secwatch.observer — SEC 8-K summary
======================================

Issuer:     CITIGROUP INC (C)
CIK:        0000831001
Form:       8-K
Filed at:   2025-07-15T23:59:59+00:00
Accession:  0001410578-25-001455
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Citi Q2 2025 net income $4.0B, EPS $1.96, revenue +8% YoY
---------------------------------------------------------

- Net income $4.0B ($1.96 EPS) vs $3.2B ($1.52 EPS) in Q2 2024; revenue $21.7B +8%.
- Services revenue +8% to $5.1B; Markets best Q2 since 2020; Banking +18%; Wealth +20%.
- Returned ~$3.1B to shareholders including $2B buybacks; CET1 ratio 13.5%.
- Operating expenses +2% to $13.6B; cost of credit +16% to $2.9B; non-accrual loans +49%.
- Book value per share $106.94, TBV $94.16; RoTCE 8.7% up 150bps YoY.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/831001/000141057825001455/0001410578-25-001455-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/831001/000141057825001455/c-20250715x8k.htm
  HTML page:      https://secwatch.observer/filing/0001410578-25-001455

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer