Citigroup Inc

Citigroup is a large U.S. bank operating across five segments: services (cash management, trade finance, securities services for large corporates), markets (trading and market-making), banking (investment banking and corporate lending), wealth management, and U.S. retail banking (credit cards, deposits, loans). Its primary customers are large multinational corporations, institutional clients, and U.S. retail consumers. The firm earns revenue through net interest income, transaction fees, trading spreads, and advisory fees. Its core competitive advantage is its cross-border network—direct presence in roughly 90 countries—which makes it particularly useful to multinationals moving money internationally.