---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-23-108987"
form_type: "8-K"
ticker: "C"
cik: "0000831001"
company_name: "CITIGROUP INC"
filed_at: "2023-10-13T23:59:59+00:00"
generated_at: "2026-06-10T00:25:06.874709+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Citigroup Q3 net income $3.5B, EPS $1.63, revenue up 9% to $20.1B

## Summary
- Net income $3.5B (flat YoY), diluted EPS $1.63; revenue $20.1B (+9% YoY).
- ICG revenue +12% to $10.6B; Services +13%, Markets +10%, Banking +17%.
- PBWM revenue +10% to $6.8B; net credit losses surged 89% to $1.37B on card normalization.
- CET1 ratio 13.5% ($14B above minimum); returned $1.5B via dividends and buybacks.
- Book value per share $99.28 (+7% YoY); tangible book value $86.90 (+8% YoY).

## SEC filing metadata
- accession: 0001104659-23-108987
- form_type: 8-K
- ticker: C
- cik: 0000831001
- company_name: CITIGROUP INC
- filed_at: 2023-10-13T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/831001/000110465923108987/0001104659-23-108987-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/831001/000110465923108987/c-20230714x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-23-108987
- JSON: https://secwatch.observer/filing/0001104659-23-108987.json
- Plain text: https://secwatch.observer/filing/0001104659-23-108987.txt

## Key facts
- Earnings Releases
  CITIGROUP INC reported financial results for the quarter ended September 30, 2023.
  - Period: the quarter ended September 30, 2023
  - Result: reported results
  source text: On October 13, 2023, Citigroup Inc. announced its results for the quarter ended September 30, 2023. A copy of the related press release, filed as Exhibit 99.1 to this Form 8-K, is incorporated herein by reference in its entirety
  evidence_url: https://www.sec.gov/Archives/edgar/data/831001/000110465923108987/0001104659-23-108987-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.