Company: CFG-PE
Filing Date: 2025-02-13
Form Type: 10-K
Source: 0000759944-25-000013
Chunk: 879

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-13
Form: 10-K
Item: Item 6
Chunk 879
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The following table presents our regulatory capital ratios including the AOCI impact from securities and pension, which we believe provides useful information in light of recent events and the potential for change in the regulatory capital framework.

Table 24: AOCI Impact on Regulatory CapitalDecember 31, 2024CFGCBNA(dollars in millions)CET1Tier 1TotalCET1Tier 1TotalRegulatory capital, including AOCI impact:Regulatory capital (as reported)$17,900 $20,013 $23,232 $20,250 $20,250 $23,362 Unrealized gains (losses) on securities and pension(2,670)(2,670)(2,670)(2,651)(2,651)(2,651)Deferred tax assets - securities and pension AOCI(33)(33)(33)(34)(34)(34)Regulatory capital, including AOCI impact (non-GAAP)$15,197 $17,310 $20,529 $17,565 $17,565 $20,677 Risk-weighted assets, including AOCI impact:Risk-weighted assets (as reported)$165,699 $165,699 $165,699 $164,986 $164,986 $164,986 Unrealized gains (losses) on securities and pension(702)(702)(702)(683)(683)(683)Deferred tax assets - securities and pension AOCI2,198 2,198 2,198 2,179 2,179 2,179 Risk-weighted assets, including AOCI impact  (non-GAAP)$167,195 $167,195 $167,195 $166,482 $166,482 $166,482 Ratio:Regulatory capital ratio (as reported)10.8 %12.1 %14.0 %12.3 %12.3 %14.2 %Regulatory capital ratio, including AOCI impact  (non-GAAP)9.1 %10.4 %12.3 %10.6 %10.6 %12.4 %

LIQUIDITY 

We consider the effective and prudent management of liquidity fundamental to our safety and soundness. We define liquidity as our ability to meet our obligations when they come due. As a financial institution, we must maintain operating liquidity to