Citigroup Inc., a comprehensive financial services holding company, delivers a broad spectrum of financial offerings and solutions to individuals, businesses, governmental organizations, and institutions across North America, Latin America, Asia, Europe, the Middle East, and Africa. The company operates through two main divisions: Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB division focuses on retail customers, providing traditional banking services like retail accounts, Citi-branded credit cards, and other Citi retail financial products.