a brown university case study spring 20056 citigroup our growth over the years has been extraordinary despite this empirical record we are sometimes asked can you still grow too big to dependent on deals for much of your chuck prince ceo and bob willumstad cfo in 2003 annual report beth markle put down phone quickly jolted several talking points her legal pad next meeting she had just spoken with manager new citibank retail branch brooklyn as na s director product marketing is responsible deciding whether or not branches nationwide would begin offering free checking all customers admiring view lower manhattan skyline from office 37th floor tower wondered what banking landscape look like 10 now more financial institutions began offer most profitable company world felt pressure make decision mixed feelings about one hand it attract but other