CITIZENS FINANCIAL GROUP INC/RI
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CFG FY 2025 request
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/api/financials?ticker=CFG&year=2025&quarter=4&full_year_mode=true
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| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases Held In Portfolio | 7,478 | 7,948 | -5.9% |
| Interest And Fee Income Loans Held For Sale Mortgages | 105 | 77 | +36.4% |
| Interest And Dividend Income Securities | 1,713 | 1,658 | +3.3% |
| Interest Income Deposits With Financial Institutions | 367 | 503 | -27.0% |
| Interest And Dividend Income Operating | 9,663 | 10,186 | -5.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 1,357 | 841 | +61.4% |
| Interest Expense Deposits | 3,194 | 3,825 | -16.5% |
| Interest Expense Short Term Borrowings | 22 | 15 | +46.7% |
| Interest Expense Long Term Debt | 594 | 713 | -16.7% |
| Interest Expense Operating | 3,810 | 4,553 | -16.3% |
Show Consolidated Entities breakouts |
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| Parent Company | 350 | 263 | +33.1% |
| Interest Income Expense Net | 5,853 | 5,633 | +3.9% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 1,778 | 1,950 | -8.8% |
| Consumer Banking · Operating Segments | 4,972 | 4,564 | +8.9% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -897 | -881 | -1.8% |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal And Off Balance Sheet Credit Loss Liability Credit Loss Expense Reversal | 608 | 687 | -11.5% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 309 | 353 | -12.5% |
| Consumer Banking · Operating Segments | 328 | 331 | -0.9% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -29 | 3 | -1066.7% |
| Interest Income Expense After Provision For Loan Loss | 5,245 | 4,946 | +6.0% |
| Service Chargesand Fees | 444 | 420 | +5.7% |
| Capital Markets Fees | 511 | 467 | +9.4% |
| Wealth Fees | 360 | 294 | +22.4% |
| Fees And Commissions Credit And Debit Cards1 | 346 | 368 | -6.0% |
| Fees And Commissions Mortgage Banking And Servicing | 233 | 209 | +11.5% |
| Foreign Exchangeand Trade Finance Fees | 156 | 146 | +6.8% |
| Letterof Creditand Loan Fees | 186 | 175 | +6.3% |
| Debt Securities Realized Gain Loss | 22 | 18 | +22.2% |
| Noninterest Income Other | 136 | 79 | +72.2% |
| Noninterest Income | 2,394 | 2,176 | +10.0% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 995 | 908 | +9.6% |
| Consumer Banking · Operating Segments | 1,252 | 1,131 | +10.7% |
| Other · Operating Segments | 147 | 137 | +7.3% |
Show Tax Credit Program [Axis] breakouts |
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| Allocated income (loss) on investments · Variable Interest Entity Not Primary Beneficiary | -12 | -12 | 0.0% |
| Net benefit (expense) included in noninterest income · Variable Interest Entity Not Primary Beneficiary | -6 | -8 | +25.0% |
| Other income · Variable Interest Entity Not Primary Beneficiary | 6 | 4 | +50.0% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 147 | 137 | +7.3% |
| Operating Segments | 2,394 | 2,176 | +10.0% |
| Labor And Related Expense | 2,798 | 2,657 | +5.3% |
Show Consolidated Entities breakouts |
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| Parent Company | 33 | 36 | -8.3% |
| Equipment Expense | 783 | 769 | +1.8% |
| Professional Fees | 633 | 639 | -0.9% |
| Occupancy Net | 435 | 447 | -2.7% |
| Other Noninterest Expense | 662 | 722 | -8.3% |
| Noninterest Expense | 5,311 | 5,234 | +1.5% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 1,334 | 1,241 | +7.5% |
| Consumer Banking · Operating Segments | 3,880 | 3,677 | +5.5% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 97 | 316 | -69.3% |
| Income Before Taxes | 2,328 | 1,888 | +23.3% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 1,130 | 1,264 | -10.6% |
| Consumer Banking · Operating Segments | 2,016 | 1,687 | +19.5% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -818 | -1,063 | +23.0% |
| Income Tax Expense (Benefit) | 497 | 379 | +31.1% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 265 | 291 | -8.9% |
| Consumer Banking · Operating Segments | 510 | 434 | +17.5% |
Show Tax Credit Program [Axis] breakouts |
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| Amortization · Variable Interest Entity Not Primary Beneficiary | 406 | 363 | +11.8% |
| Net benefit (expense) included in income tax expense · Variable Interest Entity Not Primary Beneficiary | -102 | -109 | +6.4% |
| Other tax benefits recognized · Variable Interest Entity Not Primary Beneficiary | -98 | -93 | -5.4% |
| Tax credits recognized · Variable Interest Entity Not Primary Beneficiary | -410 | -379 | -8.2% |
Show Consolidated Entities breakouts |
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| Parent Company | -38 | -24 | -58.3% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -278 | -346 | +19.7% |
| Net Income | 1,831 | 1,509 | +21.3% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 865 | 973 | -11.1% |
| Consumer Banking · Operating Segments | 1,506 | 1,253 | +20.2% |
Show Equity Components breakouts |
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| Retained Earnings | 1,831 | 1,509 | +21.3% |
Show Tax Credit Program [Axis] breakouts |
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| Net Income (Loss) Attributable To Parent, Net Benefit · Variable Interest Entity Not Primary Beneficiary | 96 | 101 | -5.0% |
Show Consolidated Entities breakouts |
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| Parent Company | 1,831 | 1,509 | +21.3% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -540 | -717 | +24.7% |
| Net Income Loss Available To Common Stockholders Basic | 1,688 | 1,372 | +23.0% |
| Wtd Avg Shares (Basic) | 433,173,162 | 450,678,038 | -3.9% |
| Wtd Avg Shares (Diluted) | 436,890,731 | 453,510,245 | -3.7% |
| EPS (Basic) | 3.9 | 3.05 | +27.9% |
| EPS (Diluted) | 3.86 | 3.03 | +27.4% |
| Revenue | 8,247 | 7,809 | +5.6% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 2,773 | 2,858 | -3.0% |
| Consumer Banking · Operating Segments | 6,224 | 5,695 | +9.3% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -750 | -744 | -0.8% |
| Revenue | 1,635 | 1,533 | +6.7% |
Show Product Lines breakouts |
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| Capital markets fees | 485 | 445 | +9.0% |
| Capital markets fees · Commercial Banking | 485 | 445 | +9.0% |
| Card fees | 335 | 362 | -7.5% |
| Card fees · Commercial Banking | 51 | 54 | -5.6% |
| Card fees · Consumer Banking | 284 | 284 | 0.0% |
| Other banking fees | 13 | 15 | -13.3% |
| Other banking fees · Commercial Banking | 10 | 12 | -16.7% |
| Other banking fees · Consumer Banking | 3 | 3 | 0.0% |
| Service charges and fees | 442 | 417 | +6.0% |
| Service charges and fees · Commercial Banking | 134 | 128 | +4.7% |
| Service charges and fees · Consumer Banking | 308 | 288 | +6.9% |
| Wealth fees | 360 | 294 | +22.4% |
| Wealth fees · Consumer Banking | 360 | 294 | +22.4% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 680 | 639 | +6.4% |
| Consumer Banking · Operating Segments | 955 | 869 | +9.9% |
| Operating Expenses (FY) | — | — | — |
Show Consolidated Entities breakouts |
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| Parent Company | 417 | 331 | +26.0% |
| Comprehensive Income | 3,456 | 1,672 | +106.7% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | 1,625 | 163 | +896.9% |
| Retained Earnings | 1,831 | 1,509 | +21.3% |
Show Consolidated Entities breakouts |
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| Parent Company | 3,456 | 1,672 | +106.7% |
| Other Comprehensive Income | 1,625 | 163 | +896.9% |
Show Equity Components breakouts |
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| Accumulated Defined Benefit Plans Adjustment | 52 | 32 | +62.5% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | 807 | 162 | +398.1% |
| Accumulated Net Unrealized Investment Gain Loss | 766 | -31 | +2571.0% |
| Accumulated Other Comprehensive Income | 1,625 | 163 | +896.9% |
Show Consolidated Entities breakouts |
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| Parent Company | 1,625 | 163 | +896.9% |
| Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax | 250 | -531 | +147.1% |
| Preferred Stock Dividends Income Statement Impact | 138 | 137 | +0.7% |
| Operating Lease Lease Income | 16 | 21 | -23.8% |
| Marketing And Advertising Expense | 170 | 170 | 0.0% |
| Other Expenses | 365 | 359 | +1.7% |
| Interest Income Operating (FY) | — | — | — |
Show Consolidated Entities breakouts |
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| Parent Company | 174 | 139 | +25.2% |
| Parent Company · Nonbank subsidiaries | 8 | 9 | -11.1% |
Balance Sheet
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Non-Current Assets | |||
| Property, Plant & Equipment | 915 | 875 | +4.6% |
| Goodwill | 8,187 | 8,187 | 0.0% |
Show Business Segments breakouts |
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| Commercial Banking | 5,509 | 5,509 | 0.0% |
| Consumer Banking | 2,678 | 2,678 | 0.0% |
| Total Assets | 226,351 | 217,521 | +4.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 33,474 | 31,094 | +7.7% |
| Variable Interest Entity Primary Beneficiary | 2,097 | 4,073 | -48.5% |
| Operating Lease Right-of-Use Assets | 958 | 869 | +10.2% |
| Intangible Assets | 115 | 146 | -21.2% |
Show Finite Lived Intangible Assets By Major Class breakouts |
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| Core Deposits | 59 | 78 | -24.4% |
| Customer Relationships | 15 | 21 | -28.6% |
| Naming Rights [Member] | 12 | 17 | -29.4% |
| Other Intangible Assets | 28 | 29 | -3.4% |
| Technology Based Intangible Assets | 1 | 1 | 0.0% |
| Other Assets | |||
| Cash And Due From Banks | 1,464 | 1,409 | +3.9% |
Show Consolidated Entities breakouts |
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| Parent Company | 2,318 | 2,658 | -12.8% |
| Interest Bearing Cash And Due From Banks | 11,263 | 9,192 | +22.5% |
| Interest Bearing Deposits In Banks | 961 | 635 | +51.3% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Primary Beneficiary | 157 | 209 | -24.9% |
| Debt Securities Available For Sale Excluding Accrued Interest | 35,697 | 32,765 | +8.9% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level1 | 3,123 | 3,525 | -11.4% |
| Fair Value Inputs Level1 · US Treasury Securities | 3,123 | 3,525 | -11.4% |
| Fair Value Inputs Level2 | 32,574 | 29,240 | +11.4% |
| Fair Value Inputs Level2 · Collateralized Debt Obligations | 89 | 184 | -51.6% |
| Fair Value Inputs Level2 · Mortgage Backed Securities | 32,484 | 29,055 | +11.8% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 1 | 1 | 0.0% |
Show Financial Instrument breakouts |
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| Collateralized Debt Obligations | 89 | 184 | -51.6% |
| Debt Securities | 35,697 | 32,765 | +8.9% |
| Mortgage Backed Securities | 32,484 | 29,055 | +11.8% |
| Mortgage Backed Securities Issued By Private Enterprises | 264 | 260 | +1.5% |
| Mortgage Backed Securities Issued By US Government Sponsored Enterprises | 32,220 | 28,795 | +11.9% |
| Mortgage Backed Securities · Variable Interest Entity Not Primary Beneficiary | 780 | 708 | +10.2% |
| US States And Political Subdivisions | 1 | 1 | 0.0% |
| US Treasury And Government | 3,123 | 3,525 | -11.4% |
| US Treasury Securities | 3,123 | 3,525 | -11.4% |
Show Pledged Status breakouts |
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| Asset Pledged As Collateral | 108 | 152 | -28.9% |
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss | 7,933 | 8,599 | -7.7% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 | 7,595 | 8,187 | -7.2% |
| Fair Value Inputs Level3 | 338 | 412 | -18.0% |
Show Financial Instrument breakouts |
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| Asset Backed Securities | 338 | 412 | -18.0% |
| Mortgage Backed Securities | 7,595 | 8,187 | -7.2% |
| Mortgage Backed Securities Issued By US Government Sponsored Enterprises | 7,595 | 8,187 | -7.2% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Not Primary Beneficiary | 338 | 412 | -18.0% |
Show Pledged Status breakouts |
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| Asset Pledged As Collateral | 67 | 83 | -19.3% |
| Loans Receivable Held For Sale Amount | 1,198 | 858 | +39.6% |
Show Business Segments breakouts |
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| TBD | 1.9 | — | — |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Commercial loans held for sale | 170 | 192 | -11.5% |
| Fair Value Inputs Level2 · Residential loans held for sale | 895 | 633 | +41.4% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | 303 | 225 | +34.7% |
| Consumer Portfolio Segment | 895 | 633 | +41.4% |
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 142,692 | 139,203 | +2.5% |
Show Collateral breakouts |
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| Collateral Dependent · Commercial Portfolio Segment | 251 | 607 | -58.6% |
| Collateral Dependent · Consumer Portfolio Segment | 437 | 372 | +17.5% |
Show Credit Score Fico breakouts |
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| 620-679 · Consumer Portfolio Segment | 3,105 | 3,322 | -6.5% |
| 620-679 · Consumer Portfolio Segment | 414 | 526 | -21.3% |
| 620-679 · Consumer Portfolio Segment | 1,084 | 963 | +12.6% |
| 620-679 · Consumer Portfolio Segment | 260 | 519 | -49.9% |
| 620-679 · Consumer Portfolio Segment | 1,029 | 964 | +6.7% |
| 620-679 · Consumer Portfolio Segment | 318 | 350 | -9.1% |
| 680-739 · Consumer Portfolio Segment | 9,637 | 10,012 | -3.7% |
| 680-739 · Consumer Portfolio Segment | 983 | 1,206 | -18.5% |
| 680-739 · Consumer Portfolio Segment | 3,695 | 3,256 | +13.5% |
| 680-739 · Consumer Portfolio Segment | 449 | 974 | -53.9% |
| 680-739 · Consumer Portfolio Segment | 3,449 | 3,278 | +5.2% |
| 680-739 · Consumer Portfolio Segment | 1,061 | 1,298 | -18.3% |
| 740-799 · Consumer Portfolio Segment | 20,947 | 21,391 | -2.1% |
| 740-799 · Consumer Portfolio Segment | 1,111 | 1,339 | -17.0% |
| 740-799 · Consumer Portfolio Segment | 6,428 | 5,568 | +15.4% |
| 740-799 · Consumer Portfolio Segment | 618 | 1,340 | -53.9% |
| 740-799 · Consumer Portfolio Segment | 10,131 | 9,672 | +4.7% |
| 740-799 · Consumer Portfolio Segment | 2,659 | 3,472 | -23.4% |
| Greater than 800 · Consumer Portfolio Segment | 31,914 | 31,338 | +1.8% |
| Greater than 800 · Consumer Portfolio Segment | 775 | 835 | -7.2% |
| Greater than 800 · Consumer Portfolio Segment | 6,961 | 5,919 | +17.6% |
| Greater than 800 · Consumer Portfolio Segment | 650 | 1,351 | -51.9% |
| Greater than 800 · Consumer Portfolio Segment | 19,323 | 17,728 | +9.0% |
| Greater than 800 · Consumer Portfolio Segment | 4,205 | 5,505 | -23.6% |
| Less than 620 · Consumer Portfolio Segment | 2,743 | 2,924 | -6.2% |
| Less than 620 · Consumer Portfolio Segment | 291 | 357 | -18.5% |
| Less than 620 · Consumer Portfolio Segment | 897 | 789 | +13.7% |
| Less than 620 · Consumer Portfolio Segment | 333 | 560 | -40.5% |
| Less than 620 · Consumer Portfolio Segment | 1,078 | 1,067 | +1.0% |
| Less than 620 · Consumer Portfolio Segment | 144 | 151 | -4.6% |
| No FICO available · Consumer Portfolio Segment | 534 | 440 | +21.4% |
| No FICO available · Consumer Portfolio Segment | 487 | 387 | +25.8% |
| No FICO available · Consumer Portfolio Segment | 14 | 17 | -17.6% |
| No FICO available · Consumer Portfolio Segment | 29 | 36 | -19.4% |
| No FICO available · Consumer Portfolio Segment | 4 | — | — |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | 73,812 | 69,776 | +5.8% |
| Commercial Portfolio Segment · Commercial Loan | 49,232 | 42,551 | +15.7% |
| Commercial Portfolio Segment · Commercial Loan | 48,873 | 42,247 | +15.7% |
| Commercial Portfolio Segment · Commercial Loan | 63 | 35 | +80.0% |
| Commercial Portfolio Segment · Commercial Loan | 14 | 20 | -30.0% |
| Commercial Portfolio Segment · Commercial Loan | 5 | 8 | -37.5% |
| Commercial Portfolio Segment · Commercial Loan | 277 | 241 | +14.9% |
| Commercial Portfolio Segment · Commercial Loan | 1,440 | 1,651 | -12.8% |
| Commercial Portfolio Segment · Commercial Loan | 46,653 | 39,937 | +16.8% |
| Commercial Portfolio Segment · Commercial Loan | 862 | 722 | +19.4% |
| Commercial Portfolio Segment · Commercial Real Estate | 24,580 | 27,225 | -9.7% |
| Commercial Portfolio Segment · Commercial Real Estate | 23,700 | 26,212 | -9.6% |
| Commercial Portfolio Segment · Commercial Real Estate | 184 | 204 | -9.8% |
| Commercial Portfolio Segment · Commercial Real Estate | 58 | 27 | +114.8% |
| Commercial Portfolio Segment · Commercial Real Estate | 20 | 6 | +233.3% |
| Commercial Portfolio Segment · Commercial Real Estate | 618 | 776 | -20.4% |
| Commercial Portfolio Segment · Commercial Real Estate | 1,826 | 1,916 | -4.7% |
| Commercial Portfolio Segment · Commercial Real Estate | 20,865 | 22,741 | -8.2% |
| Commercial Portfolio Segment · Commercial Real Estate | 1,271 | 1,792 | -29.1% |
| Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 25 | 14 | +78.6% |
| Commercial Portfolio Segment · Financing Receivables1 To29 Days Past Due | 72,573 | 68,459 | +6.0% |
| Commercial Portfolio Segment · Financing Receivables30 To59 Days Past Due | 247 | 239 | +3.3% |
| Commercial Portfolio Segment · Financing Receivables60 To89 Days Past Due | 72 | 47 | +53.2% |
| Commercial Portfolio Segment · Nonaccrual | 895 | 1,017 | -12.0% |
| Commercial Portfolio Segment · Pass | 67,518 | 62,678 | +7.7% |
| Commercial Portfolio Segment · Special Mention | 2,133 | 2,514 | -15.2% |
| Commercial Portfolio Segment · Substandard Accrual | 3,266 | 3,567 | -8.4% |
| Consumer Portfolio Segment | 68,880 | 69,427 | -0.8% |
| Consumer Portfolio Segment · Automobile Loan | 2,310 | 4,744 | -51.3% |
| Consumer Portfolio Segment · Automobile Loan | 2,203 | 4,563 | -51.7% |
| Consumer Portfolio Segment · Automobile Loan | 59 | 100 | -41.0% |
| Consumer Portfolio Segment · Automobile Loan | 20 | 33 | -39.4% |
| Consumer Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 144 | 182 | -20.9% |
| Consumer Portfolio Segment · Financing Receivables1 To29 Days Past Due | 67,675 | 67,861 | -0.3% |
| Consumer Portfolio Segment · Financing Receivables30 To59 Days Past Due | 318 | 530 | -40.0% |
| Consumer Portfolio Segment · Financing Receivables60 To89 Days Past Due | 134 | 207 | -35.3% |
| Consumer Portfolio Segment · Home equity | 19,069 | 16,495 | +15.6% |
| Consumer Portfolio Segment · Home equity | 18,626 | 16,097 | +15.7% |
| Consumer Portfolio Segment · Home equity | 95 | 88 | +8.0% |
| Consumer Portfolio Segment · Home equity | 28 | 27 | +3.7% |
| Consumer Portfolio Segment · Home equity | 1 | — | — |
| Consumer Portfolio Segment · Other retail | 4,061 | 4,650 | -12.7% |
| Consumer Portfolio Segment · Other retail | 3,957 | 4,504 | -12.1% |
| Consumer Portfolio Segment · Other retail | 35 | 46 | -23.9% |
| Consumer Portfolio Segment · Other retail | 23 | 31 | -25.8% |
| Consumer Portfolio Segment · Residential Mortgage | 35,024 | 32,726 | +7.0% |
| Consumer Portfolio Segment · Residential Mortgage | 34,547 | 32,011 | +7.9% |
| Consumer Portfolio Segment · Residential Mortgage | 93 | 251 | -62.9% |
| Consumer Portfolio Segment · Residential Mortgage | 47 | 93 | -49.5% |
| Consumer Portfolio Segment · Residential Mortgage | 141 | 179 | -21.2% |
| Consumer Portfolio Segment · Student Loan | 8,416 | 10,812 | -22.2% |
| Consumer Portfolio Segment · Student Loan | 8,342 | 10,686 | -21.9% |
| Consumer Portfolio Segment · Student Loan | 36 | 45 | -20.0% |
| Consumer Portfolio Segment · Student Loan | 16 | 23 | -30.4% |
| Consumer Portfolio Segment · Student Loan | 2 | 2 | 0.0% |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
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| FHA, VA And USDA Loans | 964 | 1,042 | -7.5% |
| FHA, VA And USDA Loans · Financing Receivables Equal To Greater Than90 Days Past Due | 141 | 172 | -18.0% |
| FHA, VA And USDA Loans · Financing Receivables1 To29 Days Past Due | 743 | 696 | +6.8% |
| FHA, VA And USDA Loans · Financing Receivables30 To59 Days Past Due | 53 | 119 | -55.5% |
| FHA, VA And USDA Loans · Financing Receivables60 To89 Days Past Due | 27 | 55 | -50.9% |
Show Financing Receivables Period Past Due breakouts |
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| Financing Receivables Equal To Greater Than90 Days Past Due | 169 | 196 | -13.8% |
| Financing Receivables1 To29 Days Past Due | 140,248 | 136,320 | +2.9% |
| Financing Receivables30 To59 Days Past Due | 565 | 769 | -26.5% |
| Financing Receivables60 To89 Days Past Due | 206 | 254 | -18.9% |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -1,943 | -2,061 | +5.7% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | -1,058 | -1,140 | +7.2% |
| Consumer Portfolio Segment | -885 | -921 | +3.9% |
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 140,749 | 137,142 | +2.6% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 | 437 | 979 | -55.4% |
| Fair Value Inputs Level3 | 140,312 | 136,163 | +3.0% |
Show Financial Instrument breakouts |
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| Residential Mortgage · Consumer Portfolio Segment | 40.8 | 37.5 | +8.8% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Not Primary Beneficiary | 5,631 | 4,215 | +33.6% |
| Variable Interest Entity Primary Beneficiary | 1,929 | 3,843 | -49.8% |
Show Financing Receivable Portfolio breakouts |
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| Retail and Commercial · Auto, commercial and commercial real estate loans | 19 | 22.9 | -17.0% |
| Bank Owned Life Insurance | 3,441 | 3,364 | +2.3% |
| Other Intangible Assets Net | 115 | 146 | -21.2% |
| Other Assets | 14,428 | 14,349 | +0.6% |
Show Consolidated Entities breakouts |
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| Parent Company | 420 | 237 | +77.2% |
| Variable Interest Entity Not Primary Beneficiary | 2,967 | 2,902 | +2.2% |
| Variable Interest Entity Not Primary Beneficiary · Low Income Housing Tax Credit Partnerships | 2.8 | 2.6 | +7.7% |
| Variable Interest Entity Not Primary Beneficiary · Other Investments | 17 | 23 | -26.1% |
| Variable Interest Entity Not Primary Beneficiary · Renewable Energy Investments | 201 | 269 | -25.3% |
| Variable Interest Entity Primary Beneficiary | 11 | 21 | -47.6% |
| Non-Current Liabilities | |||
| Long-Term Debt | 11,224 | 12,401 | -9.5% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 | 11,224 | 12,401 | -9.5% |
Show Debt Instrument breakouts |
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| 2.500% fixed-rate senior unsecured notes, due February 2030 · Parent Company | 299 | 299 | 0.0% |
| 2.638% fixed-rate subordinated debt, due September 2032 · Parent Company | 577 | 570 | +1.2% |
| 2.850% fixed-rate senior unsecured notes, due July 2026 · Parent Company | 500 | 499 | +0.2% |
| 3.250% fixed-rate senior unsecured notes, due April 2030 · Parent Company | 747 | 747 | 0.0% |
| 3.750% fixed-rate reset subordinated debt, due February 2031 · Parent Company | 69 | 69 | 0.0% |
| 4.300% fixed-rate reset subordinated debt, due February 2031 · Parent Company | 135 | 135 | 0.0% |
| 4.350% fixed-rate reset subordinated debt, due February 2031 · Parent Company | 60 | 60 | 0.0% |
| 4.575% fixed/floating-rate senior unsecured notes, due August 2028 · Subsidiaries | 799 | 798 | +0.1% |
| 5.253% Fixed Rate Subordinated Debt, Due March 2031 · Parent Company | 747 | — | — |
| 5.641% fixed-rate reset subordinated debt, due May 2037 · Parent Company | 398 | 398 | 0.0% |
| 5.718% fixed/floating-rate senior unsecured notes, due July 2032 · Parent Company | 1,244 | 1,243 | +0.1% |
| 5.841% fixed/floating-rate senior unsecured notes, due January 2030 · Parent Company | 1,246 | 1,245 | +0.1% |
| 6.645% fixed/floating-rate senior unsecured notes, due April 2035 · Parent Company | 746 | 745 | +0.1% |
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| Parent Company | 6,768 | — | — |
| Parent Company · Unaffiliated companies | 6,768 | 6,480 | +4.4% |
| Subsidiaries | 4,456 | — | — |
| Subsidiaries · Federal Home Loan Bank Advances | 2,013 | 53 | +3698.1% |
| Subsidiaries · Other | 19 | 18 | +5.6% |
| Subsidiaries · Secured Debt | 1,625 | 3,461 | -53.0% |
| Variable Interest Entity Primary Beneficiary | 1,598 | 3,375 | -52.7% |
| Total Liabilities | 200,034 | 193,267 | +3.5% |
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| Parent Company | 7,158 | 6,840 | +4.6% |
| Variable Interest Entity Primary Beneficiary | 1,602 | 3,383 | -52.6% |
| Other Liabilities | |||
| Noninterest Bearing Deposit Liabilities | 40,417 | 36,920 | +9.5% |
| Interest Bearing Deposit Liabilities | 142,896 | 137,856 | +3.7% |
| Deposits | 183,313 | 174,776 | +4.9% |
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| Fair Value Inputs Level2 | 183,313 | 174,776 | +4.9% |
| Short Term Borrowings | 58 | — | — |
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| Other short-term borrowed funds | 58 | — | — |
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| Secured Debt · FHLB advances and letters of credit | 7.1 | 4.6 | +54.3% |
| Other Liabilities | 5,439 | 6,090 | -10.7% |
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| Parent Company | 390 | 360 | +8.3% |
| Variable Interest Entity Not Primary Beneficiary | 1,066 | 1,109 | -3.9% |
| Variable Interest Entity Not Primary Beneficiary · Other Investments | 2 | 4 | -50.0% |
| Variable Interest Entity Primary Beneficiary | 4 | 8 | -50.0% |
| Stockholders' Equity | |||
| Preferred Stock Value | 2,111 | 2,113 | -0.1% |
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| Series B Preferred Stock | 296 | 296 | 0.0% |
| Series C Preferred Stock | 297 | 297 | 0.0% |
| Series E Preferred Stock | 437 | 437 | 0.0% |
| Series G Preferred Stock | 296 | 296 | 0.0% |
| Series H Preferred Stock | 392 | 392 | 0.0% |
| Series I | 393 | — | — |
| Common Stock | 7 | 7 | 0.0% |
| Additional Paid-In Capital | 22,476 | 22,364 | +0.5% |
| Retained Earnings | 11,345 | 10,412 | +9.0% |
| Treasury Stock Common Value | -7,652 | -7,047 | -8.6% |
| Accumulated Other Comprehensive Income | -1,970 | -3,595 | +45.2% |
| Total Stockholders' Equity | 26,317 | 24,254 | +8.5% |
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| Accumulated Defined Benefit Plans Adjustment | -249 | -301 | +17.3% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | -118 | -925 | +87.2% |
| Accumulated Net Unrealized Investment Gain Loss | -1,603 | -2,369 | +32.3% |
| Accumulated Other Comprehensive Income | -1,970 | -3,595 | +45.2% |
| Additional Paid In Capital | 22,476 | 22,364 | +0.5% |
| Common Stock | 7 | 7 | 0.0% |
| Preferred Stock | 2,111 | 2,113 | -0.1% |
| Retained Earnings | 11,345 | 10,412 | +9.0% |
| Treasury Stock Common | -7,652 | -7,047 | -8.6% |
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| Parent Company | 26,316 | 24,254 | +8.5% |
| Total Liabilities & Equity | 226,351 | 217,521 | +4.1% |
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| Parent Company | 33,474 | 31,094 | +7.7% |
Cash Flow Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Net Income | 1,831 | 1,509 | +21.3% |
| Increase Decrease In Loans Held For Sale | -414 | -24 | -1625.0% |
| Depreciation Amortization And Accretion Net | 478 | 498 | -4.0% |
| Deferred Income Taxes | -82 | -177 | +53.7% |
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| Parent Company | -12 | -10 | -20.0% |
| Allocated Share Based Compensation Expense | 120 | 97 | +23.7% |
| Gain Loss On Disposition Of Assets1 | -24 | -18 | -33.3% |
| Increase Decrease In Other Operating Assets | 89 | -261 | +134.1% |
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| Parent Company | -182 | -84 | -116.7% |
| Increase Decrease In Other Operating Liabilities | -395 | -310 | -27.4% |
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| Parent Company | 18 | 92 | -80.4% |
| Net Cash from Operations | 2,211 | 2,001 | +10.5% |
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| Parent Company | 934 | 640 | +45.9% |
| Depreciation & Amortization (FY) | — | — | — |
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| Commercial Banking · Operating Segments | 20 | 26 | -23.1% |
| Consumer Banking · Operating Segments | 122 | 121 | +0.8% |
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| Corporate Non Segment | 305 | 304 | +0.3% |
| Investing Activities | |||
| Purchases of Investments | -9,463 | -9,755 | +3.0% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 4,018 | 3,304 | +21.6% |
| Proceeds From Sale Of Available For Sale Securities Debt | 3,797 | 3,619 | +4.9% |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 750 | 662 | +13.3% |
| Proceeds From Payments For In Interest Bearing Deposits In Banks | -326 | -230 | -41.7% |
| Payments To Acquire Finance Receivables | -680 | -655 | -3.8% |
| Proceeds From Sale Of Finance Receivables | 1,891 | 207 | +813.5% |
| Payments For Proceeds From Loans And Leases | -5,433 | 6,050 | -189.8% |
| Payments For Proceeds From Productive Assets | -174 | -122 | -42.6% |
| Other Investing Activities | -347 | -93 | -273.1% |
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| Parent Company | 2 | 2 | 0.0% |
| Net Cash from Investing | -5,967 | 2,987 | -299.8% |
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| Parent Company | -47 | -2,127 | +97.8% |
| Transfer Of Loans From Portfolio To L H F S | 1,944 | 299 | +550.2% |
| Transfer To Investments | 112 | 329 | -66.0% |
| Financing Activities | |||
| Increase Decrease In Deposits | 8,537 | -2,566 | +432.7% |
| Proceeds From Repayments Of Short Term Debt | 58 | -505 | +111.5% |
| Proceeds From Issuance Of Long Term Debt | 8,534 | 13,185 | -35.3% |
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| Parent Company | 746 | 3,231 | -76.9% |
| Repayments Of Long Term Debt | -9,744 | -14,286 | +31.8% |
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| Parent Company | -470 | -107 | -339.3% |
| Share Repurchases | -600 | -1,050 | +42.9% |
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| Parent Company | -600 | -1,050 | +42.9% |
| Proceeds From Issuance Of Private Placement | 393 | 392 | +0.3% |
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| Parent Company | 393 | 392 | +0.3% |
| Payments For Repurchase Of Redeemable Preferred Stock | -400 | -300 | -33.3% |
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| Parent Company | -400 | -300 | -33.3% |
| Payments Of Dividends Common Stock | -755 | -769 | +1.8% |
| Payments Of Dividends Preferred Stock And Preference Stock | -133 | -134 | +0.7% |
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| Parent Company | -133 | -134 | +0.7% |
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| Series B Preferred Stock | -23 | -26 | +11.5% |
| Series C Preferred Stock | -24 | -23 | -4.3% |
| Series E Preferred Stock | -23 | -23 | 0.0% |
| Series F Preferred Stock | -22 | -23 | +4.3% |
| Series G Preferred Stock | -12 | -12 | 0.0% |
| Series H Preferred Stock | -29 | -10 | -190.0% |
| Proceeds From Payments For Other Financing Activities | -8 | 18 | -144.4% |
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| Parent Company | -8 | 18 | -144.4% |
| Net Cash from Financing | 5,882 | -6,015 | +197.8% |
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| Parent Company | -1,227 | 1,281 | -195.8% |
| Supplemental | |||
| Interest Paid | 4,040 | 4,375 | -7.7% |
| Income Taxes Paid | 151 | 208 | -27.4% |
| Other Cash Flow | |||
| Net Change in Cash | 2,126 | -1,027 | +307.0% |
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| Parent Company | -340 | -206 | -65.0% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 12,727 | 10,601 | +20.1% |
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| Parent Company | 2,318 | 2,658 | -12.8% |
Values in millions USD. Source: SEC EDGAR 10-K filing.