1. Citi’s Landscape for Supporting Financial Inclusion
Sanjiv Vohra
Country Head and Citi Country Officer
Philippines
29 October 2009

2. Citi Priorities
Microfinance and Microenterprise
Financial Education and Asset Building
Environment with focus on sustainable enterprises
Small and Growing Businesses
Youth Education
Disaster Response
Workplace - inclusive, diverse, empowering

3. Citi commercial scaling – beyond philanthropy
Expanding access to financial services
Working across Citi’s businesses, product groups and geographies
Citi Microfinance serves more than 100 MFIs, networks and investors as clients in over
40 countries with products and services spanning the financial spectrum – from
financing, access to capital markets, transaction services and hedging foreign exchange
risk, to credit, savings, remittances and insurance products - to expand access to
financial services for the underserved.
Supporting sector development, Supporting the microfinance sector development through
networks for more than 20 years through Citi Foundation
Leveraging Citi footprint, No other American bank has local bank presence in more than 100
countries
Establishing MFIs relationship, Citi has established policies and procedures to bank, finance
and commercially partner with MFIs in their local currency, local language and local law.
Serving international investors, donors and funds working in the microfinance sector
Strictly Private and Confidential

4. Working with 100 clients in more than 40 countries
Europe
1 Network
3 Fund EE / Central Asia
Managers 13 MFIs
7 Countries
US
7 Networks
2 Fund
Managers
Asia
35 MFIs
9 Countries
Latin America
26 MFIs
11 Countries
1 Fund Manager Africa
13 MFIs
9 Countries

5. Leading innovation through milestone transactions
Citi Microfinance has been a pioneer in leading milestone transactions in various financial areas and
geographies.
Citi Microfinance works in partnership with MFIs to extend the depth of financial services to low income
households.
Citi Microfinance is embedding microfinance across all Citi’s businesses
Export and To
From Private Commercial Corporate Agency Local Capital
Consumer Banking Banking Banking Banking Financing Markets
Examples of Citi milestone transactions worldwide
Mexico India USA Pakistan Peru Bangladesh Mexico
1.4 million Savings Microloans First First First Investment
women products microfinance microfinance Securitization grade
portfolio structured
covered by using local currency Bond of microloans bonds
Purchase
micro biometrics ATM syndication 2006
2002 2002 - 2003
insurance 2008
2004 2007 US$180 million Sole Bookrunner
US$30 million US$20 million
From 2005 over 6 years MXP 200 million
US$22 million
Strictly Private and Confidential

6. Philippine Initiatives: Microfinance
7th Citi Microentrepreneur of the Citi Network Strengthening
Year Awards Program
7 years running. Gave more than US$375,000 in
grants
and recognizing 41 outstanding Filipino
microentrepreneurs nationwide.
US$11.2 million international grant program that
will increase the ability of 12 major microfinance
networks to develop products and services that
will meet the needs of their members and clients.
Microfinance Training and Commercial Microfinance: CARDS
Accreditation Program with Asian CARD – Citi Php 150 Million
Microfinance Facility Agreement
Institute of Management Signing
Management training modules developed by
Citi to offer train-the-trainer courses to more
than 100 trainers from MFIs across 10
countries in the region.

7. 10-year, US$200 million commitment to Financial Education
Citi Financial Education and Asset Building programme focuses on personal finance
and touches people of every age, ethnicity and economic level and reaches across
businesses, languages and countries.
April 2004 – Office of of Financial Education
10-year, $200 million commitment to promoting financial education around the
world
As of 2008 - Citi and Citi Foundation has invested approximately US$149 million in
hundreds of financial education programmes around the world
Strictly Private and Confidential

8. Philippine Initiatives: Financial Education
“Estudyantipid” Series “Hatch” Series
1st Series – 7 episodes on basic personal
finance
Citi Junior Bankers Congress
Contributed US$ 200,000 in 7 years and
benefited 210 students from various Held campus tours in 2007 covering 15 universities in
universities nationwide Metro Manila and Cebu reaching over 7,500 students.
Hatch II: Personal Education Program for Call Center
Agents for implementation in 2009
Money Matters for Kids Travelling
Exhibit and Workbook
Money for Kids Traveling Exhibit: To run a month-long
traveling exhibit in 4 locations nationwide in 2009-
2010
Money for Kids Workbook: Production of 3,000 copies
Citi-FINEX Rafael B. Buenaventura of workbooks for distribution to beneficiary children
Outstanding Finance Educators during exhibit.
Award

9. Citi-FT Financial Education Summit 2009
3 – 4 December 2009, Singapore in partnership with the Pearson Foundation and the
Financial Times
Sixth in a series held annually
Provides a unique platform to share best practices in developing, delivering and
evaluating financial education initiatives from around the globe
Strictly Private and Confidential

10. Consumer Education
Use Credit Wisely
Financial Planning and Investor Education
Customer Communication