1. 1 Citibank and the Latino Market

2. Mergers & Acquisitions Citibank 2 3. 3 4. Travelers Group Divisions First National City Corp First National City Bank National City Corp Citicorp National City Bank Citibank Citicorp Citigroup Inc. Citibank Financiero Atlas, Chile Golden State Bancorp, CA Citigroup Inc. Citigroup Inc Washington Mutual Finance Corp * Citigroup Inc First American Bank, Texas 4http://www.citigroup.com/citi/corporate/history/citibank.htm * Washington Mutual Finance Corp is a division that provides direct consumer installment loans and real estate secured loans, as well as sales finance and the sale of insurance. Only his division was sold to Citigroup. 5. 7-Eleven Citigroup Added 5,500 Atms in U.SA Citi Holdings Citigroup Citicorp 5 6. 6 Financial Services Penetration in the Latino Market 7. 7 8. 8 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 2005 2006 2007 2008 2009 BANCO POPULAR BANK OF AMERICA JPMORGAN & CHASE CITIBANK HSBC SUNTRUST WELLS FARGO CREDIT UNIONS OTHER BANKS 2005 to 2009 Banks Penetrations National 9. 9 National WEST MIDWEST SOUTHWE ST SOUTHEAS T NORTHEAS T BANK OF AMERICA 26% 28% 11% 22% 36% 22% OTHER BANKS 18% 15% 23% 15% 26% 20% CREDIT UNIONS 17% 20% 25% 18% 12% 6% WELLS FARGO/WACHOVIA 16% 23% 4% 22% 5% 4% JPMORGAN & CHASE 14% 11% 25% 18% 8% 20% CITIBANK 5% 3% 5% 4% 3% 17% BANCO POPULAR 2% 0% 6% 0% 1% 7% SUNTRUST 1% 0% 0% 0% 8% 0% HSBC 1% 0% 2% 0% 0% 5% 10. Demographic Findings 10 11. Gender More Male More Female Other Banks 66% Male 34% Female 55% Male 45% Female 53% Male 47% Female 47% Male 53% Female 46% Male 54% Female 45% Male 55% Female 43% Male 57% Female 42% Male 58% Female 50% Male 50% Female Category 51% Male 49% Female Filter: Hispanics + Primary Banking Accounts Source: NCS/NHCS: FALL 2009 ADULT FULL YEAR (NOV 08 - DEC 09) Question: Are you male or Female? 11 12. Marital Status More Married Less Married Other Banks 81% Married 18% D/S/W 1% Single Category 54% Married 15% Div/Sep/Wid 31% Single 58% Married 15% D/S/W 27% Single 59% Married 25% D/S/W 16% Single 58% Married 20% D/S/W 22% Single 55% Married 26% D/S/W 19% Single 55% Married 16% D/S/W 29% Single 55% Married 27% D/S/W 18% Single 51% Married 26% D/S/W 23% Single 40% Married 27% D/S/W 33% Single Filter: Hispanics + Primary Banking Accounts Source: NCS/NHCS: FALL 2009 ADULT FULL YEAR (NOV 08 - DEC 09) Question: What is your current marital status? 12 13. Age Youngest Oldest Other Banks 28% 18-24 25% 25-34 20% 35-44 16% 45-54 11% 55+ Category 20% 18-24 24% 25-34 20% 35-44 17% 45-54 19% 55+ 17% 18-24 23% 25-34 21% 35-44 18% 45-54 22% 55+ 17% 18-24 15% 25-34 18% 35-44 23% 45-54 27% 55+ 13% 18-24 22% 25-34 23% 35-44 17% 45-54 25% 55+ 12% 18-24 30% 25-34 21% 35-44 18% 45-54 19% 55+ 12% 18-24 28% 25-34 20% 35-44 15% 45-54 25% 55+ 6% 18-24 30% 25-34 20% 35-44 10% 45-54 34% 55+ 1% 18-24 38% 25-34 32% 35-44 5% 45-54 24% 55+ 7% 18-24 16% 25-34 22% 35-44 26% 45-54 29% 55+ Filter: Hispanics + Primary Banking Accounts Source: NCS/NHCS: FALL 2009 ADULT FULL YEAR (NOV 08 - DEC 09) Question: What is your age? 13 14. Nativity Born in U.S Born outside U.S Other Banks 65% in U.S 35% out U.S Category 42% Us Born 58% Outside U.S 44% in U.S 56% out U.S 43% in U.S 57% out U.S 40% in U.S 60% out U.S 37% in U.S 63% out U.S 35% in U.S 65% out U.S 34% in U.S 66% out U.S 27% in U.S 73% out U.S 5% in U.S 95% out U.S Filter: Hispanics + Primary Banking Accounts Source: NCS/NHCS: FALL 2009 ADULT FULL YEAR (NOV 08 - DEC 09) Question: Where you born in the United States? 14 15. Heritage-Country of Origin Most Mexican Least Mexican Other Banks 76% Mex 7% C.Ame 6% S.Amer 4% Carib 7% Other 70% Mex 4% C.Ame 3% S.Amer 10% Carib 13% Other 60% Mex 8% C.Ame 10%S.Amer 16% Carib 6% Other 54% Mex 11% C.Ame 9% S.Amer 20% Carib 6% Other 52% Mex 8% C.Ame 11% S.Amer 20% Carib 9% Other 47% Mex 10% C.Ame 14% S.Amer 24% Carib 5% Other 33% Mex 26% C.Ame 1% S.Amer 39% Carib 1% Other 31% Mex 19% C.Ame 13% S.Amer 36% Carib 1% Other 8% Mex 5% C.Ame 36% S.Amer 45% Carib 6% Other Category 61% Mex 8% C.Ame 9% S.Amer 15% Carib 7% Other Filter: Hispanics + Primary Banking Accounts Source: NCS/NHCS: FALL 2009 ADULT FULL YEAR (NOV 08 - DEC 09) Question: What ethnicity or from what ethnic heritage do you consider yourself to be? 15 16. Identification with Original Culture Least Acculturated Most Acculturated Other Banks 16% Low 25% Medium 59% High Category 44% Low 18% Medium 38% High 8% Low 6% Medium 86% High 38% Low 16% Medium 46% High 38% Low 17% Medium 45% High 34% Low 23% Medium 43% High 40% Low 20% Medium 40% High 43% Low 19% Medium 38% High 57% Low 17% Medium 26% High 72% Low 3% Medium 25% High Filter: Hispanics + Primary Banking Accounts Source: NCS/NHCS: FALL 2009 ADULT FULL YEAR (NOV 08 - DEC 09) 16 17. Language Preference when Speaking Spanish Preferred English Preferred Other Banks 89% Spanish 11% English Category 44% Spanish 56% English 54% Spanish 46% English 59% Spanish 41% English 53% Spanish 47% English 55% Spanish 45% English 48% Spanish 52% English 45% Spanish 55% English 44% Spanish 56% English 25% Spanish 75% English Filter: Hispanics + Primary Banking Accounts Source: NCS/NHCS: FALL 2009 ADULT FULL YEAR (NOV 08 - DEC 09) Question: Do you personally prefer to speak Spanish or English? 17 18. Education Level Least Educated Most Educated Other Banks Category 11%