CITIZENS FINANCIAL GROUP INC/RI

For the period ended Sep 30, 2026. Filed Oct 28, 2026.

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, 2026 · Filed Oct 28, 2026

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)	2026	2025	2026	2025
INTEREST INCOME:
Interest and fees on loans and leases	$2,034	$1,897	$5,886	$5,577
Interest and fees on loans held for sale	22	31	69	83
Investment securities(1)	462	433	1,332	1,279
Interest-bearing deposits in banks	103	97	297	278
Total interest income	2,621	2,458	7,584	7,217
INTEREST EXPENSE:
Deposits	767	816	2,229	2,413
Short-term borrowed funds	12	5	25	22
Long-term borrowed funds	167	149	462	466
Total interest expense	946	970	2,716	2,901
Net interest income	1,675	1,488	4,868	4,316
Provision (benefit) for credit losses	125	154	399	471
Net interest income after provision (benefit) for credit losses	1,550	1,334	4,469	3,845
NONINTEREST INCOME:
Service charges and fees	120	112	349	332
Capital markets fees	149	166	436	371
Wealth fees	109	93	311	262
Card fees	90	87	262	260
Mortgage banking fees	35	49	119	181
Foreign exchange and derivative products	49	42	140	122
Letter of credit and loan fees	54	48	156	137
Securities gains, net	11	2	24	14
Other income	30	31	108	95
Total noninterest income	647	630	1,905	1,774
NONINTEREST EXPENSE:
Salaries and employee benefits	750	705	2,253	2,082
Equipment and software	202	197	594	584
Outside services	174	161	510	485
Occupancy	107	106	329	326
Other operating expense	160	166	479	491
Total noninterest expense	1,393	1,335	4,165	3,968
Income before income tax expense	804	629	2,209	1,651
Income tax expense	168	135	469	348
NET INCOME	$636	$494	$1,740	$1,303
Net income available to common stockholders	$599	$457	$1,637	$1,199
Weighted-average common shares outstanding:
Basic	421,148,362	431,365,552	423,105,960	434,416,696
Diluted	425,662,538	435,472,350	427,338,300	437,915,596
Per common share information:
Basic earnings	$1.42	$1.06	$3.87	$2.76
Diluted earnings	1.41	1.05	3.83	2.74

(1) Comprised primarily of taxable interest income for all periods presented.

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.