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Citibank is a major international bank, founded in 1812 as the City Bank of New York, later First National City Bank of New York. Citibank is now the consumer banking arm of financial services giant Citigroup, one of the largest companies in the world. As of March 2007, it is the largest bank in the United States by holdings.[1]

Citibank has operations in more than 100 countries and territories around the world. More than half of its 1,400 offices are in the United States, mostly in the New York City, Chicago, Miami, and Washington, D.C. metropolitan areas, as well as in California.

In addition to the standard banking transactions, Citibank offers insurance, credit card and investment products. Their online services division is among the most successful in the field, claiming about 15 million users.

As a result of the global financial crisis and huge losses in the value of its subprime mortgage assets, Citibank was rescued by the U.S. government under plans agreed for Citigroup. On November 23, 2008, in addition to initial aid of $25 billion, a further $25 billion was invested in the corporation together with guarantees for risky assets amounting to $306 billion.[2]

According to the Citigroup website, until October 2006, Citibank ran the following subsidiaries:

Citibank, N.A.(National Association) - The "original" Citibank, primarily doing business in New York State and the tri-state New York City metropolitan area. Also the parent company of the other subsidiaries.[10]
Citibank Canada.[11]
Citibank Texas, N.A. - The former First American bank.[10]
Citibank (West), F.S.B. - The former Citicorp Savings (a savings and loan operating in California), as well as the former California Federal Bank and Golden State Bank.[10]
Citibank, F.S.B. - The primary Citibank subsidiary serving all other states, based in Chicago.[10]
Citibank Banamex USA - Formally California Commerce Bank, Banamex's U.S. banking division.
Citibank (South Dakota), N.A. - A credit card and lending-only bank based in Sioux Falls, South Dakota, including the former Associates National Bank.
Universal Financial Corp. - A credit card bank, purchased in 1997, that manages the AT&T Universal Card.
On October 1, 2006, a massive re-organization designed to streamline the various Citibank banking charters occurred. Under the new structure, the following divisions were consolidated into:

Citibank, N.A.:
Citibank, FSB
Citibank (West), FSB
Citibank, Texas, N.A.
Citibank Delaware
Citibank Banamex USA
Citicorp Trust, N.A. (California)
Citibank South Dakota, N.A.:
Citibank, Nevada, N.A.
Citibank USA, N.A.
Universal Financial Corp.
Citibank South Dakota, FSB
花旗银行（Citibank, N.A.）是花旗集团属下的一家零售银行，其主要前身是1812年6月16日成立的“纽约城市银行”（City Bank of New York），经过近两个世纪的发展、并购，已成为美国最大的银行，也是一间在全球近五十个国家及地区设有分支机构的国际大银行，总部位于纽约市公园大道399号。

根据美国联邦存款保险公司(FDIC)的资料，2005年3月31日，花旗集团控股的12家美国花旗银行的国内存款总额为204,351,066千美元，资产总额为935,236,982千美元（逾九千亿美元）；这些数字并不包括花旗银行的海外机构。

花旗银行是在中国开办业务的第一家美国银行。1902年5月15日，花旗银行的前身之一“国际银行公司”（International Banking Corporation）在上海开设分行，这也是花旗银行在亚洲的第一家机构。同年，国际银行公司于7月1日在新加坡与马尼拉，10月8日在横滨，12月8日在香港分别开设另外四家机构。1964年8月3日，花旗银行在台北开设分行。花旗银行在澳门的业务则开始于1983年5月27日。1995年，在离开45年后，花旗银行重新在中国大陆常规办理业务，已经在北京、 广州、上海、深圳、天津、成都、大连、杭州开设了分行。在大陆和台湾，Citibank均译作“花旗银行”，在香港与纽约的华人社区则使用“万国宝通银行”（可能源自International Banking的名字）；2001年年底，香港使用的中文名改为与大陆及台湾相同的“花旗银行”。