@ Marriage is not only about honeymoon
At the very roots, the predecessors of Citigroup started as local banks and achieved substantial growth in home as well as international markets through continuous product innovation and truly market orientation. In the flow of the years, as the banks became more heavy, zest of true marketers abandoned the ship. Yes, Citigroup became a flagship of the industry; nevertheless, its manoeuvrability has reduced. To conquer new territories, the admiral needs mobile troops capable of swift engagement. This remains a lesson the company is still trying to learn.
After the merger in 1998, the groom, Travelers, who was already a heavy person counting on his weight, took the bride, Citi, still romantic, relying on the beauty of marketing. As the result of this marriage, a new child was born, Citigroup, which sadly inherited most of its features from the father. When two cultures clashed, the heavy one had won. The beauty was buried under the layers of bureaucracy.
Having both parents coming from big cities, the child sucked the urban spirit with mother’s milk. Citigroup lives the live according to its name: bank you can only find in big cities, with few exceptions, when it goes for holidays to some remote premises. Never mind, it wakes up, goes to work, dines, and parties in places that are inhabited by millions of people.
Today, the teenager looks beyond its years. In fact, having utilised all assets from its parents, it already achieved superior results and made it to the top of the school league. 
The life would be great, if not one thing: the obesity syndrome. At this moment, the best doctors of the world are trying to cure it. They succeed to polish it in the front of a TV camera; however, they didn’t stop it from growing. Now it is so huge, it cannot fit in a normal-size suit. It goes to the special tailors. The child has become a giant.
Will it survive in the world of Lilliputs? Will they put the Gulliver down while it is asleep? Will it become a target of another, yet hungrier, giant? Those questions remain on the table for the future historians.