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CITIZENS FINANCIAL GROUP INC/RI

For the period ended Dec 31, 2025. Filed Feb 12, 2026.

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About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 12, 2026

CFG$64.82-0.4%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Item 8. Financial Statements and Supplementary Data

Page
Report of Management on Internal Control Over Financial Reporting80
Report of Independent Registered Public Accounting Firm on the Consolidated Financial Statements (PCAOB ID No. 34)81
Report of Independent Registered Public Accounting Firm on Internal Control Over Financial Reporting84
Consolidated Balance Sheets85
Consolidated Statements of Operations86
Consolidated Statements of Comprehensive Income87
Consolidated Statements of Changes in Stockholders’ Equity88
Consolidated Statements of Cash Flows89
Notes to Consolidated Financial Statements90
Note 1 - Significant Accounting Policies90
Note 2 - Securities91
Note 3 - Loans and Leases95
Note 4 - Credit Quality and the Allowance for Credit Losses97
Note 5 - Premises, Equipment and Software111
Note 6 - Mortgage Banking and Other Serviced Loans112
Note 7 - Leases114
Note 8 - Goodwill and Intangible Assets115
Note 9 - Variable Interest Entities117
Note 10 - Deposits120
Note 11 - Borrowed Funds121
Note 12 - Derivatives123
Note 13 - Employee Benefit Plans126
Note 14 - Accumulated Other Comprehensive Income (Loss)128
Note 15 - Stockholders’ Equity129
Note 16 - Share-Based Compensation131
Note 17 - Commitments and Contingencies132
Note 18 - Fair Value Measurements134
Note 19 - Noninterest Income140
Note 20 - Other Operating Expense143
Note 21 - Income Taxes143
Note 22 - Earnings Per Share146
Note 23 - Regulatory Matters146
Note 24 - Business Segments148
Note 25 - Parent Company Financials151

Citizens Financial Group, Inc. | 79

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.