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SAN FRANCISCO, CA - APRIL 18:  A pedestrian walks by a CitiBank branch office on April 18, 2011 in San Francisco, California.  Citigroup's first-quarter profit dropped 32 percent with quarterly earnings of $3.0 billion, or 10 cents per share, compared to $4.4 billion, or 15 cents per share one year ago.  (Photo by Justin Sullivan/Getty Images) Justin Sullivan / Getty Images