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About Global Consumer Group

Citi Global Consumer Group

The Citi Global Consumer businesses comprise the financial service sector's most diverse consumer product offerings, including banking services, credit cards, loans and insurance. Our businesses also offer industry-leading technology, a strong worldwide presence and a powerful global franchise in Citibank.

United States Cards

With nearly 120 million accounts, our United States Cards franchise offers credit and charge cards such as MasterCard®, VISA®, and private label.

United States Retail Distribution

Retail Distribution business comprises four business: Citibank, CitiFinancial, Primerica Financial Services and Citibank Direct. Citibank provides personal and small business banking products and services, as well as investment services, through our bank branch network; CitiFinancial provides predominantly consumer loan products and services; Primerica Financial Services provides financial products and services through independent representatives; and Citibank Direct, our newest channel, provides bank services through the internet.

Found in more than 100 countries worldwide, Citibank delivers a wide array of banking, lending and investment services to individual consumers, as well as to small businesses with up to $10 million in annual sales. Citibank also offers a full range of financial services products to serve the needs of small and large corporations, governments, and institutional and individual investors.

Citibank Direct, our newest channel, provides bank services through the Internet.

CitiFinancial provides community-based lending services through a strong branch network system. Decisions are made locally by CitiFinancial team members who live and work in the locations they serve. CitiFinancial’s consumer loan services include real estate-secured loans, unsecured and partially secured personal loans, and loans to finance consumer goods.

Primerica Financial Services provides products and services through independent representatives. Primerica has more than 100,000 licensed representatives who serve more than 6 million clients in the U.S., Canada, Puerto Rico, Spain and the UK. Through a Financial Needs Analysis, Primerica representatives provide a snapshot of a family’s financial picture and suggest a strategy for financial security via Primerica’s products and services. Primerica’s business opportunity is attractive to people from many different backgrounds, including women, African-Americans, Hispanics and young adults.

United States Consumer Lending

United States Consumer Lending provides consumer loans through various distribution channels.
Loan products are grouped into three categories:

  • Real Estate Lending - Provides mortgage and home equity lending. Loans are originated directly with consumers via the telephone, internet, corporations, Smith Barney, Citibank branches and Primerica agents, and indirectly through mortgage brokers, banks and mortgage companies. CitiMortgage and My Home Equity

  • Student Loans - Provides educational loans to students that are typically sourced through financial aid offices at educational institutions. Also provides government loan origination and servicing capabilities to student loan providers, including academic and financial institutions

  • Auto - Provides automobile financing through franchised and independent auto dealers, auto manufacturers, and the internet.

 Commercial Business Group

The Commercial Business Group provides leasing, banking and real estate products and services to small and medium-sized enterprises across a broad range of industries.

  • Banking

  • Leasing

  • Commercial Real Estate

International Cards

Our International Cards operation offers an array of cards products to 20.9 million accounts in 42 countries outside of the United States. 

International Consumer Finance

Consumer finance and community-based lending services in 20 countries outside the United States, operating under a number of brands around the world.
CitiFinancial Canada

International Retail Banking

Citibank offers a wide spectrum of market-leading financial products and services, tailored to meet the needs of local customers, in 40 countries around the world.

Citi Microfinance

The Citi Microfinance works with the microfinance sector and business investors to develop appropriate products, distribution mechanisms and financing to broaden and increase the reach of financial services. These activities include Citi providing direct and structured financing, access to local capital markets, leasing, individual lending through MFI partners, foreign exchange and interest rate hedging, remittances and insurance.

Women & Co.

Women and Company was created to address the unique financial needs of women. It offers personal attention and special savings on products and services suited to meet women's needs.