Financial insights of CFG-PH

MyFinsight

Income Statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30
Interest and fees on loans and leases	1,968	1,884	1,901	1,897
Interest and fees on loans held for sale	26	21	22	31
Investment securities	446	424	434	433
Interest-bearing deposits in banks	103	91	89	97
Total interest income	2,543	2,420	2,446	2,458
Deposits	747	715	781	816
Short-term borrowed funds	9	4	0	5
Long-term borrowed funds	156	139	128	149
Total interest expense	912	858	909	970
Net interest income	1,631	1,562	1,537	1,488
Provision (benefit) for credit losses	134	140	137	154
Net interest income after provision (benefit) for credit losses	1,497	1,422	1,400	1,334
Service charges and fees	117	112	112	112
Capital markets fees	153	134	140	166
Wealth fees	102	100	98	93
Card fees	89	83	86	87
Mortgage banking fees	42	42	52	49
Foreign exchange and derivative products	47	44	34	42
Letter of credit and loan fees	52	50	49	48
Securities gains, net	6	7	8	2
Other income	44	34	41	31
Total noninterest income	652	606	620	630
Salaries and employee benefits	745	758	716	705
Equipment and software	195	197	199	197
Outside services	174	162	148	161
Occupancy	108	114	109	106
Other operating expense	172	147	171	166
Total noninterest expense	1,394	1,378	1,343	1,335
Income before income tax expense	755	650	677	629
Income tax expense	168	133	149	135
Net income	587	517	528	494

Basic EPS	1.31	1.14	1.23	1.06
Diluted EPS	1.3	1.13	1.218	1.05
Basic Average Shares	422,871,137	425,344,491	429,366,129	431,365,552
Diluted Average Shares	426,681,848	429,894,837	433,350,620	435,472,350

Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.