Internal Structure and Operations of the Company 5

External Environment of the Company 6

The Dow Jones Diversified Financial Index 6

Competitive Factors within the Industry 7

Suppliers of Raw Materials and Services 7

Potential Entrants into the Industry 8

Strengths and Weaknesses of Competition 8

Market Opportunities and threats to the Industry 8

Citigroup Inc. travels under an old umbrella and pours on the competition. Predecessor Travelers Group was founded in 1864 by businessmen in Hartford, Connecticut. Travelers soon added life insurance, annuities, and liability insurance; in 1897 it issued the first auto policy. It later added group life, and so

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