public bank annual report 2019

For more information on the partnership visit citi.com/IPC. We are also on track to achieve our goal of sourcing 100% renewable electricity across our global operations in 2020. We financed over $6 billion worth of affordable rental housing projects. Retail Banking Commercial Banking . In 2019, Retail Services continued to enhance value propositions, including partnering on new rewards benefits for Tractor Supply Personal Credit cardholders with a membership to the Neighbor's Club, the company's free loyalty program. In billions of dollars, except per-share amounts, ratios and direct staff. 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. We drove 4% underlying revenue growth across our Consumer and Institutional franchises.1We have grown loans and deposits for 16 consecutive quarters. 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. The Citi Foundation's Pathways to Progress program, which started in 2014 in 10 cities and went global three years later, has helped prepare more than 850,000 youth for the jobs of today through paid internships, mentorship, workforce training and leadership development. PDF Sharing and Personal Tools. We delivered more than $125 billion in revenue, $43 billion in operating income, and more than $50 billion in operating cash flow — and returned more than $30 billion to shareholders. 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. As we look ahead, we remain committed to tackling the youth unemployment challenge. It demonstrated the power and potential of its new, integrated client-centric operating model in the U.S., grew loans and deposits globally, introduced an array of industry-first digital capabilities and expanded its ecosystem of partners, one of the most powerful in the industry. We are being open about our data, what it means and what needs to be done to meet our goals. Chief Financial Officer . Digital deposit sales reached $6 billion in 2019, five times that of the prior year. 13 summary of five-year growth. CitiConnect®, our API connectivity platform, reached a new milestone with more than 157 million API calls processed by clients in 2019, compared with 18 million in 2018, representing a growth rate of 750%. Additionally, Citi acted as global coordinator and bookrunner on a €4.2 billion and £800 million bond offering for CKHGT. In 2013, Citi achieved our first 10-year $50 billion Environmental Finance Goal three years early, and in 2019, we exceeded our second 10-year $100 billion Environmental Finance Goal four years ahead of schedule. 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. 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 Public documentation. 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. We also see this as a positive development because these expectations arise from the higher levels of trust and credibility businesses have built, notably with their own people. 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. Subject Type Download; Annual Report 2019: PDF: Annual Report 2018: PDF: Annual Report 2017: PDF: Annual Report 2016: PDF: Annual Report 2015: PDF: Annual Report 2014 Year 2019 Year 2018 Year 2017 Year 2016 Year 2015 Year 2014 Year 2013 Year 2012 Year 2011 Quick Links. And third, we develop proprietary solutions through our internal D10X incubation program and network of Innovation Labs. Citi was named Best Digital Bank in Asia by Euromoney, Best Digital Bank in Mexico by Global Finance and the firm with the Most Desirable Mobile Banking Features in the U.S. by Business Insider Intelligence. For our company, the data reaffirm the importance of goals we announced in 2018 to increase our representation of women and U.S. minorities in senior and higher paying roles at Citi. Stockholder address changes and inquiries regarding stock transfers, dividend replacement, 1099-DIV reporting and lost securities for common and preferred stock should be directed to: Computershare In partnership with Banco de México, Mexican financial authorities and other banks, the innovative new electronic payments platform Cobro Digital, or CoDi, was launched. Group consolidated Annual Reports & public information. The annual certification to that effect was made to the NYSE on May 13, 2019. In the U.S., we launched several new products to lay the foundation for a more integrated, multi-product relationship model. TTS has established itself within our firm and industry as a pioneer in steering the shift from analog to digital platforms and processes. Citi is committed to contributing to solutions that address these issues. Holders of Golden State Bancorp, Associates First Capital Corporation or Citicorp common stock should arrange to exchange their certificates by contacting: On May 9, 2011, Citi effected a 1-for-10 reverse stock split. The analysis showed that Citi's median pay for women globally was 71% of the median for men and that the median pay for U.S. minorities was 93% of the median for non-minorities. Годовой отчет КБ «ЭНЕРГОТРАНСБАНК» (АО) – 2019 год 3 ; Z g d k h a ^ Z g \ k h h l \ _ l k l \ b b k j _ r _ g b _ f h [ s _ ] h k h [ j Z g b y m q Z k l g b d h \ ; Z g d Z h l 16.07.2001 ( i j h l h d h e №1) In addition, there will be lower commission costs, as well as a reduction in the use of cash. We have also achieved our environmental footprint goals and are on track to achieve our 100% renewable energy goal in 2020. In the U.S., Citi continued to evolve its retail bank model to drive national scale. We have invested over $194 million in this initiative to date and will soon be announcing its next stage. Esanda Finance Corporation Limited 1 4. This includes broad trading and execution capabilities for electronic and complex structured products, financing and hedging solutions, and clearing, custody and funds services. Latest and recent Financial Reports of Public Bank (Hong Kong) Limited . We know that is the only effective way for us to meaningfully reduce our raw pay gap over time. At Citi, we emerged in a strong competitive position in terms of capital, liquidity, technology and, importantly, talent. 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. We are also assessing our exposure to climate hazards to inform business continuity and resilience planning. 2019-10-02. Louisville, KY 40233-5004 Annual Report 2019 Volume I Preliminary Pages List of Acronyms Part I Key Economic Indicators Key Social Indicators Chapters 1. While we recognize that we have much more to do, we are proud of where we are headed. Ultimately, taking stakeholder interests into account benefits our shareholders. The key performance indicators of the Santander UK Group Holdings plc group can be found on pages 16 and 17 of its 2019 Annual Report, which does not form part of this report Santander UK at a glance We are uniquely placed as a leading scale challenger bank. Annual Reports. A Mission of Enabling Growth and Progress, What You Can Expect From Us & What We Expect From Ourselves. Greater China Services . Branded Cards provides payment, credit and lending solutions to consumers and small businesses, with 55 million accounts globally. There are few areas where the gap between the scale of the need and of the progress to date is wider than in the field of inclusive finance. Since 1981, when Citi opened a credit card operations center in Sioux Falls, the breadth of work has diversified, expanding to 22 business functions, including credit operations, technology, finance, treasury and transactions, and customer service. In 2019, Citi ranked first among U.S. financiers of affordable housing for the 10th year in a row. In 2019, Citi delivered our most profitable year since 2006. Citi strives to create the best outcomes for our clients and customers with financial solutions that are simple, creative and responsible. As of January 31, 2020, Citigroup had approximately 66,990 common stockholders of record. At year-end 2019, the business had $291 billion in deposits, $300 billion in loans and $176 billion in assets under management. Our annual e for Education campaign raised $8.15 million in 2019 to benefit education-focused nonprofits. The World Bank Annual Report 2019 : Ending Poverty, Investing in Opportunity. Our Pathways to Progress initiative is designed to help close this jobskills mismatch by providing young people with the tools they need through training, work experience and entrepreneurial opportunities. Toll-free No. 14 board of directors. 2018 Public Bank Annual Report. 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. In September, Citi CEO Michael Corbat officially marked the opening of Citi's new state-of-the-art operations site in Sioux Falls, extending a nearly four-decades-long commitment to South Dakota. Web address: www.computershare.com/investor. 888 250 3985 The Private Bank is dedicated to helping the world's wealthiest individuals, families and law firms protect and responsibly grow their wealth. National Output, Expenditure and Income 3. Our unique business model enables us to focus on fewer, larger and more sophisticated clients who have an average net worth above $100 million. Over the last two years, we have elevated the conversation around race, gender and equal pay for equal work. Please turn on JavaScript and try again. ROTCE in 2018 excludes a one-time benefit of $94 million due to the finalization of the provisional component of the impact, based on Citi's analysis, as well as additional guidance received from the U.S. Treasury Department, related to the Tax Cuts and Jobs Act. 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. Our positive position across all of those areas permitted us to realize the benefits of investments we have made over the past several years in high-growth, high-return areas across the franchise. Download. In 2019, Citibanamex showcased how an innovative financial inclusion effort is delivering on the firm's mission to enable growth and economic progress. Annual Reports: Annual Report 2019 For reasons of sustainability, we no longer provide printed versions of our Annual Reports. In everything we do, we emphasize personalized advice, competitive pricing and efficient execution. Annual Report 2015 DOWNLOAD HTML. Display mode (Doesn't show in master page preview). Citi Velocity's API Marketplace gives clients unparalleled access to Citi's extensive proprietary data and content library. Part 2 (Page 1-316) Financial Statements. At Citi, we actively seek diverse perspectives at all levels of our organization because we know that it will improve performance and boost innovation. This figure does not represent the actual number of beneficial owners of common stock because shares are frequently held in "street name" by securities dealers and others for the benefit of individual owners who may vote the shares. 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. Dedicating ourselves to these relationships and ensuring our client experience stands above all else, we leverage the breadth of our unmatched global network to provide debt capital raising, merger and acquisition (M&A), and equity-related strategic financing solutions, as well as issuer services. In Mexico, Citibanamex is one of the most well-regarded and historically significant financial institutions in the country, with top brand recognition, leading market share and an extensive retail branch network complemented by rapid digital and mobile user growth. Please select the service you want to use: Newsvine; Digg; Delicious; StumbleUpon; Technorati; Buzz; Favorites; Google Reader; Public link. Bank Al-Maghrib Annual Report 2019. We expanded digital lending with two new solutions, Citi Flex Loan and Citi Flex Pay. From left to right: John E. Waldron . By lending to companies large and small, we help them grow, creating jobs and real economic value at home and in communities around the world. Close. Our partners are trusted leaders in their sectors who understand the needs of their local markets. We provide financing and support to governments at all levels, so they can build sustainable infrastructure, such as housing, transportation, schools and other vital public works. english; khmer; 1 corporate mission. c b n d. Tweet Like Share # Shares: 0. 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. "When we set our business priorities, we focus heavily on the balance of our business - the importance of not being overly reliant on any one product or geography and the benefits of that diversification to strong and consistent financial performance. Citi's Access Account, a checkless bank account with no or low monthly fees, no overdraft fees, the ability to link to a savings account, and access to Citi's digital, retail and ATM channels, has been one of its fastest-growing products. Digital technology is driving change across the industry, and Citi is adapting by migrating our capabilities to a digital platform. 繁 Profile Board of Directors Board Committees Risk Management Regulatory Disclosures Financial Reports News & Announcements Career Opportunities Branch Network Corporate Culture ; Financial Reports. Citi was recognized with a number of industry awards, including Best Digital Bank in Asia (Euromoney), Best Digital Bank in Mexico (Global Finance) and Most Desirable Mobile Banking Features in the U.S. (Business Insider Intelligence). In Mexico, Citibanamex remains one of the leaders in the credit card segment, with strong market share, compelling reward programs, ThankYou® Rewards and Premia, as well as market-leading promotions, including more than 2,500 agreements with retailers and businesses. In 2019, we were a founding signatory of the Poseidon Principles, a voluntary framework aimed at reducing the carbon emissions of maritime shipping. 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. Management's Discussion and Analysis of Results of Operations and Financial … Issues core to our environmental, social and governance efforts include: The impacts of climate change are becoming increasingly clear - not just the physical effects of a warming planet as it threatens communities and reshapes urban infrastructure but also the economic impacts as every sector examines its material risks and opportunities associated with these changes. In 2019, Citi continued to pace its strategic investments in technology, modernizing its branch and ATM network and digitizing its products and client base. 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. Citi acted as global coordinator, as well as sole financial advisor, debt structuring agent, hedging coordinator, documentation agent and facility agent on a €10.4 billion bridge facility package for CK Hutchison Group Telecom Holdings Limited (CKHGT) to support the creation of a new telecom holding company. We ranked #1 in sales quality and trading quality, as well as #1 in e-trading. The $19.4 billion we earned on $74.3 billion in revenues was $1.4 billion higher than in 2018. Investing with Purpose is our philosophy and methodology for sustainable and impactful investing. The financial results we reported and the positive economic and social impact that we and our model have on our clients and communities have never been more closely connected. Last year, we continued our support of the communities in which we live and work. We are Citi, the global bank — an institution connecting millions of people across hundreds of countries and cities. The Institutional Clients Group includes five main business lines: Banking, Capital Markets and Advisory, Commercial Banking, Markets and Securities Services, Private Banking, and Treasury and Trade Solutions (TTS). Part 1 (Page 1-287) Business Review. 2019 annual report. We again proved the value of our global client network and unmatched ability to connect people and businesses to opportunities worldwide. Across the U.S., Citi continued to advance financial inclusion and the economic strength and growth of communities. Economic and Social Infrastructure 4. Retail Services generated purchase sales of $88 billion and ended the year with a loan portfolio of $53 billion. 28 business operations. We work with companies to optimize their daily operations, whether they need working capital, to make payroll or export their goods overseas. In 2019, we built out our predictive analytics team to help us better understand how we attract, retain and promote top talent. The science is clear: climate change is a monumental challenge, and we need to move toward a low-carbon global economy. We recently launched a $150 million Citi Impact Fund to invest our own capital in U.S.-based companies that are applying innovative solutions to help address four societal challenges: workforce development; sustainability; financial capability; and physical and social infrastructure. Financed by Citi. Most importantly, we closed out 2019 on a high note, with a Return on Tangible Common Equity of 12.1%, just above our 12% target and 120 basis points higher than in 2018.2. We help clients articulate their Investing with Purpose goals and objectives, provide them with comprehensive advice and offer in-house investment management that incorporates environmental, social and governance principals, as well as partner with asset managers to deliver relevant themes and strategies. Votraint No. Following our review, we once again made appropriate pay adjustments as part of the 2019 compensation cycle. Our earnings per share of $8.04 were up more than 20% compared with the year before. 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. Both groups want simple, seamless experiences that are not just best of bank but best in life, prompting us to allocate substantial resources and mindshare to exceeding our clients' evolving expectations of engaging with Citi on their channel of choice. Part 1 (Page 1-293) Business Review. We continue to learn from our experience and to bring diverse stakeholders to the table to help us understand what leadership looks like on these evolving issues. Changes to my management team include a new President of Citi and CEO of Global Consumer Banking, Jane Fraser; a new CEO of our Institutional Clients Group, Paco Ybarra; a new CFO, Mark Mason; and new heads of our three regions. Citi, as a global bank, employer and philanthropist, is focused on catalyzing sustainable growth through transparency, innovation and market-based solutions. Annual Report 2018 DOWNLOAD HTML. Regardless of source, our intent is the same: tapping technology to eliminate client pain points and frustrations, streamline our processes, and deliver holistic, integrated products and services to customers and clients of all sizes and sectors more seamlessly and efficiently than peers. This support has enabled community organizations and municipal leaders to connect more than 850,000 young people around the world to jobs, paid internships, mentorship, workforce training and leadership development. Navigation principale. President and Chief Operating Officer . 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. Announcement Info. 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. Download. Sincerely, 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. Giving power to the people ... we also continued to actively advance the sustainability agenda by nudging customers, the community and the public to come onboard the sustainability journey with us.” Piyush Gupta Chief Executive Officer, DBS Bank. This year, Citi is on track to reach a major milestone - $1 billion in lending toward financial inclusion across the globe. 4 ANZ BANK (THAI) 2019 ANNUAL REPORT Structure of Shareholders : As of 30 Sept ember 2019 Name of Shareholder* Number of shares held (par value of THB10) % of paid up shares 1. Annual Report View; Ann. 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. Annual Reports. 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. This includes multinationals that are expanding globally, particularly in the emerging markets, and emerging markets companies that are growing beyond their home market/region.

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