Company: CFG-PE
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000759944-25-000153
Chunk: 195

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 2
Chunk 195
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 Stockholders’ Equity:Checking with interest$33,770 $367 1.45 %$33,017 $368 1.49 %$753 (4)Savings25,430 260 1.36 27,389 369 1.80 (1,959)(44)Money market55,656 1,144 2.75 52,552 1,320 3.35 3,104 (60)Time22,093 642 3.89 25,274 885 4.68 (3,181)(79)Total interest-bearing deposits136,949 2,413 2.36 138,232 2,942 2.84 (1,283)(48)Short-term borrowed funds729 22 3.85 324 14 5.64 405 (179)Long-term borrowed funds12,263 466 5.07 14,147 547 5.15 (1,884)(8)Total borrowed funds12,992 488 5.00 14,471 561 5.16 (1,479)(16)Total interest-bearing liabilities149,941 2,901 2.58 152,703 3,503 3.06 (2,762)(48)Noninterest-bearing demand deposits37,326 36,374 952 Other noninterest-bearing liabilities5,618 6,544 (926)Total liabilities192,885 195,621 (2,736)Stockholders’ equity24,821 23,899 922 Total liabilities and stockholders’ equity$217,706 $219,520 ($1,814)Interest rate spread2.30 %2.09 %21 Net interest income and net interest margin$4,316 2.94 %$4,221 2.84 %10 Net interest income and net interest margin, FTE(1)$4,328 2.95 %$4,234 2.85 %10 Memo: Total deposits (interest-bearing and noninterest-bearing demand)$174,275 $2,413 1.85 %$174,606 $2,942 2.25 %($331)(40) bps

(1) Net interest income and net interest margin on an FTE basis are