Citizens Financial Group, Inc. (FRA:1C5)

Citizens Financial Group Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	11,650	10,601	11,628	10,547	9,158	12,733
Investment Securities	694	8,647	9,799	9,440	4,680	3,303
Trading Asset Securities	721	408	440	842	1,216	1,915
Mortgage-Backed Securities	43,543	37,242	33,428	28,566	26,352	25,270
Total Investments	44,958	46,297	43,667	38,848	32,248	30,488
Gross Loans	140,870	139,327	146,080	156,794	128,299	123,256
Allowance for Loan Losses	-1,972	-2,061	-2,098	-1,983	-1,758	-2,443
Other Adjustments to Gross Loans	-	-124	-121	-132	-136	-166
Net Loans	138,898	137,142	143,861	154,679	126,405	120,647
Property, Plant & Equipment	857	1,744	1,780	1,863	1,534	1,559
Goodwill	8,187	8,187	8,188	8,173	7,116	7,050
Other Intangible Assets	123	946	1,057	1,097	864	958
Loans Held for Sale	1,334	858	779	982	3,468	4,003
Accrued Interest Receivable	-	941	1,000	927	506	504
Other Long-Term Assets	16,740	10,805	10,004	9,617	7,110	5,407
Total Assets	222,747	217,521	221,964	226,733	188,409	183,349
Interest Bearing Deposits	140,539	131,274	140,235	131,441	104,918	103,333
Institutional Deposits	-	6,582	-	-	-	-
Non-Interest Bearing Deposits	39,472	36,920	37,107	49,283	49,443	43,831
Total Deposits	180,011	174,776	177,342	180,724	154,361	147,164
Short-Term Borrowings	952	1,220	2,067	1,912	271	371
Current Portion of Long-Term Debt	-	-	107	747	1,921	1,353
Current Portion of Leases	-	204	-	-	-	-
Long-Term Debt	10,427	12,348	9,574	6,621	4,992	6,974
Federal Home Loan Bank Debt, Long-Term	14	53	3,786	8,519	19	19
Long-Term Leases	-	752	977	1,066	800	-
Long-Term Deferred Tax Liabilities	-	-	-	-	-	629
Other Long-Term Liabilities	5,514	3,914	3,769	3,454	2,625	4,166
Total Liabilities	196,918	193,267	197,622	203,043	164,989	160,676
Preferred Stock, Redeemable	2,111	2,113	2,014	2,014	2,014	1,965
Common Stock	7	7	6	6	6	6
Additional Paid-In Capital	22,448	22,364	22,250	22,142	19,005	18,940
Retained Earnings	11,056	10,412	9,816	9,159	7,978	6,445
Treasury Stock	-7,526	-7,047	-5,986	-5,071	-4,918	-4,623
Comprehensive Income & Other	-2,267	-3,595	-3,758	-4,560	-665	-60
Total Common Equity	23,718	22,141	22,328	21,676	21,406	20,708
Shareholders' Equity	25,829	24,254	24,342	23,690	23,420	22,673
Total Liabilities & Equity	222,747	217,521	221,964	226,733	188,409	183,349
Total Debt	11,393	14,577	16,511	18,865	8,003	8,717
Net Cash (Debt)	1,672	-2,933	-4,038	-7,173	2,687	6,237
Net Cash Growth	-	-	-	-	-56.92%	-
Net Cash Per Share	3.80	-6.47	-8.47	-15.01	6.29	14.57
Filing Date Shares Outstanding	431.45	437.14	458.76	484.11	422.14	425.11
Total Common Shares Outstanding	431.45	440.54	466.42	492.28	422.14	427.21
Book Value Per Share	54.97	50.26	47.87	44.03	50.71	48.47
Tangible Book Value	15,408	13,008	13,083	12,406	13,426	12,700
Tangible Book Value Per Share	35.71	29.53	28.05	25.20	31.80	29.73

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