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In this file photograph taken June 23, 2010, Vikram Pandit, CEO of Citigroup Inc., speaks at the New York Forum, in New York. Citigroup said Friday, July 16, its second-quarter net income dropped 10 percent to $2.7 billion even as its loan losses fell. (AP Photo/Mark Lennihan, file)
Photo by: Mark Lennihan
In this file photograph taken June 23, 2010, Vikram Pandit, CEO of Citigroup Inc., speaks at the New York Forum, in New York. Citigroup said Friday, July 16, its second-quarter net income dropped 10 percent to $2.7 billion even as its loan losses fell. (AP Photo/Mark Lennihan, file)

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