Financial insights of CFG-PH

MyFinsight

For the year ending 2025-12-31, CFG-PH made $21,782M in revenue. $1,831M in net income. Net profit margin of 8.41%.

Income Overview

Revenue
$21,782M
Net Income
$1,831M
Net Profit Margin
8.41%
EPS
$3.86
Unit: Million (M) dollars
Revenue Breakdown
Interest and fees on loans and l...
Deposits
Salaries and employee benefits
Others

Unit: Million (M) dollars (except for numbers of shares and EPS)

Income Statement	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Interest and fees on loans and leases	7,478	7,948	8,489	5,968
Interest and fees on loans held for sale	105	77	73	67
Interest and fees on other loans held for sale	-	-	29	57
Investment securities	1,713	1,658	1,162	840
Interest-bearing deposits in banks	367	503	451	128
Total interest income	9,663	10,186	10,204	7,060
Deposits	3,194	3,825	3,145	651
Short-term borrowed funds	22	15	43	23
Long-term borrowed funds	594	713	775	374
Total interest expense	3,810	4,553	3,963	1,048
Net interest income	5,853	5,633	6,241	6,012
Provision (benefit) for credit losses	608	687	687	474
Net interest income after provision (benefit) for credit losses	5,245	4,946	5,554	5,538
Service charges and fees	444	420	410	420
Capital markets fees	511	467	319	368
Wealth fees	360	294	-	-
Card fees	346	368	296	273
Trust and investment services fees	-	-	259	249
Mortgage banking fees	233	209	242	261
Foreign exchange and derivative products	156	146	183	188
Letter of credit and loan fees	186	175	168	159
Securities gains, net	22	18	28	9
Other income	136	79	78	82
Total noninterest income	2,394	2,176	1,983	2,009
Salaries and employee benefits	2,798	2,657	2,599	2,549
Equipment and software	783	769	756	648
Outside services	633	639	687	700
Occupancy	435	447	492	410
Other operating expense	662	722	973	585
Total noninterest expense	5,311	5,234	5,507	4,892
Income before income tax expense	2,328	1,888	2,030	2,655
U.s. federal income tax expense	489	396	426	558
State and local income taxes, net of federal income tax effect	82	46	58	133
Tax-exempt interest	-	12	12	8
Low income housing tax-advantaged investments	56	-	-	-
Tax advantaged investments (including related credits)	-	82	77	102
Renewable energy tax-advantaged investments	19	-	-	-
Other	2	2	3	9
Changes in valuation allowances	1	-	-	-
Fdic insurance premiums	32	-	-	-
Adjustments for uncertain tax positions	-	0	5	1
Bank-owned life insurance	24	22	20	19
Non-deductible fdic insurance premiums	-	34	35	20
Other	-3	-	-	-
Legacy tax matters	-	0	0	-3
Changes in unrecognized tax benefits	0	-	-	-
Other	-	21	10	5
Other adjustments	-3	-	-	-
Income tax expense	497	379	422	582
Net income	1,831	1,509	1,608	2,073

Basic (in shares)	433,173,162	450,678,038	475,089,384	475,959,815
Basic earnings (in dollars per share)	3.9	3.05	3.14	4.12
Diluted (in shares)	436,890,731	453,510,245	476,693,148	477,803,142
Diluted earnings (in dollars per share)	3.86	3.03	3.13	4.1

MyFinsight

Income Overview

Revenue
$21,782M
Net Income
$1,831M
Net Profit Margin
8.41%
EPS
$3.86
Unit: Million (M) dollars
Revenue Breakdown
Interest and fees on loans and l...
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$21,782M
Net Income
$1,831M
Net Profit Margin
8.41%
EPS
$3.86
Unit: Million (M) dollars
Revenue Breakdown
Interest and fees on loans and l...
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$21,782MNet Income$1,831MNet Profit Margin8.41%EPS$3.86Unit: Million (M) dollarsRevenue BreakdownInterest and fees on loans and l...DepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$21,782MNet Income$1,831MNet Profit Margin8.41%EPS$3.86Unit: Million (M) dollarsRevenue BreakdownInterest and fees on loans and l...DepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$21,782M
Net Income
$1,831M
Net Profit Margin
8.41%
EPS
$3.86
Unit: Million (M) dollars
Revenue Breakdown
Interest and fees on loans and l...
Deposits
Salaries and employee benefits
Others

Revenue
$21,782M
Net Income
$1,831M
Net Profit Margin
8.41%
EPS
$3.86
Unit: Million (M) dollars
Revenue Breakdown
Interest and fees on loans and l...
Deposits
Salaries and employee benefits
Others