Citigroup Inc. or Citi is an American multinational banking and financial services corporation headquartered in Manhattan, New York City.
Statistics based on 1,314 current and past employees of Citigroup.
Citigroup career paths & jobs statistics
Top Citigroup job responsibilities
Analyst
5.24%
(32)
Citigroup Careers
Director
2.45%
(15)
Citigroup Careers
Financial Analyst
2.29%
(14)
Citigroup Careers
Intern
1.96%
(12)
Citigroup Careers
Associate
1.8%
(11)
Citigroup Careers
Assistant Manager
1.64%
(10)
Citigroup Careers
Internship
1.15%
(7)
Citigroup Careers
Managing Director
0.98%
(6)
Citigroup Careers
Consultant
0.82%
(5)
Citigroup Careers
Summer Analyst
0.82%
(5)
Citigroup Careers
Management Associate
0.82%
(5)
Citigroup Careers
Project Manager
0.82%
(5)
Citigroup Careers
Summer Intern
0.82%
(5)
Citigroup Careers
Customer Service
0.65%
(4)
Citigroup Careers
Manager
0.65%
(4)
Citigroup Careers
Software Developer
0.65%
(4)
Citigroup Careers
Business Analyst
0.65%
(4)
Citigroup Careers
Human Resources
0.49%
(3)
Citigroup Careers
Sales and Trading Analyst
0.49%
(3)
Citigroup Careers
Summer Associate
0.49%
(3)
Citigroup Careers
Investment Banker
0.49%
(3)
Citigroup Careers
AVP
0.49%
(3)
Citigroup Careers
Branch Manager
0.49%
(3)
Citigroup Careers
Senior Programmer/Analyst
0.49%
(3)
Citigroup Careers
Senior Associate
0.33%
(2)
Citigroup Careers
Credit & Collections
0.33%
(2)
Citigroup Careers
Asst. Manager
0.33%
(2)
Citigroup Careers
VP
0.33%
(2)
Citigroup Careers
Trader
0.33%
(2)
Citigroup Careers
Finance Manager
0.33%
(2)
Citigroup Careers
Research Associate
0.33%
(2)
Citigroup Careers
System Administrator
0.33%
(2)
Citigroup Careers
Credit Risk Analyst
0.33%
(2)
Citigroup Careers
Relationship Manager
0.33%
(2)
Citigroup Careers
Capital Markets Analyst
0.33%
(2)
Citigroup Careers
Product Manager
0.33%
(2)
Citigroup Careers
Equity Research
0.33%
(2)
Citigroup Careers
Technology Analyst
0.33%
(2)
Citigroup Careers
Financial Advisor
0.33%
(2)
Citigroup Careers
Credit Analyst
0.33%
(2)
Citigroup Careers
Customer Support
0.33%
(2)
Citigroup Careers
Network Engineer
0.33%
(2)
Citigroup Careers
Operations Analyst
0.33%
(2)
Citigroup Careers
Wealth Management
0.33%
(2)
Citigroup Careers
IT Analyst
0.33%
(2)
Citigroup Careers
Senior Software Engineer
0.16%
(1)
Citigroup Careers
Risk Support Analyst
0.16%
(1)
Citigroup Careers
Assistant Manager - Net Asset Valuation Analyst EMEA Region
0.16%
(1)
Citigroup Careers
Teller
0.16%
(1)
Citigroup Careers
Workflow Coordinator
0.16%
(1)
Citigroup Careers
AVP; Business Development - LatinAmerica
0.16%
(1)
Citigroup Careers
Payroll
0.16%
(1)
Citigroup Careers
Management
0.16%
(1)
Citigroup Careers
Project Leader/Manager
0.16%
(1)
Citigroup Careers
信用卡業務
0.16%
(1)
Citigroup Careers
Technology Project Manager
0.16%
(1)
Citigroup Careers
Quantitative Analyst Summer Intern
0.16%
(1)
Citigroup Careers
Programmer
0.16%
(1)
Citigroup Careers
Assistant VP
0.16%
(1)
Citigroup Careers
Senior VP, Global IT Risk & Control Manager
0.16%
(1)
Citigroup Careers
Business Process Analyst
0.16%
(1)
Citigroup Careers
Oracle Database Administrator
0.16%
(1)
Citigroup Careers
FX Options
0.16%
(1)
Citigroup Careers
Senior Programming Analyst
0.16%
(1)
Citigroup Careers
Trade Processing
0.16%
(1)
Citigroup Careers
Salesmanager
0.16%
(1)
Citigroup Careers
Default Processor
0.16%
(1)
Citigroup Careers
Sybase/Sybase IQ DBA
0.16%
(1)
Citigroup Careers
Financial Associate
0.16%
(1)
Citigroup Careers
Hedge Fund Accountant
0.16%
(1)
Citigroup Careers
Accounting Analyst
0.16%
(1)
Citigroup Careers
VP Regulatory Accountant
0.16%
(1)
Citigroup Careers
Billing Disputes Specialist
0.16%
(1)
Citigroup Careers
Multiple
0.16%
(1)
Citigroup Careers
Consultant - Voice Engineer
0.16%
(1)
Citigroup Careers
Retail Banker
0.16%
(1)
Citigroup Careers
Sales and Trading Summer Analyst
0.16%
(1)
Citigroup Careers
Recovery Analyst
0.16%
(1)
Citigroup Careers
Collections Specialist
0.16%
(1)
Citigroup Careers
Collections Rep
0.16%
(1)
Citigroup Careers
Head of Department
0.16%
(1)
Citigroup Careers
Regulatory Compliance Analyst
0.16%
(1)
Citigroup Careers
Senior Business Analyst
0.16%
(1)
Citigroup Careers
Technical Specialist
0.16%
(1)
Citigroup Careers
VP Database Marketing
0.16%
(1)
Citigroup Careers
Institutional Fixed Income Broker
0.16%
(1)
Citigroup Careers
Bankruptcy Specialist
0.16%
(1)
Citigroup Careers
Quality Control Specialist
0.16%
(1)
Citigroup Careers
Escrow
0.16%
(1)
Citigroup Careers
Computer Auditor
0.16%
(1)
Citigroup Careers
Hedge Fund Operations
0.16%
(1)
Citigroup Careers
Corporate Reporting
0.16%
(1)
Citigroup Careers
Associate Security Income Analyst
0.16%
(1)
Citigroup Careers
AML Operations Analyst
0.16%
(1)
Citigroup Careers
FX Marketing Manager
0.16%
(1)
Citigroup Careers
Mortgage Loan Processor
0.16%
(1)
Citigroup Careers
Facility Management
0.16%
(1)
Citigroup Careers
AVP, Transaction Services Manager
0.16%
(1)
Citigroup Careers
Director of Training
0.16%
(1)
Citigroup Careers
Customer Service Specialist
0.16%
(1)
Citigroup Careers
Anti-Money Laundering
0.16%
(1)
Citigroup Careers
SVP, Decision Management
0.16%
(1)
Citigroup Careers
Conference Coordinator
0.16%
(1)
Citigroup Careers
RVP-2002-2007.DIRECTOR NACIONAL 2007-2009-NSD PRIMERICA
0.16%
(1)
Citigroup Careers
Fraud Investigator
0.16%
(1)
Citigroup Careers
Ada
0.16%
(1)
Citigroup Careers
Banksta
0.16%
(1)
Citigroup Careers
Gerente
0.16%
(1)
Citigroup Careers
SVP, Training Director
0.16%
(1)
Citigroup Careers
QA Specialist
0.16%
(1)
Citigroup Careers
Regional Sales Director
0.16%
(1)
Citigroup Careers
Foreign Exchange Specialist-Backoffice
0.16%
(1)
Citigroup Careers
Customer Service and Sales
0.16%
(1)
Citigroup Careers
Smith Barney Sales Rep
0.16%
(1)
Citigroup Careers
Customer Service Manager
0.16%
(1)
Citigroup Careers
MOD
0.16%
(1)
Citigroup Careers
貴賓理財專員
0.16%
(1)
Citigroup Careers
Backend Specialist
0.16%
(1)
Citigroup Careers
Representante Comercial
0.16%
(1)
Citigroup Careers
辦卡員
0.16%
(1)
Citigroup Careers
Commodities
0.16%
(1)
Citigroup Careers
Administrative Specialist
0.16%
(1)
Citigroup Careers
Project Management Intern
0.16%
(1)
Citigroup Careers
Summer Analyst - Quantitative Trading & Analysis
0.16%
(1)
Citigroup Careers
Client Relationship Manager
0.16%
(1)
Citigroup Careers
Account Management, Treasury & Trade Solutions
0.16%
(1)
Citigroup Careers
Accounting Specialist
0.16%
(1)
Citigroup Careers
IT Sr. Business Analyst
0.16%
(1)
Citigroup Careers
Senior Analyst
0.16%
(1)
Citigroup Careers
VP Communications
0.16%
(1)
Citigroup Careers
Analyst Officer
0.16%
(1)
Citigroup Careers
Ops Support
0.16%
(1)
Citigroup Careers
Typer
0.16%
(1)
Citigroup Careers
Assistant Center Manager
0.16%
(1)
Citigroup Careers
Account Resolution Specialist/Skip Tracer
0.16%
(1)
Citigroup Careers
Analyst - Debt Capital Markets
0.16%
(1)
Citigroup Careers
Contratista
0.16%
(1)
Citigroup Careers
Operations
0.16%
(1)
Citigroup Careers
Too Many to List
0.16%
(1)
Citigroup Careers
Financial Planning and Analysis Intern
0.16%
(1)
Citigroup Careers
Account Representative
0.16%
(1)
Citigroup Careers
No
0.16%
(1)
Citigroup Careers
SVP
0.16%
(1)
Citigroup Careers
Collections Manager
0.16%
(1)
Citigroup Careers
Derivatives Trader
0.16%
(1)
Citigroup Careers
Transponster
0.16%
(1)
Citigroup Careers
Title Curative
0.16%
(1)
Citigroup Careers
Administration
0.16%
(1)
Citigroup Careers
Mortgage Trader
0.16%
(1)
Citigroup Careers
Retired
0.16%
(1)
Citigroup Careers
IBD Intern
0.16%
(1)
Citigroup Careers
Equity Research Associate
0.16%
(1)
Citigroup Careers
VP, Client Support
0.16%
(1)
Citigroup Careers
SMA trader
0.16%
(1)
Citigroup Careers
Compensation Manager
0.16%
(1)
Citigroup Careers
Institutional Client Group
0.16%
(1)
Citigroup Careers
Analyst / Registered Rep
0.16%
(1)
Citigroup Careers
Sr Business Banker
0.16%
(1)
Citigroup Careers
IT Auditor
0.16%
(1)
Citigroup Careers
SVP, Commercial Markets
0.16%
(1)
Citigroup Careers
Quality Control
0.16%
(1)
Citigroup Careers
Attorney
0.16%
(1)
Citigroup Careers
Investor Relations
0.16%
(1)
Citigroup Careers
Long Term Disability
0.16%
(1)
Citigroup Careers
Commodities Analyst
0.16%
(1)
Citigroup Careers
3rd Party Global Loan Closer
0.16%
(1)
Citigroup Careers
Stock Associate
0.16%
(1)
Citigroup Careers
Private Wealth Management
0.16%
(1)
Citigroup Careers
a few
0.16%
(1)
Citigroup Careers
Venture Capitalist
0.16%
(1)
Citigroup Careers
stageur
0.16%
(1)
Citigroup Careers
Project
0.16%
(1)
Citigroup Careers
未來總裁
0.16%
(1)
Citigroup Careers
Insurance Officer
0.16%
(1)
Citigroup Careers
Sales
0.16%
(1)
Citigroup Careers
Chief Compliance Officer
0.16%
(1)
Citigroup Careers
Computer Technician
0.16%
(1)
Citigroup Careers
Debt Collector
0.16%
(1)
Citigroup Careers
Legal & Compliance
0.16%
(1)
Citigroup Careers
Program Trader
0.16%
(1)
Citigroup Careers
Transaction Representative
0.16%
(1)
Citigroup Careers
Inbound Collector
0.16%
(1)
Citigroup Careers
信用卡業務專員
0.16%
(1)
Citigroup Careers
信用卡業務人員
0.16%
(1)
Citigroup Careers
Base Metals Trader
0.16%
(1)
Citigroup Careers
Shareholder
0.16%
(1)
Citigroup Careers
Fixed Income Product Control
0.16%
(1)
Citigroup Careers
Server / Storage Virtualization Specialist
0.16%
(1)
Citigroup Careers
AVP/Branch Manager
0.16%
(1)
Citigroup Careers
Debt Capital Markets Analyst
0.16%
(1)
Citigroup Careers
SVP, Client Engagement
0.16%
(1)
Citigroup Careers
Executive Assistant / Associate
0.16%
(1)
Citigroup Careers
Research & Marketing
0.16%
(1)
Citigroup Careers
International Government Affairs
0.16%
(1)
Citigroup Careers
Strategy and Planning Lead
0.16%
(1)
Citigroup Careers
Collections
0.16%
(1)
Citigroup Careers
Citiphone Officer
0.16%
(1)
Citigroup Careers
Unit Manager
0.16%
(1)
Citigroup Careers
Officer
0.16%
(1)
Citigroup Careers
Training Specialist
0.16%
(1)
Citigroup Careers
People left these companies to work at Citigroup
Citi
1.95%
(24)
0.98%
(12)
0.98%
(12)
0.9%
(11)
0.81%
(10)
0.81%
(10)
Tata Consultancy Services
0.73%
(9)
TCS e-Serve Ltd
0.57%
(7)
0.49%
(6)
0.49%
(6)
United States Army
0.41%
(5)
0.41%
(5)
0.41%
(5)
0.41%
(5)
0.41%
(5)
0.41%
(5)
Bear Stearns
0.41%
(5)
Citibank US
0.41%
(5)
Deloitte
0.41%
(5)
0.41%
(5)
American Express
0.33%
(4)
花旗銀行
0.33%
(4)
Booz Allen Hamilton
0.33%
(4)
Citigroup, Inc.
0.33%
(4)
Deloitte Consulting
0.33%
(4)
TCS eServe
0.33%
(4)
Citi Group
0.33%
(4)
TCS E-serve Limited
0.24%
(3)
PricewaterhouseCoopers
0.24%
(3)
0.24%
(3)
McKinsey & Company
0.24%
(3)
Smith Barney
0.24%
(3)
0.24%
(3)
0.24%
(3)
Accenture
0.24%
(3)
Drexel Burnham Lambert
0.24%
(3)
Deutsche Bank Group
0.24%
(3)
Peace Corps
0.24%
(3)
United States Coast Guard
0.24%
(3)
0.24%
(3)
Wipro
0.24%
(3)
Legg Mason
0.24%
(3)
The Royal Bank of Scotland
0.24%
(3)
Standard & Poor's
0.24%
(3)
Rutgers University
0.24%
(3)
AIESEC
0.24%
(3)
United States Marine Corps
0.16%
(2)
HCL Technologies
0.16%
(2)
JP Morgan Chase
0.16%
(2)
Bank of America Merrill Lynch
0.16%
(2)
Waddell & Reed
0.16%
(2)
Hewlett-Packard
0.16%
(2)
LexisNexis
0.16%
(2)
0.16%
(2)
U.S. Navy
0.16%
(2)
The White House
0.16%
(2)
Citibank Singapore
0.16%
(2)
0.16%
(2)
Arthur Andersen
0.16%
(2)
J.P. Morgan & Co.
0.16%
(2)
Nomura
0.16%
(2)
CIMB Malaysia
0.16%
(2)
Primerica
0.16%
(2)
Citibank N.A.
0.16%
(2)
0.16%
(2)
Humana
0.16%
(2)
0.16%
(2)
United Nations
0.16%
(2)
0.16%
(2)
Infosys
0.16%
(2)
Unilever
0.16%
(2)
Sykes Enterprises
0.16%
(2)
Hong Kong Monetary Authority
0.16%
(2)
Salomon Brothers
0.16%
(2)
Wachovia
0.16%
(2)
Broadridge Financial Solutions
0.16%
(2)
Barclays
0.16%
(2)
Nomura Securities
0.16%
(2)
United States Air Force
0.16%
(2)
US Peace Corps
0.16%
(2)
Bank of America (Asia)
0.16%
(2)
0.16%
(2)
0.16%
(2)
0.16%
(2)
Société Générale
0.16%
(2)
Johnson & Johnson
0.16%
(2)
AIG
0.16%
(2)
Republic of China Marine Corps
0.16%
(2)
花旗(台灣)商業銀行
0.16%
(2)
First Derivatives
0.16%
(2)
Self-Employed
0.16%
(2)
0.16%
(2)
Southwest Airlines
0.16%
(2)
0.16%
(2)
Council on Foreign Relations
0.16%
(2)
Town Sports International
0.16%
(2)
Grupo Financiero Banamex
0.16%
(2)
Carnegie Mellon University
0.16%
(2)
0.16%
(2)
Headstrong
0.16%
(2)
People left Citigroup to work at these companies
Citi
2.33%
(33)
1.69%
(24)
0.92%
(13)
0.85%
(12)
0.78%
(11)
Tata Consultancy Services
0.71%
(10)
0.71%
(10)
Citibank US
0.71%
(10)
0.63%
(9)
0.63%
(9)
0.42%
(6)
American Express
0.35%
(5)
Time Warner Cable
0.35%
(5)
0.35%
(5)
Deutsche Bank Group
0.35%
(5)
TCS eServe
0.35%
(5)
Standard Chartered Bank
0.35%
(5)
United States Army
0.35%
(5)
0.35%
(5)
0.35%
(5)
Bank of America Merrill Lynch
0.35%
(5)
0.35%
(5)
JP Morgan Chase Bank
0.35%
(5)
TCS e-Serve Ltd
0.35%
(5)
0.28%
(4)
0.28%
(4)
0.28%
(4)
0.21%
(3)
0.21%
(3)
0.21%
(3)
Citibank N.A.
0.21%
(3)
0.21%
(3)
0.21%
(3)
0.21%
(3)
ABN AMRO
0.21%
(3)
0.21%
(3)
PricewaterhouseCoopers
0.21%
(3)
Deloitte
0.21%
(3)
0.21%
(3)
0.21%
(3)
0.21%
(3)
First Data
0.21%
(3)
Self-Employed
0.21%
(3)
Citibank Singapore
0.21%
(3)
J.P. Morgan & Co.
0.21%
(3)
McKinsey & Company
0.14%
(2)
Cognizant Technology Solutions
0.14%
(2)
TCS E-serve Limited
0.14%
(2)
Humana
0.14%
(2)
Barclays
0.14%
(2)
Thomson Reuters
0.14%
(2)
Pfizer
0.14%
(2)
Knight Capital Group
0.14%
(2)
United States Air Force
0.14%
(2)
Citifinancial
0.14%
(2)
First New York Securities
0.14%
(2)
Ares Management
0.14%
(2)
0.14%
(2)
The Royal Bank of Scotland
0.14%
(2)
U.S. Army
0.14%
(2)
Telefonica
0.14%
(2)
MBNA Corporation
0.14%
(2)
Accenture
0.14%
(2)
Unilever
0.14%
(2)
0.14%
(2)
Morgan Stanley Wealth Management
0.14%
(2)
Oaktree Capital Management
0.14%
(2)
Citigroup Private Bank
0.14%
(2)
MasterCard
0.14%
(2)
DBS Bank. Living, Breathing Asia
0.14%
(2)
Bloomberg LP
0.14%
(2)
Dubai Islamic Bank Pakistan Limited
0.14%
(2)
OppenheimerFunds
0.14%
(2)
Australia and New Zealand Banking Group
0.14%
(2)
Oracle Financial Services
0.14%
(2)
Essex Lake Group
0.14%
(2)
ING Investment Management
0.14%
(2)
Citibank, N.A.
0.14%
(2)
Self Employed (Business)
0.14%
(2)
0.14%
(2)
Dr Pepper Snapple Group
0.14%
(2)
Taishin International Bank
0.14%
(2)
Columbia University
0.14%
(2)
0.14%
(2)
CitiMortgage
0.14%
(2)
Delta
0.14%
(2)
IFC - International Finance Corporation
0.14%
(2)
Healthfirst
0.14%
(2)
American International Group
0.14%
(2)
Citibank India
0.14%
(2)
Merrill Lynch & Co.
0.14%
(2)
Country Kitchen
0.07%
(1)
Malini Kishore Sanghvi College of Commerce and Economics
0.07%
(1)
Artistivity
0.07%
(1)
John Hancock Investments
0.07%
(1)
Eastern Bank
0.07%
(1)
Retired
0.07%
(1)
Families United for Economic Empowerment
0.07%
(1)
C-Well INC
0.07%
(1)
General Motors
0.07%
(1)
Top locations where employees live and work at Citigroup
New York
21.47%
(123)
London
3.49%
(20)
Tampa
3.14%
(18)
Taipei
2.44%
(14)
Dallas
2.44%
(14)
Brooklyn
2.27%
(13)
Mumbai
2.09%
(12)
Singapore
1.92%
(11)
Jersey City
1.75%
(10)
Penang
1.57%
(9)
Bronx
1.22%
(7)
Los Angeles
1.22%
(7)
Jacksonville
1.22%
(7)
Hoboken
1.05%
(6)
Chicago
1.05%
(6)
Irving
0.87%
(5)
Queens
0.87%
(5)
Hong Kong
0.87%
(5)
Pune
0.87%
(5)
Buffalo
0.87%
(5)
Bangalore
0.7%
(4)
Staten Island
0.7%
(4)
Atlanta
0.7%
(4)
Cincinnati
0.7%
(4)
Seoul
0.7%
(4)
Baltimore
0.52%
(3)
São Paulo
0.52%
(3)
Duncanville
0.52%
(3)
Cairo
0.52%
(3)
St. Louis
0.52%
(3)
Astoria
0.52%
(3)
Charlotte
0.52%
(3)
Mexico City
0.52%
(3)
Kuala Lumpur
0.52%
(3)
Columbus
0.52%
(3)
San Francisco
0.52%
(3)
Miami
0.52%
(3)
Lewisville
0.52%
(3)
Nassau County
0.35%
(2)
Santiago
0.35%
(2)
Fort Worth
0.35%
(2)
Toronto
0.35%
(2)
San Juan
0.35%
(2)
Parañaque
0.35%
(2)
DeSoto
0.35%
(2)
Des Moines
0.35%
(2)
Boston
0.35%
(2)
Arlington
0.35%
(2)
Chesterfield
0.35%
(2)
Greensboro
0.35%
(2)
Jackson
0.35%
(2)
Westchester
0.35%
(2)
Phoenix
0.35%
(2)
Greenwich
0.35%
(2)
New Haven
0.35%
(2)
Frederick
0.35%
(2)
Dayton
0.35%
(2)
Yonkers
0.35%
(2)
Fort Lauderdale
0.35%
(2)
Houston
0.35%
(2)
Edison
0.35%
(2)
Plano
0.35%
(2)
Wilmington
0.35%
(2)
Makati
0.35%
(2)
San José
0.35%
(2)
Dubai
0.35%
(2)
Binãn
0.17%
(1)
Kartal
0.17%
(1)
Istanbul
0.17%
(1)
Palisades Park
0.17%
(1)
Karachi
0.17%
(1)
Rising Sun
0.17%
(1)
Philadelphia
0.17%
(1)
Helsinki
0.17%
(1)
Kansas City
0.17%
(1)
Sofia
0.17%
(1)
Jufair
0.17%
(1)
Boise
0.17%
(1)
Larchmont
0.17%
(1)
Woodbridge
0.17%
(1)
New Milford
0.17%
(1)
Englewood
0.17%
(1)
Tonawanda
0.17%
(1)
Basking Ridge
0.17%
(1)
Shangxian
0.17%
(1)
North Bellmore
0.17%
(1)
Johns Creek
0.17%
(1)
Charlottesville
0.17%
(1)
San Antonio
0.17%
(1)
Tunis
0.17%
(1)
East Brunswick
0.17%
(1)
Massapequa
0.17%
(1)
Rehoboth Beach
0.17%
(1)
Warsaw
0.17%
(1)
Red Bank
0.17%
(1)
Łódź
0.17%
(1)
Harrison
0.17%
(1)
La Jolla
0.17%
(1)
Minato-ku
0.17%
(1)
Tucson
0.17%
(1)
Top universities & colleges where Citigroup employees studied
University of Pennsylvania
1.18%
(42)
Columbia University
0.93%
(33)
NYU
0.85%
(30)
Cornell University
0.56%
(20)
Stony Brook University
0.54%
(19)
Baruch College
0.51%
(18)
University of Michigan
0.48%
(17)
Georgetown University
0.45%
(16)
Harvard University
0.42%
(15)
Rutgers University
0.42%
(15)
University of Mumbai
0.39%
(14)
University at Buffalo
0.37%
(13)
Pace University
0.37%
(13)
University of Phoenix
0.37%
(13)
Fordham University
0.34%
(12)