Message from the President

Kazuya Jono Representative Director, President & CEO Citibank Japan Ltd.

To Our Valued Customers,

In 2012, Citi marked its 200th anniversary globally and has now embarked on its third century of business. In Japan, we have a history spanning more than 110 years, where Citibank Japan has built a reputation for providing innovative and high quality services to our customers from our retail and corporate banking divisions. I am determined to work with our employees to further strengthen our business and continue to improve the quality of our products and services for our customers in Japan and around the world.

Citibank Japan is committed to being a bank that meets local market expectations, with a strong compliance and governance framework.

Citibank Japan is financially strong and well capitalized, with 259.8 billion yen in total capital and 258.6 billion yen in Tier 1 capital as of March 31, 2013. Citibank Japan's capital adequacy ratio was 28.47%, and its Tier 1 capital ratio was 28.34%, as of March 31, 2013, ranking it among the highest of all Japanese banks in terms of capital adequacy ratios.

We are sincerely committed to serving Japanese families and companies and making our contribution as part of Japan's society and economy. Thank you very much for your continued patronage and support.

May 2013

Kazuya Jono
Representative Director, President & CEO
Citibank Japan Ltd.

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