Citigroup Inc.

Citigroup Inc. is a leading American multinational investment bank and financial services corporation headquartered in New York City. Founded in 1812 as the City Bank of New York, Citigroup has evolved over two centuries to become one of the largest banking institutions in the world, operating in more than 95 countries and serving over 200 million customers worldwide. The company operates through two primary segments: Institutional Clients Group (ICG), which provides investment banking, corporate banking, and markets services to corporations, governments, and institutional investors; and Personal Banking and Wealth Management (PBWM), which offers retail banking, wealth management, and credit card services to individual consumers and small businesses. Citigroup is renowned for its global reach and expertise in cross-border banking, foreign exchange, and emerging markets, maintaining one of the most extensive international networks among U.S. banks. The company's investment banking division consistently ranks among the top globally in areas such as debt capital markets, equity underwriting, and mergers & acquisitions advisory. With approximately 200,000 employees worldwide, Citigroup serves as a critical financial intermediary, facilitating global commerce and providing essential banking services across developed and emerging markets. The company is listed on the New York Stock Exchange and is a component of the S&P 500 index. Following the 2008 financial crisis, Citigroup has undergone significant restructuring and regulatory compliance improvements, focusing on strengthening its capital position and risk management practices. The bank continues to invest heavily in digital transformation and fintech innovations to enhance customer experience and operational efficiency in the evolving financial services landscape.