Management Strategy

Citi’s Mission Statement and Principles

Citi works tirelessly to serve individuals, communities, institutions and nations. With 200 years of experience meeting the world's toughest challenges and seizing its greatest opportunities, we strive to create the best outcomes for our clients with financial solutions that are simple, creative and responsible. An institution connecting over 1,000 cities, 160 countries and millions of people, we are your global bank; we are Citi.

The four key principles—the values that guide us as we perform our mission—are:

•	Common Purpose	—	One team, with one goal: serving our clients and stakeholders.

•	Responsible Finance	—	Conduct that is transparent, prudent and dependable.

•	Ingenuity	—	Enhancing our clients' lives through innovation that harnesses the breadth and depth of our information, global network, and world-class products.

•	Leadership	—	Talented people with the best training who thrive in a diverse meritocracy that demands excellence, initiative and courage.

CJL’s Management Strategy

CJL is the first locally incorporated foreign bank in the Japanese market. CJL’s goal is to fully respond to the needs of our retail and corporate clients with innovative products and services and through Citigroup’s global network – thereby playing a leading role in the financial industry. With strategic coordination across business lines and group companies, CJL aims to increase its client and revenue base and improve its asset-liability balance. Based on our long-term vision, we endeavor to continually develop our business and gain increased presence in the market, leveraging our unique position as a locally incorporated foreign bank. CJL has a long and distinguished history in Japan. We have a proud legacy of focusing our energy fully on our customers, delivering new innovations and market firsts, bringing the best of the world to our local customers, providing an excellent working environment and investing in future growth.

CJL is focused on a balanced growth strategy through its Retail Banking Division and Corporate Banking Division. The Retail Banking Division continually invests in new product, distribution and service innovations to grow its mass affluent customer base and expand its premier Citigold proposition. The Corporate Banking Division has a selected core group of relationships to which it leverages and delivers Citigroup's global strengths, providing high quality financial products, services and advice to help our customers succeed. Both Divisions continually look to improve customer experience and operational efficiencies through extensive ongoing reengineering programs.

CJL is subject to the very high regulatory standards expected of all Japanese banks, as well as the international standards expected by our regulators in the United States. We have made best efforts to enhance sound governance and internal control structures since the localization of our banking operations in July 2007 and will continue our utmost efforts to improve these structures further to meet both Japanese and global best practices. We are committed to confront in a resolute manner any undue demands and anti-social forces that threaten social order and safety.

CJL is committed to providing a working environment where its employees can thrive and achieve their full potential. By attracting and training the best people and giving them broad career development opportunities, we aim to foster an environment where employees are able to provide our clients with outstanding financial products, service and advice.

CJL is, and will continue to be, active in diversity initiatives and the community. We have focused on enhancing the opportunities available to working parents in the workplace through the childcare center in our head office and other support programs. Our community activities focus broadly on improving access to financial education and assisting those with disabilities within the communities in which we operate.

In order to fully achieve the above objectives, we seek to focus on the following principles, under the overarching theme of "Growth through Innovation" and backed by a strong foundation of compliance and control frameworks.

Live Client First
	Create a client-centric organization and value system to seamlessly meet client needs; design our products, services and processes around the customer experience.

Be the World’s Best Team
	Promote a cohesive “One Citi” culture across business lines and develop talent focused on delivering the best financial products and services for our clients.

Serve Stronger Value Propositions
	Leverage “One Citi” capabilities to respond to our clients’ increasing demand for innovative products and services across all businesses, and continue to strive for speed and simplicity.

Optimize and Protect the Franchise
	Strengthen the retail and corporate banking business platforms as well as business partnerships with other group companies, focusing our resources on growth, innovation and operating efficiency driven by the relentless pursuit of excellence.

Grow Market Share and Recognition
	Deliver increased market share and recognition through a renewed focus on growth.

Build an Iconic Brand
	Strengthen our brand commensurate with our 100+ year legacy in Japan based on a foundation of trust, integrity and innovation.

Deliver Financial Performance
	Deliver profit growth and improved operating efficiency.

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