I have also never felt better or more confident about who we are, what we stand for, and the lasting value of the many things we do for our clients, our communities, our shareholders, our people and all of our stakeholders worldwide. 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. 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. 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. 2020 was another successful year for AO Citibank. 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. As of January 31, 2020, Citigroup had approximately 66,990 common stockholders of record. In addition to helping clients realize the opportunities inherent in transitioning to a low-carbon economy, we are conducting sophisticated analyses of the risks associated with our own and our clients' exposure to a variety of transition scenarios. In Asia, we entered into new credit card partnerships with digital leaders Grab, Lazada and Indian e-commerce juggernaut Paytm. 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. Internationally, we launched a suite of new products and digital capabilities. We have been on the front lines and in charge of leading our industry with our sustainability strategy since joining the United Nations Environment Programme Finance Initiative in 1997 and co-founding the Equator Principles in 2003. 781 575 4555 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. Citigroup common stock is listed on the NYSE under the ticker symbol "C." Citigroup preferred stock Series J, K and S are also listed on the NYSE. 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. Our mortgage business, which provides loans for home purchase and refinance transactions in the U.S., originated $16.9 billion in new loans in 2019. In 2021, we also benefited from double-digit growth in deposits across our consumer franchise in the U.S. Our strategy to complement the great service we provide in our U.S. retail branches with best-in-class digital tools continued to pay off: Weve received $20 billion in digital deposits, and more than two-thirds have come from customers outside of our branch footprint, with about half of those deposits from our cardholders who did not previously have a retail relationship with us. As COVID-19 barreled along an unpredictable path, Citi continued to help clients and customers navigate the impacts of economic lockdowns, inflationary pressures and supply chain disruptions and access the short- and long-term liquidity they've needed to manage through the pandemic. This includes broad trading and execution capabilities for electronic and complex structured products, financing and hedging solutions, and clearing, custody and funds services. Telephone No. At Citi, we emerged in a strong competitive position in terms of capital, liquidity, technology and, importantly, talent. The world's largest credit card issuer, Citi is a global leader in payments, with over 138 million accounts and $564 billion in annual purchase sales, and unrivaled partnerships with premier brands across Branded Cards and Retail Services. Since our founding in 2012, sf.citi has helped expand the tech industrys social impact footprint in San Francisco. While all agreed that tech jobs will likely emerge in more cities across the country as a result of remote work, they also predict tech will continue to gravitate toward San Francisco. They also shared ways the tech industry could support their work during the pandemic, including laptop and cellphone donations and transportation assistance for their workers. 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. 1RoTCE represents annualized net income available to common shareholders as a percentage of average tangible common equity and is a non-GAAP financial measure. The line dividing business and politics has all but disappeared, creating an entirely new paradigm for multinationals. In my conversations with clients and world leaders, they tell me this is the most complex landscape they can remember - but this is precisely the kind of environment in which Citi shines. Our unique business model enables us to focus on fewer, larger and more sophisticated clients who have an average net worth above $100 million. In addition, net income excluding reserve releases is a non-GAAP financial measure. From climate change to social inequality to financial inclusion, there are numerous challenges facing society today. sf.citi Launches The COVID-19 Effect Event Series sf.citi Executive Director Jennifer Stojkovic then hosted a virtual discussion about the future of tech and San Francisco with Ron Conway, sf.citi Board Chair and Founder of SV Angel, and Kyle Vogt, Co-Founder and Chief Technology Officer of Cruise. Pure Natural Health Australia ( Lemon Detox ) may charge you a fee to cover the costs of retrieval and copying which will not be excessive and will not apply to lodging a request for access. Personal Banking and Global Wealth Management - with strong connectivity among them to bring the full power of Citi to our clients. In addition to helping clients realize the opportunities inherent in transitioning to a low-carbon economy, we are conducting sophisticated analyses of the risks associated with our own and our clients' exposure to a variety of transition scenarios. 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 are targeting a significant opportunity to redefine scale not according to the traditional metrics of assets and footprint but with digitally driven experiences. 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. As colleagues and clients want to work for, and do business with, companies that affirmatively reflect their own priorities and principles, more firms intent on attracting and retaining top talent are rising to the challenge. She is Vice Chair for Partnership for New York City and a member of the Harvard Business School's Board of Dean's Advisors, the Stanford Global Advisory Board, the Economic Club of New York and the Council on Foreign Relations. 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. Citi acted as financial advisor and lead provider of committed financing to Occidental Petroleum Corporation on its acquisition of Anadarko Petroleum Corporation, a transaction valued at $57 billion that was the third largest energy acquisition globally and the largest in North America in the last 20 years. Breaking Into Tech During the Pandemic Our vision for Citi is to be the pre-eminent banking partner for institutions with cross-border needs, a global leader in wealth management and a valued personal bank in our home market. Our annual e for Education campaign raised $8.15 million in 2019 to benefit education-focused nonprofits. Prior, Jane was the Global Head of Strategy and Mergers & Acquisitions for Citi from 2007 to 2009. Ensuring we have a culture characterized by excellence underpins the success of our Transformation. Box 505004 This is about modernizing our systems and structures so that we can better manage the speeds and complexities of the digital world. The cover and editorial section of this annual report are printed on McCoy, manufactured by Sappi North America with 10% recycled content and FSCChain of Custody Certified. Box 505004 We continued to make progress toward the financial targets we have laid out. 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. This is about modernizing our systems and structures so that we can better manage the speeds and complexities of the digital world. At year-end, card receivables were $175 billion. We drove 4% underlying revenue growth across our Consumer and Institutional franchises. And in the lead-up to the November 2020 election, we introduced sf.citi members to leading Supervisorial candidates and hosted two widely attended debates. We collaborate both internally across our business units and externally with stakeholders to maximize our impact. 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 she was not aware of any violation by Citigroup of the corporate governance listing standards of the NYSE. They used the best of technology to unite teams that were suddenly distributed across the country, if not the world. Importantly, Citi continued to execute strategic multi-year investments in key growth areas U.S. Please be 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. Over the course of 2020, connection became even more vital for our community, and sf.citi hosted. CoDi will enable more than 5.5 million digital clients to transfer money and make payments of up to 8,000 pesos (US$400) per transaction with ease and at no cost using Quick Response(QR) codes. Citi Asia-Pacifics leadership and excellence in digital banking has been recognised in the first round of Global Finances 2020 Worlds Best Digital Banks Awards. 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. If we fall short, we will take decisive action and learn from our experience. Specific offerings include payments and receivables, liquidity management and investment services, commercial card programs, and trade services and trade finance. 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. And by breaking down silos and deepening the sense of ownership that our people feel for the firm, we are building a culture thats focused on delivering the best outcomes for all our stakeholders. HOUSTON, Aug. 19, 2020 (GLOBE NEWSWIRE) -- Occidental (NYSE: OXY) today announced it has entered into a purchase and sale agreement to divest Wyoming, Colorado, and Utah Land Grant assets to Orion Mine Finance (Orion) for approximately $1.33 billion. For a reconciliation to reported results, see Slide 31 of Citi's Fourth Quarter 2019 Earnings Review available on Citi's investor relations website. We coordinated conversations between our members and more than 20 government leaders to discuss ways tech can support San Franciscos recovery and collaborate on policies. First, we partner with startups that value our model, global client base and brand to test and deploy new technologies at scale. 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. Airbnbs animal welfare policy was the conversation starter at The Business of Doing Good, hosted in partnership with World Animal Protection US and Airbnb. The transaction, which has a combined enterprise value greater than $155 billion, represents the largest aerospace and defense transaction in history. In every case, we are working to reach solutions that will provide optimal results for our people, clients and shareholders. The conversation was part of SF Commons ongoing SF Nonprofit Spotlight Series, which highlights San Franciscos network of nonprofits and all of the important work they do for our City. 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. In Asia, we introduced co-brand and white label credit card partnerships with digital leaders, including Grab, Lazada and Paytm, with over 10 partnerships now live. We ranked #1 in sales quality and trading quality, as well as #1 in e-trading. And in 2020, despite being virtual, we hosted more events than we have in the past few years combined! The Consent Orders issued in 2020 by two of our U.S. regulators the Federal Reserve Board (FRB) and Office of the Comptroller of the Currency (OCC) underscored how we have underinvested in some of those areas for too long. For a reconciliation to reported results, see page 44 of Citi's 2021 Annual Report on Form 10-K. And companies are responding to calls from all stakeholder groups to become more purpose driven and take a leading role in sustainable practices. Jane Fraser became CEO and set a path for Citi to win in the digital world, Created Global Wealth Management to capitalize on the extraordinary rise in wealth creation, Launched Citi Self Invest, a no-fee digital app that expands access to wealth management, Streamlined Citi's consumer presence to focus on businesses with higher-return opportunities, Launched Citi Custom Cash card to meet evolving needs of the digital consumer, Reached $20 billion in digital deposits in the U.S. Retail bank, Submitted our Transformation plans to regulators to create a best-in-class risk and controls environment, Established a new, hybrid model for the future of work and welcomed nearly 47,000 new colleagues, Won two key custodial mandates including the management of nearly $1 trillion in ETFs, Expanded the industry's largest instant payment network now present in 28 markets, Facilitated landmark deals of 2021 including the largest merger of two Asian internet companies to date, Served as the active bookrunner for the largest USD transaction of 2021 which was also the sixth-largest USD transaction of all time, Grew Prime Finance balances by 23% outperforming the market index by 3%. sf.citi Concludes The COVID-19 Effect Event Series Citi has played an integral role in the Sioux Falls community, impacting a large number of nonprofit partners through Citi Foundation grants, investments, training, volunteerism and service. 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. Markets and Securities Services relies on global breadth and product depth to provide an enhanced client experience. In 2019, we launched many innovative services for our clients, including Citi's Payment Outlier Detection in 90 countries, with advanced analytics, artificial intelligence and machine learning to help proactively identify outlier payments; and Cross-Currency Sweeps, a liquidity management solution that aggregates foreign currency balances into a currency and account of choice. Findlay Creek Community Association 2014 Annual Report Presented at the AGM on October 15, 2014 Fred Barrett Arena Board members Returning: George Barrett, Greenspace Brad Nixon, Secretary and Roads/Transportation Caroline Rohrig, Users can perform these transactions directly from mobile phone to mobile phone. We were incredibly proud to see so many sf.citi members offer their innovation, services, and resources to bring connectivity and hardware to thousands of San Francisco residents. 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. More than 50% of the progress toward financial inclusion in this country in the past six years has been made through Citibanamex.". She joined Citi in 2004 in the Corporate and Investment Banking division. 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 has the scale and capabilities to finance and support the institutions - governments, corporations, nonprofits and aid organizations - that can contribute to the future that we want and the future that our communities deserve. The new space features an abundance of natural light and panoramic views throughout the building, coupled with collaborative workspaces, new amenities and cutting-edge technology, making it a great place to come to work. Holders of Golden State Bancorp, Associates First Capital Corporation or Citicorp common stock should arrange to exchange their certificates by contacting: Computershare Huntington Platinum Perks Checking $300 Bonus (CO, IL, IN KY, MI, MN, OH, PA, SD, WV, WI) Citi Priority Account Up to $2,000 Cash Bonus. 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. 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. We work with companies to optimize their daily operations, whether they need working capital, to make payroll or export their goods overseas. The $19.4 billion we earned on $74.3 billion in revenues was $1.4 billion higher than in 2018. Being clinical in assessing which businesses Citi can retain or secure leading market positions. About eight months into the pandemic, sf.citi hosted a second conversation about social impact in the age of COVID-19 and remote work. Citi has the scale and capabilities to finance and support the institutions - governments, corporations, nonprofits and aid organizations - that can contribute to the future that we want and the future that our communities deserve. We financed over $6 billion worth of affordable rental housing projects. We are Citi, the global bank an institution connecting millions of people across hundreds of countries and cities. We ended 2021 with a solid balance sheet and a liquidity coverage ratio of 115%. 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. We transitioned the entire program online, offering a full week of virtual speed networking sessions with tech professionals, as well as a panel discussion about shifts in the job landscape as a result of COVID-19. Through Citibank, Citi Priority, Citigold and Citigold Private Client, we serve clients across the full spectrum of the wealth continuum so once they become a Citi customer, they can stay a Citi customer as their needs evolve. We strive to earn and maintain the public's trust by constantly adhering to the highest ethical standards. sf.citis Executive Director explained how, in addition to affecting San Franciscos overall financial health, the migration of tech workers and companies out of San Francisco carries significant implications for local nonprofits who depend on City funding. Thanks for your interest in Citi's Annual Report. We have invested over $194 million in this initiative to date and will soon be announcing its next stage. $20.2M 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. 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. Citi is also serving as lead financial advisor to LVMH Mot Hennessy Louis Vuitton SE and is providing committed financing for its definitive agreement to acquire Tiffany & Co. in a $16.9 billion transaction, the largest luxury acquisition in history. In billions of dollars, except per-share amounts, ratios and direct staff. 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