CITIZENS FINANCIAL GROUP INC/RI

For the period ended Sep 30, 2025. Filed Nov 3, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 3, 2025

CFG$65.10+2.9%Stored close · as of Nov 9, 2026

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Contents

Consolidated Statements of Operations

CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)

	Three Months Ended September 30,		Nine Months Ended September 30,
(dollars in millions, except per share data)	2025	2024	2025	2024
INTEREST INCOME:
Interest and fees on loans and leases	$1,897	$1,976	$5,577	$6,038
Interest and fees on loans held for sale	31	19	83	56
Investment securities	433	423	1,279	1,239
Interest-bearing deposits in banks	97	121	278	391
Total interest income	2,458	2,539	7,217	7,724
INTEREST EXPENSE:
Deposits	816	990	2,413	2,942
Short-term borrowed funds	5	3	22	14
Long-term borrowed funds	149	177	466	547
Total interest expense	970	1,170	2,901	3,503
Net interest income	1,488	1,369	4,316	4,221
Provision (benefit) for credit losses	154	172	471	525
Net interest income after provision (benefit) for credit losses	1,334	1,197	3,845	3,696
NONINTEREST INCOME:
Service charges and fees	112	109	332	311
Capital markets fees	166	94	371	346
Card fees	87	93	260	271
Wealth fees	93	76	262	219
Mortgage banking fees	49	46	181	149
Foreign exchange and derivative products	42	36	122	111
Letter of credit and loan fees	48	45	137	130
Securities gains, net	2	9	14	14
Other income	31	24	95	51
Total noninterest income	630	532	1,774	1,602
NONINTEREST EXPENSE:
Salaries and employee benefits	705	647	2,082	1,983
Equipment and software	197	194	584	576
Outside services	161	146	485	469
Occupancy	106	108	326	335
Other operating expense	166	164	491	555
Total noninterest expense	1,335	1,259	3,968	3,918
Income before income tax expense	629	470	1,651	1,380
Income tax expense	135	88	348	272
NET INCOME	$494	$382	$1,303	$1,108
Net income available to common stockholders	$457	$344	$1,199	$1,005
Weighted-average common shares outstanding:
Basic	431,365,552	446,561,996	434,416,696	453,993,833
Diluted	435,472,350	449,913,467	437,915,596	456,461,330
Per common share information:
Basic earnings	$1.06	$0.77	$2.76	$2.21
Diluted earnings	1.05	0.77	2.74	2.20

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.