Treasury and Trade Solutions September 2014 Mobile Treasury and the Connected Bank
Digital Trends that are Shaping the Market Digital Impact to Banking Industry Social Data Cloud Mobile 1
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 TTS Digital Strategy TTS Strategic Priorities Macro Economy Low interest rate environment driving the need to create new fee based services. 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. 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. Expand channels and extend reach through mobile technology Deepen connections and bridge organizational gaps through social collaboration tools Optimize business performance for Citi and clients through rich data and analytics Deliver private cloud platforms and products that enable channel and device expansion, and reduced cycle times 2
Executing on Our Digital Strategy: TTS Digital Services and Solutions Expand channels and capture new flows Deepen core digital platforms, products, and services Deliver a consistent and enhanced client experience across the network Optimize business performance for Citi and clients through rich data and analytics SM Trade Self Service Analytics Clients have a complete and consistent view of all of their cash management capabilities. Trade clients can perform critical operational transactions: upload trade documentation, access Citi Supplier Finance, and more. Best in class self service capabilities to gain the most current and relevant information about accounts, inquiries and cut off times. Access sophisticated payments and receivables solutions via interactive dashboards Mobile ebam CitiConnect SM Tablet Award-winning mobile banking platform for institutional clients to conduct business anytime, anywhere in real time. Digital application for managing account opening, signatory changes and maintenance, enabling self service in 54 countries. CitiConnect integrates payments, receivables and information with clients data systems from anywhere in the world. Tablet App targeted at senior executives who are driving global business decisions. CitiConnect 3
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. SM Mobile Market Trends: Installed Devices as a % of Global Population 25% 20% 15% 10% 5% 0% 7% 10% 1% 7% 18% 2% 22% 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 CAGR Smartphones 20% 6% 56% PCs 12% Tablets 73% ~80% of enterprise user access will be via mobile devices by 2020 (compared to only 5% today) Citi Value Proposition: Citi has delivered two new alternative channels for clients to access our best-in-class online corporate banking platform, SM : Mobile: Industry leading mobile platform that processed $113Bn in Mobile Payments from on-the-road ICG clients in 2013 alone! SM Tablet Tablet: Launched in September 13 in the App Store, targeted at C-level executives who are driving global business decisions 4 Source: Forbes, May 2014; BI Intelligence, Dec 2013; IBM Survey, Nov 2013; Financial Express, June 2014
Transforming a Treasurer s Typical Workday Mobile CitiConnect or Analytics Analytics CitiConnect or Mobile SM Tablet Global Balance Analysis Reconcile prior day activity View trends prepare for treasury team meeting Urgent Payment Auth Payment Input / Authorize Access and decision financing Authorize payments Final Balances Tablet A day in the life 7AM 8AM 10AM 12PM 2PM 4PM 6PM 9PM Holistic digital experience delivering simplicity, channel choice and analytics reliability 5
SM Tablet: Overview TTS has introduced the first Tablet-specific online corporate banking tablet application in the market, SM 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. 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.. 6
SM 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 7
SM Mobile: Anytime, Anywhere, Real-time Access Conduct critical business anywhere, anytime via your mobile device for improved visibility, efficiency and control. 1 How will I know when 2 How can you ensure the 3 How can you make the 4 payment can be authorized? transaction is approved? payment remotely? How can you validate the transaction? 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 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 SM Mobile 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) 8
SM : Next Generation Overview 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. Initiate Transactions via SM Approve and Release Transactions via Mobile Pivot Critical Data and Analytics via Tablet Send files via CitiConnect SM via Tablet View reports via CitiConnect Or via file upload via via ERP CitiConnect ERP Integrator 9-10-
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