Company: CFG-PE
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000759944-25-000153
Chunk: 234

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 2
Chunk 234
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,870 TOTAL LIABILITIES196,918 193,267 Commitments and Contingencies (refer to Note 11)STOCKHOLDERS’ EQUITY:Preferred stock:$25.00 par value,100,000,000 shares authorized; 2,150,000 shares issued and outstanding at September 30, 2025 and December 31, 20242,111 2,113 Common stock:$0.01 par value, 1,000,000,000 shares authorized; 652,107,285 shares issued and 431,453,142 shares outstanding at September 30, 2025 and 650,068,324 shares issued and 440,543,381 shares outstanding at December 31, 20247 7 Additional paid-in capital22,448 22,364 Retained earnings11,056 10,412 Treasury stock, at cost, 220,654,143 and 209,524,943 shares at September 30, 2025 and December 31, 2024, respectively(7,526)(7,047)Accumulated other comprehensive income (loss)(2,267)(3,595)TOTAL STOCKHOLDERS’ EQUITY25,829 24,254 TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY$222,747 $217,521 

(1) Includes amounts in consolidated VIEs. See Note 6 for additional information.

(2) Includes only collateral pledged by the Company where counterparties have the right to sell or pledge the collateral.

(3) Excludes MSRs, which are reported in Other assets.

The accompanying Notes to Consolidated Financial Statements are an integral part of these statements.

Citizens Financial Group, Inc. | 38

CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)

Three Months Ended September 30,Nine Months Ended September 30, (dollars in millions, except per share data)2025202420252024INTEREST INCOME:Interest and fees on loans and leases$1,897 $1,976 $5,577 $6,038 Interest and fees on loans held for sale31 19 83 56 Investment securities 433 423 1,279 1,239 Interest-bearing deposits in banks 97 121 278 391 Total interest income2,458 2,539 7,217