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Citigroup Inc. or Citi (stylized as citi) is an American multinational investment bank and financial services company based in New York City. The company was formed in 1998 by the merger of Citicorp, the bank holding company for Citibank, and Travelers; Travelers was spun off from the company in 2002. Citigroup operates across five core businesses: Banking & International, which provides investment banking, corporate banking, and commercial banking services; Markets, which provides sales and trading services; Services (formerly known as Treasury and Trade Solutions, or TTS), which provides cash management, payments, trade finance, liquidity management, securities services, and custody banking to corporations, financial institutions, and public-sector clients; Wealth, which comprises Citi's wealth management and retail banking businesses and includes Citibank; and U.S. Consumer Cards, which is the third-largest issuer of credit cards in the United States.