CITIZENS FINANCIAL GROUP INC/RI
For the period ended Dec 31, 2025. Filed Feb 12, 2026.
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FY2025 · Filed Feb 12, 2026
CFG$65.10+2.9%Stored close · as of Nov 9, 2026
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Consolidated Statements of Operations
| Year Ended December 31, | |||
|---|---|---|---|
| (dollars in millions, except per share data) | 2025 | 2024 | 2023 |
| INTEREST INCOME: | |||
| Interest and fees on loans and leases | $7,478 | $7,948 | $8,489 |
| Interest and fees on loans held for sale | 105 | 77 | 102 |
| Investment securities | 1,713 | 1,658 | 1,162 |
| Interest-bearing deposits in banks | 367 | 503 | 451 |
| Total interest income | 9,663 | 10,186 | 10,204 |
| INTEREST EXPENSE: | |||
| Deposits | 3,194 | 3,825 | 3,145 |
| Short-term borrowed funds | 22 | 15 | 43 |
| Long-term borrowed funds | 594 | 713 | 775 |
| Total interest expense | 3,810 | 4,553 | 3,963 |
| Net interest income | 5,853 | 5,633 | 6,241 |
| Provision (benefit) for credit losses | 608 | 687 | 687 |
| Net interest income after provision (benefit) for credit losses | 5,245 | 4,946 | 5,554 |
| NONINTEREST INCOME: | |||
| Service charges and fees | 444 | 420 | 410 |
| Capital markets fees | 511 | 467 | 319 |
| Wealth fees | 360 | 294 | 259 |
| Card fees | 346 | 368 | 296 |
| Mortgage banking fees | 233 | 209 | 242 |
| Foreign exchange and derivative products | 156 | 146 | 183 |
| Letter of credit and loan fees | 186 | 175 | 168 |
| Securities gains, net | 22 | 18 | 28 |
| Other income | 136 | 79 | 78 |
| Total noninterest income | 2,394 | 2,176 | 1,983 |
| NONINTEREST EXPENSE: | |||
| Salaries and employee benefits | 2,798 | 2,657 | 2,599 |
| Equipment and software | 783 | 769 | 756 |
| Outside services | 633 | 639 | 687 |
| Occupancy | 435 | 447 | 492 |
| Other operating expense | 662 | 722 | 973 |
| Total noninterest expense | 5,311 | 5,234 | 5,507 |
| Income before income tax expense | 2,328 | 1,888 | 2,030 |
| Income tax expense | 497 | 379 | 422 |
| NET INCOME | $1,831 | $1,509 | $1,608 |
| Net income available to common stockholders | $1,688 | $1,372 | $1,491 |
| Weighted-average common shares outstanding: | |||
| Basic | 433,173,162 | 450,678,038 | 475,089,384 |
| Diluted | 436,890,731 | 453,510,245 | 476,693,148 |
| Per common share information: | |||
| Basic earnings | $3.90 | $3.05 | $3.14 |
| Diluted earnings | 3.86 | 3.03 | 3.13 |
Citizens Financial Group, Inc. | 86
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