""That credibility shows up because a lot of people who lead our franchise in those markets are from those countries,""
""That's been incredibly valuable for us.""
""I don't see large multinationals retrenching and becoming much more insular,""
""In the planning process, risk plays a significant role. They're involved in the macroeconomic variables we use, and we always conduct stress testing as part of planning.""
Citigroup serves clients in more than 180 countries and maintains a physical presence in over 90 countries, leveraging decades of multinational service and institutional operations even where consumer banking has been exited. Global reach and local leadership provide credibility and a lasting competitive advantage amid shifting supply chains and geopolitical tensions. The firm emphasizes adaptability while preserving cross-border support for multinationals. Technology modernization focuses on improving data quality, risk controls, and regulatory reporting through process discipline and strong internal leadership. AI is central: each business identified five AI use cases, teams meet weekly to share progress and manage risks, and AI tools like Citi Assist and Citi Stylist have been deployed to roughly 180,000 employees.
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