CITIZENS FINANCIAL GROUP INC/RI

For the period ended Mar 31, 2026. Filed May 4, 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.

Mar 31, 2026 · Filed May 4, 2026

CFG$63.24-0.9%Stored close · as of Nov 6, 2026

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Contents

Consolidated Statements of Operations

CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)

	Three Months Ended March 31,
(dollars in millions, except per share data)	2026	2025
INTEREST INCOME:
Interest and fees on loans and leases	$1,884	$1,829
Interest and fees on loans held for sale	21	16
Investment securities(1)	424	418
Interest-bearing deposits in banks	91	89
Total interest income	2,420	2,352
INTEREST EXPENSE:
Deposits	715	795
Short-term borrowed funds	4	8
Long-term borrowed funds	139	158
Total interest expense	858	961
Net interest income	1,562	1,391
Provision (benefit) for credit losses	140	153
Net interest income after provision (benefit) for credit losses	1,422	1,238
NONINTEREST INCOME:
Service charges and fees	112	109
Capital markets fees	134	100
Wealth fees	100	81
Card fees	83	83
Mortgage banking fees	42	59
Foreign exchange and derivative products	44	39
Letter of credit and loan fees	50	44
Securities gains, net	7	7
Other income	34	22
Total noninterest income	606	544
NONINTEREST EXPENSE:
Salaries and employee benefits	758	696
Equipment and software	197	194
Outside services	162	155
Occupancy	114	112
Other operating expense	147	157
Total noninterest expense	1,378	1,314
Income before income tax expense	650	468
Income tax expense	133	95
NET INCOME	$517	$373
Net income available to common stockholders	$484	$340
Weighted-average common shares outstanding:
Basic	425,344,491	438,320,757
Diluted	429,894,837	442,200,180
Per common share information:
Basic earnings	$1.14	$0.78
Diluted earnings	1.13	0.77

(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.