In an aggressive move targeting the root cause of the global financial crisis, Citigroup Inc. plans to announce Tuesday that it is offering to modify the terms of as much as $20 billion in mortgages for borrowers who are current on their loan payments but at risk of falling behind.

The push by the New York company's CitiMortgage unit marks the latest effort by a financial institution to help ailing homeowners, which also can help lenders reduce loan losses. Citigroup's program includes subprime borrowers and those with good credit who took out prime loans, a sign the bank sees mortgage delinquencies and foreclosures are spreading.

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