Citigroup's global head of consumer Ajay Banga speaks during the Reuters banking summit in New York March 14, 2006. U.S. banks are eyeing cost-cuts, staff changes and even putting themselves up for sale as they brace themselves to overcome one of the most challenging interest rate environments in at least five years. While regional banks may be forced to make tough decisions in the U.S., huge institutions like Citigroup Inc. continue to build themselves up overseas. Banga is discussing the bank's international plans on Tuesday at the summit. REUTERS/Keith Bedford