Thanks for quoting part of the article. The full article has more on Jane Fraser the incoming CEO, where Citibank is right now, and where their focus will be going forward. It's a worthwhile read for anyone following Citibank.

From what I understand, Citi recognizes their global footprint isn't working and it shows in their profitability. They are intending on selling a lot of their global assets pending on suitable buyers so they can focus on their US based business. They have no plans at the moment to open branches in US at a massive scale, which I personally think completely makes sense in 2021.

Rome wasn't built in a day. It took 20 years for Citi to get to where it is now after the merger with Travelers Bank. It may take them another 20 years to turn the ship around. I wouldn't expect any drastic changes to come to CitiGold shortly, if there's any coming at all. I hope I'm wrong because I would love to have a competitive contender in the retail bank market, but it would not be realistic to expect thoughtful changes coming shortly.