Company: CFG-PE
Filing Date: 2025-02-13
Form Type: 10-K
Source: 0000759944-25-000013
Chunk: 798

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-13
Form: 10-K
Item: Item 5
Chunk 798
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 $17,565 $20,677 Risk-weighted assets, including AOCI impact:Risk-weighted assets (as reported)$165,699 $165,699 $165,699 $164,986 $164,986 $164,986 Unrealized gains (losses) on securities and pension(702)(702)(702)(683)(683)(683)Deferred tax assets - securities and pension AOCI2,198 2,198 2,198 2,179 2,179 2,179 Risk-weighted assets, including AOCI impact  (non-GAAP)$167,195 $167,195 $167,195 $166,482 $166,482 $166,482 Ratio:Regulatory capital ratio (as reported)10.8 %12.1 %14.0 %12.3 %12.3 %14.2 %Regulatory capital ratio, including AOCI impact  (non-GAAP)9.1 %10.4 %12.3 %10.6 %10.6 %12.4 %

LIQUIDITY 

We consider the effective and prudent management of liquidity fundamental to our safety and soundness. We define liquidity as our ability to meet our obligations when they come due. As a financial institution, we must maintain operating liquidity to meet expected daily and forecasted cash-flow requirements, as well as contingent liquidity to meet unexpected (stress scenario) funding requirements. Reflecting the importance of meeting all unexpected and stress-scenario funding requirements, we identify and manage contingent liquidity, consisting of cash balances at the FRB, unencumbered high-quality liquid securities and unused FHLB borrowing capacity. Separately, we also identify and manage asset liquidity as a subset of contingent liquidity, consisting of cash balances at the FRB and unencumbered high-quality liquid securities. We maintain additional secured borrowing capacity at the FRB discount window, but do not view this as a primary means of funding, but rather a potential source in a stressed environment or during a market disruption. We manage liquidity at the consolidated enterprise level and at each material legal entity. 

Parent Company Liquidity 

Our Parent Company’s primary sources of cash are dividends and interest received from CBNA resulting from investing in bank equity and subordinated debt as well as externally issued preferred stock, senior debt and subordinated debt. Uses of cash include the routine cash flow requirements as