While Corbat said that the bank's strategy remains intact, he hinted earlier that changes are afoot. "As a first step, I'm going to take the next several weeks to immerse myself in the businesses and review reporting structures," Corbat said in a memo to employees, reviewed by TheStreet. "These assessments will result in some changes, and I will make sure to communicate these changes with you as decisions are made so that you are informed and updated." The promise of change could not be more welcome for Citigroup's shareholders. The stock is up nearly 40% year-to-date, but is still down more than 90% in the five years Pandit has been CEO. Shareholders showed their displeasure by roundly rejecting Pandit's 2011 pay package of $15 million earlier this year. But perhaps even that was not enough. Shareholders seem eager for a new game plan for Citi. Pandit's plan for Citigroup has been pretty straightforward since he took over in December 2007 and steered the bank through the crisis. Expand in international markets, return to traditional banking, wind down non-core assets and return capital to shareholders. So what could change under the new CEO? Here's three big questions facing Citigroup. 1. Will the international expansion continue?: Citi has made considerable progress on international expansion. According to a recent presentation made to investors, the bank derives 60% of its revenues from international markets. This has also been a strategy industry analysts have been on board with, amid moribund growth in developed economies. The company is also beginning to see key markets in Latin America and Asia turn a profit on an operating basis. Corbat has considerable experience in international markets and last held the position of CEO for Europe, Middle East and Africa. In the conference call, Corbat said the bank would continue to pursue growth in the fastest growing markets. Perhaps he might consider repositioning the bank in certain markets and consolidating some of the bank's presence in order to boost efficiency, though he refrained from making any specific comments.