CITIZENS FINANCIAL GROUP INC/RI

For the period ended Jun 30, 2026. Filed Aug 3, 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.

Jun 30, 2026 · Filed Aug 3, 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 June 30,		Six Months Ended June 30,
(dollars in millions, except per share data)	2026	2025	2026	2025
INTEREST INCOME:
Interest and fees on loans and leases	$1,968	$1,851	$3,852	$3,680
Interest and fees on loans held for sale	26	36	47	52
Investment securities(1)	446	428	870	846
Interest-bearing deposits in banks	103	92	194	181
Total interest income	2,543	2,407	4,963	4,759
INTEREST EXPENSE:
Deposits	747	802	1,462	1,597
Short-term borrowed funds	9	9	13	17
Long-term borrowed funds	156	159	295	317
Total interest expense	912	970	1,770	1,931
Net interest income	1,631	1,437	3,193	2,828
Provision (benefit) for credit losses	134	164	274	317
Net interest income after provision (benefit) for credit losses	1,497	1,273	2,919	2,511
NONINTEREST INCOME:
Service charges and fees	117	111	229	220
Capital markets fees	153	105	287	205
Wealth fees	102	88	202	169
Card fees	89	90	172	173
Mortgage banking fees	42	73	84	132
Foreign exchange and derivative products	47	41	91	80
Letter of credit and loan fees	52	45	102	89
Securities gains, net	6	5	13	12
Other income	44	42	78	64
Total noninterest income	652	600	1,258	1,144
NONINTEREST EXPENSE:
Salaries and employee benefits	745	681	1,503	1,377
Equipment and software	195	193	392	387
Outside services	174	169	336	324
Occupancy	108	108	222	220
Other operating expense	172	168	319	325
Total noninterest expense	1,394	1,319	2,772	2,633
Income before income tax expense	755	554	1,405	1,022
Income tax expense	168	118	301	213
NET INCOME	$587	$436	$1,104	$809
Net income available to common stockholders	$554	$402	$1,038	$742
Weighted-average common shares outstanding:
Basic	422,871,137	433,640,210	424,100,982	435,967,554
Diluted	426,681,848	436,539,774	428,274,078	439,342,703
Per common share information:
Basic earnings	$1.31	$0.93	$2.45	$1.70
Diluted earnings	1.30	0.92	2.42	1.69

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

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.