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Income Statement
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Balance Sheet
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Income Overview
Net Income
$587M
EPS
$1.3
Unit: Million (M) dollars
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Page 1
Quarterly
123
Page 1
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
Page 1
Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
and leases
$1,968M
(6.32%↑ Y/Y)
Investment securities
$446M
(4.21%↑ Y/Y)
Interest-bearing deposits in
banks
$103M
(11.96%↑ Y/Y)
Interest and fees on loans
held for sale
$26M
(-27.78%↓ Y/Y)
Total interest income
$2,543M
(5.65%↑ Y/Y)
Net interest income
$1,631M
(13.50%↑ Y/Y)
Capital markets fees
$153M
(45.71%↑ Y/Y)
Service charges and fees
$117M
(5.41%↑ Y/Y)
Wealth fees
$102M
(15.91%↑ Y/Y)
Card fees
$89M
(-1.11%↓ Y/Y)
Letter of credit and
loan fees
$52M
(15.56%↑ Y/Y)
Foreign exchange and
derivative products
$47M
(14.63%↑ Y/Y)
Other income
$44M
(4.76%↑ Y/Y)
Mortgage banking fees
$42M
(-42.47%↓ Y/Y)
Securities gains, net
$6M
(20.00%↑ Y/Y)
Total interest
expense
$912M
(-5.98%↓ Y/Y)
Net interest income
after provision...
$1,497M
(17.60%↑ Y/Y)
Total noninterest
income
$652M
(8.67%↑ Y/Y)
Provision (benefit) for
credit losses
$134M
(-18.29%↓ Y/Y)
Deposits
$747M
(-6.86%↓ Y/Y)
Long-term borrowed funds
$156M
(-1.89%↓ Y/Y)
Short-term borrowed funds
$9M
(0.00%↑ Y/Y)
Income before income
tax expense
$755M
(36.28%↑ Y/Y)
Total noninterest
expense
$1,394M
(5.69%↑ Y/Y)
Net income
$587M
(34.63%↑ Y/Y)
Income tax expense
$168M
(42.37%↑ Y/Y)
Salaries and employee
benefits
$745M
(9.40%↑ Y/Y)
Equipment and software
$195M
(1.04%↑ Y/Y)
Outside services
$174M
(2.96%↑ Y/Y)
Other operating
expense
$172M
(2.38%↑ Y/Y)
Occupancy
$108M
(0.00%↑ Y/Y)
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CITIZENS FINANCIAL GROUP INC RI (CFG-PH)
CITIZENS FINANCIAL GROUP INC RI (CFG-PH)