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Citigroup Inc. is a global financial services company providing banking, investment, insurance, and related products and services to consumers, corporations, governments, and institutions worldwide. The company operates through segments including Global Personal Banking (retail banking, credit cards, wealth management), Institutional Clients Group (corporate and investment banking, trading, transaction services), and other operations. Citigroup maintains one of the most extensive international networks among U.S. banks, operating in approximately 100 countries. Founded in 1812 as City Bank of New York and headquartered in New York City, Citigroup was formed through the 1998 merger of Citicorp and Travelers Group. The company has undergone significant restructuring including divestitures of consumer banking operations in multiple countries to focus on wealth management and institutional banking. Citigroup has faced regulatory challenges, operational and technology infrastructure issues, and profitability pressures. The company benefits from global corporate banking capabilities, Treasury and Trade Solutions leadership, and credit card franchises. Citigroup continues to invest in technology modernization, risk management, operational improvements, and strategic focus on profitable businesses.