Your Career at Citi Consumer Banking

Recognized worldwide as Citibank, the Consumer Group's Retail Banking business operates in 46 countries and has over 3,200 branch locations providing financial products and services that suit customers' needs. Citi Cards, the credit card business, operates in 46 countries and manages over 145 million accounts. It holds a leadership position in both bank and private label cards, providing customer-focused solutions to individuals worldwide. CitiFinancial, the Consumer Finance business with nearly 3,600 branches in over 25 countries, provides products and services to individuals who prefer alternatives to traditional credit. Other businesses within the Global Consumer Group include CitiMortgage, CitiCapital, Primerica, Student Loan Corporation, Women & Company, and Diners Club International.

Continued Growth

With $17.9B in earnings, Citi was the most profitable financial services company in the world in 2003. In fact, our net income has grown every year since Citigroup was formed in 1998 through the various economic cycles that we experienced in the last 6 years. Despite our size and past achievements, we feel that we are positioned for continued growth. We have ambitious growth plans to execute, with a particular emphasis on investing to drive organic growth complemented by targeted acquisitions. Although the financial services industry will continue to evolve going forward, we are committed to continue to succeed in an ever-competitive landscape.

Entrepreneurship

With 275,000 employees around the world, Citigroup is a global powerhouse. Yet, we create small circles of partnership so each business operates independently within the larger organization. It is this kind of culture that fosters the entrepreneurial spirit of and creates unique opportunities for Citigroup's employees. Small businesses within larger businesses all working together under the umbrella.

People

Citigroup looks for people of action, who are creative, and who can execute. We value integrity, teamwork and partnership in everything that we do. Our employees take enormous pride in their work and in our company. As one of the largest companies and most recognized brands in the world, we constantly strive to continue our tradition of excellence, to drive growth and to be an industry leader in any market in which we choose to compete.

Responsibility

"We will not rest until we are the employer, service provider, business partner and neighbor of choice." We are proud to have a corporate culture that encourages diversity. Citigroup has formed employee networks open to all employees which include the African Heritage Network, the Pride Network, the Women's Network, the Working Parents Network, the Hispanic Network, and a multicultural Network. These networks, with chapters in the United States and Europe, demonstrate Citigroup's commitment to creating an inclusive environment where diversity is embraced and valued. In 2003, Citigroup's combined philanthropic giving from the Citigroup Foundation and its Global Consumer Group businesses was $88.8 million. These funds were given to a wide variety of organizations to support programs in four key areas: financial education, general education, microfinance, and lending and investing in low and moderate income communities.