Company: CFG-PE
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000759944-25-000153
Chunk: 209

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 2
Chunk 209
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 Profit (loss) before credit losses594 525 401 385 (15)(51)Net charge-offs81 84 78 91 4 17 Income (loss) before income tax expense (benefit)513 441 323 294 (19)(68)Income tax expense (benefit)130 114 75 63 (5)(17)Net income (loss)$383 $327 $248 $231 ($14)($51)Average Balances: Total assets$80,729 $75,392 $66,134 $68,092 $4,000 $8,389 Total loans and leases(1)74,274 69,021 62,905 64,974 3,976 8,352 Deposits128,547 121,899 44,482 44,190 — — Interest-earning assets74,870 69,608 63,719 65,550 3,976 8,352 

Nine Months Ended September 30,Consumer BankingCommercial BankingNon-Core(dollars in millions)202520242025202420252024Net interest income$3,673 $3,369 $1,328 $1,486 ($27)($96)Noninterest income937 820 733 676 7 — Total revenue4,610 4,189 2,061 2,162 (20)(96)Noninterest expense2,896 2,734 977 928 43 74 Profit (loss) before credit losses1,714 1,455 1,084 1,234 (63)(170)Net charge-offs248 249 239 262 43 46 Income (loss) before income tax expense (benefit)1,466 1,206 845 972 (106)(216)Income tax expense (benefit)371 311 195 223 (27)(55)Net income (loss)$1,095 $895 $650 $749 ($79)($161)Average Balances: Total assets$79,040 $74,510 $65,931 $69,046 $5,241 $9,450 Total loans and leases(1)72,588 68,146 62,801 66,048 5,