease of 3 percent over 2018 investment levels of US$99.7 billion 7. Against that backdrop, the growth we drove came - as we said it would - from working collaboratively and creatively with clients to manage and grow their businesses in an increasingly complex environment characterized by trade routes shifting and supply chains realigning. Additionally, the site has been certified with a LEED Gold designation from the U.S. Green Building Council, a testament to Citi's commitment to sustainability. To deepen relationships with existing cardmembers, we announced an expanded partnership with American Airlines. Citi advised on a $20 billion three-part strategic liability management transaction for Petróleos Mexicanos (Pemex). For the components of the ROTCE calculation, see "Capital Resources—Tangible Common Equity, Book Value per Share, Tangible Book Value per Share and Returns on Equity" in Citi's 2019 Annual Report on Form 10-K included with this letter. In Tunisia, we recently announced the launch of a $10 million loan guarantee facility, which will provide growth financing to more than 17,000 microentrepreneurs, approximately 65% of them women. While scaling financial flows to low-carbon solutions is a critical aspect of the transition, we also need a more holistic approach that supports the transition of existing carbon-intensive sectors. Mboweni, MP Minister of Finance September 2019 06 PART 1: INTRODUCTION PUBLIC INVESTMENT CORPORATION We know that is the only effective way for us to meaningfully reduce our raw pay gap over time. Please select the service you want to use: Newsvine; Digg; Delicious; StumbleUpon; Technorati; Buzz; Favorites; Google Reader; Public link. Text Size. In everything we do, we emphasize personalized advice, competitive pricing and efficient execution. We have also been recognized as a leader in climate risk assessment and disclosure and were the first major U.S. bank to publish a Task Force on Climate-related Financial Disclosures report in 2018. Public Bank Corporate Governance Report 2019.pdf 1.3 MB. Our offering is continuously evolving in order to address and anticipate our clients' changing needs. Annual Report 2019 Volume I Preliminary Pages List of Acronyms Part I Key Economic Indicators Key Social Indicators Chapters 1. At Citi, we actively seek diverse perspectives at all levels of our organization because we know that it will improve performance and boost innovation. Senators John Thune and Mike Rounds; Sioux Falls Mayor Paul TenHaken; and U.S. Representative Dusty Johnson along with Citi colleagues, local business leaders and members of the community. It is a key example of how we are reinforcing our commitment to offer Mexico's best banking experience while driving financial inclusion and using new technologies to meet the expectations, needs and preferences of each of our clients. Since 2014, the Citi Foundation has invested more than $194 million to impact the lives of youth globally. We provided clients with an enhanced Supplier Finance offering, now with WorldLink® Payment Services, giving our clients access to the combined strength of two powerful platforms. Annual Reports - Krungthai Bank. Citi Entertainment®, the bank's award-winning global entertainment access program, and its live music platform, Citi Sound Vault, continued to provide cardmembers with exclusive access to extraordinary music experiences. The Annual Report 2019 aims to help the public understands the Bank's roles and functions, and how it discharges its mandates and accountabilities. Across the U.S., Citi continued to advance financial inclusion and the economic strength and growth of communities. Citi, as a global bank, employer and philanthropist, is focused on catalyzing sustainable growth through transparency, innovation and market-based solutions. President and Chief Operating Officer . Author(s) World Bank … Retail Services generated purchase sales of $88 billion and ended the year with a loan portfolio of $53 billion. This work complements our existing environmental, social and governance efforts and aims to highlight the ability to achieve financial returns while also making a positive societal impact. In 2019, we made a decision to be transparent about a statistic that our CEO has described as "disappointing" and "ugly": our unadjusted or "raw" pay gap for women and U.S. minorities. Citi's Public Finance team is playing its part by financing, among other critical projects, the two largest airport public-private partnerships in U.S. history. We seek out innovative partnerships with financial institutions, telecommunications and fintech providers, government agencies, consumer goods companies and others that have close relationships with the unbanked and the underserved segments of society. You are about to enter a third party website where the Public Bank Group's Privacy Policy will not be applicable. Because our clients are increasingly global in their presence and in their financial needs, our unrivaled Global Client Service enables them to have dedicated local bankers in as many regions of the world as they require. In partnership with developers, nonprofits and governments, our Citi Community Capital team has helped to create or preserve nearly 500,000 affordable units over the past decade. Do you wish to proceed? We protect people's savings and help them make the purchases — from everyday transactions to buying a home — that improve the quality of their lives. /en/IR/FinanInfoReports/financialReports/2019_AR_ENALL.pdf, Statement of Corporate Governance Principles, Rights and Equitable Treatment of Shareholders. We also financed the construction of new subway systems in Panama and Peru, helping two fast-growing metropolises in dynamic emerging economies reduce traffic and carbon emissions. Coming out of a tough fourth quarter of 2018 for the markets and our industry, we entered 2019 amid widespread predictions of a global recession and potential turn of the business cycle. 繁 Profile Board of Directors Board Committees Risk Management Regulatory Disclosures Financial Reports News & Announcements Career Opportunities Branch Network Corporate Culture ; Financial Reports. Capitalizing on our distinct model, we launched an array of new products and digital capabilities, forged new and expanded partnerships, and introduced new value propositions to grow and retain multi-relationship clients. We support 90% of Global Fortune 500 companies in their daily operations and help them to hire, grow and succeed. In 2019, we were a founding signatory of the Poseidon Principles, a voluntary framework aimed at reducing the carbon emissions of maritime shipping. We work with companies to optimize their daily operations, whether they need working capital, to make payroll or export their goods overseas. These results reflect how well our model can perform, even in an uncertain environment. Citi executed several landmark underwriting and advisory transactions for clients in 2019. Bank Al-Maghrib. Our business model focuses on customer loyalty and our core business franchise. Citi was a joint global coordinator and joint bookrunner on Alibaba Group's $12.9 billion Hong Kong secondary listing, which was the largest global technology follow-on in history and the largest ever follow-on by a Chinese issuer. The Citibanamex Transfer account has attracted over 10 million customers, 80% formerly unbanked. Citi has a legacy of employee volunteerism and support for a number of nonprofit partners in Sioux Falls and South Dakota, including the Sioux Empire Housing Partnership, which helps families in South Dakota fulfill the dream of home ownership. Citi is committed to developing financial solutions that are safe, transparent and accessible - ones that provide real economic value, including for those whose financial needs are currently unmet. Our strategy to capture the abundant opportunities inherent in this trend is threefold. Arabic PDF 21.17MB. Banque Havilland Annual Reports and other Public Documentation. We are committed to helping our clients preserve their wealth for themselves, for their families and for future generations. Our proprietary Citi Flex Pay capabilities will be available to our American Airlines co-brand cardholders, and our existing lending partnership will expand to include a deposit product, the Citi Miles AheadSM Savings Account, which will launch in 2020 to American Airlines co-brand cardholders who reside within the U.S. but outside locations in which Citi has a retail branch. P.O. Previous Years Annual Report. Financial Review (PDF 2MB) With the world's unbanked population estimated at 1.7 billion, our Inclusive Finance unit has worked with teams across our firm over the last decade to provide more than 3.3 million entrepreneurs, 3 million of them women, with access to capital and financial services in 34 countries in partnership with the U.S. International Development Finance Corporation, formerly OPIC. 1103 Pty Ltd 1 6. PBB 2019 Annual Report (Page 108 to Page 165).pdf 2.3 MB. "— Michael L. Corbat, CEO. We again proved the value of our global client network and unmatched ability to connect people and businesses to opportunities worldwide. PBBANK (1295): PUBLIC BANK BHD - Annual Report. Cover photo: U.S. wind and solar project owned by NextEra Energy Partners, LP and KKR. We have made significant commitments in support of a sustainable, low-carbon economy and are on the record for our strong support of the Paris Agreement. Please view this page on the latest version of Internet Explorer or, Citi CEO Michael Corbat Opens State-of-the-Art Facility in Sioux Falls, Citibanamex Drives Inclusive Finance with Innovative CoDi QR Digital Payments Solution. We further streamlined our Markets operating model to drive better client service in 2019, combining FXLM and G10 Rates to create a single Rates and Currencies business line. 2017 Public Bank Annual Report. Our earnings per share of $8.04 were up more than 20% compared with the year before. You may be trying to access this site from a secured browser on the server. In terms of Section 65 of the Public Finance Management Act, 1999 (Act 1 of 1999), I have the honour to present the Integrated Annual Report of the Public Investment Corporation SOC Limited (PIC) for the period 1 April 2018 to 31 March 2019. In the communities we serve, one particular infrastructure gap is increasingly pressing: affordable housing. With a high-touch, segment-driven relationship model that serves clients across the full spectrum of consumer banking needs, Citibank serves as a trusted advisor to its retail, wealth management and small business clients at every stage of their financial journey. 2019 Financial Statement - Vientiane Branch (IFRS English Version) (3.53 MB) PDF . For a reconciliation of revenues in constant dollars to reported results, see the tables in "Global Consumer Banking—Latin America GCB" and "Global Consumer Banking—Asia GCB" in Citi's 2019 Annual Report on Form 10-K included with this letter. The feature launched in Hong Kong, Singapore, Thailand and the UAE. Based on the belief that client experience is the driver of sustainable differentiation, TTS has focused its efforts on transforming its business to deliver a seamless, end-to-end client experience through the development of its capabilities, client advocacy, network management and service delivery across the entire organization. Disclaimer. New products were introduced for customers beyond our branch footprint, including Citi Accelerate Savings®, a digital high-yield savings account, and Citi ElevateSM Checking, a digital high-yield checking account. We are innovating how we engage with, recruit and develop talent; we are using data more effectively to pinpoint our challenges and areas of opportunity for improvement; and we have increased accountability for our representation goals among people managers. Getzville, NY 14068, Information about Citi, including quarterly earnings releases and filings with the U.S. Securities and Exchange Commission, can be accessed via Citi's website at www.citigroup.com. Banking, Capital Markets and Advisory listens, collaborates and problem solves, working tirelessly on behalf of our corporate, financial institution, public sector and sponsor clients to deliver a range of strategic corporate finance and advisory solutions that meet their needs, no matter how complex. At the announcement in Mexico City at its headquarters, the Palacio de los Condes de San Mateo de Valparaíso, Ernesto Torres Cantú, CEO of Citi Latin America, noted that "Citibanamex has consistently led and promoted the process of financial inclusion. About Us . As part of Citi's Pathways to Progress initiative, the Citi Foundation has invested in local organizations, expanding the skills of over 4,000 young people, and for more than a decade, Citi has partnered with the rural development organization Dakota Resources, which serves low-to-moderate income communities across the state. Celent awarded Citi its Model Bank of the Year award, reflecting our ongoing efforts to drive transformational innovation and digitization. 2019 Public Bank Annual Report. Specific offerings include payments and receivables, liquidity management and investment services, commercial card programs, and trade services and trade finance. In billions of dollars, except per-share amounts, ratios and direct staff. Citi was named Derivatives Clearing Bank of the Year by, Citi maintained top position as the largest affordable housing lender in the United States, according to, Citi ranked #1 in Web Based Analytics and #3 Overall in the, Citi received a number of regional accolades, including Best Bank in Asia from, Citi was named Most Innovative Investment Bank for Equity-Linked Products from. In partnership with fintech firms, including Feedzai, HighRadius and Cachematrix, TTS is actively exploring artificial intelligence, machine learning and blockchain applications to automate cash management, foreign exchange and fraud protection to consolidate its position as the premier global commerce banking platform. The $19.4 billion we earned on $74.3 billion in revenues was $1.4 billion higher than in 2018. Online Banking. In partnership with Banco de México, Mexican financial authorities and other banks, the innovative new electronic payments platform Cobro Digital, or CoDi, was launched. 2018 Public Bank Annual Report. With the full power of the franchise together for the first time in GCB's largest market, U.S. Consumer Banking implemented a strategy to deepen relationships across Cards and Retail and provide seamless experiences to customers nationwide. These capabilities create an obligation to act responsibly, do everything possible to create the best outcomes, and prudently manage risk. Download. Our network-driven strategy allows us to offer an integrated suite of wholesale banking products and services to clients who value our unmatched country presence and who require a financial services partner that can help them grow in any country where they do business. First, we partner with startups that value our model, global client base and brand to test and deploy new technologies at scale. They are, therefore, able to enjoy seamless, cross-border service from a worldwide team working together as one. We also enabled our real-time Pay with Points functionality. TTS continues its pursuit of delivering the best possible experience to its clients, launching leading-edge solutions and leveraging co-creation sessions held in the Innovation Labs, which in 2019 celebrated its 10th anniversary. As we look ahead toward our new Sustainable Progress 2025 strategy, we look forward to continuing to collaborate with our clients on climate finance opportunities, as well as to better understand the challenges that need to be addressed by Citi, and the financial sector overall, in order to drive positive change. A; A; Fellow Shareholders: Download PDF of the Letter . CoDi is redefining the way charges and payments are made in Mexico - allowing monetary transactions to be more efficient and secure. The $100 billion target we have just completed was only one step in a long journey - a marker on a path rather than an end goal. Our sales and trading, distribution and research capabilities span a broad range of asset classes, providing customized solutions that support the diverse investment and transaction strategies of investors and intermediaries worldwide. In 2019, the Global Consumer Bank successfully executed its strategy to drive growth. As part of ICG, the Private Bank is able to connect clients' businesses to banking, capital markets and advisory services, as well as to Citi's other institutional resources. Loans and working capital in local currency and at affordable rates can enable innovative social impact companies to achieve scale, greater efficiencies and lower costs. We also repeated the assessment for U.S. minorities and are pleased that after actions in 2018, there was no statistically significant difference between what U.S. minorities and non-minorities are paid at Citi. 15 board of directors' profile. PBB 2019 Annual Report (Cover to Page 107).pdf 2.2 MB. At Citi, we emerged in a strong competitive position in terms of capital, liquidity, technology and, importantly, talent. Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. It provides an overview of how we are structured, what we do and where, our strategic plan, the principal risks we face, and high-level performance information. Diluted EPS — Income from Continuing Operations, Citi retained its ranking as the world's largest fixed income dealer, according to Greenwich Associates' annual benchmark study, which marks the fourth year running that Citi has secured the top spot. PDF: Financial Data Supplement Q4/FY2019: PDF XLS: Annual Financial Statements and Management Report of Deutsche Bank AG 2019 For reasons of sustainability, we no longer provide printed versions of our Annual Reports. In August, when the Business Roundtable - an organization of CEOs of major U.S. companies, of which I am a member - announced a revised statement of purpose and principles for responsible firms, I found the lively debate that ensued healthy and reassuring, but for us at Citi, the approach is not new. We are targeting a significant opportunity to redefine scale not according to the traditional metrics of assets and footprint but with digitally driven experiences. 2019 ANNUAL REPORT • 4 1. National Output, Expenditure and Income 3. Throughout the nine-week campaign, our Foreign Exchange business donated $1 for every $1 million traded on its electronic platforms, including Citi Velocity, Citi's flagship trading platform for institutional clients, and CitiFX Pulse for corporate and custody clients. Since its inception in 2013, the global philanthropic initiative has raised more than $37 million to help tackle childhood illiteracy and improve access to quality education. In the U.S., Citi continued to evolve its retail bank model to drive national scale. Economic and Social Infrastructure 4. Ultimately, taking stakeholder interests into account benefits our shareholders. In Wealth Management, we continued to enhance our capabilities, investing in our offerings and digital tools to meet a wider spectrum of customer needs. Chief Financial Officer . In 2019, we built out our predictive analytics team to help us better understand how we attract, retain and promote top talent. Our earnings per share of $8.04 were up more than 20% compared with the year before. One example of these efforts is Scaling Enterprise, a $100 million loan guarantee facility launched by Citi, the U.S. International Development Finance Corporation (DFC) (formerly OPIC) and the Ford Foundation in 2019. Group consolidated Annual Reports & public information. 1 Please see Key Capital Metrics on page 3. In 2019, digital onboarding went live in 25 countries - covering 58% of our global volumes. As urban populations soar and cities become less affordable for many, what has long been an acute shortage is becoming a crisis. Trying to access this site from a worldwide team working together as one News ; Contact ;... Seek to align their investments with their personal values, making payments and receivables, management! Web address: shareholder @ computershare.com Web address: www.computershare.com/investor and we took our advisory dialogue clients! 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