Dear Michael Kruger,
I want you to be among the first to know about the bold steps we are taking at Citi to be the premier, global, fully integrated financial services firm.
So, let's see if you can read the rest of this letter and find a single thing that qualifies as a bold step.
Our objective is to create for our customers an experience in which services are seamless, payments and transfers effortless, and distances meaningless. My commitment - and the commitment of everyone at Citi- is to work tirelessly around the world and around the clock to deliver outstanding value and service as we continue to earn your trust and that of every customer we serve.
We are proud of our enduring strength as a global financial institution, striving to successfully meet the needs of clients like you in more than 100 countries. As always, we look forward to continuing to serve you - wherever you are and wherever you need to be.
I see "amorphous vision", myself. I don't see "bold steps".