[8-K] CITIGROUP INC Reports Material Event

Rhea-AI Filing Summary

Citigroup Inc. reported its results for the quarter ended September 30, 2025 and provided related materials. The company filed a press release as Exhibit 99.1, with the quotation under “CEO Commentary” not deemed “filed,” while the remainder of Exhibit 99.1 is deemed “filed.”

Citigroup also furnished a Quarterly Financial Data Supplement as Exhibit 99.2 and listed securities registered under Section 12(b) as of the filing date in Exhibit 99.3.

Insights

Financial Reporting Analyst

Routine earnings 8-K furnishing Q3 results and exhibits; no performance metrics disclosed here, legal framing and exhibit status are the key takeaways.

Citigroup filed an Item 2.02 Form 8-K on October 14, 2025 announcing results for the quarter ended September 30, 2025. The company provided a press release (Exhibit 99.1) and a Quarterly Financial Data Supplement (Exhibit 99.2). This is the standard mechanism to communicate quarterly performance and detailed schedules.

Most of the information in Exhibit 99.1 is deemed “filed,” except the CEO commentary, which is explicitly not “filed” for Section 18 purposes. Exhibit 99.2 is “furnished,” not “filed,” which limits Section 18 liability. Exhibit 99.3 lists securities registered under Section 12(b) as of the filing date, and the Inline XBRL cover (Exhibit 104.1) supports technical compliance.

What matters here is the legal status of the exhibits and the reporting period. Without figures in the body, performance assessment requires Exhibits 99.1 and 99.2. Focus on year-over-year and sequential trends, segment detail, credit costs, and capital ratios disclosed there. Timing-wise, this 8-K anchors the Q3 disclosure cycle on October 14, 2025; any subsequent revisions or restatements would also be reported via 8-K.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

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CURRENT REPORT

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Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

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Date of Report (Date of earliest event reported) October 14, 2025

Citigroup Inc.

(Exact name of registrant as specified in its charter)

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Delaware	1-9924	52-1568099
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)
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388 Greenwich Street, New York, NY (Address of principal executive offices)	​	10013 (Zip Code)

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(212) 559-1000

(Registrant's telephone number,
including area code)

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

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☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

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☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934 formatted in Inline XBRL: See Exhibit 99.3

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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Emerging growth company   ☐

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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CITIGROUP INC.

Current Report on Form 8-K

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Item 2.02 Results of Operations and Financial Condition.

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On October 14, 2025, Citigroup Inc. announced its results for the quarter ended September 30, 2025. A copy of the related press release, filed as Exhibit 99.1 to this Form 8-K, is incorporated herein by reference. The quotation under the heading “CEO Commentary” on page 1 of Exhibit 99.1 shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (Act) or otherwise subject to the liabilities under that Section. The information included in Exhibit 99.1, other than in the quotation, shall be deemed “filed” for purposes of the Act.

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In addition, a copy of the Citigroup Inc. Quarterly Financial Data Supplement for the quarter ended September 30, 2025 is being furnished as Exhibit 99.2 to this Form 8-K and shall not be deemed to be “filed” for purposes of Section 18 of the Act or otherwise subject to the liabilities of that section.

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Item 9.01 Financial Statements and Exhibits.

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(d) Exhibits.

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Exhibit Number		​
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99.1	​	Citigroup Inc. press release dated October 14, 2025.
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99.2	​	Citigroup Inc. Quarterly Financial Data Supplement for the quarter ended September 30, 2025.
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99.3	​	Citigroup Inc. securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934 as of the filing date.
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104.1	​	See the cover page of this Current Report on Form 8-K, formatted in Inline XBRL.

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SIGNATURE

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Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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​	​	CITIGROUP INC.
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Dated: October 14, 2025	​	​
​	By:	/s/ Nicole Giles
​	​	Nicole Giles
​	​	Controller and Chief Accounting Officer
​	​	(Principal Accounting Officer)

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FAQ

What did Citigroup (C) announce in this 8-K?

Citigroup announced its results for the quarter ended September 30, 2025 and provided related exhibits.

Which exhibits accompany Citigroup’s announcement?

Exhibit 99.1 (press release), Exhibit 99.2 (Quarterly Financial Data Supplement), and Exhibit 99.3 (securities registered under Section 12(b)).

Is the CEO commentary part of the filed materials?

The quotation under “CEO Commentary” in Exhibit 99.1 is not deemed “filed”; the rest of Exhibit 99.1 is deemed “filed.”

What period does the update cover for Citigroup (C)?

It covers the quarter ended September 30, 2025.

What is Exhibit 99.2 in Citigroup’s filing?

It is the Citigroup Inc. Quarterly Financial Data Supplement for the quarter ended September 30, 2025.