Citigroup Inc., the diversified financial services holding company, operates across North America, Latin America, Asia, Europe, the Middle East, and Africa, offering a wide range of financial products and services to consumers, corporations, governments, and institutions. The company is divided into three segments: Institutional Clients Group (ICG), Personal Banking and Wealth Management (PBWM), and Legacy Franchises. Its ICG segment includes a suite of wholesale banking products and services, while its PBWM segment focuses on traditional banking services to retail and small business customers. The Legacy Franchises segment provides retail banking and branded card products. Founded in 1812 and headquartered in New York, the company is a leading player in the global financial services industry.