cfg: the income statement

MyFinsight

For the quarter ending 2025-09-30, CFG made $5,393M in revenue. $494M in net income. Net profit margin of 9.16%.

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

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans and leases	1,897	1,851	1,829	1,976
Interest and fees on loans held for sale	31	36	16	18
Interest and fees on other loans held for sale	-	-	-	1
Investment securities	433	428	418	423
Interest-bearing deposits in banks	97	92	89	121
Total interest income	2,458	2,407	2,352	2,539
Deposits	816	802	795	990
Short-term borrowed funds	5	9	8	3
Long-term borrowed funds	149	159	158	177
Total interest expense	970	970	961	1,170
Net interest income	1,488	1,437	1,391	1,369
Provision (benefit) for credit losses	154	164	153	172
Net interest income after provision (benefit) for credit losses	1,334	1,273	1,238	1,197
Service charges and fees	112	111	109	109
Capital markets fees	166	105	100	94
Card fees	87	90	83	93
Wealth fees	93	88	81	76
Mortgage banking fees	49	73	59	46
Foreign exchange and derivative products	42	41	39	36
Letter of credit and loan fees	48	45	44	45
Securities gains, net	2	5	7	9
Other income	31	42	22	24
Total noninterest income	630	600	544	532
Salaries and employee benefits	705	681	696	647
Equipment and software	197	193	194	194
Outside services	161	169	155	146
Occupancy	106	108	112	108
Other operating expense	166	168	157	164
Total noninterest expense	1,335	1,319	1,314	1,259
Income before income tax expense	629	554	468	470
Income tax expense	135	118	95	88
Net income	494	436	373	382

Basic (in shares)	431,365,552	433,640,210	438,320,757	446,561,996
Basic earnings (in dollars per share)	1.06	0.93	0.78	0.77
Diluted (in shares)	435,472,350	436,539,774	442,200,180	449,913,467
Diluted earnings (in dollars per share)	1.05	0.92	0.77	0.77