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Goldman Sachs is a leading global investment banking, securities and investment
management firm that provides a wide range of financial services to a
substantial and diversified client base that includes corporations, financial
institutions, governments and individuals.
When we use the terms "Goldman Sachs," "the firm," "we," "us" and "our," we mean
The Goldman Sachs Group, Inc. (Group Inc. or parent company), a Delaware
corporation, and its consolidated subsidiaries.
References to "this Form 10-K" are to our Annual Report on Form 10-K for the
year ended December 31, 2018. All references to 2018, 2017 and 2016 refer to our
years ended, or the dates, as the context requires, December 31, 2018,
December 31, 2017 and December 31, 2016, respectively.
Group Inc. is a bank holding company (BHC) and a financial holding company (FHC)
regulated by the Board of Governors of the Federal Reserve System (FRB). Our
U.S.
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