{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-23-003663","form_type":"8-K","ticker":"C","cik":"0000831001","company_name":"CITIGROUP INC","filed_at":"2023-01-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.212369+00:00","generated_at":"2026-06-20T15:43:45.009457+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Citigroup Q4 net income falls 21% to $2.5B, EPS $1.16, revenue up 6%","bullets":["Net income $2.5B, diluted EPS $1.16, down from $3.2B ($1.46) YoY; revenue $18.0B up 6%.","Services revenues up 32% to $4.3B; Fixed Income up 31% to $3.2B; Investment Banking down 58% to $645M.","PBWM net income plunged 93% to $114M on $1.7B cost of credit, elevated ACL build, and higher expenses.","CET1 ratio 13.0% (up 80 bps YoY); tangible book value per share $81.65 (up 3% YoY).","Returned $1.0B in dividends to common shareholders in Q4 (payout ratio 44%)."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-23-003663","json":"https://secwatch.observer/filing/0001104659-23-003663.json","markdown":"https://secwatch.observer/filing/0001104659-23-003663.md","text":"https://secwatch.observer/filing/0001104659-23-003663.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/831001/000110465923003663/0001104659-23-003663-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/831001/000110465923003663/c-20221014x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T15:43:45.009457+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"c7080b3e5935bfd943e1caea22218355f2541b04","claim":"CITIGROUP INC reported the quarter and year ended December 31, 2022 results: revenue $18.0 billion, net income $2.5 billion, EPS $1.16 per diluted share.","evidence_excerpt":"Citigroup Inc. today reported net income for the fourth quarter 2022 of $2.5 billion, or $1.16 per diluted share, on revenues of $18.0 billion.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/831001/000110465923003663/0001104659-23-003663-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and year ended December 31, 2022"},{"label":"Revenue","value":"$18.0 billion"},{"label":"Net income","value":"$2.5 billion"},{"label":"EPS","value":"$1.16 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}