Company: CFG-PE
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000759944-25-000108
Chunk: 185

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-08-04
Form: 10-Q
Item: Part I, Item 2
Chunk 185
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,593)(11)Total borrowed funds13,424 168 5.00 15,417 200 5.18 (1,993)(18)Total interest-bearing liabilities150,202 970 2.59 152,882 1,165 3.06 (2,680)(47)Noninterest-bearing demand deposits37,350 36,205 1,145 Other noninterest-bearing liabilities5,503 6,652 (1,149)Total liabilities193,055 195,739 (2,684)Stockholders’ equity24,606 23,483 1,123 Total liabilities and stockholders’ equity$217,661 $219,222 ($1,561)Interest rate spread2.30 %2.11 %19 Net interest income and net interest margin$1,437 2.94 %$1,410 2.86 %8 Net interest income and net interest margin, FTE(1)$1,441 2.95 %$1,415 2.87 %8 Memo: Total deposits (interest-bearing and noninterest-bearing demand)$174,128 $802 1.85 %$173,670 $965 2.24 %$458 (39) bps

Citizens Financial Group, Inc. | 10

Six Months Ended June 30,20252024Change(dollars in millions)AverageBalanceIncome/ExpenseYield/RateAverageBalanceIncome/ExpenseYield/RateAverageBalanceYield/Rate (bps)Assets:Interest-bearing cash and due from banks and deposits in banks$8,155 $181 4.41 %$9,959 $270 5.37 %($1,804)(96) bpsTaxable investment securities46,304 846 3.66 44,297 816 3.68 2,007 (2)Non-taxable investment securities1 — 2.60 1 — 2.60 — — Total investment securities46,305 846 3.66 44,298 816 3.68 2,007 (2)Commercial and industrial44,271 1,064 4.78 44,479 1,239 5.51 (208)(73)Commercial real estate26,749 771 5