A safer approach to risk.

At the most basic level, banking is all about the balance between risk and reward. And sometimes that balance needs to be adjusted to align with current conditions. Brian Leach, our Chief Risk Officer, has overhauled Citi's approach to risk so that moving forward, we will be one of the safest and most prudent banks in the marketplace.

For our society to function efficiently, capital needs to flow. But the attendant risk must be better managed. That's why we've strengthened our commitment to responsible finance. We've brought in new risk management leadership. And we've reduced our risky assets by more than half and our overall assets by more than a quarter. Reduced risk means less loss and more money available for the people who need it most - American businesses and individuals who are working so hard to face the challenges of the current economy. The new Citi. Working to be smarter, stronger and to help fuel the recovery.