CITIZENS FINANCIAL GROUP INC/RI
For the period ended Sep 30, 2026. Filed Oct 28, 2026.
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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, 2026 · Filed Oct 28, 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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Consolidated Statements of Cash Flows
CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)
| Nine Months Ended September 30, | ||
|---|---|---|
| (dollars in millions) | 2026 | 2025 |
| OPERATING ACTIVITIES | ||
| Net income | $1,740 | $1,303 |
| Adjustments to reconcile net income to net change due to operating activities: | ||
| Provision (benefit) for credit losses | 399 | 471 |
| Net change in Loans held for sale | 335 | (81) |
| Depreciation, amortization, and accretion | 315 | 366 |
| Deferred income tax expense (benefit) | (40) | (93) |
| Share-based compensation | 110 | 97 |
| Net gain on sale of assets | (24) | (16) |
| Net (increase) decrease in Other assets | (1,193) | 357 |
| Net increase (decrease) in Other liabilities | (226) | (35) |
| Net change due to operating activities | 1,416 | 2,369 |
| INVESTING ACTIVITIES | ||
| Investment securities: | ||
| Purchases of debt securities available for sale | (8,774) | (5,545) |
| Proceeds from maturities and paydowns of debt securities available for sale | 3,499 | 2,770 |
| Proceeds from sales of debt securities available for sale | 2,225 | 1,218 |
| Proceeds from maturities and paydowns of debt securities held to maturity | 551 | 537 |
| Net (increase) decrease in Interest-bearing deposits in banks | 369 | (59) |
| Purchases of loans | (139) | (642) |
| Sales of loans | 566 | 1,428 |
| Net (increase) decrease in Loans and leases | (6,394) | (3,475) |
| Capital expenditures | (73) | (82) |
| Other | (471) | (183) |
| Net change due to investing activities | (8,641) | (4,033) |
| FINANCING ACTIVITIES | ||
| Net increase (decrease) in Deposits | 1,915 | 5,235 |
| Net increase (decrease) in Short-term borrowed funds | 761 | 214 |
| Proceeds from issuance of long-term borrowed funds | 17,746 | 6,534 |
| Repayments of long-term borrowed funds | (11,965) | (8,520) |
| Treasury stock purchased | (650) | (475) |
| Net proceeds from issuance of preferred stock | 395 | 393 |
| Dividends paid to common stockholders | (593) | (555) |
| Dividends paid to preferred stockholders | (105) | (100) |
| Other | (40) | (13) |
| Net change due to financing activities | 7,464 | 2,713 |
| Net change in cash and cash equivalents(1) | 239 | 1,049 |
| Cash and cash equivalents at beginning of period(1) | 12,727 | 10,601 |
| Cash and cash equivalents at end of period(1) | $12,966 | $11,650 |
| Non-cash items: | ||
| Transfer of loans from loans held for investment to LHFS | $407 | $1,939 |
| Transfer of securities from AFS to HTM | 833 | — |
| Loans securitized and transferred to AFS securities | 15 | 87 |
(1) Cash and cash equivalents include Cash and due from banks and Interest-bearing cash and due from banks as reflected on the Consolidated Balance Sheets.
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