We would use our scale and technology to enhance our capabilities while lowering our cost to serve clients. In February, I signed the CEO Action for Diversity & Inclusion, joining more than 350 CEOs and presidents committed to driving policy changes and practices in our own firms that advance equitable workplaces. Citi Retail Services also renewed its nearly two-decade partnership with Shell, launching new Shell Fuel Rewards credit cards, and signed an agreement with Sears, another long-standing partner, which secured Citi’s rights to certain portfolio assets. Citi continued to provide a range of products, services and leading digital capabilities to its individual, small business and wealth management clients. In billions of dollars, except per-share amounts, ratios and direct staff. Tony has been on the Board since 2009 and chaired the Citibank Board and the Risk Management Committee. CITIGROUP — KEY CAPITAL METRICS. 2018 was a year of steady and meaningful progress for Citi toward the overarching goal we laid out at our Investor Day in 2017: to improve the returns we generate on shareholders’ capital through 2020 and beyond. At a click, clients can execute trades, download research, read desk commentary, see live markets, monitor breaking news, watch videos from Citi trading floors around the world and even personalize their pages. While prevalent among young people, the skills gap is also causing unemployment and underemployment among adults. Through the partnership, Citi aims to raise awareness for the Paralympic Movement, support Para athletes, and advocate for societal change in perceptions around disability. In 2018, Citi Velocity added a data API to give clients unparalleled access to Citi’s extensive proprietary data and content library. Citi was the first to launch full-fledged API partnerships in Hong Kong, introducing a total of nine such partnerships in the year. Building on this success, in May 2018, Citi and Wharton introduced Excellence in Sales Leadership, a new curriculum and set of courses for the team leaders of Citi Financial Advisors and Relationship Managers. We strive to earn and maintain the public’s trust by constantly adhering to the highest ethical standards. In our U.S. franchise, our enhanced mobile app now gives clients a comprehensive view of their finances and, in an industry first, gives non-Citi clients those same capabilities. Providence, RI 02940-3078 In order to ensure that Markets and Securities Services is completely fluent in technology, directly implementing solutions and becoming more conversant, and allowing for more efficient engagement with technology partners, Citi rolled out a pilot training that offered fundamental and advanced Python and data science skills. Citi and the Citi Foundation are committed to preparing young people for today’s competitive and rapidly changing job market through our Pathways to Progress initiative. We are proud to be the first major U.S. bank to issue a TCFD report. L.L.Bean and Citi Retail Services Launch New Co-brand Mastercard. That focus also informed the Citi Foundation’s partnership with the International Rescue Committee to invest in training and placement for young refugees in Nigeria, Jordan and Greece. Global Finance released its annual World’s Best Foreign Exchange awards rating providers in 114 countries across seven regions. When we do these things well, we make a positive financial and social impact in the communities we serve and show what a global bank can do. Citi Community Capital provided $125 million in construction financing to renovate a 722-unit public housing portfolio that represents New York City Housing Authority’s Baychester and Murphy Houses. Citi strives to create the best outcomes for our clients and customers with financial solutions that are simple, creative and responsible. We also made structural changes across the franchise to drive growth and boost returns. Strategic multi-year investments in new partners and products, network enhancements as well as machine learning capabilities, and new data approaches are starting to bear fruit, driving a superior experience for clients and value for Citi shareholders. These partnerships enable us to understand and stay on top of the changing environmental, social and economic landscape globally and, together, identify and implement solutions that help address the world’s toughest challenges. Citi was awarded Financial Times’ The Banker and PWM Global Private Banking Awards for Best Global Private Bank and Best Private Bank for Customer Service. Citi’s Yasaman Hadjibashi, Head of Data and Analytics in Citi’s Global Consumer Bank, was selected to present ways companies can use big data for social good. We have 200 years of experience helping our clients meet the world’s toughest challenges and embrace its greatest opportunities. John is a former Comptroller of the Currency, distinguished counselor and longtime industry leader. We will remain true to our mission of enabling growth and progress and will continue to be true to our values as we serve our clients. Our adoption of the TCFD recommendations builds on over two decades of work promoting sustainability. We provide financing and support to governments at all levels, so they can build sustainable infrastructure, such as housing, transportation, schools and other vital public works. Citi acted as joint global coordinator on Naspers sale of $10.6 billion of shares in Tencent Holdings, the largest global accelerated equity offering to date.