Company: CFG-PE
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000759944-25-000108
Chunk: 215

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-08-04
Form: 10-Q
Item: Part I, Item 2
Chunk 215
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 below presents the regulatory capital ratios for CFG and CBNA under the U.S. Basel III Standardized rules:

Table 20: Regulatory Capital Ratios Under the U.S. Basel III Standardized RulesJune 30, 2025December 31, 2024(dollars in millions)AmountRatioAmountRatioRequired Minimum Capital Ratio(1)CET1 capitalCFG$17,812 10.6 %$17,900 10.8 %9.0 %CBNA20,714 12.4 20,250 12.3 7.0 Tier 1 capitalCFG19,925 11.9 20,013 12.1 10.5 CBNA20,714 12.4 20,250 12.3 8.5 Total capitalCFG23,221 13.8 23,232 14.0 12.5 CBNA23,899 14.3 23,362 14.2 10.5 Tier 1 leverageCFG19,925 9.4 20,013 9.4 4.0 CBNA20,714 9.8 20,250 9.6 4.0 Risk-weighted assetsCFG168,017 165,699 CBNA166,967 164,986 Quarterly adjusted average assets(2)CFG212,450 212,555 CBNA211,646 211,849 

(1) Represents minimum requirement under the current capital framework plus the SCB of 4.5% and CCB of 2.5% for CFG and CBNA, respectively. The SCB and CCB are not applicable to the Tier 1 leverage ratio.

(2) Represents total average assets less certain amounts deducted from Tier 1 capital.

At June 30, 2025, CFG’s CET1, Tier 1, and Total capital ratios decreased compared to December 31, 2024. Dividends, common share repurchases, a $2.3 billion increase in RWA, and the full phase-in of the modified CECL transition amount was partially offset by net income. Higher commercial and industrial loans was the key driver for the increase in RWA.

At June 30, 2025, CBNA’s CET1, Tier 1, and Total capital ratios increased compared to December 31, 2024. Net income was partially offset