A Citi under siege

The starkly contrasting fourth-quarter results of Citigroup and Wells Fargo give an insight into how global regulators see the future of banking, and it's not good news for global giants.

It was convenient that both Citigroup and Wells Fargo released their fourth-quarter earnings overnight. Their starkly contrasting results provided an insight into the future of banking as global regulators would prefer it to be.

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