Citizens Financial Group Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	12,727	10,601	11,628	10,547	9,158
Investment Securities	961	8,647	9,799	9,440	4,680
Trading Asset Securities	-	408	440	842	1,216
Mortgage-Backed Securities	43,630	37,242	33,428	28,566	26,352
Total Investments	44,591	46,297	43,667	38,848	32,248
Gross Loans	142,692	139,327	146,080	156,794	128,299
Allowance for Loan Losses	-1,943	-2,061	-2,098	-1,983	-1,758
Other Adjustments to Gross Loans	-	-124	-121	-132	-136
Net Loans	140,749	137,142	143,861	154,679	126,405
Property, Plant & Equipment	915	1,744	1,780	1,863	1,534
Goodwill	8,187	8,187	8,188	8,173	7,116
Other Intangible Assets	115	946	1,057	1,097	864
Loans Held for Sale	1,198	858	779	982	3,468
Accrued Interest Receivable	-	941	1,000	927	506
Other Long-Term Assets	17,869	10,805	10,004	9,617	7,110
Total Assets	226,351	217,521	221,964	226,733	188,409
Interest Bearing Deposits	142,896	131,274	140,235	131,441	104,918
Institutional Deposits	-	6,582	-	-	-
Non-Interest Bearing Deposits	40,417	36,920	37,107	49,283	49,443
Total Deposits	183,313	174,776	177,342	180,724	154,361
Short-Term Borrowings	58	1,220	2,067	1,912	271
Current Portion of Long-Term Debt	-	-	107	747	1,921
Current Portion of Leases	-	204	-	-	-
Long-Term Debt	9,210	12,348	9,574	6,621	4,992
Federal Home Loan Bank Debt, Long-Term	2,014	53	3,786	8,519	19
Long-Term Leases	-	752	977	1,066	800
Other Long-Term Liabilities	5,439	3,914	3,769	3,454	2,625
Total Liabilities	200,034	193,267	197,622	203,043	164,989
Preferred Stock, Redeemable	2,111	2,113	2,014	2,014	2,014
Common Stock	7	7	6	6	6
Additional Paid-In Capital	22,476	22,364	22,250	22,142	19,005
Retained Earnings	11,345	10,412	9,816	9,159	7,978
Treasury Stock	-7,652	-7,047	-5,986	-5,071	-4,918
Comprehensive Income & Other	-1,970	-3,595	-3,758	-4,560	-665
Total Common Equity	24,206	22,141	22,328	21,676	21,406
Shareholders' Equity	26,317	24,254	24,342	23,690	23,420
Total Liabilities & Equity	226,351	217,521	221,964	226,733	188,409
Total Debt	11,282	14,577	16,511	18,865	8,003
Net Cash (Debt)	2,406	-2,933	-4,038	-7,173	2,687
Net Cash Growth	-	-	-	-	-56.92%
Net Cash Per Share	5.51	-6.47	-8.47	-15.01	6.29
Filing Date Shares Outstanding	429.24	437.14	458.76	484.11	422.14
Total Common Shares Outstanding	429.24	440.54	466.42	492.28	422.14
Book Value Per Share	56.39	50.26	47.87	44.03	50.71
Tangible Book Value	15,904	13,008	13,083	12,406	13,426
Tangible Book Value Per Share	37.05	29.53	28.05	25.20	31.80

Source: S&P Global Market Intelligence. Banks template. Financial Sources.