Citi reported $23.8 billion of revenue, $5.2 billion of net income, $2.85 EPS and 11.5% RoTCE. JPMorgan posted $50.2 billion of revenue, $15.3 billion of net income and $5.57 EPS; average loans rose 10% year over year, but credit costs reached $2.7 billion. Goldman generated $18.68 billion of revenue, $5.29 billion of net income, $17.01 EPS and 18.7% annualized ROE. These are distinct earnings engines, not one interchangeable “strong banks” story. Citi · JPMorgan · Goldman Sachs