Citi Bailout Could Spur Longed-for Unwind

Updated from 2:07 p.m. EST

Citigroup's (C Quote) bailout by the U.S. government means that the banking giant is going to have to be more aggressive in fixing its troubles -- and that's likely to mean deconstructing its financial supermarket model.

The bank announced early Monday that the U.S. government is taking an additional $20 billion stake in Citi through the Troubled Asset Relief Program, on top of the $25 billion it already received, and backstopping up to $306 billion of losses in various assets.

Industry observers say that the company has minimal choices at this point. ...