It was a dramatic year at Citigroup. As the company continued to slash costs and shrink business lines in its turnaround effort, it also altered its corporate structure, combining a number of consumer products businesses under one umbrella while seeking to expand digitally. That comes as the bank continues to lag behind peers in terms of return on equity, and has repeatedly fallen short of its internal targets. In 2018, Citi also lowered its revenue goals, targeting 2% growth for 2020 compared to an earlier 3% goal. However there are signs the turnaround is taking hold: In the first quarter of 2019, the bank’s ROE grew to 10.2%, compared to a 9.4% average for 2018.