Pros
Diversity and globality. It is a business that is far reaching that allows one to explore a number of different businesses under one roof. Citi does value International expereince and a braod range of skills. With offices in over 100 countries the ability to gain valuable insight from a world perspective is easily attainable.
Cons
It is way too large. As much as diversity and globality is a strength it is also a weakness. The busines is just too big for one person to manage and the Company has gotten away from its core value, which is banking. what made Citi successful in teh past has been passed over for sheer size and for making way for a giant financial supermarket. The market has proven that this cannot work, but the reason that this has not worked is that Citi has concentrated more on building and acquiring rather than melding. The busineses are all silos with no money spent on integrating business so that they work as one. Through all of this what has been lost is the innovative spirit that Citi possessed.