Company: CFG-PE
Filing Date: 2025-02-13
Form Type: 10-K
Source: 0000759944-25-000013
Chunk: 825

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-13
Form: 10-K
Item: Item 5
Chunk 825
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 income, Underlying:Noninterest income (GAAP)A$2,176 $1,983 Less: Notable items15 — Noninterest income, Underlying (non-GAAP)B$2,161 $1,983 Total revenue, Underlying:Total revenue (GAAP)C$7,809 $8,224 Less: Notable items15 — Total revenue, Underlying (non-GAAP)D$7,794 $8,224 Noninterest expense, Underlying:Noninterest expense (GAAP)E$5,234 $5,507 Less: Notable items156 506 Noninterest expense, Underlying (non-GAAP)F$5,078 $5,001 Pre-provision profit:Total revenue (GAAP)C$7,809 $8,224 Less: Noninterest expense (GAAP)E5,234 5,507 Pre-provision profit (non-GAAP)$2,575 $2,717 Pre-provision profit, Underlying:Total revenue, Underlying (non-GAAP)D$7,794 $8,224 Less: Noninterest expense, Underlying (non-GAAP)F5,078 5,001 Pre-provision profit, Underlying (non-GAAP)$2,716 $3,223 Income before income tax expense, Underlying:Income before income tax expense (GAAP)G$1,888 $2,030 Less: Income (expense) before income tax expense (benefit) related to notable items(141)(506)Income before income tax expense, Underlying (non-GAAP)H$2,029 $2,536 Income tax expense and effective income tax rate, Underlying:Income tax expense (GAAP)I$379 $422 Less: Income tax expense (benefit) related to notable items(43)(149)Income tax expense, Underlying (non-GAAP)J$422 $571 Effective income tax rate (GAAP)I/G20.06 %20.76 %Effective income tax rate, Underlying (non-GAAP)J/H20.80 22.48 Net income, Underlying:Net income (GAAP)K$1,509 $1,608 Add: Notable items, net of income tax benefit98 357 Net