Citigroup Inc (C.N) beat analysts’ estimates for quarterly revenue and profit on Tuesday, as growth in its consumer banking business tempered weakness in trading....Consumer business was padded by more U.S. credit card customers beginning to pay interest as promotional periods wore off. North America branded card revenue jumped 11% in the third quarter. Expenses in the consumer business fell 2%.....Citi also reached a key efficiency target. The third-largest U.S. bank by assets hit a return on tangible common equity (ROTCE) of 12.2%, above the goal of 12% it has promised investors for the year.