Company: CFG-PE
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000759944-25-000153
Chunk: 193

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 2
Chunk 193
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867)(53)Money market57,783 411 2.82 53,152 444 3.32 4,631 (50)Time20,355 185 3.61 24,705 287 4.65 (4,350)(104)Total interest-bearing deposits137,887 816 2.35 137,815 990 2.86 72 (51)Short-term borrowed funds589 5 2.91 150 3 6.06 439 (315)Long-term borrowed funds11,643 149 5.11 13,690 177 5.20 (2,047)(9)Total borrowed funds12,232 154 5.01 13,840 180 5.21 (1,608)(20)Total interest-bearing liabilities150,119 970 2.56 151,655 1,170 3.07 (1,536)(51)Noninterest-bearing demand deposits38,070 36,236 1,834 Other noninterest-bearing liabilities5,387 6,194 (807)Total liabilities193,576 194,085 (509)Stockholders’ equity25,541 24,493 1,048 Total liabilities and stockholders’ equity$219,117 $218,578 $539 Interest rate spread2.36 %2.02 %34 Net interest income and net interest margin$1,488 2.99 %$1,369 2.76 %23 Net interest income and net interest margin, FTE(1)$1,492 3.00 %$1,373 2.77 %23 Memo: Total deposits (interest-bearing and noninterest-bearing demand)$175,957 $816 1.84 %$174,051 $990 2.26 %$1,906 (42) bps

Citizens Financial Group, Inc. | 10

Nine Months Ended September 30,20252024Change(dollars in millions)AverageBalanceIncome/ExpenseYield/RateAverageBalanceIncome/ExpenseYield/RateAverageBalanceYield/Rate (bps)Assets:Interest-bearing cash and due from banks and deposits in banks$8,445 $278 4.35 %$9,602 $391 5.35 %