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NEW YORK ( TheStreet) -- There are a lot of reasons to fear the banks, Jim Cramer told Debra Borchardt at TheStreet.com Monday, but when it comes to Citigroup ( C), things are a lot better than they look. Cramer said Citigroup had a great quarter with great revenue growth, and the company is taking share overseas. But perhaps most impressive is Citigroup's emerging-markets business, which is seeing tons of growth even in countries like Mexico, which is often thought of as a failed state. Investors may continue to worry about the elections, the fiscal cliff and the collapse in of technology profits, but when it comes to the banks, Cramer said, Citigroup is the one to own. Watch the full Cramer interview