Not to get too far off topic but I can tell you that most of the "big named" banks are separately owned subsidiaries. Citibank for sure, as I have asked about their policy of "Force Majeure" and was told corporate (Citibank-NY) will not reimburse funds "lost" at other off-shore Citibank units due to "Force Majeure". They suggested opening accounts in your "home country" for safety.