PRESS RELEASES

PRESS RELEASES
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For Immediate Release
Citigroup Inc. (NYSE: C)
January 06, 2017

Citi Reduces Home Loan Rate to 8.8% from 9.5%
New rate effective January 9, 2017

Mumbai: Citi India today announced it will reduce its home loan rate to 8.80 percent from 9.50 percent, effective January 9, 2017. Citi offers a wide range of mortgage products and features to complement different life stages and financial goals for customers in India.

“The reduction in the home loan rate is reflective of our commitment to consumers who may be interested in purchasing under-construction or ready-to-move-in property,” Rohit Ranjan, Head of Secured Lending, Citi India said.

The final pricing on the loan will be based on the loan amount, product or facility type offered, and internal Citi loan risk assessment parameters.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

Additional information may be found at www.citigroup.com | Twitter: @Citi | YouTube: www.youtube.com/citi |
Blog: http://blog.citigroup.com | Facebook: www.facebook.com/citi | LinkedIn: www.linkedin.com/company/citi

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinanc e, Enterprise Development, and Youth, Education & Livelihoods.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

For Immediate Circulation
Citigroup Inc. (NYSE: C)
January 10, 2016

Citi India Launches Voice Biometrics Authentication
Voice Biometrics offers enhanced security, faster and more convenient authentication experience for consumer banking clients
Your Voice is Now your Password

Mumbai: Citi India today announced the launch of voice biometrics authentication for its consumer banking clients. The new technology allows clients to use their voiceprints for authentication rather than having to remember multiple PINs or respond to questions used for verifying their identities.

The voice biometrics authentication capability uses voiceprint, similar to fingerprint, which is unique to each person. The new authentication solution is fast, secure and convenient to use as verification is automatically completed within 15 seconds while clients speak with our CitiPhone officers when they call CitiPhone Banking, our 24-hour service hotline. This is a reduction from the average 45 seconds spent verifying their details currently. CitiPhone in India receives an average of 12.5 million calls annually.

When clients call CitiPhone Banking, they can choose to enroll for this service by having their voice recorded to generate their unique voiceprint. Each voiceprint will be uniquely tagged and cannot be emulated or reused once stored.

"This is another step to simplify our client experience and drive efficiencies for the bank. Voice biometrics authentication, coupled with our already launched e-Chat and Virtual Assistant features, are transforming the way we service the Citi customer in India. We anticipate a very high uptake for the use of voice biometrics authentication amongst our customers," Anand Chopra, Head of Operations & Technology for Citi South Asia.

"Voice Biometrics authentication can greatly add to the overall customer experience over the phone by allowing customers to focus on their work with the bank and learn more about our service offerings, rather than spending their time to recall information, in order to start transacting," said Kartik Kaushik, Country Business Manager, Global Consumer Bank, Citi India.

Voice biometrics authentication is being rolled out in phases in all 12 of Citi’s consumer banking markets in Asia Pacific, representing more than half of the bank’s 19 consumer markets globally.

Clients can enroll for the voice biometrics authentication by calling CitiPhone Banking, our 24-hour service hotline. Upon clients’ agreement, a recording will be made of their voice while speaking with a CitiPhone officer. The authentication system will analyze clients’ recording and create their unique voiceprint, which will be securely stored in the system. Thereafter, whenever clients call CitiPhone Banking, the voice biometrics authentication system will use the voiceprint to match the client’s identity at the start of any call, so that clients can directly proceed to banking services. The CitiPhone officer may ask additional security questions basis the nature of the transaction. For further details or to register for voice biometrics authentication, please call 1860 210 2484.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

Additional information may be found at www.citigroup.com | Twitter: @Citi | YouTube: www.youtube.com/citi |
Blog: http://blog.citigroup.com | Facebook: www.facebook.com/citi | LinkedIn: www.linkedin.com/company/citi

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinanc e, Enterprise Development, and Youth, Education & Livelihoods.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

JAN

For Immediate Release
Citigroup Inc. (NYSE: C)
January 06, 2017

Citi Reduces Home Loan Rate to 8.8% from 9.5%
New rate effective January 9, 2017

Mumbai: Citi India today announced it will reduce its home loan rate to 8.80 percent from 9.50 percent, effective January 9, 2017. Citi offers a wide range of mortgage products and features to complement different life stages and financial goals for customers in India.

“The reduction in the home loan rate is reflective of our commitment to consumers who may be interested in purchasing under-construction or ready-to-move-in property,” Rohit Ranjan, Head of Secured Lending, Citi India said.

The final pricing on the loan will be based on the loan amount, product or facility type offered, and internal Citi loan risk assessment parameters.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

Additional information may be found at www.citigroup.com | Twitter: @Citi | YouTube: www.youtube.com/citi |
Blog: http://blog.citigroup.com | Facebook: www.facebook.com/citi | LinkedIn: www.linkedin.com/company/citi

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinanc e, Enterprise Development, and Youth, Education & Livelihoods.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia

For Immediate Circulation
Citigroup Inc. (NYSE: C)
January 10, 2016

Citi India Launches Voice Biometrics Authentication
Voice Biometrics offers enhanced security, faster and more convenient authentication experience for consumer banking clients
Your Voice is Now your Password

Mumbai: Citi India today announced the launch of voice biometrics authentication for its consumer banking clients. The new technology allows clients to use their voiceprints for authentication rather than having to remember multiple PINs or respond to questions used for verifying their identities.

The voice biometrics authentication capability uses voiceprint, similar to fingerprint, which is unique to each person. The new authentication solution is fast, secure and convenient to use as verification is automatically completed within 15 seconds while clients speak with our CitiPhone officers when they call CitiPhone Banking, our 24-hour service hotline. This is a reduction from the average 45 seconds spent verifying their details currently. CitiPhone in India receives an average of 12.5 million calls annually.

When clients call CitiPhone Banking, they can choose to enroll for this service by having their voice recorded to generate their unique voiceprint. Each voiceprint will be uniquely tagged and cannot be emulated or reused once stored.

"This is another step to simplify our client experience and drive efficiencies for the bank. Voice biometrics authentication, coupled with our already launched e-Chat and Virtual Assistant features, are transforming the way we service the Citi customer in India. We anticipate a very high uptake for the use of voice biometrics authentication amongst our customers," Anand Chopra, Head of Operations & Technology for Citi South Asia.

"Voice Biometrics authentication can greatly add to the overall customer experience over the phone by allowing customers to focus on their work with the bank and learn more about our service offerings, rather than spending their time to recall information, in order to start transacting," said Kartik Kaushik, Country Business Manager, Global Consumer Bank, Citi India.

Voice biometrics authentication is being rolled out in phases in all 12 of Citi’s consumer banking markets in Asia Pacific, representing more than half of the bank’s 19 consumer markets globally.

Clients can enroll for the voice biometrics authentication by calling CitiPhone Banking, our 24-hour service hotline. Upon clients’ agreement, a recording will be made of their voice while speaking with a CitiPhone officer. The authentication system will analyze clients’ recording and create their unique voiceprint, which will be securely stored in the system. Thereafter, whenever clients call CitiPhone Banking, the voice biometrics authentication system will use the voiceprint to match the client’s identity at the start of any call, so that clients can directly proceed to banking services. The CitiPhone officer may ask additional security questions basis the nature of the transaction. For further details or to register for voice biometrics authentication, please call 1860 210 2484.

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

Additional information may be found at www.citigroup.com | Twitter: @Citi | YouTube: www.youtube.com/citi |
Blog: http://blog.citigroup.com | Facebook: www.facebook.com/citi | LinkedIn: www.linkedin.com/company/citi

About Citi India:

Committed to India for over 110 years, Citi takes pride in being a premier locally embedded financial institution, backed by an unmatched global network. Citi is an employer of choice in India offering consumers and institutions a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, brokerage, treasury and trade services, securities and fund services and wealth management. In line with our commitment to make a positive difference in the communities we work, Citi India's citizenship program targets its strategic efforts in the priority areas of Financial Capability & Asset Building, Microfinanc e, Enterprise Development, and Youth, Education & Livelihoods.

Additional information may be found at: www.citibank.co.in | Facebook: www.facebook.com/citiindia