Financial Education at Citibank

in Asia Pacific

Ashok VaswaniCEO, Asia Pacific Consumer Bank, Citigroup

OECD Conference on Financial EducationNew Delhi

September 21-22, 2006

Use Credit Wisely

Parallel ApproachParallel Approach

Save & Invest Wisely Citizenship

• Educational websites

• Credit tools & advice

• Tailored information /media outreach

• Financial planning tools

• Publications & seminars

• Industry investment fairs

• Behavioural finance surveys

• Country/regional programs for youth and adults

• Capacity building of the financial education community

Responsible advice to customers and other consumers

BUSINESS RESPONSIBILITY

Support for:• Low-income/disadvantaged• Advocates/practitioners

COMMUNITYRESPONSIBILITY

Use Credit WiselyUse Credit Wisely

• Educational website www.usecreditwisely.com

• Australia, India, Malaysia, Korea, Philippines, Taiwan, Singapore, Thailand

Citibank Philippines’ Tagalog site

Citibank India’s site

Use Credit WiselyUse Credit Wisely

• Credit tools & advice

• Tailored versions across markets to meet local needs

Use Credit WiselyUse Credit Wisely

• Segmentation of consumers to meet specific knowledge needs

• Outreach through the media to encourage prudent financial management

Working Mom magazine (Philippines)

Good Housekeeping (Philippines)

Save & Invest WiselySave & Invest Wisely

• Customer financial planning tools to achieve long-term financial goals

Save & Invest WiselySave & Invest Wisely

• Customer aids to help them keep to their goals and realize their dreams

Save & Invest WiselySave & Invest Wisely• Information tailored for the Asian investor

• Personal investment guide to help both new and savvy investors

Save & Invest WiselySave & Invest Wisely

• Outreach to investors in collaboration with major industry players:Alliance of Experts” series – HK, Korea, Singapore, Taiwan, India, Philippines

Save & Invest WiselySave & Invest Wisely• Independent Investor Psychology Survey – Hong Kong, Singapore and Taiwan

– to remind investors to make rational, long-term investment decisions

Wenweipo (Hong Kong)

Singapore Business Times

Save & Invest WiselySave & Invest Wisely• Citibank Retirement Index – Australia, Hong Kong, Singapore and Taiwan:

survey analyzed retirement needs, issues, and goals of consumers

Singapore Business TimesJuly 2006

The Age, Australia