CITIZENS FINANCIAL GROUP INC/RI
For the period ended Dec 31, 2025. Filed Feb 12, 2026.
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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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Item 8. Financial Statements and Supplementary Data
| Page | |
|---|---|
| Report of Management on Internal Control Over Financial Reporting | 80 |
| 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 Reporting | 84 |
| Consolidated Balance Sheets | 85 |
| Consolidated Statements of Operations | 86 |
| Consolidated Statements of Comprehensive Income | 87 |
| Consolidated Statements of Changes in Stockholders’ Equity | 88 |
| Consolidated Statements of Cash Flows | 89 |
| Notes to Consolidated Financial Statements | 90 |
| Note 1 - Significant Accounting Policies | 90 |
| Note 2 - Securities | 91 |
| Note 3 - Loans and Leases | 95 |
| Note 4 - Credit Quality and the Allowance for Credit Losses | 97 |
| Note 5 - Premises, Equipment and Software | 111 |
| Note 6 - Mortgage Banking and Other Serviced Loans | 112 |
| Note 7 - Leases | 114 |
| Note 8 - Goodwill and Intangible Assets | 115 |
| Note 9 - Variable Interest Entities | 117 |
| Note 10 - Deposits | 120 |
| Note 11 - Borrowed Funds | 121 |
| Note 12 - Derivatives | 123 |
| Note 13 - Employee Benefit Plans | 126 |
| Note 14 - Accumulated Other Comprehensive Income (Loss) | 128 |
| Note 15 - Stockholders’ Equity | 129 |
| Note 16 - Share-Based Compensation | 131 |
| Note 17 - Commitments and Contingencies | 132 |
| Note 18 - Fair Value Measurements | 134 |
| Note 19 - Noninterest Income | 140 |
| Note 20 - Other Operating Expense | 143 |
| Note 21 - Income Taxes | 143 |
| Note 22 - Earnings Per Share | 146 |
| Note 23 - Regulatory Matters | 146 |
| Note 24 - Business Segments | 148 |
| Note 25 - Parent Company Financials | 151 |
Citizens Financial Group, Inc. | 79
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