ADDED
common shares of $44.75 as reported on the New York Stock Exchange).
There were 424,983,657 shares of the registrant s common stock ($0.01 par value) outstanding on February 4, 2026.
Form 10-K Summary 159 Signatures 160 Citizens Financial Group, Inc.
bps Basis Points Capital Plan Rule Federal Reserve Regulation Y Capital Plan Rule CBNA Citizens Bank, National Association CCAR Comprehensive Capital Analysis and Review CCB Capital Conservation Buffer CECL Current Expected Credit Losses CET1 Common Equity Tier 1 CEO Chief Executive Officer CET1 capital ratio Common Equity Tier 1 capital divided by total risk-weighted assets as defined under the U.S.
Treasury Department Office of Foreign Assets Control OTC Over the Counter Parent Company Citizens Financial Group, Inc.
Bancorp ROTCE Return on Average Tangible Common Equity RPA Risk Participation Agreement RWA Risk-Weighted Assets SBA United States Small Business Administration SCB Stress Capital Buffer SEC United States Securities and Exchange Commission Citizens Financial Group, Inc.
| 3 SOFR Secured Overnight Financing Rate SPE Special Purpose Entity SVaR Stressed Value at Risk TBA To-Be-Announced Mortgage Security Tier 1 capital ratio Tier 1 capital, which includes Common Equity Tier 1 capital plus non-cumulative perpetual preferred equity that qualifies as additional Tier 1 capital, divided by total risk-weighted assets as defined under the U.S.
| 5 Management s ability to identify and manage these and other risks.
At December 31, 2025, we had total assets of $226.4 billion, total deposits of $183.3 billion, and total stockholders equity of $26.3 billion.
In addition, we had total client assets of $61.9 billion, including assets under management of $35.9 billion, representing assets for which continuous and regular supervisory or management services are provided, and transactional assets of $26.0 billion, representing assets for which execution, custody, recordkeeping, reporting, and other services are provided.
REMOVED
common shares of $36.03 as reported on the New York Stock Exchange).
There were 437,136,981 shares of the registrant s common stock ($0.01 par value) outstanding on February 4, 2025.
Form 10-K Summary 161 Signatures 162 Citizens Financial Group, Inc.
bps Basis Points Capital Plan Rule Federal Reserve Regulation Y Capital Plan Rule CBNA Citizens Bank, National Association CCAR Comprehensive Capital Analysis and Review CCB Capital Conservation Buffer CECL Current Expected Credit Losses (ASU 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments) CET1 Common Equity Tier 1 CEO Chief Executive Officer CET1 capital ratio Common Equity Tier 1 capital divided by total risk-weighted assets as defined under the U.S.
and its Subsidiaries CLTV Combined Loan-to-Value CMO Collateralized Mortgage Obligation CODM Chief Operating Decision Maker COVID Coronavirus Disease CRA Community Reinvestment Act CRE Commercial Real Estate DIF Deposit Insurance Fund Dodd-Frank Act The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 EAD Exposure at Default EEO-1 report Mandatory report on workforce demographics submitted annually to the U.S.
HSBC transaction Acquisition of HSBC East Coast branches and national online deposit business HTM Held To Maturity IDI Insured Depository Institution Investors Investors Bancorp, Inc.
Treasury Department Office of Foreign Assets Control Citizens Financial Group, Inc.
| 3 Operating Leverage Period-over-period percent change in total revenue, less the period-over-period percent change in noninterest expense OTC Over the Counter Parent Company Citizens Financial Group, Inc.
At December 31, 2024, we had total assets of $217.5 billion, total deposits of $174.8 billion and total stockholders equity of $24.3 billion.
Our activities outside these segments are classified as Non-Core or Other.