Case recomendation

I'm working on a Citigroup case study but have no idea how to do the last section and it seems difficult.Any help would be appreciated.

http://www.afl-cio.org/corporatewatch/paywatch/retirementsecurity/case_citigroup.cfm

Also, additional info about Citigroup financials

http://www.citigroup.com/citi/fin/

I know the fudamental problem of Citigroup is they are not profitable.

I need help coming up with a recomendation.

7. Recommendations
Recommendations should respond to the key problem of the case, and must be specific and actionable. They must not be obvious "so what" platitudes and they must be consistent with the analysis. Your recommendations should be in line with your analysis; that is, they should follow logically from the previous discussion.
This section is the most important section of the case write-up and should clearly identify and develop two independent alternative solutions to the problem in the case. You need to fully develop each alternative, including details about the alternative, implementation of each alternative, potential outcomes of implementing each alternative, as well as discussing advantages and disadvantages of each alternative.
This section shows your creativity, your ingenuity, and your strategic management expertise, which is why this section is the most important section of the case write-up. Be as thorough as possible in your development of each alternative. Each alternative should be fully developed and analyzed in a total of no more than one page for each.
This section should state which of the two alternatives you developed in the previous section should be implemented by the company. The key is to match the internal resources (strengths) of the firm to the opportunities and threats in the external environment in a way that addresses (and resolves) the key marketing problem(s) you've identified.
Be certain to describe the decision-making process that led to your recommended solution.

Do not forget to consider the firm's financial standing when making recommendations.

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This section should state which of the two alternatives you developed in the previous section should be implemented by the company. The key is to match the internal resources (strengths) of the firm to the opportunities and threats in the external environment in a way that addresses (and resolves) the key marketing problem(s) you've identified.
Be certain to describe the decision-making process that led to your recommended solution.

Do not forget to consider the firm's financial standing when making recommendations.

There are two recommendations being offered for improving the financial position of Citibank. For the year ended December 2007 Citibank had positive operating income of 79 billion whereas in the year ended December 2008 it had an operating loss of 20.3 billion. The return on assets was -1.25% and return on equity was -18.55%. The profit margin was -76.31 % whereas the operating margin was 109.73% in 2008.

The first recommendation is to close down the non-profitable operations. The mortgages that have failed are related to the home loans. Citibank should refrain from giving any customer loans. In fact, those branches that are focused on getting consumer related business should be closed down. No fresh credit cards should be issued. To clarify, Citibank should not give loans for purchase of homes or personal real estate, its should not give any loans for purchase of consumer durables like cars and appliances for personal use and Citibank should refrain from extending finance through credit ...