Goldman Sachs is now following other large banks like Citigroup and Morgan Stanley to transition into an organization more compatible with the current financial environment.

Even during the transition, Goldman Sachs produced a 11.1 percent return on shareholder's equity in the first quarter providing itself with a firm foundation to carry out its planned changes.

A consumer bank and a credit card initiative with Apple, will take time in becoming full contributors to the 'new" bank, but Goldman Sachs certainly has the resources and talent.

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